Car Insurance Articles

Many people will shy away from taking the opportunity to see what they could be paying for auto insurance from another company, simply because that company has asked for private information, i.e. a social security number or a driver’s license number. The companies claim this information is needed so they can provide an accurate quote for a policy. With all the talk and warnings about identity theft being so widespread, it’s no wonder drivers choose to bypass these chances to view quotes enticing them to switch companies to save money. Ideally, there would be a method that would allow drivers to view not just one quote but a number of quotes from local insurers without having to provide such personal information. Also ideal would be to have this feature be 100% free. Luckily for every driver in the nation, a method such as this does exist, and it’s found on OnlineAutoInsurance.com.

OnlineAutoInsurance.com has found a way to provide quotes for an auto insurance policy without needing to know the driver’s social security number or their driver’s license number. You read right, free quotes with no risk of having your identity stolen. Without our method, at least one of these numbers was needed to verify the person’s identity and be able to provide a correct quote. Now, we rely on the driver giving us all the information we need, accurately of course, which we then turn over to insurers who determine the final rates. Drivers should know that any time they provide inaccurate information, such as reporting they do not have any tickets or accidents on their record when they actually do, will result in inaccurate quotes. The driver will be given a new, and most likely higher, price if they choose to purchase a policy from the list of quotes if they provided false information.

Quotes Without Personal Information Is Easy
Getting these quotes without forking over personal information is very simple to do. There is no extra fee nor is it any more difficult than when you did have to provide it. We still require only the minimum information needed to help form your quotes. Things we will need to know about to provide the quotes are the name of the driver and their birth date. Also needed is their driving record, such as how many tickets and accidents they have had in the last few years. Concerning the vehicle, we will need information such as its make, model, and year, how many miles it has on it right now, the estimated annual mileage, and the address of where it is stored when it is not in use. This is about as personal as we’ll get as far as information we need for the quotes. Offering a social security number is completely optional, and neither omitting it from the answers or offering it will affect the price of the future policy.

After this information is provided, we will then ask questions about what type of coverage to add to the policy. As soon as this is all submitted, we will give the driver a list of quotes from as many as five insurers who are in the local area. These quotes can be used to purchase a policy or for reference while more searching takes place. Either way, comparing quotes can help motorists save on their policy without the need of telling us your private information.

When To Provide Personal Information
The only time personal information like a social security or driver’s license number needs to be provided on our site is when the driver has chosen a policy from the quote page to purchase. The purchase of a policy is serious and the valid identity of the driver needs to be made. Falsifying any part of car insurance coverage is fraud and grounds for heavy fines and possible conviction in jail. To help prevent fraud, we need to validate a driver’s identity. If the person has any questions regarding this whatsoever, they are more than welcome to contact us via our phone number during business hours. Your information is secure with us, whether it’s on the phone or the Internet.

Some insurers ask a driver for their social or driver’s license number because these numbers provide the history of the person. Providers use these numbers to check on a driver’s past history, such as their credit score and history as well as their driving record. It’s a way for them to determine the level of risk for the driver, and as it’s known a high risk driver pays high premiums. Some insurers have dismissed the process of using a credit score to determine rates, but other insurers still highly believe in the correlation between a low credit score and a high chance of that driver filing a claim. Again, we don’t need this information to determine rates for motorists.

Save On Quality Coverage
If you have already looked through our site, you have noticed that we provide and suggest ways to save on coverage for your automobile. Gathering quotes and comparing them with our quote comparison tool is just one method of saving on coverage. Other ways include using discounts and making as many positive changes as possible when it comes to driving. Keeping a driving record clear of mistakes such as tickets and accidents will drastically keep prices down, and so will driving an insurance friendly vehicle. Having full coverage does not mean you have to pay full price. There are ways to get the final price down.

A driver who is collecting quotes for their auto insurance policy is on the right track to saving money, and they shouldn’t let a request for their personal information hinder their efforts. Remember to use OnlineAutoInsurance.com for your quote needs. You can always get insurance quotes without personal information from Online Auto Insurance. We strive to make all aspects of purchasing coverage – including the searching for the perfect policy part – as easy and pleasant as possible. No one wants to worry about risking their identity just to get a few quotes. It’s not necessary anymore, so anyone who wants to get their quotes and not hand over their personal information, head over to our homepage and enter in your local zip code.