Can You Get an Auto Insurance Quote Online Without Giving Out Personal Information?

Getting an auto insurance quote online without the need to provide your personal information is possible. Insurance companies have realized that people are reluctant to divulge confidential information on the Internet for security reasons. That is why they have made some changes to their requirements in providing a quotation. It should be pointed out, however, that you will be able to obtain a more precise quote if you provide more information. Nevertheless, you will have a fairly good idea of the premium for the coverage that you require.

If you encounter a company that refuses to provide an auto insurance quote without more personal information, you can ignore them and move on to the next company. On the other hand, if you find a company that is willing to give you a quote without the need for you to provide much information, you may need to offer more information if you want a more precise quotation. The most vital data that you may have to provide includes the make of your car, the model, the year of your vehicle, and your age. Other relevant data are your driving history and recent claims. You will also need to provide the insurance company with information on any driving citations given to you in recent years.

The city where you live may also be relevant because your location may have a higher than average theft rate. You may also need to inform the company about the type of work that you do if you want a more precise auto insurance quote. This may reduce the premium if your profession is considered to be a relatively safe kind of job. Your marital status and your credit report will also affect your insurance rate.

While you can get an auto insurance quote online without giving out too many personal details, as you can see it’s not the wisest move. This is especially true if you are looking for the lowest price auto insurance. Without details about who is driving, what the car is, where you live and other things, it is impossible to get the lowest price quote. There are often discounts given based on the very details you give.

For example, you can often get an auto insurance discount if you have completed a safe driving course of some kind or if your teenager has gone through driver’s education classes. If you fail to give that information, you’re going to be paying a lot more than you need to for the same coverage. The same thing goes for divulging driving records of anyone that’s going to be driving the insured vehicles. Obviously, if someone has a poor driving record, their insurance premiums would be higher than those of someone with a spotless driving record.

Clearly, it is in your best interest to reveal any information and personal details for the auto insurance quote to be the most accurate and cheapest quote available.

Source by Donald Saunders

Advantages & Disadvantages Of Getting A Home & Car Auto Insurance Quote Through An Insurance Broker

You may be looking for a home & auto insurance quote. Perhaps you have heard of brokers and never really known how brokers operate. They are independent insurance agents. They work differently than insurance agents that are affiliated with one company.

An insurance broker works with many companies to provide you with many quotes. He then sells you the policy you prefer. It is his job to service that policy, just as if he worked for the company. In a way, he does because the company pays his commission.

The broker can sell you home and car insurance. He may also be able to sell you health, life, dental, and many other types of policies. His objective is to fulfill all your insurance needs.

There are advantages to working with insurance brokers.

  • Insurance brokers do not have company loyalty. They may have preferences of which companies are easier to work with, but they do not have to push any company. They are not bound to any agreement that forces them to favor one company. This gives you more choice.
  • You can get as many quotes as you want. The insurance broker will search the different companies. When he finds a company whose policy meets your needs, he will present it to you. You will get not one, but several quotes if you want them.
  • You may have warning if a company is in poor financial condition. Your broker would not steer you to a company that is failing. It would be bad for you, of course. More importantly for the broker, it would be bad for him. If the company went under, he might not get his commission.
  • Your broker can work with different types of policies. Even if you go with different companies for different policies, this is true. You can get a home & auto insurance quote by you broker from one company. On the other hand, he may find better deals by getting you policies with different carriers for each.

There are disadvantages to working with insurance brokers.

  • Brokers may not be as interested in servicing your policy. They are not a part of an insurance company that prides itself on service in most cases. They are simply a go-between for insurance companies and consumers. They may feel that they do not want anything to do with you once they have sold you a policy.
  • Insurance brokers may try to get you to switch policies often. Brokers get paid a lower commission for renewal contracts than for new policies. For this reason, they are more inclined to switch you to a different company. That way they will get a new policy commission every year or two.

An insurance broker can get you a good home & auto insurance quote. However, you should prepare yourself for problems that might come from poor servicing or constant switching of policies. If you do use a broker, you need to be aware of the disadvantages.

Source by Charlie Lee

Best if you have some experience, before you….