What personal information do car insurance companies look at?

Can car insurance companies see all of your personal information? Are there certain things they look at when rating a policy?

Answer
“When applying for car insurance, providers ask for your consent to access your credit report and other personal information. To determine rates, most car insurance companies look at:
  • Your credit report
  • Age
  • Address
  • Driving record
To access your credit report, they’ll also often request your Social Security number. Your name, date of birth, license number, and address are all required information on a car insurance policy. While you could decline to provide your Social Security number, you may not receive the best rate as a result.
Due to privacy laws, insurance companies aren’t able to access all of your personal data. They can only access what you agree to and provide them with.
As insurance is state regulated, all car insurance companies must follow strict rules and regulations regarding personal information and rating systems. Several federal acts also protect consumers’ privacy.
If you’d like to know exactly what car insurance companies are accessing, they should provide you with a privacy notice when requesting and applying for insurance on sites like Jerry. Sign up on Jerry to compare dozens of rates and get the best insurance coverage for the price.”
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Emily Maracle
Answered on Sep 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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