Tips for getting Free Insurance Quotes

Free quotes are fabulous but there are a few drawbacks.

First, depending on what kind of insurance quote you
looking for, the form will usually require significant
personal information from you about you, including
your name, address, phone number, email address
and social security number.

So why, you may wonder, do they need an SS number.

Insurance companies check credit ratings on applicants to
determine if they are a potential risk for defaulting on a
policy after a few months or a few payments.
Credits reports show them your history as much as it
has been reported: a number of credit card defaults or
bankruptcy will push you into a higher rate category,
or may even make you ineligible for whatever kind of
insurance coverage your looking for.

If your looking for Pet Insurance they will want more
information on the pet than on you, but if your pricing
auto or home insurance, you'll have to strip down.
No way around it (legally.)

Insurance on Your Property

Information the forms may ask for include:

Type of Structure (Brick, frame, stonehenge)
Type of Heating (Natural gas, propane, electric, nuclear)
Roof (asphalt, slate, metal, blue tarps and duct tape)
Basement (Yes, no, finished, unfinished, crawlspace, dungeon)
Electrical (Fuse box, circuit breaker)
Age
Location

Auto Insurance

You will need to know:

Make (Ford, Chevy, Renault, GMC)
Model (Taurus, Lumina)
Year
How many drivers
Garage Location

In addition, the forms most likely will need your
driving history (tickets, accidents) as well as any
medical conditions you may have that affects your
ability to operate a motor vehicle.

Life Insurance

Expect to answer questions concerning:

Your Present Health
Smoker
Occupation
Xtreme sports enthusiast
Where you live

The scope of this article cannot cover all the potential queries
you may have to answer, but to make you aware of
the possibility of being required, as you have seen, to
provide considerable information in order to get that free quote.

Couple of Things You Can Do

Set up a separate email account for your quote surfing as
it will likely result in a continuous stream of emails from
insurance providers attempting to get your business.

If your uncomfortable giving away personal data, try
submitting the form with only the parts you feel ready
to provide; some insurers may go ahead and do the quote
as best they can until you come clean with all the details
they really need.

Shop around. Different providers expect different things.
There are plenty of choices out there, but it takes a bit of
effort to find exactly what you want in terms of insurance
coverage and costs.