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There are several ways to buy insurance. To purchase online, over the phone, in person or through a broker, directly from an insurance company. Is there an advantage to one method over the other?
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Quote Insurance Online
The answer depends on your preferences and needs. As demographics show the convenience of buying insurance online, the older generation tends to turn to a trusted insurance agent or broker.
How To Get Cheaper Online Auto Insurance Quotes
Let’s compare the pros and cons of using an automated online insurance quote tool versus talking directly to a licensed professional like an agent.
Using an insurance agent or broker is like having your own personal assistant when buying insurance. A broker usually sells to only one insurance company, while a broker represents the insurance products of several insurance companies.
“What is the difference between an insurance company and an insurance broker?” See our article. Learn the difference between agents and brokers. For the purpose of this article, we will focus on insurance agents.
Most people aim to find the policy that has the most value policy at the most affordable rate. Buying insurance through a trusted and experienced agent can help steer you in the right direction.
Obtain A Car Insurance Quote Online
Buying insurance online can be easy compared to talking to an agent in person. It usually takes a short time for a user to go through the quoting process, which includes searching an online quote engine, entering their information for the type of insurance they are looking for, and receiving a quote within minutes.
In terms of personal data protection, all websites that require sensitive information such as social security or credit card numbers must operate over secure socket layer (SSL).
It is a common security technology that creates an encrypted connection between the web server and the user’s browser. There are also federal laws that companies that collect personal information in Canada must comply with (ie the Personal Information Protection and Electronic Documents Act – aka PIPEDA).
Online insurance engines prompt users to enter personal information such as zip code and date of birth. Depending on what environment is being quoted (ie, auto, home, life), the user will need to fill in certain information. For example, a car insurance quote may require the year, make and model of the car, driver’s license number, and information about family members who will be driving the car.
On Line Autoversicherungskonzept Veranschaulicht Durch Ein Bild Auf Hintergrund Lizenzfreie Fotos, Bilder Und Stock Fotografie. Image 70112619
Once the required information is entered and the selection questions are completed, the quote engine algorithm displays several quotes for comparison and selection. User can choose based on cost, price and coverage options. Once the online payment is submitted, the policy is usually official and documents can be printed immediately.
Even though most insurance companies allow you to buy policies online, that doesn’t mean the customer has the knowledge to determine if they are getting a good policy. Even with the ability to compare multiple payment options on one page, an online quote service will never replace a quote from a local insurance agent.
Online quotes are attractive for their convenience, but sometimes convenience comes at a cost. Here are some disadvantages of buying insurance online:
Part of the problem with online quote engines is that they can’t communicate with the departments that run different life insurance companies. They cannot make a personalized request before filing. Just a computer program that generates insurance quotes. Depending on your online system setup, there’s a good chance you’ll get a call somewhere down the line. Often someone will call to confirm the information provided and review the service being called.
Portrait Template Of Car Insurance Online
In this case, we will use life insurance as the product. Answering a few basic health questions online does not guarantee that the quote is accurate, or that it represents the correct personalized risk profile for your health. When you’re dealing with a “guaranteed issue” policy (meaning anyone between the ages of 18 and 65 is accepted without a medical exam), premiums can be higher than what an agent can offer — but an automated system can only do so much. “Guaranteed Issue” is a way for insurance companies to reduce the paperwork involved in issuing a life insurance policy. The downside of the “everyone is accepted without medical exam” concept is that insurers have to increase premiums for all policies. They take more risk by not accessing your medical history, and you pay for that “benefit” with higher premiums.
There is no intuitive understanding of which companies can insure which risks online. For example, some life insurance companies consider smoking to be a risk and you would be classified as a “smoker” risk. As a smoker, all other things being equal, you will pay a higher premium than a non-smoker. Some life insurance companies allow you to smoke occasionally (ie part-time) without being listed as a “smoker”.
A broker can help you navigate the finer points of the underwriting process, making sure you’re properly classified and don’t overpay for insurance.
Insurance brokers are available by phone, email or by stopping by the office during business hours. They’ll know what type of look you’re looking for and start the quoting process by asking a few questions.
Internet Marketing Company: Drivers Can Now Get Car Insurance Quotes For Free And Save Money
They will enter your information into the system and send or email you a copy of the insurance quotes that suit your needs. Because brokers work with many insurance companies, they can give you multiple quotes to compare and advise which one makes the most sense.
A licensed broker should go through each quote and review the pros and cons of each policy. You can ask questions to better understand the information so you can make an informed decision. Once you have selected the policy, it will be effective after the first payment is made.
Because you deal with the same person at an insurance broker, your agent may recognize you. It helps you find the right insurance package for you and lets you know if there are new products on sale that might suit you. Insurance brokers are not only experts in the insurance industry, but they also know how to shop around multiple providers to make sure you get the best price.
Brokers are primarily advocates for you and your insurance needs. If you have an accident or need to use your insurance, your agent will help you file a claim and get through as quickly and smoothly as possible. Additional benefits of working directly with an agent include:
Cheap Car Insurance: Get A Car Insurance Quote
Buying insurance online can be quick and easy compared to going to an in-person dealership. Additional restrictions on purchasing insurance through an agent:
While buying insurance online is often faster, easier, and more convenient, it’s always good to know your options. The main advantage of switching to an insurance agent is choice. Resellers tend to be one-stop shops because they can compare plans and prices from different providers and give you the best unbiased choice — whether it’s the cheapest plan or a product that fits your unique needs.
Also, brokers can find discounts that they might not be able to find on their own. For example, you can save on car insurance if you put on winter tires at a certain time or insure several cars under the same policy. They can also provide quotes for many lines, such as home and auto, and let you know what savings you can get.
With a brokerage, you’ll often deal with the same person to get all the types of insurance you need, which can be easier than dealing with multiple carriers. The broker will advise when it makes more sense to file a claim or pay out of pocket. They will let you know what the claim will do to future insurance premiums and deductibles. If you ask, they will deal with the insurance company on your behalf, saving you time and stress.
Looking For Affordable Car Insurance? Way App Can Be Your Answer!
Choosing an online insurance quote or working directly with a broker involves understanding your unique insurance needs and weighing the pros and cons. Best Buy Insurance is an insurance broker and works with multiple carriers, so you can rest easy knowing you’re getting the best policy at the best price.
You also have a dedicated team of certified representatives and support staff who are always ready to answer your questions and help you through the quoting process and more!
If you’re looking for insurance from a trusted agent, find out that Ontarians have trusted Best Buy Insurance for over 60 years. You can find the best insurance rates online or by calling Best Buy Insurance at 855-967-3571.
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