Searching for an automobile protection policy through comparative shopping can help a motorist avoid high cost coverage and obtain an adequately priced plan. Typically, obtaining such details would require a motorist to phone insurers individually and answer various questions in order to get rates or other detailed information, which can at times entail giving the company in question personal data such as one’s driver’s license or social security number. When investigating a wide range of insurers the process of repeatedly giving such info could prove unnerving for some. Luckily there are methods available which allow coverage hopefuls to do comparative shopping over the Internet and amass quotes from dozens of providers both quickly and efficiently without having to give any personal data.

Many companies and insurance providers realize that when searching for a product or service people are often uncomfortable handing over info that is personal or sensitive, particularly when this is done over the phone or the internet. Because of this many providers have created ways to obtain insurance quotes without personal information and still receive comparable results. When utilizing such services a vehicle owner will still have to relay some basic data about themselves, such as the make and model of the vehicle being insured and the owners address, yet one will not have to give either a driver’s license or social security number to shop for rates.

More Accurate Quotes Without Personal Information

In order to ensure that a potential client receives an accurate quote there are additional details that an insurer may investigate. A primary detail that may be examined is a potential client’s driving record. This is done because such information plays a large part in the rates that a person receives and determines the motorist’s risk factor. A person who has many traffic violation and has been involved in several accidents within the past three years may end up receiving higher rates because companies might interpret this motorist as being an individual who is at an elevated risk of being involved in future incidents. This information, however, could prove to be very helpful for a motorist with a clean driving record for the same reasons.

Potential customers should know that it is also not uncommon for a company to ask for one’s credit rating when attempting to complete a search. This is because in some states it is acceptable to use what is called “credit scoring” in order to determine a person’s insurance rates. This means that providing incorrect information when attempting to complete an online quote comparison could potentially alter the results that are given. If a person is unsure of one’s credit rating, they may wish to investigate the Federal Trade Commission in order to get a better understanding of credit reports in general, as well as credit ratings.