Although it's convenient to receive insurance quotes and even purchase coverage online, it isn't suitable for all persons for all circumstances. There are times when it is best to deal with a "live" insurance agent. Use these three factors to determine whether you should go virtual or physical in your quest for insurance coverage:
The Level of Complication of Your Insurance Needs
Online insurance purchase is only suitable for those who have straightforward needs. Say you have just bought a brand new car, you are neither old nor young, and you want to buy insurance coverage for it. In such a case, you may not lose much by going online, comparing quotes, and buying the most suitable option for your case.
Unfortunately, most people don't have such neat circumstances. Maybe you are old, have a couple of DUIs in your driving/criminal history, and your credit score isn't that great. In such a case, you stand a better chance of getting reasonable rates by dealing with an insurance agent in person.
The Number of Assets You Need To Insurer
Buying insurance online may work if you only have a few assets you need to insure or if you aren't too keen on combining coverage. It may work, for example, if you only need insurance for your car or buy life insurance. It gets complicated, however, if you have two cars, one motorbike, and an apartment, and you need insurance coverage for all of them. In such a case, you need an insurance agent to give each of the items its own evaluation and advise you on what you can do to minimize your insurance costs.
Whether Price is Your Main Consideration
Lastly, the online route may also work if you are just interested in getting the lowest possible quote, and nothing else. Ideally, however, there are many other factors people consider (or should consider) when buying insurance coverage. These include reputation, the level of customer service (for example, how fast do they respond to queries), and the complexity of the claim process are other things to consider. Dealing with an insurance agent will give you a better insight into these and other salient factors.
Hopefully, the above discussions will help you opt for the right route the next time you are buying coverage. Whichever route you choose, you can always contact an insurance carrier, such as United Insurance Agency Inc, directly and ask for clarifications on confusing issues (that may only help you if you know what to ask). The good thing with a physical agent is that they can offer you the clarification without you having to ask.