Auto Insurance Companies That Don’t Sell Your Information (2021)
If you want to buy car insurance from auto insurance companies that don't sell info to third parties, you are in luck. Most insurers are auto insurance companies that don't sell info. However, all companies will share information with various third parties. Get car insurance quotes from auto insurance companies that don't sell info directly, so you can protect your data.
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UPDATED: Oct 5, 2021
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- The list of auto insurance companies that don’t sell info to third parties includes most major auto insurers
- There are at least three major car insurance companies selling personal data
- A few auto insurers will sell information if their corporate structure changes
When you are looking for auto insurance, consider auto insurance companies that don’t sell information. While auto insurance coverages and affordable rates are things to consider, the security of your data is, too.
If you want a quick overview of the auto insurance companies that don’t sell your personal information to third parties (and some that do), you’ve come to the right place.
The good news is that most major auto insurance companies will not sell your personal information. However, that means that some still do.
Read on to know more about the auto insurance companies that don’t sell info and find quotes from top car insurance companies in your area. Enter your ZIP code into our free tool above to compare auto insurance rates for free.
Which auto insurance companies don’t sell info?
The list of car insurance companies that don’t sell your information to third parties includes the following:
- American Family
- Amica Mutual
- Auto-Owners Insurance
- The Hanover Insurance Group
- Liberty Mutual
- Mercury Insurance
- New Jersey Manufacturers
- Shelter Insurance
- State Farm
- Tennessee Farmers
- West Bend
Mercury is one of the most affordable auto insurance companies that don’t sell info. It offers high-risk auto insurance and non-owner car insurance, so it is a fantastic option for anyone who needs SR-22 insurance.
USAA car insurance offers savings for military veterans.
That said, all insurance companies will share information with third parties, including affiliates and authorities, as permitted or required by law.
Also, these companies may purchase information from third parties and gather information from you if you use their apps and telematics programs.
All these companies are transparent about their gathering and sharing of information. At least these are car insurance companies that don’t sell info on the dark web.
Which major auto insurance companies will sell your information?
The list of data-selling insurance companies is short. AAA, Chubb, and Plymouth Rock are auto insurance companies that do sell info, but each expressly informs consumers about selling personal information to third parties.
- AAA partners with many other companies to offer members discounts, so the sale of information is standard.
- Chubb lets consumers know that it will “sell, license, transmit, or disclose” personal information. It happens under six scenarios, including express consent by its policyholders. Chubb may also sell information if there is a merger or a company sale.
- Plymouth Rock may sell information to a licensed independent insurance agent to help drivers who want quotes from other insurance companies.
Five more auto insurers do not expressly say whether they will sell your information or not:
- The Hartford
The Hartford, Kemper, and Travelers say that they may sell your information to third parties if their corporate structures change. However, Erie and Progressive are more evasive in their language.
Still, all these companies offer cheap car insurance for many drivers, regardless of their situation.
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What types of information must you provide to auto insurance companies?
The Insurance Information Institute states that you must provide information to an insurance agent or auto insurance company in three categories:
- Each car you insure: You must disclose the make, model, year, and vehicle identification number (VIN) of each vehicle. Tell your agent about any safety features and anti-theft devices your cars have. Also, reveal how many miles you intend to drive each vehicle each year.
- Your household: This information includes your address, parking accommodations, and the number of drivers in your home.
- Each driver you will list on your policy: Include each driver’s age and information about their driving record.
Additionally, you must discuss the level of liability coverage you will need, as well as the size of your deductible.
You can get discounts based on the information you provide. For example:
- Some car insurance companies offer discounts if your car has safety features and anti-theft features.
- If you or any other driver has taken safety driving courses, that may also earn a discount.
- You may also get discounts on your car insurance if you have a teen driver who has good grades.
Be honest when talking to your auto insurance company. In many cases, the company will verify this information via outside sources, and your honesty will increase the chances that a company will accept your application.
What other types of information do auto insurance companies collect?
Auto insurance companies will not only look to verify the information you provide, but they may also find any information that they feel is pertinent to your application.
- Auto insurance companies will find information about your driving history: That includes any driving tickets you’ve gotten or any accidents involving you.
- Auto insurance companies will investigate your payment history: That includes your history of opening or using bank accounts and how often you have bounced checks or incurred overdraft fees.
- Auto insurance companies will investigate your history of filing auto insurance claims: Even if auto insurance companies might not share this information amongst themselves, third parties may have records of your claims history.
- Auto insurance companies will investigate your employment history: If the company can verify your current employment, that helps it determine if it can give you a professional discount.
These bits of information are pertinent to an auto insurance policy. However, if you are interested in insurance bundles (adding home, life, and rental insurance to your auto insurance coverage), there is more information that a car insurance company would want. For example:
- Reports about your apartment rental payments may exist.
- Just as there are records of your auto claims history, there may be records of your homeowners and renters insurance claims.
- There may also be reports based on your medical records and payments.
Now, where would auto insurance companies go to get that information?
According to the Consumer Financial Protection Bureau, many auto insurance companies can get reports about prospective policyholders from specialty consumer reporting agencies. Some, like Experian, Equifax, and TransUnion, create reports about your credit history.
Additionally, your state Department of Motor Vehicles may also provide information to insurance companies.
Before you buy auto insurance, remember that each company will share your information one way or another. The way the company shares your data may be a deciding factor for you, along with rates and levels of coverage.
Now that you know more about auto insurance companies that don’t sell info, enter your ZIP code into our free quote tool below. To learn even more, check out our FAQ section below.
Frequently Asked Questions: Auto Insurance Companies That Don’t Sell Info
Here are some questions you might have about auto insurance companies and data-sharing.
#1 – Is it legal for auto insurance companies to sell your information?
In short, yes. The Driver’s Privacy Protection Act of 1994 limits sharing of personal information, but it has 14 exceptions based on 18 U.S. Code § 2721. At least six of those exceptions pertain to auto insurance companies. For instance:
- Companies will often need to share personal information with agents and affiliates as part of their normal operations and verify and correct their clients’ data.
- All insurance companies can share information with third parties under permissible use.
- Companies will need to comply with court orders and provide their clients’ personal information that way.
Of course, all companies will have permission to share their clients’ personal information if they have written consent and if state laws allow information-sharing.
#2 – How can you know what an auto insurance company will do with the information you provide it?
#3 – What can you do to limit the amount of information auto insurance companies have on you?
Unfortunately, there is little you can do to limit data-sharing. You must share basic personal information to enjoy certain services and buy car insurance.
However, you can take precautions to limit how many companies have your personal information and make sure the information out there is correct. For example:
- Get quotes from well-known and reputable websites.
- Compare car insurance quotes from auto insurance companies that don’t sell info.
- Ask about each auto insurance company’s privacy policies. Find out which types of information these companies require and how they use that information.
- Talk to an independent insurance agent to get direct quotes. This person will work to protect your information.
- Make individual inquiries with specialty consumer reporting agencies at least once a year.
You can get free reports from each reporting agency once every 12 months or after receiving an “adverse action” notice. An adverse action happens whenever a company rejects an application (for an auto insurance policy, for example).
After receiving a consumer report, review the report and make sure the information is correct. It is also a good idea to review consumer reports ahead of time so you can get corrections before applying for car insurance.
Ultimately, you will need to review national laws. Also, check with your state. Make sure there are laws on the books that enhance consumer privacy protections.
For instance, Californians have the California Consumer Privacy Act, which allows consumers to delete some personal data and opt out of the sale of their data, among other things. The California Office of Attorney General summaries the 2018 law on its website.
Check to see the progress of similar legislation in your state.