Can you really get a car insurance quote anonymously?
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Anytime you want to get a car insurance quote, such requests typically require you to input a lot of information: your name, ZIP code, age, and other facts you might want to keep private. Many people are interested in getting car insurance quotes without going through this intrusive process, whether it’s simply to save time or protect their privacy. But is it really possible to get a car insurance quote that’s accurate without handing over a ton of personal information?
Truly anonymous car insurance quotes do not exist, as quotes are dependent on your personal information. There are many unique factors that affect car insurance rates, and your information is needed to generate a quote that’s specific to you. The required details usually include the following.
In Michigan, California, Hawaii, and Massachusetts, car insurance companies can’t take your credit score into account when determining car insurance costs.
Car insurance companies will ask for different personal information, but on AutoInsurance.com, we ask for your:
We also ask about your driving record and vehicle information, including the vehicle identification number (VIN), year, make, and model.
Some insurers will also request personal details like your Social Security number.
This information is as detailed as possible in order to give you the most accurate quotes. The more information you provide, the more accurate your quote will be. That’s why quotes without personal information or anonymous auto insurance quotes don’t exist. Insurance quotes without personal information can’t provide accurate car insurance rates and won’t allow you to accurately compare quotes between companies.
While all insurance companies will request some personal information to get you a car insurance quote, the following providers keep their requests to a minimum:
If you want to compare car insurance companies without handing over your personal information, we recommend reading about the average rates from each insurer. While these rates may not be applicable to your particular circumstances, they’ll at least give you a ballpark figure. Here are the average annual rates from top providers.
|Company||Average annual rate|
|AARP (the Hartford)||$1,520|
|American Family Insurance Group||$1,400|
|GMAC (National General Insurance)||$1,714|
In order to compare car insurance companies, you need to get multiple quotes from multiple insurers. Otherwise, if you apply for a policy without first getting quotes, you can’t be sure you’re getting the best price. Like any major buying decision, it’s important to do your homework.
Car insurance quotes are trustworthy depending on the robustness of the information you have provided the company. Again, the more information you provide, the more accurate the auto insurance quote will be. However, a quote is not a guarantee, and you’ll never know your actual rate until you formally apply for car insurance with the provider.
This process is a bit more involved and may involve a hard inquiry on your credit, for example. But obtaining a quote is a good first step to getting a good idea of how much your car insurance may cost with a given company.
Do not cancel your old insurance policy until after your new policy’s effective date. Driving without insurance is illegal in most states and can leave you financially responsible for injuries and property damage.
You may not want to share your personal information online for multiple reasons. Maybe you’re worried about identity theft, you don’t want targeted advertisements, or you simply want to stay as private as possible, online and off. Whatever the reason, use the following best practices to protect your online information when requesting car insurance quotes and when using the internet in general.
Unfortunately, “no personal information” quotes don’t exist. All car insurance rates are based on your demographics, driving history, and vehicle, so to get quotes that are accurate, you need to provide some personal information. However, with the best digital security practices, you can keep your personal data safe and secure online, even while requesting car insurance quotes.
You can get car insurance online without talking to someone from companies like Esurance, Progressive, and GEICO.
Insurance companies have access to whatever information you provide them, which can include the following:
Once you provide insurance companies with this information and apply for a policy, it will run a hard inquiry on your credit report to review your credit history, which includes information about your past and present credit activity, any history of judgments against you, bankruptcies, and other information. Companies use this information to calculate the risk of insuring you.
Insurance companies will run a soft inquiry on your credit when you request a quote, which will not affect your credit score. Companies run hard inquiries only when you actually apply for insurance, which will affect your credit score.
Car insurance companies do not check medical records, as they do not appear on your credit reports. The only exception is unpaid medical bills that are 180 days or more overdue; these will appear on your credit report. An insurer may request to view your medical records, but you have the option to deny this request.
Online Privacy. Federal Communications Commission. (2022).
Protect Your Personal Information and Data. Federal Trade Commission Consumer Advice. (2021, May).