CarInsurance.com Insights
- Protect your privacy when shopping for car insurance. Use trusted quote platforms like CarInsurance.com, which never sell your phone number.
- Carrier apps such as Verizon Call Filter, AT&T ActiveArmor and T-Mobile Scam Shield help reduce spam volume.
- Illegal calls should be reported to the FTC or FCC to help stop repeat offenders.
Your phone rings during dinner: It’s another unknown number promising cheap car insurance or extended warranties. Sound familiar? You’re not alone — spam calls have become one of the biggest annoyances for U.S. consumers.
Fortunately, there are legitimate, effective ways to stop spam calls, block telemarketers and protect your privacy — without missing essential updates from real businesses or insurers.
This guide explains how to opt out of spam calls for good, how to protect your number and how to safely shop for car insurance online without triggering unwanted calls.
Why you’re getting so many spam calls
Spam calls come from several sources — not all of them illegal. Understanding why your number ends up on calling lists can help you stop them effectively.
- Telemarketing and data brokers: Many marketing companies legally purchase consumer lists to promote products.
- Online quote forms: When you enter your number on some comparison or quote sites, your contact info may be shared with partner agents.
- Scammers: Fraudsters often use spoofed numbers to make fake calls appear local or trustworthy.
- Legal marketing vs. scams:
- Legal telemarketing requires prior consent (under the TCPA).
- Illegal calls often use robodialers, pre-recorded messages or pressure tactics.
How to stop spam calls for good
Stopping spam calls takes a mix of tools, awareness and follow-through. Here’s what actually works:
1. Add your number to the National Do Not Call Registry
The Federal Trade Commission (FTC) runs the National Do Not Call Registry, which allows you to opt out of most legitimate telemarketing calls.
- Visit donotcall.gov or call 1-888-382-1222 from the phone number you want to register.
- Registration is free and permanent.
- It blocks most marketing calls, but not political calls, surveys, charities or companies you’ve recently done business with.
Wise Words
According to the FTC, Americans receive billions of spam and robocalls each month — many related to fake car insurance offers or scams.
2. Use your phone’s built-in spam filters
For iPhone:
- Go to Settings → Phone → Silence Unknown Callers.
- Block specific numbers from your recent call list.
For Android:
- Open the Phone app → tap More → Settings → Caller ID & Spam → Block spam and scam calls.
3. Use carrier and third-party spam-blocking apps
Major carriers offer free and premium spam filters:
- AT&T ActiveArmor
- Verizon Call Filter
- T-Mobile Scam Shield
Trusted third-party apps also help block unwanted calls:
- Hiya
- Nomorobo
- Truecaller
4. Report illegal or scam calls
If you get persistent or fraudulent calls, report them to the FTC Complaint Assistant or the FCC Consumer Complaint Center.
For example, if you get a call and someone says, “We can lower your car insurance to $20 a month — just give us your credit card number.” This is a red flag — legitimate insurers never request sensitive details over the phone.
5. Be careful when shopping for quotes
Some “quote comparison” websites sell leads to multiple agencies. That’s why you may receive dozens of calls after requesting a quote.
To avoid this:
- Use trusted websites like CarInsurance.com that don’t sell your personal contact information.
- Read each site’s privacy policy before submitting your phone number.
- Use email-only forms when possible.
- Avoid sharing your number unless it’s necessary for a genuine quote.
How to stop car insurance spam calls specifically
Car insurance spam calls are common because auto insurance is required in almost every state, making it an easy target for marketers and scammers.
Here’s how to identify and stop them:
- Check caller legitimacy: Only licensed insurance agents can legally offer coverage quotes.
- Ask for the company’s name and license number.
- Opt out directly: Ask to be removed from their marketing list. Legitimate insurers must comply.
- Use CarInsurance.com’s comparison tools: You’ll receive real quotes online — no cold calls, no spam.
CarInsurance.com’s Promise
We never sell your contact information to telemarketers or unauthorized third parties. If you want to opt out of our emails, fill out this form or contact us here.
What to do if spam calls continue
Even after registering and blocking, some spam calls may slip through. If they do:
- File an official complaint with the FTC.
- Contact your mobile carrier for advanced call-blocking settings.
- Consider changing your number if calls are extreme.
- Avoid answering unfamiliar numbers — silence or decline them instead.
Frequently Asked Questions: How to opt out of spam calls
How do I opt out of receiving insurance spam calls?
Add your number to the National Do Not Call Registry and avoid sharing your phone number on unverified quote websites. You can also block persistent callers manually or through your carrier’s spam filter.
How long does the Do Not Call list take to work?
It can take up to 31 days after registration for marketing calls to stop. If they continue, report them to the FTC.
Why do I still get spam calls after joining the registry?
The registry only applies to legitimate telemarketers. Scammers and illegal robocalls often ignore it, so blocking and reporting are also important.
How can I tell if a car insurance call is legitimate?
Legitimate insurers will identify themselves clearly, never pressure you and never ask for payment details over the phone. You can verify an agent’s license with your state’s Department of Insurance.
Are spam calls illegal?
Unsolicited robocalls and telemarketing calls without consent violate federal laws, such as the Telephone Consumer Protection Act (TCPA).
Final thoughts
Opting out of spam calls takes persistence, but it’s worth it. You can dramatically reduce unwanted interruptions using the National Do Not Call Registry, built-in phone tools and smarter online privacy habits.
When you’re ready to compare real car insurance rates — do it safely. CarInsurance.com connects you directly with reputable insurers so you can find affordable coverage without the spam.
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