In today's age of technology, it is extremely inconvenient when a car insurance provider is offline. Online car insurance companies offer their drivers almost instant access to online car insurance quotes, premium costs, policy information, claim requests, and customer service. There are three major disadvantages of having an offline insurance provider. This includes slow communication time with representatives, higher costs, and fewer payment options.
For drivers needing information about their policy, having online access to this information is invaluable. If you have an offline insurance agent, you will need to call the office during business hours, wait on hold until someone can answer your question, and often have to wait for a return phone call. If you need to contact the company after business hours, you could be stuck waiting for hours, which is extremely inconvenient, especially in the event of an accident or another incident where a claim needs to be filed. Drivers not only need access to their policy information and coverage options, but they also need to be able to access proof of insurance, file claims, get new car insurance quotes, check on bills and payments, and ask questions of their representatives. Online car insurance companies offer all this from their secure websites, helping drivers get the information they need quickly and easily. After an accident, there is no time to waste, and an offline insurance company could slow down the claim process.
Because offline insurance companies need to staff their offices and pay their agents commission, your car insurance costs may be higher than if you use an online company. Because these offices require multiple secretaries, agents, and managers, the cost of doing business is significantly higher. Online companies have lower overhead costs, which translates into lower policy costs for you, the driver.
With an offline insurance company, you have fewer options to pay for your policy. Most agents only accept payment via mail, which would be sent in the form of a check. Some will accept credit card information through the mail, but not many. Some offices will also accept payment over the telephone, but this is not always a secure or convenient method of payment. Online car insurance companies offer their customers a variety of payment options, including check, credit card, automatic bank debit, direct deposit via paycheck, PayPal, and more. These options give drivers more flexibility, and offer safe methods to make sure your policy is paid in full.
If you have offline coverage, consider getting car insurance quotes from online providers. The convenience and flexibility of online providers, combined with lower costs, makes these companies extremely appealing to drivers looking to save money without sacrificing service.