Buying Insurance Online: Pros and Cons

buying-insurance-online

The Internet has simplified many processes, and most things can be purchased by simply clicking a button, including your auto policy. Are there benefits to buying insurance online? How about any disadvantages? Knowing the pros and cons of each option can help you decide whether it’s worth picking up the phone to speak to an agent or simply requesting a quote online. Either way, at Infinity we have you covered!

The Advantages of Buying Insurance Online

Filling out an online form is quick and straightforward. All you need to do is respond to a series of questions and hit send. You receive a quote within minutes and can compare the quoted rate and coverages with your current carrier.

There are no middlemen involved in this process, and you can access the content at any time, day or night. Buying insurance online is also convenient because you don’t have to wait for an insurance company’s business hours to request information, it’s available to you 24/7.

Some insurance websites provide live chats to ask questions throughout the quote-request process to provide support should you get lost along the way.

Additionally, once the process is complete and you sign up for a plan, you have access to your documents online instantly. You can save and print them; no need to wait to receive them in the mail.

What Are The Disadvantages?

Younger generations often prefer to complete purchases online without having to rely on a salesperson; however, face-to-face communication is sometimes needed to provide assistance or verify information. Not only that but speaking to an agent could save you time. They’re experts in the subject at hand and know what options may suit you best based on your budget and needs. An online form can’t do that for you.

What’s more, talking with an agent may also save you significant money. There may be discounts you’re not aware of that buying insurance online may not provide you. An agent knows the line of products they’re selling and may offer a bundling option that could benefit you.

Another downside of buying insurance online is that in times of need, it’s always nice to have a familiar voice to help you out. An agent knows you from the moment you request a quote, and they present you with different coverage options. You develop a relationship with them and, if you’re involved in a collision, speaking to your agent feels comforting and reassuring.

Lastly, buying insurance online requires some basic computer knowledge. While Millennials and younger generations are used to surfing the web, older generations may find it difficult to navigate a website and to fill in the information required to receive a quote. If this is the case for you, don’t hesitate to call or visit an agent.

Buying insurance online can be beneficial to some, but it’s not for everyone. It all depends on your preferences and what it is you value when making an important purchase, such as buying auto or home insurance.

Thankfully, Infinity Insurance we can give you the best of both worlds! It’s easy to fill out our online form, and our live chat window lets you ask questions when visiting our website. We also have friendly, licensed agents ready to help you and they’re just a phone call away at 1-800-INFINITY. Either way, we’re confident we’ll help you find the best solution for you.

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