Can you get car insurance quotes without giving personal information?
When you’re searching for car insurance, you want to get as much information as you can before you make your selection. But that doesn’t mean you have to talk to an insurance agent at every agency – or give out sensitive information to everyone who asks for it. Fortunately, there’s a quick, simple solution: With OnlineAutoInsurance.com, you can get an anonymous car insurance quote from multiple insurance companies without leaving your house – and without handing over much personal information.
A lot of companies want to run credit checks before they tell you your car insurance rate. You have a right to feel nervous about sending out your social security number to get a an auto insurance quote. Cybercriminals are ambitiously expanding the ways they commit identity theft, and the more databases your information is stored in, the more likely you will become a target. Identity theft can ravage your credit score, which in turn can increase your car insurance premium. It can also make buying a new car more difficult, so if you ever need to replace your vehicle, your options will be limited.
Whether you’re looking for minimum coverage or comprehensive and collision coverage, you can find the protection you need without the added worry. Once you fill out our minimal form, you can instantly compare online auto insurance rates from several insurance companies. Just choose a company that works for you and sign up in minutes. Depending on your state’s laws, you might be able to provide proof of insurance instantly.
Why does a car insurance company ask for so much personal information?
Auto insurance companies craft your insurance policy to reflect the risk of insuring you, which is why everyone has their own unique auto insurance rate. After all, an auto insurance company wants to keep whatever you pay them for your auto insurance policy – not spend it to repair damages after a collision. That means they’re making a complex judgment about how risky a driver you are. If you’re a high-risk driver (e.g. if you just got your driver’s license), a car insurance carrier will charge you a higher insurance cost to be sure they still profit from your business. In other words, the auto insurance quotes you receive are a reflection of your personal collision risk. An insurance company’s questions are an effort to size up this risk.
Does that mean you should just hand over the personal information car insurance agents ask for? Not at all. Some insurance companies ask highly sensitive questions about your assets, income, family situation, social security details, and more. Why answer these sensitive questions when other car insurance companies are happy to insure you with far less personal information? With Online Auto Insurance, it’s simple to compare car insurance from multiple insurers with a bare minimum of personal information – and find the cheapest and most affordable car insurance available in minutes. Getting quotes online is the easiest way to keep your auto insurance rates low and make the hunt for cheap car insurance stress-free – whether you’re looking for collision coverage and liability coverage or personal injury protection, underinsured motorist coverage, or simple roadside assistance.
We protect your privacy
We respect the fact that some consumers want to protect their privacy while comparing anonymous car insurance quotes. We only require certain rating factors, such as your birthdate, address, and the make and model of your vehicle. All of these factors are directly related to your rate, and we don’t ask for anything extra. To begin, input your zip code above and fill out the questionnaire.
You won’t have to provide your social security number or your driver’s license number. Instead, you will tell us your credit score, and that information will be factored into your rate. Of course, if you are wrong about your credit score, that can affect the insurance premiums quite a bit. The same goes for your driving record – what you report is what your rate is based on. When you find a policy that fits, they will look up your driving record, and if you forgot about a speeding ticket or an accident on your record, the premiums on the quote wouldn’t be accurate anymore.
Where you live affects your rates
You might worry your address is a little personal to share, but it makes a difference in how much you pay for your car insurance. The amount of crime or traffic in an area is calculated into your quote, and if you live in an apartment, you will generally pay more than someone living in a house. If you live and work outside the city limits, you’ll save compared to city-dwellers who live in areas with more car accidents. People who are married generally pay less for their insurance, as well.
There are other factors about where you live that might make you decide to opt for more insurance coverage. If there are a lot of hailstorms or tornadoes, you might want coverage to protect your car from natural disasters. You might not care about having a few little dents in your car, but when it’s time to sell it, you’ll wish you’d been covered. Cosmetic damage can make quite a difference to the value of your vehicle.
Even if you’re already an insured driver, moving can change your premiums. If your commute gets much longer, or you’ll be driving in areas where there are more deer, they might hike up your rate because of the increased risk. Move to an area where there are fewer auto thefts and vandalism, and the price might drop.
What to know when comparing your quotes
It’s a good idea to check your credit before you start looking at your quotes. Sometimes an error on your report could be negatively impacting your rates, and you’ll want to straighten it out before you wind up overpaying for insurance. You should also be familiar with the various kinds of discounts companies offer, such as a student or military discount.
You should know what kind of auto insurance coverage option you need. You might need to brush up on the basics before moving forward. If you own your car outright, then you can stick with the minimum coverage liability insurance and be legal to drive. The laws in your state will define how much coverage you need for your bodily injury policy and property damage policy. The insurance companies will be familiar with these minimums.
But you may want your policy to have additional injury protection for yourself and your passengers, so you’re not stuck paying medical bills out of pocket in the event of an accident. And if you’re still in the process of paying off your car loan, you’ll need a car insurance policy to cover damages for an at-fault accident as well.
The prices on your quotes alone don’t tell the whole story. There are a lot of other factors affecting the value of your insurance costs. One policy might offer accident forgiveness in the event you’re in an accident while they are covering you. This will protect your rates from going up even if you’re at fault. Others may offer discounts if bundle up with life insurance, homeowners insurance or renters insurance. Another might be a few bucks cheaper, but with a much higher deductible you would have trouble meeting should you ever need your insurance to pay out damages. You might choose one with no down payment. Some offer better rates for high-risk drivers, so if you’ve been in a lot of automobile accidents, you can still save money.
All of the privacy, none of the pressure
You might already be insured and want to check around for a better deal, or maybe you’re still looking for the car you want. By using our instant quotes, you can get the information you need without the hassle of stopping by an agency. (If an insurance agent believes they can convince you to switch carriers, they will call, text, and email you with further offers for weeks to com!) Spare yourself the nuisance and browse all the options from OnlineAutoInsurance.com today.