Buying insurance online vs. in person

Buying insurance online vs. in personAre you the kind of person who likes to avoid the crowds and shop online? Do you prefer making dinner reservations through your tablet computer or ordering airplane tickets through your airlines’ Web site? Would you rather pick up the phone to make your hotel reservations or order your new living room couch?

These answers are important when you’re shopping for new insurance. Whether you’re purchasing homeowners, life, auto or health insurance, you can shop for and buy policies online. Doing so is quick. But some people still prefer to buy their insurance the traditional way, with meeting an insurance agent face-to-face.

Both methods have their advantages. Consider shopping for insurance online. If you’re strapped for time, you can log onto an insurance-comparison Web site and instantly compare insurance quotes and policy types from the biggest insurance providers across the country. When you find a policy you like at a price you deem fair, you can quickly purchase it.

For others, though, buying insurance directly from an insurance agent is the favored approach. When meeting with insurance agents in person, shoppers can ask the questions that won’t get answered — at least not quickly — from an online insurance provider. Some shoppers simply feel more confident that they’ll receive the best service when they meet with agents in person.

There is a third option, though. Some shoppers prefer to research insurance policies online and then make their actual purchases while meeting with an insurance agent in person. By logging onto an insurance-comparison Web site, consumers can quickly receive live quotes from insurance providers across the nation. Armed with this information, they can then visit a local insurance agent to discuss their options. This results in better-informed consumers who have boosted their odds of finding the right insurance policy for them.

The best news is that no one approach is right or wrong. It’s up to consumers themselves to determine which method of hunting for auto, health, life or homeowners insurance is best for them.

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