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There's usually some disclaimer saying this is just a quote and may differ from the actually policy written for you.

Yes, and the price difference between the hypothetical quote and the real quote is so big as to make the hypo quote irrelevant. Insurance quotes that don't take your PI are bait-and-switch ploys, not services.

A smart thing to do here might be to figure out a way to do progressive quotes/queries; take the DOB+zip+car information just to start, then let the user decide whether the variance in the results (which will be the best-case ones) merit coughing up more info.

So as a hypothetical ignorant consumer, they'd bait me into providing more information. The effort to get my initial quote would require significantly less data - I'd see the results, like what I see (a.k.a. establish trust) and then it wouldn't be much more effort to get that SSN/DOB at that point.

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