Insurance companies have been bombarding us with claims that you can save tons of money on auto insurance. If you choose to purchase online, here are some of the potential benefits and drawbacks.
There are many benefits to buying your car insurance online
- Online insurance shopping allows you to make purchases at your convenience. You can even shop in your slippers! Online insurance quotes are quick and easy to obtain. If you have your current policy, multiple quotes can be done in under a half hour.
- Many consumers are concerned about the pushiness of insurance agents. They may wonder if they are looking out for their best interests or just for their pocketbook. Most insurance agents are competent at their job and can offer valuable advice to clients. You can also buy your car insurance online if you don’t wish to deal with an agent.
- You can actually see the rates of other companies’ car insurance on some websites. These rates can be accessed from the state’s insurance department. This will allow you to view an estimate price for comparable company rates.
- You can make changes to your coverages online if you have the necessary technical skills. This saves you time and eliminates the need to call your agent.
The Negative Sides of Online Auto Insurance
- There are some disadvantages to buying car insurance from a local agent. Although online companies offer advice, you won’t get the advice of an agent. You may find it more beneficial to seek the advice of an insurance agent in your area if you have a complex personal situation.
- Independent insurance agencies, which don’t work with one company, can offer car coverage quotes to multiple companies just like you would online. Many of the independent insurance agencies that they work with don’t offer online quotes. Agents may be able offer you the best car insurance rates.
- If you are not satisfied with the outcome of your claim, an agent can assist you. Your car insurance company may attempt to settle your claim for a lower amount than you feel is fair. You can appeal to your agent to have them handle your claim. An agent may be able argue for you and negotiate a better settlement.
- Online auto insurance doesn’t give you the option of calling a local representative if you have any questions. You can visit a local agent to discuss your issue face-to-face. Online car insurance companies allow you to contact them via email or a toll-free number. This can be a little impersonal.
The Conclusion
There are pros and cons to each option, regardless of whether you buy your car insurance online or from a local agent. We recommend that you compare several online quotes with multiple local agents to see which company is the best. You will be able to save money on California car insurance by getting as many quotes as possible.
