Anonymous Car Insurance Quote: What It Is and How to Get One

anonymous car insurance quote

The idea of getting an anonymous car insurance quote seems too good to be true, as many insurers have a substantial list of questions that they “require” you to fill out.

However, did you know that not every item on their online forms is required to get a quote?

There are a variety of ways that you can trick a quoting system by providing near-accurate information so that you obtain an unbiased and anonymous insurance quote.

It’s essential to read the terms and conditions of each insurer since they may need accurate information for all the fields.

In this guide, we’ll go over the tips and tricks you can use to get an anonymous quote for car insurance.

What Is an Anonymous Quote?

When you go through the process of getting a quote for insurance, you may find there is a lot of sensitive information you might need to give out.

This information may include your mailing address, full name, date of birth, and email address.

For some drivers, providing that many details online can be uncomfortable and, in their opinion, may negatively affect the accuracy of their insurance quote.

Instead of being subjected to putting all of your personal information online, you can opt to change a couple of fields to be a little more confidential.

Is an entirely anonymous quote possible? Likely not, but you can hide a lot of sensitive information from the masses.

Understanding Quote Types

When you visit the insurer’s website, you’re likely to see whether they are offering “guaranteed” or “non-guaranteed quotes,” each with their meaning.


A non-guaranteed quote will provide the driver with a basic premium that most of the other policyholders with that company pay.

This service will compare all of the most current rates to give you an average or an idea of what your monthly costs will be.

The most significant downfall to this process is that the quote is bound to be inaccurate compared to what you will have to pay.

Non-guaranteed quotes won’t require any personal information apart from your state and your contact information, which leads us to believe that your premiums could be substantially higher or lower than what you are presented with.


On the other hand, you have guaranteed quotes, which are an accurate representation of what you’ll be responsible for paying either monthly or annually.

These rates are the actual values that a particular provider would be willing to have on your policy, making them substantially more accurate than non-guaranteed rates.

You’ll find that they are tailor-made to your specific needs; however, to get a realistic quote, you have to provide plenty of personal information.

One of the most common sensitive pieces of information they will request is your driver’s license number, as they can check your history without relying on the information you have self-reported.

All-in-all, some of the information you provide for guaranteed quotes may seem invasive for no reason, whereas other items are required, such as your physical address.

How to Conceal Personal Details

As earlier mentioned, getting a fully anonymous quote would negate the entire point of getting a quote at all.

By opting not to provide your address, age, gender, or zip code, you won’t get accurate results in terms of what you’ll be responsible for paying.

Inaccurate information will only make it more difficult to compare quotes across insurers.

With that said, there are some types of personal details that you can omit from your form to help keep you a little more anonymous and give you peace of mind, including:

Email Address or Phone Number

If you’re the type of person that doesn’t like to be spammed with calls or contacted by insurance companies, you can quickly provide a burner phone number or email address to the company in question.

You will want to make sure that the email address is valid, as your quote might be sent to that inbox.

The idea is to create a secondary email for your junk and newsletters, aside from your most-used account.

Real Name

The only time you should be required to put your real name into a quote service is if you are interested in buying insurance from a specific provider at that time.

If you’re starting to shop around, there’s no reason you should put your real name on the form, as all you want is a quote.

We highly recommend this tip if you’re compiling a list of quotes from different providers in your area that you will compare on your own time.

What Fields are Starred(*)?

Frequently, you’ll find that insurance providers do most of the work for you if you want to remain anonymous by putting an asterisk (*) on the necessary fields.

This symbol means that you won’t be able to submit the quote until you fill all of the areas appropriately and gives you an idea of what information is not needed.

We love this method since it can help you to save a lot of time when it comes to filling out online forms.

The Importance of Personal Information

You might be wondering, what if I don’t want to provide my zip code or physical address?

It’s important to remember that information is imperative to determine the actual cost of your insurance if you want rates that are as accurate as possible.

Where you live, your age, your gender, and your driving history will determine whether you are a standard or non-standard driver, affecting your rates.

Providing the necessary personal information also helps you get the right quote.

If you opt to stay anonymous and have found the perfect insurance provider for your needs, you’ll have to do the quote a second time with all of your accurate information.

Otherwise, you’ll have a form filled with inaccurate contact information and an incorrect contact name, which will render the quote useless.

Anonymous Car Insurance Quote: Final Thoughts

You always have the option to omit certain information from your anonymous car insurance quote, whether it be your name, phone number, or email address.

We recommend using an accurate driving history, though.

Even though it might be tempting to stay anonymous, your personal information is what helps to make your insurance quotes accurate based on your needs and history.

Otherwise, you could receive quotes that are too high or too low compared to the actual amount you’ll be responsible for.

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