Trying to find the right insurance for your needs and your budget can sometimes feel a little frustrating. Finding that sweet spot between the deductible you’re willing to pay and a manageable monthly premium can often feel like an impossible task. Parsing through all of the small print to find out the exact conditions of your policy is a one-way ticket to headache city.
The key to finding the right insurance often includes asking for quotes from various providers and then comparing them to find a policy that best suits your needs. However, anyone who’s tried to purchase an insurance policy before knows that this process often requires answering a lot of questions. If you’re looking for car insurance, for example, you’ll probably know that you need to answer questions about the make and model of your car as well as your address, your driving habits, your history of claims and accidents, and who else may be using your car.
In many cases, a lot of the information required can feel a bit personal. Name, age, occupation, health, address, living situation, and income are just a few of the details most insurance providers ask of you before giving you a quote. So it’s natural to ask: Is it possible to get a quote or quote without providing personal information?
Anonymous insurance quotes
It is, in fact, possible to receive an insurance quote without giving away personal information. Many insurance providers, including auto insurance and tenant insurance, can give out quotes without personal information, known as anonymous insurance quotes.
The way to get these anonymous quotes is usually to go through an online insurance calculator. These tools usually just require your postal code, the date you want your policy to start, and what kind of coverage you’re looking for (personal liability, theft, loss, vandalism coverage, etc). Then the tool will be able to provide a rough estimate of what quote you might get charged based on the average rate insurance providers in the area charge for similar coverage. It’s also worth reaching out directly to the insurance provider you’re interested in and asking if they can give you an anonymous quote.
More details equal a more accurate quote
Here’s the thing about anonymous insurance quotes: Without personal information, you’re only going to receive a rough estimate and nothing more. Insurance providers ask for all of these details from you because it’s important information required to assess how risky it will be to insure you.
When it comes to homeowner insurance, for example, knowing the location of the property as well as your income, profession, and past claims history will all affect how risky (or risk-less) insurers will consider your case, and adjust their quotes for you accordingly.
Car insurance providers will want to know your driving history, whether you’ve had any tickets or accidents, what kind of car you have, where you keep your car, and what your age and gender are. These details create a personalized profile of you that insurances use to estimate how risky of a driver you are and how likely you are to get into an accident or have your car vandalized or stolen.
As such, not providing these details will result in a less accurate quote. And once you’re trying to lock down a specific policy, you will have to provide those personal details if you want to know exactly what you will be paying. If you’re intent on purchasing a policy, you’re going to have to provide personal information sooner or later.
However, that doesn’t mean that anonymous quotes aren’t useful in their own right. Suppose you’re simply trying to get an overview of what the average prices for insurance are in your area. In that case, anonymous quotes can be a really helpful guidepost without requiring any personal information from you upfront. If you’re curious about how much someone in your area and with your car would need to pay for auto insurance, then an anonymous quote is a low-commitment way to get the lay of the land before you start looking for real. The same goes for if you’re considering switching insurances but just want to see what’s out there without giving your social security number to ten different companies.
If you’re curious about what else is out there but don’t want to spend hours on the phone with an insurance representative, then you should give us a try. At YouSet, we don’t require you to spend your precious time filling out page after page of personal information to get a quote. In fact, all you need is a couple of minutes to answer some questions right on our site, and we’ll instantly provide you with a list of policies that match your criteria. You can then easily compare them at a glance, with the most accurate quotes you need right there at your fingertips. Plus, you’ll be benefiting from our best price guarantee. And once you find a policy you like, you can purchase it right on our site with just a couple of clicks.
Finding the right insurance for you shouldn’t be a headache, and it shouldn’t require you to fill out a novel’s worth of forms. We want to help everyone get the insurance they need without taking up precious hours in their day. Curious? Come check us out!