Buy Insurance Online
Why You Will Save Hard Cash Buying Auto Insurance Online
Every year it pays to get quotes for auto insurance because you can almost always find a better deal than you now have. Of course, you need to make sure that the new insurer rally does offer like-for-like cover compared with your existing insurer.
Once you have decided to get some insurance quotes, the best thing you can do is to go online. You might not be comfortable with the ideas of buying insurance online, especially if you are used to using a broker where you actually know the people. But believe me, going online can save you a lot of money.
Often, you can get better cover as well. For example, you might be able to pay a lower excess, or no excess, for the same premium, or you might be able to get a lower rate for letting your teenage son drive the car.
The other major benefit is that you get a lot of quotes very quickly in one place.
But you might ask: ‘Can’t I do better on the phone?’
It is true that you can get to quite a few insurance companies on the phone, and you can also ask a broker to get you some quotes. That was the best way before the Internet. Even then, you could not rely totally on brokers because several companies deal only directly with customers. And they usually offer competitive rates.
Best to buy auto insurance online
But the fact is that you will do better to buy auto insurance online – on the Internet. But it is not as easy as it sounds so you need a few tips to help. You could type in ‘buy auto insurance online’ at Google, and you will seem to find lots of suitable sites – in fact, you will find about 7.2 million pages listing this term! Well, actually they do not list that term, but they list those words in the first paragraph, but not necessarily in that order.
Even if you get the exact term ‘buy auto insurance online’ you will have to go through a lot of pages to find all the quotes you want. This is what you would have to do if you wanted some specialized forms of insurance, but not for normal auto insurance.
Of course, if you already have a policy you need to get a quote from your existing auto insurance company first. Then, instead of going through all the pages offering auto insurance I recommend that you go to a site that lets you put your information once, and then gets you lots of quotes. You then choose the best one – it may not be the cheapest, but the cheapest that gives you what you need.
About the Author
John Hartley has been writing about cars and the auto industry for many years and you can discover how to compare auto insurance rates and get the best rates at Auto Insurance.
is it wise to buy life insurance online?
Short answer: no
Online quotes are always based on the best rates the company can possibly give you (Super Preffered health status), so they look like they are cheapest company to deal with
It is far easier to deal with an insurance broker who can cut to the chase and tell you exactly what it will cost rather than getting a cheap quote then finding out when it’s approved it will cost you a pile more becuase you aren’t in impecible/abnormally good health.
There may also be a unique situation, that the online application would not look at. For example, if you are a smoker, some companies have ‘stop smoking’ incentives where they refund premiums. The initial quote will be more expensive than the others, but when you quit smoking it ends up being FAR cheaper. Every company underwrites a little different so a broker can assess your situation and find the best company to suit your situation.
Plus cheaper isn’t always better. You might have an opportunity to pay an extra $1 to be with a company that has been around for 100 years, rather than the cheapest who might be a fly by night company that ends up bankrupt in a few years. A broker will know the good companies from the bad.
A good broker doesn’t charge fees for meeting with you, so why not get the free advice from an expert rather than doing it on your own?