Using Personal Info to get Idaho Auto Insurance

Wallet with Idaho state seal

Comparing prices from several different sources is an excellent way to find a product at a lower price. When people shop for auto insurance in Idaho, however, this usually involves comparing quotes from multiple coverage providers. The difference between vehicle protection and many other products is that prices are generally based on a variety of personal details exclusive to each motorist. Fortunately vehicle owners in the Gem State can search for estimates without having to relay any personally sensitive information, but there are still some details that are required to get an accurate quote, which may include a glance at an individual’s driving record or credit score.

Drivers in ID are required by law to purchase Idaho auto insurance and provide proof of financial responsibility when necessary. This means that a large number of motorists in the Gem State may need to shop around for a policy. One of the more convenient ways to search for quotes is to use tools that are readily available online. Often with only a small amount of information a resident could see dozens of quotes at once. To receive an accurate estimate, drivers typically only need to relay a few details, such as their age, gender, marital status, garaging address, vehicle information and annual mileage. Motorists do not, however, need to give any personally sensitive data to see a policy estimate. In most cases drivers should refrain from revealing their social security, driver’s license, and credit card info while shopping for quotes to avoid potentially fraudulent activity.

Personal Info Used in ID Auto Insurance

Although policy estimates can usually be obtained free of charge and without personally sensitive details, sometimes certain information is required to produce an accurate quote. Apart from the aforementioned data, insurers usually need to know an individual’s driving record. Premiums are largely determined by a resident’s likelihood of filing a claim. If a motorist has a history of accidents or other vehicle related offenses, an insurer is more likely to set a higher premium to counter the possibility that they may file a claim in the future. Some companies may deny coverage entirely. Additionally, in some situations insurers want to know an individual’s credit score to help determine their premium.

For motorists with Questions and Answers About How Your Credit Affects Your Insurance Rates the Idaho Department of Insurance has a wealth of information. According to the Fair Credit Reporting Act insurers are able to use a person’s financial information to assist in determining the price of their policy, but there are certain restrictions as well. Coverage providers can use this information as a contributing factor when determining whether or not to insure an individual, but it cannot be the primary cause of accepting or denying a resident of Idaho. This information may be used in the same way with the same restrictions when determining a person’s premium as well. Although some details may be required when shopping for coverage, residents in the Gem State can typically find an adequate policy without having to divulge any personally sensitive info.


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