Getting An Insurance Quote Without Personal Info

One of the reasons that many people are hesitant to get on-line insurance quotes is that they are required to provide personal information. There are some ways to get an insurance quote without personal info but it is important to know that getting one of these quotes may have some drawbacks.

One of the pieces of information requested on most on-line insurance quoting systems is the address of the person asking for the quote. Insurance companies calculate many of their premium charges based on the area in which a person lives. If a person lives in a large city the insurance premium for that location may be much higher than for a rural area where there is little traffic or risk of accident.

With the new advances in technology it is possible for an insurance to make an accurate determination of the insurance risk based solely on the zip code provided as long as it includes the last four digits that identify the area within the zip code that is being targeted.

Age is another determining factor in calculating the cost of a premium. When no age is placed on the quote form it is very difficult for an insurance company to determine the risk or premium that the individual requesting the quote will receive. When no age is on the form the default for most insurance software is 35 for women and 25 for men. That means that if the age of the applicant falls above or below those perimeters the premium may be significantly different.

Another determining factor in calculating a premium is the type of vehicle and miles that are driven. Some insurance software calculations take the combined information from the quote application and the figure that is quoted will vary only a few dollars from the actual premium. However, any information not on the quote application is completed by a default that is set in the system. This default can cause the quote one receives on-line significantly different from the actual price of the premium.

It is possible to get a reasonably accurate premium quote without personal info being used on the application. The information on the quote application can be completed using a correct birth date, car/mileage, and zip code. The rest of the information can be completed using information that is "filler."

If one is using a service that provides personal information to sales vendors there is less possibility of being put on a solicitation list but the important information regarding the price of the premium for insurance will be accurate.