The pandemic was a great force in moving life online and shifting our reliance to the internet for purchasing daily necessities while sitting in front of a computer screen. Out of milk? No need to get in your car and drive to the grocery store. Go online, put it in your virtual shopping cart, and have it delivered to your doorstep. Nowadays you can purchase anything online with the push of a button, including insurance. Whether it be home, auto, health, or life, the online insurance market is growing. But should you buy insurance online?
Although modern digital technology has propelled us into a world of ultra-convenience, can you trust that the items or services you are purchasing online are the best option? Are the quality, value, and price better or worse than if you shopped for it in person or picked up the phone and talked with an individual?
So the question is… Is it safe to purchase an insurance policy online?
Just as with everything in life, there are pros and cons.
The overwhelming pro is convenience. It takes less time to input your information and receive a quote than to speak to an agent. You control the process; you can start and finish on your own time.
When buying insurance online, you want to make sure you are working with legitimate companies. Research the company first. Also, make sure their site is secure (there will be an https in the site address) since you will be providing sensitive information such as your birth date, social security number, phone number, and home address. With cybercrimes and data leaks a constant threat, your personal information may be at risk online.
A downfall to purchasing insurance online is the lack of interaction with an insurance professional to directly ask questions and explain what you do not understand. The absence of dialogue also hampers the ability to inquire about pricing structures and savings or discounts. Are you answering the questions correctly?
When you buy insurance online, you get a policy, period.
When you work with an agent, such as those at Charles Leach Agency, you get so much more: a professional agent with experience and knowledge of all the choices available and someone who can help meet your unique needs. Although this process may seem a little less convenient, it can take less time and give you more options. You are communicating with a person who can give you answers immediately and help you choose the correct insurance product.
Rather than sitting in front of a screen and being prompted by a flashing cursor, you can build a trusting relationship with an individual agent. Charles Leach is a full-service agency that represents many insurance companies. Our agents provide timely information and education to help you understand all your insurance options and at the best possible prices. We pride ourselves in being your personal insurance shopper. Contact us at 1-888-275-3224 for personalized service.