Can car insurance companies provide ‘fake’ quotes?

UPDATED: Nov 11, 2013

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UPDATED: Nov 11, 2013Fact Checked

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Asked November 11, 2013

1 Answer


It is possible to fake a quote for auto insurance, but doing so is not in the best interests of the insurance company. Providing you with inaccurate information about a quote, could tempt you with apparently lower costs, but once you begin the actual underwriting process, those differences are as likely to drive you away again as anything.

If you are concerned that someone has been applying for car insurance in your name, you probably have little to worry about. In order to get an accurate auto insurance quote and to take out any auto insurance policy, the person making the request will have to supply your Social Security Number along with other identification. For example, your driver license number is needed to get an accurate quote because the insurer must access your personal driving history. And since the quote is based on the VIN number of your car, someone purchasing a policy using your information can only buy the policy at your address and for your specific car.

Now, a fake auto insurance quote should not be confused with a sample quote. Some insurance companies will provide you with generalized sample quotes to give you an idea of what you could save if you switched companies. These quotes are inaccurate because they are based on limited or no exact information, such as omitting how the policy would look for your particular vehicle or how your personal driving history would modify the final cost.

If you feel you have received a false auto insurance quote, contact the insurance company which issued it and request a clarification. Many times, apparently fake quotes result from minor mistakes in the quote request, and can be corrected by verifying the information and making the necessary changes. In this instance, the quotes are real, but the information they are based on is faulty, resulting in an incorrect quote.

Answered November 11, 2013 by Anonymous

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