Buying insurance online has made getting auto insurance quotes a lot easier. Rate-comparison websites let you see quotes from dozens of companies within minutes.
However; just because it’s easy to get an auto insurance quote online, doesn’t mean you should ignore speaking with a broker. Online quotes have their place, but some shoppers may be better off working face to face or over the phone with a licenced insurance broker. The more complicated your insurance needs, the less likely it is that online quoting will be sufficient or accurate
If you are looking for the absolute minimum coverage for your older or fully-owned vehicle, then an online quote is a fantastic way to see a comparison of quotes from many different companies. As soon as you have a different situation, your online quote may not be accurate and that great price you see on your screen becomes much higher – it’s not your fault though! Not everyone is an insurance broker and that is exactly the reason that you should never consider your online quote to be 100% accurate.
Are you financing or leasing your vehicle? If so, are you aware that you are required to carry full (liability, collision, and comprehensive) coverage? Do you have a family member in the same home with their own insurance? You may qualify for a discount if you are insured with that company too. There are many different factors that go in to creating an insurance quote. If you have spent 30 seconds on a website and received a “too good to be true” price, then chances are it probably is.
Shop smart when buying insurance online!
Rate-comparison sites and direct-to-consumer insurers can still be useful, even for homeowners. It’s a great idea for everyone to shop around to make sure they’re getting a good deal – but it’s important to keep that information in perspective. You can buy the right coverage online, but the key is knowing how much you need – and a broker can help with that.
If you decide to get car insurance quotes online, know that saving on car insurance isn’t always the most important goal. Buying sufficient coverage — which often means buying more than the minimum — is important. Most insurance brokers will recommend liability limits of $2 Million and increased Accident Benefits. You should always have your current policy in front of you when searching online for quotes and make sure that you are looking for comparable coverage – not just the cheapest!
Buying insurance online is a convenient place to find what you are looking for, it is not always the most accurate place… take what you see online with a grain of salt. Your best bet is, and always will be, to talk to a licenced insurance broker, such as the ones at Absolute Insurance Brokers. Give us a call at 1-877-941-2266 or email us and we’ll help you with whatever quote you are looking for!
