6 important items to avoid falling for scams when getting a car insurance quote

Car insurance quotes should only be made on websites that have a data privacy policy if you want to avoid problems.

One of the quickest ways to request a car insurance quote is online. This allows you to place an order and receive proposals in just a few minutes, wherever you are.

This procedure has become quite common and is being used by people. The point is that the internet still carries some risks, so attention is needed.

There are scams that are applied to obtain information from those who are requesting a quote.

Fraud by policyholders is more common, especially when they fake theft to obtain the compensation amount. Scams when making a quote are not much talked about, despite them existing.

See how a vehicle insurance quote can be made online without presenting any risks.

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1. Understand the policy of the site where you enter data

The General Data Protection Law (LGPD) only reinforced something that companies and websites should already do: protect their users' data. It must be followed by the website where you are quoting the insurance.

To receive car insurance offers, you must fill out a form with your personal details, vehicle details and other information about your habits. All of them must be used solely and exclusively for the proposal to be generated.

The website must have a very clear policy regarding the use of data, informing the purpose for which it will be used and ensuring its protection. When this is not done, information leaks and your name could be used in scams.

2. Check the broker/broker's credentials

When making a quote for vehicle insurance, this request will be sent to a broker, who will then contact you. This professional must be trustworthy and one way to check this is to ask for his and the broker's details.

Then it's time to check if this person is really an accredited broker and if the broker exists. Make sure you speak to the right person, after all, they will have access to your information and will not want it to fall into the wrong hands.

3. Know how to differentiate an insurance company from a cooperative

Unsuspecting people can ask for a car insurance quote and receive a vehicle protection proposal. These two products are different things, despite being similar and having very similar coverage.

Vehicle protection is a service offered by a cooperative, it is not regulated by SUSEP and has its own operating rules. Insurance is regulated, follows strict rules and is subject to inspection.

When receiving a proposal, you need to analyze what it is about, the information must be clear. If you are looking for an insurance proposal, then pay attention.

If you are open to other possibilities, you should be extra careful. Many of these cooperatives leave customers in the lurch when they need them most, so do your research.

4. Analyze the reputation of the insurance company that provided the vehicle insurance quote

The insurance company, even though it is regulated and inspected, must also be researched. She must be active and provide good customer service.

Check out a list of the most reliable insurance companies!

See if she has been paying the compensation or just making proposals that look more like scams. Currently, with the internet, several digital insurance companies have emerged. As they have not been on the market for so long, it is worth dedicating more extensive research on them.

5. Access the proposal and policy

The only way to guarantee that you are taking out insurance is with the proposal and then the policy. Make sure you receive these documents, it can even be done digitally.

They will give you the security that you have the coverage contracted and that you can use it when you need it. Without proof like this you can be deceived. Suppose you took out insurance with coverage against robbery, theft and collision and paid for it, however, when you checked the proposal it only protects against robbery and theft.

Therefore, in addition to having the document, it must reflect reality, if there are differences, it must be resolved immediately with the insurance company.

6. Don't pay intermediaries

There are scammers who manage to circumvent all of the tips above and ask for payment to be made directly to them or to a designated account. Don't fall for this scam.

Insurance companies usually issue their own invoices, and even make them available on websites and apps for printing. Understand that these companies do not use intermediaries to receive payments, regardless of the payment method chosen, do not pay anyone else.

Care must begin at the time of the vehicle insurance quote, so all steps will be carried out safely. This will also ensure data protection and hiring the right product.