Should You Purchase Your Car Insurance Online?

Today, you can purchase just about anything for your car online — parts, accessories, gadgets. You can even buy a new car with just a few clicks, so it comes as little surprise that car insurance is now available online, too. Your choice of car insurance is an important decision, one with potentially long-lasting ramifications.

Whether you purchase car insurance online or in person, you want to be certain that your policy provides the coverage you need to feel secure every time you hit the road. This isn’t a decision that should be taken lightly, which is why we’re breaking down the pros and cons of purchasing car insurance online in this article.

The Benefits Of Purchasing Car Insurance Online

It’s not hard to see why many people are purchasing car insurance online. Like most things people buy on the internet, convenience plays a huge factor. But convenience can only take you so far when it comes to protecting one of your most valuable assets: your vehicle. That said, purchasing car insurance online has plenty of positives that should be considered before you decide to go all-in on a policy.

You Can Buy Your Insurance Anytime – Day Or Night

Life can be downright chaotic at times. Whether it’s work, school, taking care of of your children, or any combination of the three, life comes at you quick, and once you’re busy, it can be hard to find the time to take care of things like purchasing car insurance. Unfortunately, when a police officer pulls you over and asks to see proof of insurance, they’re not going to be pleased when you tell them that you haven’t had time to purchase a policy. By purchasing car insurance online, you don’t need to worry about taking too much time out of your day. Online car insurance providers are always open for business, so you can shop policies whenever.

You’ll Get Instant Access To Your Car Insurance Documents

Another neat feature is the ability to print your insurance documents whenever and wherever you want. As long as you remember your login credentials, you’re in business, which means you’re less reliant on an insurance card. Plus, you’ll have access to your policy information at all times.

There Are Aggregators That Help You Compare Options

With so many coverage options available, you’re going to need to do some research before you find the right policy. Fortunately, aggregator websites can hep you compare policies. They typically start by asking you some simple questions (name, address, car make and model, miles, year, etc.) before generating a list of suitable policies. It’s not an exact science, but it should net you a competitive rate, even if it’s not exactly what you’re looking for. If you want to research policies on your own, there’s plenty of information out there to help you make an informed decision.

What Are The Drawbacks To Purchasing Car Insurance Online?

When shopping policies online, you need to take extra care as you’ll be faced with a dizzying number of options. Literally. There are thousands of insurance providers online vying for your business, which can be daunting without an agent on hand to answer your questions and guide you to the right policy for your needs. If that sounds intimidating to you, buying car insurance online might not be the right decision for you

May Feel Overwhelmed If You Don’t Have Prior Insurance Knowledge

Needless to say, there’s not going to be an agent in your living room while you browse through policies on your laptop. Prior insurance knowledge is a tremendous asset when shopping for car insurance online. Most websites have agents that can be reached by phone, but you never know how long it’s going to take to get someone on the line (or if they’re going to be of help). If your issue isn’t resolved the first time and you’re forced to call the helpline again, you’ll have to start the entire process all over again. This can take days whereas a single in-person consultation can match you with a policy in one session.

Online Car Insurance Isn’t As Cheap As You May Think

One of the most frustrating aspects of buying car insurance online is the lack of guaranteed quotes. Online quotes can jump from one day to the next, and you’ll never be entirely certain of the final price until right before you pay. Furthermore, if you chose the wrong policy, you could end up overpaying for insurance that doesn’t do what you need it to do. Keep in mind that policy prices reflect their coverage. You can always keep digging to find a cheaper policy, but that doesn’t mean it will be a good policy. When you work with an agent, they can take your budget into consideration as they explore your options, ensuring that you’re comfortable with your policy’s cost and coverage.

You Might Miss the Option To Bundle Home & Auto Insurance

There are some terrific discounts available for homeowners that bundle home and auto insurance. These multi-policy discounts can help you obtain strong coverage for a great price. This is one luxury that most online insurance companies rarely offer, and it’s one that most people who rely on brick and mortar insurance companies take advantage of. Seriously, multi-policy discounts can save you a pretty penny, and bundling with an agent’s help ensure that all of your most valuable possessions are protected.

Call Talley Insurance Instead

Shopping for car insurance online certainly has its merits, but there’s no denying the fact that a lot of guesswork goes into the process and there’s no guarantee that you’re getting the best price, the best coverage, and the best service. Just as quickly as you can search for car insurance online, you can dial 813-685-9393 to speak directly to an agent from Talley Insurance. Our experienced agents can answer all of your insurance-related questions and provide you with a free quote. By working with more than 25 carriers, we can tailor a policy to your needs and ensure that your vehicle is fully protected.