Getting Car Insurance Quotes Without Using Your SSN or Other Personal Info
Last Updated on August 27, 2020
The idea of shopping for car insurance online seems easy. However, when you start the process of actually comparing quotes, you might start to think otherwise. In fact, many drivers find that shopping for car insurance online is extremely frustrating.
Shopping for auto insurance is time-consuming and at times can be quite difficult to get an actual quote. One of the biggest complaints about shopping for car insurance online is that you have to give up so much personal information just to see some prices.
Fortunately, for security-minded shoppers who do not want to give out their personal information (such as social security number or driver’s license number), there is some good news.
There are now sites that allow you to compare car insurance quotes easily, quickly, and safely. The best part is that these sites provide a fast, simple quote, which means that you do not have to put in any of your personal information if you don’t want to.
Where can you compare auto insurance quotes without using personal information? Can you see auto insurance rates without entering your social security number (SSN)? Continue reading below to learn everything about finding auto insurance quotes without having to input any private information.
End the Frustration – No More Personal Information
When shopping for car insurance it seems like the internet suddenly becomes your enemy. You have to go to each insurance company’s website and put in personal information just to receive a quote. You then have to keep track of these quotes someplace so you can compare them with one another.
This entire quote comparison process is quite time-consuming and it is also nerve-wracking to think about what might become of your personal information. With the prevalence of identity theft these days, it’s understandable that many shoppers don’t want to give away any personal information – let alone their social security number!
The way to avoid identity theft is by using a secure quote comparison website. A secure comparison site will ask you a few basic questions about yourself and then provide you with anonymous quotes based on these answers. The information that you will need to provide includes:
- Your name
- Your gender
- Your address
- Your income and educational level
- The number of people who live in your household
- The year, make, and model of your vehicle
- An estimate of how many miles you drive annually
- An overview of your driving history – Have you been in any accidents recently?
While these questions are still rather personal, they are necessary in order to determine a price for your car insurance policy. If you have to go to each insurance company and fill out these same forms, you would quickly become annoyed with the amount of time that you were spending on the process. Many insurance providers might also require you to give them your social security number before they will provide you with any type of quote. This is why a comparison site is better and provides more security.
Learn Your State Minimum Requirements
One of the ways that you can determine how much insurance you need is by learning what your state minimum auto insurance requirements are. This will help you immensely when you are searching for anonymous quotes.
You will usually find your state minimum limits presented in a three-number format, i.e. 25/50/20. In this format, the first number is bodily injury liability (BIL) coverage per person. The second number is bodily injury liability coverage per accident. The third number is property damage liability (PDL) coverage. So, in this example, your minimums would be $25,000 of BIL per person, $50,000 of BIL per accident, and $20,000 of PDL.
While all states, except for New Hampshire, require liability coverage, there are no states that require comprehensive or collision coverage (to pay for damages to your own vehicle). A few states have uninsured motorist insurance requirements to protect yourself from uninsured drivers. Some other states, mostly the twelve no-fault states, also have personal injury protection (PIP) requirements.
Regardless of where you live, you can typically find your state’s minimum requirements on your state’s government website. There will usually be a link to the DMV or RMV, which will provide you with all of the information that you need about becoming legally insured.
When searching for an auto insurance policy, you need to make sure the policy you buy meets the minimum requirements set by your state. Luckily, all auto insurance agents will be familiar with the state limits, so you won’t have to worry about buying a policy that falls below minimum coverage.
States That Don’t Require Social Security Numbers
Currently, there are 13 states that allow you to get a driver’s license without an SSN. These states are:
- New York
- New Mexico
These states allow drivers to obtain a license without an SSN in an effort to allow undocumented immigrants the chance to get a driver’s license. While having a social security number isn’t always a requirement to buy auto insurance, having a driver’s license is. In these 13 states, you might be able to even buy auto insurance without providing your SSN.
Other states that have pending legislation to grant driver licenses to undocumented immigrants include Florida, New Jersey, New York, North Carolina, Texas, Massachusetts, Minnesota, Kansas, and Oregon.
How to Find Anonymous Quotes
Once you have determined how much auto insurance your state requires you to have, you need to find a quote comparison site. When looking for a site to compare rates, you’ll want to find a site that gives you real quotes, not one that gives estimates based on average driver statistics.
To find such a site, you need to look at how many questions the site asks you and the nature of the questions they ask. If the site only requires your zip code for a quote, you’ll know that the quote you’ll be getting won’t be accurate at all. Auto insurance companies need, at minimum, your name, your gender, your date of birth, your driving history, and your car make/model to give you an accurate quote.
While you may not want to put in any personal information in order to get a quote, when it comes down to it, you are going to need to provide the auto insurance company with this basic personal information if you choose to obtain a policy from them. You might be able to get away with fake contact information while comparing quotes, but when it comes time to actually buy your auto insurance policy, you will need to give actual information. This is because insurance companies will want to check your credit and your driving record to determine how big of a risk they are taking to provide you with insurance.
Final Word on Getting Auto Insurance Quotes Without Personal Information
When you are getting quotes without providing personal information such as your social security number, the quotes won’t be completely accurate. Typically, if you answer the questions honestly, the quotes that you receive will be pretty close to the actual rates that you will receive. There is a chance that the quotes could be either higher or lower than what you’ll actually pay. This depends on what your credit score actually shows and whether or not you have any blemishes on your driving record.
To get an anonymous auto insurance quote, without using any sensitive personal information, the trick is to provide just enough information about yourself in order to get the quote. Insurance Panda never asks for personal information such as your social security number when providing quotes. To start comparing auto insurance rates today, please enter youz zip code at the top of this page to begin.