Reasons to Buy Auto Insurance Online

There are many reasons why you should get quotes online rather than the old fashioned cold calling, and here are some of them.

We have helped hundreds of auto insurance buyers find the best car insurance premium for their money. We do everything we can to help you get common and unusual car insurance quotes answered and guide you along the way of finding quality coverage and the cheapest possible price.

Wider range of offerings

If you live in a large metro area then all major players on the market are probably active in your area. Some insurers, however, are mainly active online and barely have an offline presence. However, not everybody lives in downtown Manhattan – a rural area or the suburbs of a big city will probably be covered by a handful of insurers. You won’t have many options to choose from.

However, if you choose to shop online, you will have access to each and every insurer that covers motorists in your state. Every company is literally at a few mouse clicks away, so if you don’t like what a carrier offers then you can always find another deal.

Time convenience

Most offline insurance carriers and independent brokers work standard hours, just like you. If you leave work at 5 pm and it takes you one hour to get home, you won’t probably make it in time – most insurance venues will close at 5 or 6 pm.

The Internet has brought us the joy of shopping from the comfort of our homes or offices at any time of day or night. If you want to get a quote or even buy a policy at 2 am or on your lunch break, then you can easily do it. The whole quoting process is automated, so you can rest assured that you won’t be waking anybody up in the middle of the night.

Ease of cross-comparison

Shopping around is one of the key ways of saving money on your auto insurance. You should compare at least half a dozen quotes before picking your winner, otherwise chances are you will be leaving (lots of) money on the table. A few hundreds of dollars saved each year can turn into a small fortune over the lifetime of a policy.

Better rates

A lot of insurance companies choose to have a weaker offline presence and, in turn, consolidate their online position. This allows them to cut down on some costs – like rent for 10,000 agencies throughout the country, salaries for tens of thousands of agents, utilities or auxiliary personnel – and either focus on research and development or cut down their prices. Esurance and GEICO are good examples of major players with only a few hundred agencies who managed to cut down prices and gain grounds on other competitors.

The competition is harsh in the online world. Since customers have so many ways of comparing offers and getting the best rates, insurers are forced to lower their rates. It’s not out of this world to have an insurance company sell cheaper coverage online than in a brick and mortar store (well, prices of the policy per se will remain constant, but you may be charged some commissions if you buy from the brick and mortar office of the same company). The competition isn’t as high if you go offline, so insurance carriers can afford to charge higher rates.