As auto insurance companies stretch their wings out into cyber space a number of them have opened up the option of obtaining a preliminary quote from their website. The pros and cons of this practice have left many people asking the question, �Should you get an auto insurance quote online?�
Pros of Online auto insurance
1. You can visit any number of sites and obtain a quote without being pressured to buy. The fact is, auto insurance salesmen are almost as slick as used car salesmen. They can have you talked into a policy and signed on the dotted line before you know what hit you-and long before you’ve had a chance to shop around.
2. It’s easy. The prospect of not having to get dressed and go pound the pavement to find an auto insurance company they can trust is enough to inspire many people to get online! Not to mention the fact that when you shop online you don’t have to present anyone with any of the multitudes of paperwork that might be demanded by another insurance company. All you have to do is fill in the blanks and poof! You’ve got your quote in hand.
3. It’s fast. Even when you call an insurance company for a quote you’re going to spend anywhere from ten to thirty minutes sitting on hold while you wait for a representative and they check their facts. When you shop online there is no wait, no line and no hold-up. As soon as you’ve answered their questions you have their quote-no exceptions.
Cons of Online Auto Insurance
1. The preliminary quote isn’t always accurate. The questionnaire isn’t going to be able to access your driving record to make sure you’re telling the truth. That won’t happen until you’ve already elected to purchase a policy, at which point it’s too late.
2. You don’t have the opportunity to ask many questions. If you aren’t familiar with purchasing auto insurance and you need someone to help guide you through the process you might be better off working with a live advisor. Obtaining a quote online assumes a basic level of knowledge when it comes to the terms of your policy. If you don’t have that knowledge you may feel like you’re trying to read the questions in Swahili.
3. You may not get all of the deductions that you’re entitled to. Many times auto insurance companies will only put their basic deductions on their website, leaving you clueless about some of the ways you could really be saving money.
The Facts of affordable auto insurance
The fact of the matter is that there are a number of pros and cons to shopping for an auto insurance quote online. In order to find the policy that best suits your needs and your budget, particularly if you are new to the auto insurance arena, you should start your search with a visit to a knowledgeable insurance salesman who can help you determine the limits you want for your coverage. Once you have those numbers in hand you can go online and find the company that can give you what you want at the best price.
