Advantages and Disadvantages Of Buying Auto Insurance Online

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You may be thinking of buying insurance online because of convenience, right? but I’m going to give you some tips about that. I’m gonna break that down for you, and help you think through that a little bit.

What are some of the advantages?

One is reduced pressure, if you really don’t like to talk to people, want to text, want to fill out something, and just get a price. Well, that’s something you can do if you really don’t want to talk to someone. Another thing is the convenience of shopping, you can do whatever you want to, from the recliner at your house, while you’re watching whatever TV show or while you’re in the bed, trying to go to sleep staring at your cell phone, whatever it is, it is convenient. Another thing is going to be a convenient purchase experience like you can purchase it while you’re doing it from the comfort of your chair at home, during lunch break. That’s some of the advantages of it.

What are the disadvantages?

One of them is potential gaps in your policy because you’re going through this internet experience, you know, you’re up potentially leaving yourself wide open. Insurance is incredibly complicated, I’ve been in the insurance business for 29 years, and I’ve gone through several different insurance schools trying to understand it, and to be able to educate people about it, I promise you that just reading an article that’s 1000 words long, you have not learned enough about insurance to be able to make a well-informed decision. Now, I’m not saying anything about your intelligence, what I am saying is, it’s very complicated, and you need to find a professional that can help you and they can understand what your needs are, and then explain that to you.

The second thing is gonna be an inaccurate quote, it’s the rating process, it’s just not that simple. You can’t just say, I got this car, and here’s my rate. It’s a lot more complicated than that, there are a lot of questions that we need to ask and a lot of information we need to input to find out what your correct rate is. When you enter information in, it’s probably going to come back and not give you an accurate quote, I’m willing to bet you 75% of the time, that number that they spit out is just not going to be right. Eventually, you’re going to have to talk to a live person to get a formalized number and then that number is going to change.

Unfortunately, another thing is that you’re not confident in what you’re buying, like you’re guessing you’re buying the right thing, or you’re assuming you’re buying the right thing. Whereas if you’re working with a professional insurance agent, you can check and see that they got good reviews, then you can know you’re buying with confidence, you can feel good about the thing that you’re buying. For Reed Insurance, that’s one of our four competencies or promises. We want to make sure you understand what you’re buying so that you feel good about that purchase because you’re spending a lot of money on this easily 1000 plus dollars every year.

Another thing is that you don’t have an agent to contact if you have some sort of a claim problem or billing question or something like that, who you’re going to call, there’s nobody there. You can call somebody in a cubicle that doesn’t even know who you are. They will not care and they’re not going to take the proper time to take care of you like an independent agent.

Mistakes You Need To Avoid When Buying Auto Insurance

When buying auto insurance, it’s important to know what pitfalls you can avoid. We’ve compiled the top 10 most common mistakes that people usually make but are unaware of it.

Can an Independent Insurance agent make the process pain-free?

YES, They don’t have to ask you 1000 questions to figure out what it is. But there are certain questions that they need to ask. The only reason they’re doing that is that they want to make sure they get you the best insurance company for the best rates.

They want to make sure that you’re applying all the discounts that you deserve. They want to make sure you understand what you’re buying. By not having that and having that convenience, you may miss out on that. But really, they’re not going to make it overly complicated. A lot of insurance companies like us, have a web form you can go fill in some information and then we can either email, text, or call you whatever you prefer to fill in the rest of the information on your timetable. So we can make it easy for you.

Fast quote turnaround times are less than two days, most insurance agents can do that and many of them can do it a lot faster than that, typically within half a day. We strive at our agency to try to have the quote back to you within half a day. Now, obviously, everybody gets busy sometimes, right? You know, like Mondays are crazy busy typically for most agents, they may have to push it back a little bit. If you’ve talked to an agent and asked them, when will they get to get back to you, and if they can’t tell you the times, maybe you need to just look for the next agent, right?

These are some different things that may help you to understand the differences between the advantages and the disadvantages. At the end of the day, my advice to you is, you deserve better. Talk to an independent agent. Let them help you to make sure that you’re buying the right coverage for you because if you end up with a claim, that’s not covered, it’s gonna cost you a lot of money and you don’t need that sort of heartache in your life.

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Thank you,

Beaux Pilgrim, CEO

Dave Ramsey Endorsed


Beaux Pilgrim
Reed Insurance

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