How to Get an Anonymous Car Insurance Quote
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Anonymous auto insurance quotes: do they exist?Â
Unfortunately, completely anonymous car insurance quotes are not an option, as insurance companies need certain details to give you an accurate car insurance quote. However, you can get a rough estimate with minimal personal data by using our car insurance calculator.
Many drivers prefer keeping their details private when looking for car insurance quotes, which is understandable. However, a reliable — and cheap — anonymous car insurance quote is pretty much impossible to get. Car insurance reflects the risk presented by your driving record and your vehicle specifically. Still, there are ways to wisely navigate the line between anonymity and disclosure, while ensuring you receive an accurate car insurance quote. Keep reading to learn more.
Hunter Black — Licensed insurance professional at The Zebra
Key takeaways
- Remaining truly anonymous is not possible if you want an accurate quote
- Being honest during your quote will help ensure your final premium isn’t more expensive than your quote
- Most insurers don't require a social security number to get a quote
- The Zebra never sells your data or reaches out with unwanted calls
How to get an anonymous car insurance quote
Depending on the insurance company you select, receiving an accurate car insurance quote without personal information could be nearly impossible. Some companies require your driver's license to even start the quote process. Here are some steps that we at The Zebra recommend to minimize the information you share.
- Realize that obtaining an accurate quote without personal information can be challenging.
- Some insurance carriers may require your driver's license number to begin the quote process.
- In many cases, you can provide limited details such as:
- ZIP code
- Date of birth
- Driving record
- Vehicle information
- These factors are crucial for a more accurate quote.
- To ensure the quote's reliability, submit accurate information regarding the essentials mentioned above.
- Without this information, you cannot expect to get an accurate idea of what your rates would be.
- Once you receive a quote, note the provided quote ID number.
- This number allows you to retrieve your quote later if you decide to purchase the policy.
- For a more anonymous approach, use comparison websites instead of direct insurance companies.
- These platforms offer quotes from multiple insurers, requiring you to input your information only once.
Getting an anonymous quote with car insurance calculators
Without providing much personal information, the best you can hope to receive in the quote process is a rough estimate of what an auto insurance rate looks like for your area and for someone of your age and driving history. Use our car insurance calculator to see average rates for your demographic without inputting personal information.
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
We can also help you:
Which insurance company requires the least personal information for a quote?Â
The General’s quote process takes about two minutes to complete, one of the faster quote tools among large insurance providers. The General — who typically caters more to high-risk drivers — asks for the least amount of personal information to generate an insurance quote.Â
What personal information do you need to provide to get car insurance quotes?
To generate a car insurance rate and to sell you a policy, an insurance company usually needs the following information:
- Driver’s license numbers of all drivers on the policy (you can get it without, but it's tricky)Â
- Vehicle identification number of any vehicles on the policy
- Date of birth of all drivers on the policy
- Garaging address of the vehicle (most likely your home address)
- Prior insurance information
Depending on the car insurance company, you may need to provide additional details. The level of coverage you need also affects your rates—comprehensive coverage results in a higher insurance premium than liability coverage. These details help underwriters put together a policy that is specific to the risk that you pose. Specific factors that underwriters look for are your driving record, location, age, claims history, and, in most states, your credit score. While you might be able to use a fake name or secondary email address during the quote process, your real identity and personal details must be used once you attempt to purchase an insurance policy.
Why anonymous quotes are appealing
There are many reasons a driver might prefer to remain anonymous when receiving auto insurance quotes. See recommendations on how to ease these common concerns:
| Concern: | Solution: |
|---|---|
| You're worried about receiving spam calls or emails following a quote inquiry. | The Zebra does not sell your information. You will never receive unwanted calls from us. |
| You don't want a credit check to negatively impact your score. | During the insurance quoting process, companies only do a soft credit check, meaning that they are able to see your credit score without a hard inquiry, thus not impacting your score. |
| You are concerned about disclosing your home address online. | Since where you live is important to determining risk, insurance companies need an idea of your location in order to give you an accurate quote. What’s most important is your zip code though, so as long as that information is accurate, you can see a ballpark figure for your rate. |
Compare prices from the top insurance companies in minutes!
How does The Zebra use my personal information?
The Zebra requires some personal information to provide the most accurate insurance quotes possible. We collect only the information necessary to deliver an accurate quote-comparison experience. Below is a rundown of how we collect and safeguard your personal information.
Collection of personal information:
- The Zebra collects personal information through direct interactions, either via the website's input fields or through contact with in-house agents.
- The information is necessary to provide accurate insurance quotes.
- Personal information is passed along to trusted partner carriers.
Safeguarding personal information:
- Great care is taken to protect your personal information.
- Users' personal information and phone numbers are not shared, preventing unwanted phone calls after receiving quotes.
FAQs on anonymous car insurance quotes
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.