Should You Buy Your Car Insurance Online?
When you need to purchase a new auto insurance policy, you have two main choices: purchase it from a local insurance agent or get it online. Here are some things to consider if you want to purchase the policy online.
There is No Waiting Time
The lack of waiting for documents and spending less time shopping for insurance are major benefits of purchasing it online. When you want to learn more about the available policies and shop around for car insurance, you can do it at any time. You don't have to wait around until the insurance office opens on Monday or take time off work just to speak to an insurance agent. There is also no waiting time to receive your insurance card and other documents. As soon as the transaction is complete, you can print out your insurance card and start driving right away.
You Get Immediate Answers to Your Questions
Online insurance companies provide excellent support for any and all questions you have. For example, if you need to ask about SR-22 insurance because you recently got a DUI, then you should be able to use an online chat to speak to someone or go through their list of frequently asked questions. Not only do you get an answer faster than if you were waiting on hold, but all the answers are in one convenient place. Also consider that you can get support any time, day or night, not just during work hours.
You Might Need to Call an 800 Number
While purchasing your car insurance policy online is beneficial in many ways, there may be exceptions to around-the-clock support. For example, some websites will not have a live chat feature as part of their online support, or it will be limited. You might find that some questions need to be asked over the phone. Since the company is online, you can't just walk into the insurance office and ask your questions. You have no choice but to call their 800-number, which can be a little inconvenient if the wait times are long.
You Have to Research Insurance Yourself
Another of the disadvantages of buying car insurance online is the fact that you do much of the research on your own. You will need to browse through their available insurance policies and what they cover before making a decision. If you were to go into an office, you can get personalized service by the insurance professional who will find you a policy that works best for you.