Real-time insurance estimate based on non-personal identifying information

One or more tangible computer readable media storing computer readable instructions that, when executed, cause a system to perform:

• analyzing a rate model stored in a memory to determine, for each of a plurality of rate factors, an insurance risk associated with multiple different values of each rate factor;
• determining one or more assumptions based on historical rate plan data, wherein each assumption is true for at least a predetermined percentage of historical insured individuals in the historical rate plan data;
• selecting a subset of the plurality of rate factors that, combined with the one or more assumptions, yields a substantially accurate insurance estimate when a value input filter corresponding to the rate factor is applied to the historical rate plan data and is re-input into the rate model, wherein each rate factor in the subset of the plurality of rate factors comprises non-personally identifying information;
• receiving user input for each of the subset of the plurality of rate factors using each corresponding value input filter;
• and
• automatically determining an estimated insurance premium using the rate model based on the received user input.

A method of providing an automobile insurance estimate, comprising:

• receiving at an insurance rate computer, first user input identifying geographic information, wherein the geographic information does not comprise any personal identifying information;
• receiving at the insurance rate computer, second user input identifying personal information for each of one or more drivers to be insured, wherein the personal information does not comprise any personal identifying information;
• receiving at the insurance rate computer, third user input identifying vehicle information for each of one or more vehicles to be insured, wherein the vehicle information does not comprise a vehicle identification number (VIN) and does not comprise any personal identifying information;
• the insurance rate computer determining an estimated insurance premium based on the received geographic information, personal information, and vehicle information;
• and
• providing the estimated insurance premium for communication to the user.