Online Insurance or a Local Auto Insurance Agent - Which One Should You Choose?
Auto insurance is undoubtedly very expensive but it is an unavoidable cost.
The question is whether you should get it online (the ads you are blitzed with are certainly very attractive) or you should depend on your local insurance agent.
This is actually a very important question; you'll be glad to have the right insurance in case you ever get into an accident and need to make a claim.
Let's start with online insurance.
It is certainly very easy to get it and the convenience of shopping for it at any time of the day is really good.
The discounts advertised are also quite good.
However, you'll quickly find that the picture isn't quite as rosy as that.
Most online insurers offer slashed rates only after cutting back on service and policy cover.
You might find out to your dismay that certain important features are missing from the insurance cover.
It is very important to remember that insurance is offered based upon certain factors such as your driving record, age of the car and also, surprisingly, on your credit score.
Once you enter the relevant details into an online form you will see very quickly that you cannot get the fancy discount being advertised.
Many people are now realizing that a local auto insurance agent will be the preferred insurance provider.
An experienced agent will be able to offer you the right policy after understanding your requirements very clearly.
In fact, this person will do a lot of homework to get you the best possible deal.
In any case, it is wrong to assume that local agents do not offer good discounts.
In fact, there are bound to be auto insurance discounters who offer tremendously attractive rates.
As you build a relationship with this agent you will have to do no work at all to get fantastic rates and service not just for car insurance but for other covers as well.
There is another advantage of getting your insurance from an agent.
This person will have good knowledge of the various auto repair shops in your area and will be able to help you get a good deal there as well.
Since you'll have to spend a great deal of money studying the terms and conditions of an online insurance policy, you'll find that it is not really very convenient.
Now that you have the facts at your disposal, you'll be able to get the best possible auto insurance cover.
The question is whether you should get it online (the ads you are blitzed with are certainly very attractive) or you should depend on your local insurance agent.
This is actually a very important question; you'll be glad to have the right insurance in case you ever get into an accident and need to make a claim.
Let's start with online insurance.
It is certainly very easy to get it and the convenience of shopping for it at any time of the day is really good.
The discounts advertised are also quite good.
However, you'll quickly find that the picture isn't quite as rosy as that.
Most online insurers offer slashed rates only after cutting back on service and policy cover.
You might find out to your dismay that certain important features are missing from the insurance cover.
It is very important to remember that insurance is offered based upon certain factors such as your driving record, age of the car and also, surprisingly, on your credit score.
Once you enter the relevant details into an online form you will see very quickly that you cannot get the fancy discount being advertised.
Many people are now realizing that a local auto insurance agent will be the preferred insurance provider.
An experienced agent will be able to offer you the right policy after understanding your requirements very clearly.
In fact, this person will do a lot of homework to get you the best possible deal.
In any case, it is wrong to assume that local agents do not offer good discounts.
In fact, there are bound to be auto insurance discounters who offer tremendously attractive rates.
As you build a relationship with this agent you will have to do no work at all to get fantastic rates and service not just for car insurance but for other covers as well.
There is another advantage of getting your insurance from an agent.
This person will have good knowledge of the various auto repair shops in your area and will be able to help you get a good deal there as well.
Since you'll have to spend a great deal of money studying the terms and conditions of an online insurance policy, you'll find that it is not really very convenient.
Now that you have the facts at your disposal, you'll be able to get the best possible auto insurance cover.
