Pros and Cons of Buying a Car Insurance Online

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In this modern age of the internet, most of companies have lost faith in the retail engagement at brick & mortar stores. They have started to prefer doing business either partially or entirely online. After all, you would prefer shopping for a bed online and getting it delivered to your doorstep rather than shopping around at different stores and then lugging it home, right? In the same way, shopping for car insurance online seems way more convenient to most of people. However, just like everything else, even this coin has two sides to it.

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*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
*Above mentioned prices are for Honda City EX 1.5L, 2017 model.
If you’re planning to take a leap in the land of online insurance, you need to know what are its pros and cons when comparing it to the traditional route of insurance.

The Pros of Buying Car Insurance

Written below is the list of pros of buying car insurance online.

  1. Purchasing Insurance Anytime- Suitable for the currently busy lifestyle, online insurance is conveniently available at each hour of the day. Long gone are those days when you could buy insurance only between 9 to 5. You can also easily compare car insurance policy online before selecting the most suitable one. The biggest perk of online insurance is convenience.
  2. Asking Insurance-related Questions Online- The internet has become an amazing source for gaining information on insurance. You can look up for an answer to almost every insurance-related question you have online. The online insurance providers provide smart & easily understandable insurance information.
  3. Saving done by Skipping the Middle Men- When you buy your car insurance online, you skip the insurance agent who is the middleman. Theoretically, when you buy insurance directly, you should be saving money as the insurance provider will not have to make any payment to the agent.

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The Cons of Buying Car Insurance

And here is a list of cons of buying insurance online.

  1. Not Being Able to Speak with a Person: The importance of speaking with a person live should not be underestimated in case of purchasing car insurance. Websites might malfunction, questions might arise, and then a live person might be needed in order to verify the accuracy of the insurance policy. Dealing with the customer care agents might not be exactly awful, however, it might get annoying and impersonal when you have to bear an automated system being kept on hold.
  2. Knowledge of Insurance Needed: Without the help of an insurance agent, you’ll have to research answers for the insurance related questions. The next option can be calling the customer care number of the insurance company online. The customer care agents will be able to answer your questions but you will not be assigned a personal agent. You might probably end up talking to a different person every time you call. The expertise of a personal insurance agent can help you save your time as researching answers to your questions on your own or calling the customer care might consume a lot of time. You need to understand that your coverage is important. Hence, you should be prepared to invest some time in finding insurance information when you purchase your car insurance online.
  3. Knowledge of Computer Required: You need to put in a little bit of effort to fill all the required information for auto insurance quotes online. If you’re uncomfortable using the computer, skip the idea of buying insurance online completely. Hire an agent to do this work for you.
  4. No Assistance in Filing the Claim: When in the loss, it can be comfortable to have a voice familiar to help you in the claim process. A lot of agents file claims for the clients. In an online car insurance provider, you may have to go through the claim procedure on your own. It is not difficult to file a claim, however, when in stress, it is good to have someone to do this work for you.

The Final Thoughts

Buying insurance online can prove to be an ideal option, however, it might not be the same for everyone. Invest your time to weigh the pros & cons of purchasing car insurance online to check if the online policy is a suitable fit for you. List as many quotes as you can while buying insurance for making a properly informed decision. Insurance is a serious business & it is essential to understand what you are exactly buying.

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