How To Get A Car Insurance Quote Without Giving Personal Information

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Getting a car insurance quote without giving personal information can be difficult. Whether you are calling insurance carriers one by one, or if you are online doing some preliminary research, everyone will tell you the same thing: without providing the personal information they request, you will either get a quote that probably won't be reflective of your ultimate policy premiums, or they will refuse to give you a quote at all.

Because almost all car insurance companies base their rates on your driving record and credit history, if they don't have access to that information when formulating a quote, the numbers they give you are called "ball park figures". Many insurance reps don't even want to waste their time with these ball park quotes because people tend to lie when it comes to their questions as "how many tickets did you get over the past five years?" Lying won't help your cause - once they do get the personal information your premiums will probably skyrocket.

Depending on the insurance carrier will depend on how much weight they put on each variable. Some companies use your driving record as the determining factor in what your premiums will be, and then they factor in your credit history.

Others do the exact opposite - so, if you habitually pay your bills late or worse, if you have a cancelled insurance policy under your belt or a car repossession, expect your insurance premiums to rival your monthly rent or mortgage payments!

Providing your social security number is what gives insurance agents access to just about all your personal information. No matter what, sooner or later during the process of selecting and buying a car insurance policy, you'll need to provide this information. And when you do, it will appear as an inquiry on your credit report.

The problem here is that with too many of these inquiries, your FICO score goes down. Each time a company - no matter what kind of company - checks your credit, a few points are deducted from your FICO score.

If you started with a 725 before you began shopping for car insurance, you could easily end up with a 696 even before you find a policy you want to buy. By the time you decide on your policy, you could very well find out that your rates are going to be higher than a few weeks before when you got your original quote simply because you allowed too many insurance agents to check your credit history.

Fair? Probably not. But be careful before handing over your social security number to too many agents!


About the Author:
Getting a car insurance quote without giving personal information can be difficult as well as usage of car affects insurance. Allow us to help you get the best deal according to your needs!



Article Originally Published On: http://www.articlesnatch.com


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