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We have the same problem, but I think there are a few specific reasons (based on our business model) for this that may not be an issue for most of the other dealerships here. That said, we have found that for people who convert online for credit applications tend to give more quality information than those who fill out other types of forms on the site. I think the rules for landing page forms applies here: the "ask" (i.e., good contact information) has to live up to what you're delivering once that form is completed. The better the chance that your lead gets what they want, the more likely they will feel comfortable giving out contact information. The less they trust that it's a good deal for them to give you their info, the more you'll run into bad leads.

I think it's also worth digging into your buyer's journey. For people who need a car NOW, there's a greater need to make contact with someone who can help; people who are casually browsing for a purchase sometime down the road have very little incentive to let you know who they are.