There are many shops online and people are very comfortable completing their purchases digitally. The decision may not be complicated when you are buying a household item and you can return it anyway. However, some people may be hesitant when it comes to insuring cars through websites, especially if they need to drive it immediately. The question is would you be comfortable with clicking the buy button after seeing the quotes, coverage and all the terms and conditions. If not, why not?
Recent surveys show that large numbers of motorists check quotes through various websites. But only 33% of them are willing to buy car insurance online entirely without needing any human interaction or confirmation. It is still a very impressive number and it will definitely improve as people get more comfortable with electronic transactions.
Clearly, many people have no problem clicking the buy now button and getting on with driving. Sometimes, it may seem more assuring to talk to a person and double check. However, a human being is more likely to make a mistake than automatic car insurance proposal forms. They will do the job as long as you provide accurate information.
Besides, you have the option of checking what you are buying by getting a quote first. Then, you can check the policy coverage again after it is added to your account or sent to your email almost immediately. Also, you can correct details digitally by yourself on most official auto insurance websites.
Another recent survey suggests that policyholders are getting comfortable with communicating with their car insurers directly through their websites, as opposed to needing to talk to them or their agents. They feel more in control and satisfied with this method. Perhaps, long waiting times when you need to contact any services by phone these days put people off of even trying.
Still, there is nothing wrong with calling the vehicle insurance company and checking that you got everything right. What is important is your peace of mind. There is no need to be shying away from asking questions no matter how silly they sound. There is no shame in asking but not knowing, even worse not caring.
Sometimes calling the firm may offer extra discounts, reassurance or a piece of advice. The best thing to do may be to get a few quotes online. Then, call the cheapest three companies on the list and talk through details of coverage on offer. Don’t hesitate to ask if there are further discounts available right now. Often, they can sweeten the deal further, especially if you are a low-risk driver and ready to commit. But, don’t be surprised if you already have the best price they can offer.
Although it is going down according to recent surveys, just under 50% of motorists still purchase their auto insurance policies through agents. They don’t necessarily communicate with them face to face or hear directly from the agent’s mouth. But there is a presumption that your agent will check the details and make sure everything is in order. Some people may still need that extra comfort. But would you trust your own eyes or someone else’s?
Whatever your preferences, you should always get a few quotes whichever way it suits you. If you like calling the agents, you make sure you call a few of them. In fact, there is nothing stopping you to get a few quotes online and through agents. Then, you would truly get the best of both worlds. It really doesn’t matter how you end up buying as long as you make sure that you are paying a fair automobile insurance premium.
Sources: ey.com