Why Do Insurance Companies Ask For Personal Information For Quote?

Hey no question is too dumb to answer. Insurance companies require your personal information to give you a car insurance quote because they need to rate you appropriately. Aside from your name, pretty much everything an online quote ask you is for the purposes of underwriting you to determine exactly how much to charge you.

You may now be saying why do they need my address? Insurers require your address because believe it or not one of the factors that determine how much you are charged is where you live. Try it out for yourself, do an online quote and change your address to someone living in the busier part of your city or the more rural part and note the change in premium.

Other things an online application will ask for are pretty straight forward such as your vehicle type, driving tickets, accidents as well as prior insurance history. All of these factors combine into determining your policy premium and are required to give you an exact price. Now you know why these insurance sites like to ask you a million and one questions.

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