Is it possible to get an accurate anonymous auto insurance quote? Learn more and weigh your options.
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The appeal of anonymous car insurance is clear. You can get a quote for your vehicle without submitting personal information or being bothered by pesky car insurance agents. But a reliable anonymous car insurance quote can be hard to get. Because car insurance reflects the risk presented by your driving and your vehicle specifically, remaining anonymous throughout the insurance-shopping process isn't really an option. Still, there are ways to wisely navigate the thin line between anonymity and disclosure, while ensuring you receive an accurate car insurance quote.
It depends, but usually no. The entire reason for shopping for car insurance is to find the company with the best possible rate and coverage selection for you and any drivers on your policy. In order to get the best rate, you'll want to provide as much — and as accurate — information as possible.
In order to quote you a price and sell you a policy, the insurance company needs the below information:
Depending on the car insurance company, you may need to provide additional details. So, while you might be able to use a fake name or secondary E-mail address during the quote process, it will become a moot point once you attempt to purchase a policy.
Depending on the insurance company you shop, receiving an accurate anonymous quote could be near-impossible — or not worth the effort. Some companies require your driver's license in order to start the quote process, which is difficult to fake.
However, some companies make it a bit easier to get an anonymous quote. In these cases, the only info you need to submit accurately is your ZIP code, date of birth, driving record, and vehicle information. These rating factors are fairly significant aspects of your premium. If you want your quote to be reliable, you should provide accurate info.
Once you receive a quote, you’ll be given a quote number. You can use later if you want to fetch your quote and purchase a policy.
Another way to get an anonymous quote is to avoid insurance companies altogether and use a comparison website. These tools allow you to follow the same process as you would with an insurance company, but they'll provide quotes from a variety of insurers. This way, you only have to create an alias once.
While you can try to disclose as little personal information as you can get away with, due to the highly personalized nature of car insurance quotes, it is in your best interest to provide accurate and up-to-date information so you can receive the most precise quotes possible.
You will need to provide the following personal information — at the very least — to get the most accurate rates: driver date of birth, vehicle storage location, driver's license number, driving and insurance history, VIN of the vehicle to be insured.
Follow-up phone calls are a common complaint from insurance shoppers looking for quotes online. The most effective way to avoid spammers is to use legitimate, trusted comparison sites. The Zebra takes pride in its strict no-spam policy, allowing shoppers to compare quotes from an array of insurers without being hounded by spam calls.
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