You would have to be living under a rock to not notice that the internet has made many of our shopping choices easier or more convenient.
And it’s no different for buying auto insurance online, but before you get sucked into this temptation to click, buy and print, you need to think carefully about what you’re about to purchase.
This isn't because all online auto insurance is bad … it’s not. It’s just that auto insurance isn't like buying a shirt, or a video game online. You have think about what you need first.
How does this choice fit into your financial plan?
Your auto insurance, like all of your insurance, IS part of your financial plan, it’s the foundation. So, before you click that button, and buy auto insurance online, you need to make sure your auto insurance needs are being met.
You've got a mouse, and you know how to use it. OK!
But before you click that mouse and make your purchase, here are a few of the many the things you’ll want to consider:
If you start shopping well ahead of your current policy expiration, you will have the luxury of time. You can get an auto insurance quote online from several sources, and at your pace, you’ll want to use all of the quoting tools the carriers make available to you to adjust coverages and combinations, so you can see how this changes the premiums. You’ll also want to read through all the information to make sure you understand all the auto insurance discounts you may qualify for.
By all means, do not cancel your policy, or allow it to expire before you purchase your new auto insurance policy. That’s a rookie mistake, and could cost your if you have a loss while you’re uninsured.
You are most likely going to see a range of prices when shopping for auto insurance. Progressive did a study and it indicated that same persona could see a range of $400+ when shopping for auto insurance. Since there is such a potential for a big swing in premiums from company-to-company, you need to make sure you’re comparing apples-to-apples, this will avoid a false indication of savings.
Choosing your auto insurance provider is an important decision. From online customer service to prompt and fair claims handling, you need to be comfortable with the company you choose. So pick up the phone and talk to a real live agent before you purchase a policy.
Want to know if you can save on home or auto insurance? See for yourself. Start a quote today.
Call today and speak with a professional insurance agent.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.