Buying cheap car insurance online seems like a good idea, but that may not always be the case. And, the reason for that is – auto insurance doesn’t come in a one-size fits all. What may be right for one driver may not be for another. In fact, if you’re searching for cheap car insurance, you may want to consider the limitations before purchasing a policy that may be lacking in coverage or other benefits.
Below are points to think about before jumping on the first cheap car insurance quote you get:
1. Discounts for Bundling
Quite often you may not be able to bundle your various insurance policies if you buy your car insurance online. Obtaining your auto, homeowner’s or renter’s insurance coverage from the same insurer normally earns you a discount on all your policies. When getting an online quote, it’s generally aimed at selling you auto insurance, which is why you may want to discuss your particular needs with an independent agent, who can help you compare and quote you a bundled price.
2. Insuring a Classic Car
If you own a classic car or plan to buy one, you’ll need specialized auto insurance to make certain it’s properly covered…not cheap car insurance. Because classic cars tend to spend most of their time in a garage a good part of the year, you could be entitled to a discount for low miles driven.
3. Uncomfortable Shopping Online
Shopping online can be intimidating if you’re not used to it. In order to find a good deal, you’ll have to spend time searching, comparing quotes, and filling out form after form with your information as you click away. Should that sound like something you’d rather avoid, then find a local independent agent and schedule a meeting.
4. Unsure How Much Coverage You Need
Searching for online car insurance quotes is an excellent way for drivers who know exactly what they want or need to purchase a policy, but it may not be for you, if you’re in the dark about how much is the right amount. That’s when you’ll be much better off contacting an independent agent to discuss your needs.
5. Additional Discounts
There are definite advantages to dealing with an agent rather than surfing the internet for low cost auto insurance that may not offer the discounts you might otherwise be eligible for. Some of these discounts can include: taking a defensive driving class, lower rates for short commutes, good grades discount for your teenage driver.
6. Ease of Making a Claim
Filing an insurance claim following an accident can be complicated. Having a nearby claims center and an agent you’re already acquainted with can make the process a lot smoother and less stressful. Your agent can also explain if your claim will lead to higher premiums.
So, while shopping for cheap car insurance online works for some drivers, it may not be for everyone. That’s why; before you set out on your search, think about your needs, discounts you may be eligible for, and how much coverage you’re able to afford. Then, you can make the proper decision.
Another good decision is making sure you’re getting the best rate on your auto insurance. Why not get a free auto insurance quote today?
Do you prefer to do your insurance shopping online or would you rather have an agent? Feel free to share your thoughts in the comments section below.