• Skip to main content
Teen Insurance Tips

Teen Insurance Tips

Insurance Tips for Teenage Drivers

Show Search
Hide Search
  • Home
  • Latest
  • Car Insurance
  • Auto Insurance
  • Teen Drivers
  • Contact
  • Privacy
  • Terms

Car Insurance

Pros and Cons of Online Car Insurance

If you’re buying a car insurance online, be sure to shop around and get multiple car insurance quotes to see a good fit for your criteria.

If you’re buying a car insurance online, be sure to shop around and get multiple car insurance quotes to see a good fit for your criteria.

Purchasing car insurance online has become a popular trend these days. If you’re looking to buy an online car insurance, learn the pros and cons of the process.

In this post, we’re going to let you know about the pros and cons of buying online car insurance.

Pros of Purchasing Car Insurance Online

Purchasing Car Insurance Anytime Day or Night

The reason why a lot of people are buying online car insurance is they can buy it any time of the day. Gone are the days when you could purchase a car insurance only during the work hours, i.e, between 9 to 5. The convenience is a huge incentive for many people buying online car insurance.

No Waiting Time for Insurance Documents

When you buy a car insurance online, you won’t have to wait for the insurance documents. Most insurance carriers allow you to download them as soon as you’re done purchasing the insurance policy. However, some car insurance carriers do not offer an ID card at the point of purchase online. To be sure, you can ask your insurance carrier about their process before buying your car insurance online.

Get Answers to Insurance Questions Online

It is important to learn about the car insurance before purchasing a car insurance policy. Conventionally, your car insurance agent can answer your questions and explain the policy in detail. However, these days, you could find answers to virtually any questions you may have about online car insurance, thanks to the Internet. Moreover, most insurance carriers these days have great resources on their website as well.

Potential Savings by Skipping the Middleman

Theoretically, purchasing a car insurance online can be more affordable as there’s no involvement of any agent and insurance carrier doesn’t have to pay any commission.  However, you need to make sure you’re fully aware of the ins and outs of the car insurance policy you’re buying.

According to Amanda Shore, operations analyst for insurance.com call center, it’s always wise to buy a car insurance through an agent since they can explain features to help you buy the best car insurance policy.

Cons or Purchasing Car Insurance Online

Must Call an 800 Number to Speak with a Person

When you’re buying a car insurance, you will likely come up with questions from time to time. So, it’s really handy to have an insurance agent who can answer your questions. However, in online car insurance, you must call 800 number to speak to an agent. Some people may not find it convenient since it’s an automated process and keeps you on hold.

You Need to be Your Own Insurance Expert

Buying a car insurance online can be a hassle for many as you will not have access to personal insurance agent’s expertise.

When you purchase an online car insurance, you’re essentially on your own, meaning you must do your own research online to stay informed about your policy coverage.

While you can call 800 number, you’ll be assigned to a different agent every time, which may not be ideal for people looking for personal agent

Always consider this aspect before buying an online car insurance policy.

No Help Filing a Claim

A personal agent can be of great help at the time of distress, i.e when you need help filing a claim. While filing a claim for loss or damage doesn’t have to be a complicated process, sometimes, it helps to have a personal agent who is can do the job on your behalf.

Must be Computer Savvy

Before purchasing an online car insurance, you need to fill out information for a can insurance quote. This requires familiarity with a computer. If you’re not really computer savvy, it can be a huge hassle for you to do the research and filling out forms and purchasing a car insurance online.

No Home Insurance Offered for Multi-Policy Discount

If you’re a homeowner, you can benefit from multi-policy discounts. However, many online insurance companies don’t usually offer home insurance coverage on multi-policy discounts. If you don’t own a home, it may not affect your rates, but if you’re a homeowner, you’ll probably miss out on multi-policy discounts.

Bottom Line

Insurance is a serious business and you must ensure you understand the policy inside out. If you’re buying a car insurance online, be sure to shop around and get multiple car insurance quotes to see a good fit for your criteria.

Reader Interactions

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

Related Posts

the real deal behind the $19 car insurance ads and what you should really know about them.
Is $19 Car Insurance for Real?
No matter what your circumstances are, always make a priority to pay your auto insurance bills in time and avoid your car insurance from getting lapsed.
Why You Should Never Let Your Car Insurance Lapse
Auto insurance keeps you safe from potential financial liabilities in the event of an accident. Always keep it active.
What is Car Insurance, and Why is It Important?
Careless driving is not the same as Reckless Driving. Careless driving is usually considered lesser evil than reckless driving and therefore, carries lighter penalties.
Got a Careless Driving Ticket? Here’s What You Can Do

Latest Posts

Careless driving isn't a criminal infraction. However, it can carry a hefty penalty and points on your license. Learn how to deal with a careless driving ticket.

Does a Careless Driving Ticket Affect My Car Insurance?

How to add a teenager to your car insurance policy

How to add a teenager to your car insurance policy

How Much Does Your Insurance Go up After Adding a Teenager

How Much Does Your Insurance Go up After Adding a Teenager?

How to Calculate Average Cost of Car Insurance for a Teenager

How to Calculate Average Cost of Car Insurance for a Teenager

© 2023 Teen Insurance Tips · Built on Genesis · Privacy Policy · Sitemap