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Is It Necessary To Give Out Personal Information for a Car Insurance Quote?

Apr 07, 2011

One thing that many people have concerns over is the fact that when it comes to getting a car insurance quote, they have to give out a lot of personal information.  This means that once you have your quote, your phone number could be on the list of a number of telemarketers and then the nuisance phone calls could start.  To be honest, there are not many online car insurance companies that will provide you with an accurate quote unless they have the details that they need.  But the most important thing here is for you to actually understand why these car insurance companies would want these details in the first place.

Accurate Quotes

Car insurance companies have to take a number of factors into consideration in order to provide the most accurate quotes to customers and potential customers.  The insurers will need to take your age, gender, address and job into consideration as well as the type of car that you drive and your driving history.  It is this reason that makes it necessary for customers to provide a lot of personal information in order to get the most accurate quote.  Insurance companies want to be able to give you accurate quotes before you commit to them so that the price will not vary too much.  So the more information that you provide to the insurance company, the more likely you are to get an accurate quote.

Comparison Websites

It is very useful to get accurate quotes from the insurance company before you decide which company to go with.  It means that you can compare quotes from a number of different companies and this allows you to ensure that you are getting the best deal.  Many people will use comparison websites to get a number of quotes in order to see where the best deals are to be had.  However you do need to bear in mind, that a lot of these comparison websites are making a profit by directing customers to certain insurance companies.  You also need to remember that when you provide your personal details to some of these comparison websites, that you could soon find yourself bombarded with calls from a number of insurance companies hoping to get your business.  It is probably best to look for an independent comparison website that does not have any affiliation with a particular insurance company.  That way you know you are getting unbiased information.

So basically, the answer to whether or not you have to give out personal information to get a car insurance quote is yes – that is if you want your quote to be accurate.