- What questions should I be asking before making the purchase?
- Am I certain about exactly what coverages I need?
- Have I researched the insurance company, and are they legitimate?
- Will the personal information I provide online be secure?
- Will there be real savings in both time and money by making an on-line purchase?
When buying insurance, it is important to be confident about exactly what coverages you need. Since insurance varies widely from state to state, it is necessary to have a knowledgeable resource that understands your individual needs. If you need to file a claim, you want to be certain that the insurance you purchase will protect you. If you make the decision to use an online company that does not personally involve themselves with your insurance needs, you run the risk of being left without coverage. Take the time to ask questions. Additionally, an online insurance company should be asking questions of you, to ensure they are recommending the proper coverage.
Buying insurance online could endanger your personal security. You will be required to fill out long forms providing personal information about you and your family, including social security numbers and personal property information. The forms are sent over the Internet where there is a risk that they may fall into the wrong hands, especially if the online company does not take proper security precautions. Furthermore, how will you verify that the insurance company you select is legitimate? Despite the fact that one must have a license to sell insurance, there is no license required to establish a website that is designed to sell insurance online.
After studying insurance information such as your state insurance regulations, coverages you will require, and the security and legitimacy of an online company, you obviously will not be saving much time in making an online purchase. And, there is no guarantee that you will save money either. It may be convenient for the insurance company since they will not have to meet with you, but they will still need to provide you the proper coverage for the dollar amount of protection you need.
An insurance purchase should take place only after careful consideration, and should not include surprises. The decision to shop online may result in uncertainty about what you really get. Selecting a professional agent to prepare a personal insurance policy is a more reasonable choice. When you work with an independent insurance agent, you receive the benefit of their expertise and their industry knowledge. An independent insurance agent will help you get the protection you need based on your individual requirements, rather than taking a one-size-fits-all approach.