How to get free car insurance quotes without giving your information

Written by contributing writer
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According to a 2006 study conducted by the Garner institute, identity theft occurs every minute to approximately 28½ people. These numbers are alarming, but explain why you shouldn't give out personal information to strangers. You are afraid of becoming a victim. Normally, this type of mentality presents no problem. It only becomes an issue when it’s time to get certain services like a car insurance quote. Insurance agents are trained to ask for a lot of sensitive information from potential clients so that they can give accurate quotes. Yet, it is important to know that you don’t have to give it out to get what you want from them.

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  1. 1

    Refuse to give out any personal information. Tell the agent it makes you feel uncomfortable. Then let them figure out it. Insurance agents are professionals and can work around their internal systems to give you a car insurance quote.

  2. 2

    Ask for a general quote. It can be based on people within your demographics or with your type of car. This kind of insurance quote won’t be completely accurate, but it will get you into the ballpark of what kind of premium you‘ll end up paying.

  3. 3

    Give out cryptic information. You can always give the insurance agent slightly altered personal information about yourself to get a quote for car insurance. So take off a couple of years on your date of birth. Change your last name. Alter your street address. You will still be able to get an insurance quote.

  4. 4

    Request a quote based on a particular postcode. Postcodes play a big role in how much you will pay for any car insurance premium. So use it only and explain upfront to the agent that it is the only personal information you feel comfortable giving out.

  5. 5

    Go online and get an insurance quote. A lot of companies like Geico offer the public access to a system that gives out car insurance quotes. They ask for limited information and are still able to give you quotes.

  6. 6

    Ask your neighbour for help. Your neighbour can give you information on his rates. Unless he has had a lot of speeding tickets or owns a car that is really different from yours, your insurance premiums will be about the same. So you’ll have a ballpark figure on what to expect from local insurance companies.

Tips and warnings

  • Decide prior to contacting an insurance agent what kind of personal information you are willing to give out. If you are concerned about giving out your Social Security number, explain it to the agent right away.
  • Don't waste time arguing with an insurance agent about giving out your personal information. If they refuse to give you a quote, take your business elsewhere.

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