Looking for car insurance by using a phone book or calling insurers one at a time is becoming a thing of the past. With high speed Internet at almost everyone’s fingertips, information of all kinds is readily available and should be used to make life easier. Looking for a great auto insurance policy online is one way to utilize the Internet’s abilities to make auto coverage easy. However, many people stop this process once they realize they need to supply their utmost personal information, such as their driver’s license and social security number. With the problem of identity theft so prevalent these days, there’s no wonder why anyone would stop their search and move on to somewhere else when they’re prompted to give these precious numbers away. Getting a quote for an insurance policy is not worth the risk of someone stealing your identity.

At Online Auto Insurance, we have come up with a solution so consumers can still get their quotes easily and quickly without the need to submit any kind of personal information that will put them at risk for identity theft or other types of fraud made against them. The process still leads to relatively accurate quotes and does not require the applicant to pay any fees nor are there any obligations to purchase a policy at any time. The process begins like any other, with the entering of the zip code in the appropriate box followed by the answering of the questions in the following webpage that will open.

The questions that are asked can be thought of as a way the company knows what to charge the applicant for their coverage. If you were to ask a representative of any insurance company what goes into deciding a policy’s cost, they would tell you things such as the driver’s age, gender, marital status, and where they live. Their driving history also plays a role in the final price. In addition, certain information concerning the vehicle is needed, such as the year, make, model, mileage, and VIN. All of these things are put together and a level of risk is determined for the driver. This level of risk is determined using statistical evidence found by the insurance company. An example of this is, “statistical evidence shows that young male drivers are involved in more traffic accidents than young female drivers” or “statistical evidence also shows that married drivers are less likely to be in an accident compared to their single peers in the same age group.”

The providers manage their rates using the different levels of risk assigned to their customers. When a motorist is found to have a high level of risk, that motorist is going to pay a high rate. The same type of thinking applies to someone with a low level of risk; they will be paying a lower rate than a person with a high level of risk.

Now, traditionally an insurance company would take the person’s driver’s license or social security number and run a background check, looking at the driving history of this person. Viewing a driving record also shows the insurer how this person has driven in the past, including how often the driver exercises safety while on the road. A large number of tickets or accidents will force the insurer to conclude that this driver does not use caution while driving, and will therefore be given a high level of risk. Without the background check and without the driver’s license number or social security number, the insurer who is providing a quote cannot see the person’s true level of risk. This is why there are question(s) regarding the driver’s driving record in the quote process questionnaire.

The questions that are asking about the person’s driving history must be answered honestly and as accurately as possible to ensure the given quote is a close estimate of the final price. When the person does not answer the questions correctly there is a chance that the final price of the policy (should the person purchase it) will not reflect the quote and it could be much higher. This would be an unexpected and unwelcomed surprise after the person has done so much comparison shopping. To avoid any large change in the final price, make sure to answer all of the questions honestly and correctly.

The reason the final price will change if the answers are not answered correctly is once a person goes to purchase the policy after viewing the quotes, they will be asked by the insurance provider to give their driver’s license or social security number. One or both of these numbers are needed to purchase any policy, whether it’s online or in person. This is a way for the company to know for sure of your identity and have a concrete way of billing you and contacting you. While these personal numbers are not needed to get quotes, they are needed for purchasing.

When the purchase has been made, the policy is then in effect and sometimes a proof of insurance card can be printed out instantly.

Forego the risk to withhold information or give false information on the questionnaire, because there’s a good chance that the insurers will find out. Insurance fraud is not taken lightly by these companies since it usually means they will be losing out on money at some point. Instead of trying to falsify information, place your efforts on legit ways to lower your rates. Think about the type of vehicle you drive and if it’s “insurance friendly” or not. There could be a better choice, a less expensive choice, of vehicle to drive to lower your rates. The best idea is to work on cleaning up your driver’s record by attending traffic school when getting a ticket and avoiding future tickets and accidents altogether. A clean driving record will warrant the best insurance rates.

Getting online insurance quotes without personal information is easy to do when you use our site. We invite every current and potential driver to see how much they can save on an auto insurance policy by utilizing our quote tool and comparing the offers side by side. There’s nothing to lose by trying out our services; not using our help will only risk you losing out on an opportunity to save money.