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Should I Buy Auto Insurance Online or Go Through an Agent?

General Auto Insurance / Should I Buy Auto Insurance Online or Go Through an Agent?

Choosing the right auto insurance can be an overwhelming task considering the myriad of insurance options available these days. You have the option of buying auto insurance directly from the insurance provider online or getting one through an online agent. However, both these options come with their own set of pros and cons.

Buying auto insurance online - Pros

The biggest advantage of buying auto insurance online is that you can get online assistance 24x7. You don’t have to stick to normal business hours for buying an auto insurance policy online. Similarly, insurance providers offer you the option of reporting claims immediately online. You can request for quotes by filling out a simple form.

You have the option of comparing costs to ensure that you get the best possible coverage that fits your requirements. You can buy insurance policy instantly and make future insurance payments online on time. In addition, you are also eligible for a variety of discounts for purchasing your insurance policy online. The biggest advantage of buying insurance online is that you have the option of visiting insurance comparison websites and obtain quotes of various insurance providers.

Such websites ensure that you get the cheapest possible rates along with quality coverage from the best insurance companies. An interesting feature of such websites is their discussion forum or chat feature that enables online communities to speak out their concerns and seek advice from insurance experts.

Buying auto insurance online - Cons

The downside of buying auto insurance policy online is that you can make hasty decisions and end up with insufficient coverage. Failing to choose the right type of auto insurance may leave you with insufficient coverage in case of collision that may result in extensive property damage claims or serious bodily injuries. With online insurance scams on the rise, there is no foolproof method of ensuring that you are dealing with a genuine insurance provider.

Buying auto insurance through an agent - Pros

The biggest advantage of choosing to buy auto insurance through an agent is that you get more personalized service. Buying through an agent is also a good option for people who prefer face-to-face negotiations. An agent can educate you about auto insurance policies and help you understand the fine print.

An agent can suggest a suitable insurance plan after understanding your specific requirements. Besides, an agent can help you get the best deals on auto insurance especially if you have a clean driving record. And even if you don’t, you can still count on your agent to give you affordable insurance plans.

The agent can file the necessary documentation with the state department of motor vehicles (DMV) on the very day you purchase a policy.

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Buying Auto Insurance: Online or Agent?

Choosing the right auto insurance can be an overwhelming task. You may buy directly from the insurance provider online, or directly from an agent. Each option has pros and cons.

Buying Online

  • Pro: Online assistance 24x7
  • Pro: Immediate claims reporting
  • Con: Potential insufficient coverage

Buying From an Agent

  • Pro: Personalized service
  • Pro: Find your best deal
  • Pro: File with DMV on day of purchase

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