Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Aug 12, 2021

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Here's what you need to know...

  • With so many people looking to rip you off online, it’s only normal to protect your personal information
  • If you are financing or leasing, you will be required to purchase comprehensive and collision to cover the car
  • Collision specifically only covers an actual collision with another car

It is that time again. Time to renew your car insurance. Only, you are still being hassled by the 10 companies you contacted last go around for quotes.

You know you should always shop around, but you do not want another 10 unwanted callers.

For that reason, among a few others, you may want to submit a car insurance quote without all of your personal information.

Use the FREE quote comparison tool above to start your search instantly!

Should you get quotes without giving your personal information?


With so many people looking to rip you off online, it’s only normal to protect your personal information. But how do you obtain an accurate quote without the appropriate information?

There is a lot of things you can find out without having to disclose your personal details, which include:

  • Maintain privacy while you shop for the right insurance parameters, such as desired deductibles, and limits.
  • Shopping for a new car and want to know what kind of insurance rates you will be charged.
  • Want to see how a move to a new address will affect your insurance premiums.
  • Check to find out how a new commute will impact your vehicle insurance rates.
  • Compare rates for your teenage driver to have her own insurance policy versus being on the family’s insurance policy.
  • Look at how much you could save on multi-line discounts for multiple vehicles, motorcycles, boats, and homeowners insurance privately.
  • Find out how much it would cost to add a friend to your policy for your cross-country road trip. You are not going to drive it alone, after all.
  • Learn how much it would cost to drive into Mexico with a Mexican car insurance policy.
  • Determine auto insurance rates and insurance laws if you were to move to another state.

Checking insurance rates is not all serious business. Sometimes curiosity gets the better of you. Suddenly you wonder how much it would cost to drive in Seattle versus San Francisco.

Maybe you are weighing two job offers, or just deciding to move elsewhere, and need to price everything out for your budget.

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What kind of information do auto insurance companies consider when giving a quote?

An auto insurance company needs your personal information because the quote for coverage will be based on the level of risk you pose as a driver.

The company will look at your age, location, driving record, credit score, marital status, and a number of other factors to determine how likely it is that you might file a claim.

Teen drivers, drivers without a clean driving record, and drivers with poor credit histories will pay more for auto insurance.

Anonymous auto insurance quotes will inevitably be less accurate because they are not based on your specific risk profile. You could end up paying a lot more than the quoted price once the insurance company has all of your information.

Some insurers provide a car insurance calculator that allows you to get a rough estimate of your insurance costs without providing any personal information. The calculator may not be completely accurate, but it could be a better option than simply sourcing anonymous quotes.

How do you compare quotes from different insurance providers?

What it all comes down to is casting the net as wide as possible when making such a comparison. You want to receive quotes from as many insurance carriers as possible.

Ensure that you are comparing apples to apples as well. Sometimes you will find a few things happen in response to your request for a quote.

They might have much higher deductibles than you requested in order to give a lower premium. Perhaps the insurance limits are lower, or higher as well.

Make a list of the various aspects of insurance and levels you want. Check against the list when you are comparing your quotes.

Most companies offer many different kinds coverages, meaning auto insurance policies can be customized to suit a customer’s exact needs and budget.

Most states have a minimum coverage requirement for car insurance. Depending on your state, you may be required to carry personal injury protection and medical in addition to:

  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured injury
  • Property damage coverage

In addition to the minimum coverage, if you are financing or leasing, you will be required to purchase comprehensive and collision to cover the car. If you have a brand-new car, right off the dealer’s lot, consider adding on GAP insurance as well. These coverages will increase your insurance costs, but could save you a lot of money in the long run.

Because new vehicles drop precipitously in value once you pull away from the dealership, your car is worth less than you owe on it.

If you were to get into an accident on the way home from the car dealer, you would owe the difference, which can be thousands of dollars. Liability coverage will not help you in this situation. Instead, buy GAP insurance so that you are protected against such financial risks.

Maintaining Cash Flow with Comprehensive and Collision Coverage


Collision and comprehensive covers your vehicle. It is a common notion to drop comprehensive and collision coverage once your car drops to a value below.

Depending upon your own situation that may not be in your best interest.

It’s similar to the concept of keeping a cash nest egg while you have credit card debt. Foolish because you are paying interest on a credit card.

It is wise to have liquid assets available for emergencies.

For the car, you might argue that not all repairs will total your car. You might find that a $250 deductible does not cost much more than a $500 deductible.

If you put forth that cash, get the car fixed, then you saved your ride and did not use your full future car fund savings to pay for it.

Compare quotes from the top car insurance companies and save

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What are comprehensive and collision coverages?

Always read your policy to know what your collision and comprehensive cover.

Normally, collision insurance specifically only covers an actual collision with another car, from flipping, or from hitting something on the road, such as a big pothole.

Comprehensive insurance, on the other hand, usually covers if you hit an animal, hail damage, wind, theft, burglary, and even damage to your windshield.

It is also worth mentioning that two additional auto insurance coverage are useful, but may only be accessible if you have purchased collision and comprehensive coverage on your auto policy.

They include:

  • Car Rental reimbursement if in an accident
  • Towing and roadside assistance.

Look carefully at the pricing of your insurer’s roadside assistance, because it is probably more than $80 to $90 savings when compared to an auto club. If you like the perks of your auto club, feel free to stick with it.

It is not service for people who neglect their cars because it will make your insurance spike in cost if you do.

It is definitely a product for the mundane accidents, and also the freak out-of-left-field life events that can happen to yourself or your car on the road.

Enter your zip code into the FREE car insurance comparison tool below!


  1. https://www.geico.com/save/discounts/car-insurance-discounts/
  2. https://www.nationwide.com/car-insurance-policy.jsp
  3. https://www.21st.com/auto-insurance-information/understanding-car-insurance-deductibles.htm
  4. https://www.nationwide.com/gap-insurance.jsp
  5. https://www.progressive.com/glossary/comprehensive-and-collision/
  6. https://www.investopedia.com/ask/answers/12/garage.asp