Internet Versus Agents

Opt for The Best - Agent or InternetAfter the existence of internet, many of the car insurance companies have made services available online itself. Many of the auto insurance companies render quotes online and also provide the opportunity to buy the policy online. For the website back up, well experienced agents or highly trained staff is not required. In the website itself you will be given conveniences of shopping online car insurance and for further queries agents will help. You can ask agents any queries and clear your doubts. The advantage of dealing directly with the agent is your auto insurance needs will be handled directly by the actual person, so you will have that satisfaction.

If you have a bad driving record or if you are not clear how much deductible to choose, then only a qualified agent can give you advice. The agent might suggest you to join some safety related driving courses so that your premium gets lowered and based on the income of the insurer and the driving history your agent will recommend how much deductible to select. The main advantage speaking to the agent is, you will be speaking directly with the person and the level of trust with the agent will establish a good relationship. Maintaining good relation with the agent means he will take extra care in notifying any changes which would affect your insurance plan, handles all your claims personally and see’s to that you get best rates.

The Use of Internet

Now with the advantage of internet you can take immediate decisions without waiting for any ones opinion. You will get immediate feedback and quotes, you can claim files online, get print out of  your id card and can also check claim status of your vehicle. You can chat with the agent live to know the offers and to access forms.

Myths Versus Truths of Comparing Insurance Quotes

Ward Off The MythsLet’s face it: Comparing insurance quotes isn’t something many of us do every day. So when it’s time to buy car insurance for your new car or because you need to make changes to your coverage and want to see if there’s a better deal out there than your current auto insurance company offers, it’s good to know what’s true and what’s not about comparing insurance quotes. Read on to find out the truth behind the following statements:

All major insurance companies offer more or less the same rates and coverage, so comparing insurance is a waste of time. This is a myth. Though the major insurance companies offer the same types of coverage and terms and conditions, special offers and discounts vary, so it’s always a good idea to shop around before you buy car insurance.

You get the best deals through the insurance company itself. This is a myth. A lot of insurance companies offer low rates online, but often, they offer even lower rates through online comparison sites like AgentInsure.

If I buy insurance online, I can’t ask any questions about my policy.This is a myth, as all insurance quotes contain the phone number of an insurance agent who is trained to answer your questions.

An insurance quote is not binding. This is true. Quotes are an estimate of the rates you’d pay for a policy that meets your requirements and aren’t legally binding.

My credit score affects my car insurance rates. This is true; in all but three states, insurers consider your credit score when determining rates.