{"id":981,"date":"2016-11-27T14:05:06","date_gmt":"2016-11-27T14:05:06","guid":{"rendered":"http:\/\/carinsurancejunkie.com\/?p=23"},"modified":"2022-12-16T10:50:39","modified_gmt":"2022-12-16T10:50:39","slug":"pros-cons-online-car-insurance","status":"publish","type":"post","link":"https:\/\/teeninsurancetips.com\/pros-cons-online-car-insurance\/","title":{"rendered":"Pros and Cons of Online Car Insurance"},"content":{"rendered":"<p>Purchasing car insurance online has become a popular trend these days. If you\u2019re looking to buy an <strong>online car insurance<\/strong>, learn the pros and cons of the process.<\/p>\n<p>In this post, we\u2019re going to let you know about the pros and cons of <strong>buying online car insurance<\/strong>.<\/p>\n<h2><strong>Pros of Purchasing Car Insurance Online<\/strong><\/h2>\n<h2>Purchasing Car Insurance Anytime Day or Night<\/h2>\n<p>The reason why a lot of people are buying online car insurance is they can buy it any time of the day. Gone are the days when you could <strong>purchase a car insurance<\/strong> only during the work hours, i.e, between 9 to 5. The convenience is a huge incentive for many people buying online car insurance.<\/p>\n<h2>No Waiting Time for Insurance Documents<\/h2>\n<p>When you <strong>buy a car insurance online<\/strong>, you won\u2019t have to wait for the insurance documents. Most insurance carriers allow you to download them as soon as you\u2019re done purchasing the insurance policy. However, some car insurance carriers do not offer an ID card at the point of purchase online. To be sure, you can ask your insurance carrier about their process before buying your car insurance online.<\/p>\n<h2>Get Answers to Insurance Questions Online<\/h2>\n<p>It is important to learn about the car insurance before purchasing a car insurance policy. Conventionally, your car insurance agent can answer your questions and <strong>explain the policy in detail<\/strong>. However, these days, you could find answers to virtually any questions you may have about online car insurance, thanks to the Internet. Moreover, most insurance carriers these days have great resources on their website as well.<\/p>\n<h2>Potential Savings by Skipping the Middleman<\/h2>\n<p>Theoretically, <strong>purchasing a car insurance online<\/strong> can be more affordable as there\u2019s no involvement of any agent and insurance carrier doesn\u2019t have to pay any commission. \u00a0However, you need to make sure you\u2019re fully aware of the ins and outs of the car insurance policy you\u2019re buying.<\/p>\n<p>According to Amanda Shore, operations analyst for insurance.com call center, it\u2019s always wise to <a href=\"https:\/\/www.msn.com\/en-us\/money\/autoinsurance\/12-things-your-auto-insurance-agent-knows-that-you-dont\/ar-BB7QdgM\">buy a car insurance through an agent<\/a> since they can explain features to help you buy the best car insurance policy.<\/p>\n<h2>Cons or Purchasing Car Insurance Online<\/h2>\n<h2>Must Call an 800 Number to Speak with a Person<\/h2>\n<p>When you\u2019re buying a car insurance, you will likely come up with questions from time to time. So, it\u2019s really handy to have an insurance agent who can answer your questions. However, in online car insurance, you must call 800 number to speak to an agent. Some people may not find it convenient since it\u2019s an automated process and keeps you on hold.<\/p>\n<h2>You Need to be Your Own Insurance Expert<\/h2>\n<p>Buying a car insurance online can be a hassle for many as you will not have access to personal insurance agent\u2019s expertise.<\/p>\n<p>When you purchase an online car insurance, you\u2019re essentially on your own, meaning you must do your own research online to stay informed about your policy coverage.<\/p>\n<p>While you can call 800 number, you\u2019ll be assigned to a different agent every time, which may not be ideal for people looking for personal agent<\/p>\n<p>Always consider this aspect before buying an online car insurance policy.<\/p>\n<h2>No Help Filing a Claim<\/h2>\n<p>A personal agent can be of great help at the time of distress, i.e when you need help filing a claim. While filing a claim for loss or damage doesn\u2019t have to be a complicated process, sometimes, it helps to have a personal agent who is can do the job on your behalf.<\/p>\n<h2>Must be Computer Savvy<\/h2>\n<p>Before purchasing an online car insurance, you need to fill out information for a <strong>can insurance quote<\/strong>. This requires familiarity with a computer. If you\u2019re not really computer savvy, it can be a huge hassle for you to do the research and filling out forms and purchasing a car insurance online.<\/p>\n<h2>No Home Insurance Offered for Multi-Policy Discount<\/h2>\n<p>If you\u2019re a homeowner, you can benefit from <strong>multi-policy discounts<\/strong>. However, many online insurance companies don\u2019t usually offer home insurance coverage on multi-policy discounts. If you don\u2019t own a home, it may not affect your rates, but if you\u2019re a homeowner, you\u2019ll probably miss out on multi-policy discounts.<\/p>\n<p><strong>Bottom Line<\/strong><\/p>\n<p>Insurance is a serious business and you must ensure you understand the policy inside out. If you\u2019re buying a car insurance online, be sure to shop around and get multiple <strong>car insurance quotes<\/strong> to see a good fit for your criteria.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re buying a car insurance online, be sure to shop around and get multiple car insurance quotes to see a good fit for your criteria. <\/p>\n","protected":false},"author":1,"featured_media":1718,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","iawp_total_views":0,"footnotes":""},"categories":[7],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pros and Cons of Online Car Insurance - 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