Although have the ability to shop and compare quotes without providing personal information such as their driver’s license or social security numbers, they must realize that there are items that may be required in order for companies to rate drivers and calculate premiums; these items will usually include driver’s names, dates of birth, a description of driving history, vehicle year, make and model and garaging address. All of these are factored into the amount that a person will pay for coverage and is needed whether comparing rates online or off.

When deciding to comparison shop without providing personal information individuals must be completely honest when answering certain questions and try to provide as accurate info as possible. car insurance rates are based heavily on a driver’s record; failure to mention a ticket or an accident will only lead to an inaccurate quote which will later change if the consumer decides to purchase the policy. The same may apply with credit since some states allow insurers to look at a consumer’s credit history for underwriting purposes. According to the Maine Department of Insurance, insurers use a consumer’s credit history as a factor on whether or not to issue a policy or renew it. Keep in mind that each state has different laws, if a motorist feels their credit was used unfairly they should check with their state’s insurance regulator.

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