The insurance marketplace has changed dramatically over the last couple of decades. Individuals, families, and businesses have bought insurance face-to-face at an office or storefront for a couple of hundred years. The interaction through the quoting, application, and policy issuing process was face-to-face with paper, ink, and a handshake.
Humans have figured out a way to communicate with each other through a device called a telephone and then on to a computer. The lines of the computer and phone have blurred. Now, people talk to each other using emojis. Language and communication have evolved to a level that transmits at the speed of light. Our new society relies on computers and their programming to make decisions based on what someone instructed them to do. These eliminate the human thinking process during the insurance buying experience.
Yes, you can enter some basic information into a computer or phone screen fields, and numbers that look good to you can spit out, but are they accurate? Has the computer checked your driving record, C.L.U.E., credit, car history, and criminal background reports? The online insurance company may not want to pay the cost of running all those reports until you have entered your credit or debit card numbers. Failing to disclose all your tickets and accidents when you fill out the form, the numbers you see on the screen might not be accurate. The actual price of the insurance only shows up after you hit the submit button, and they take the money out of your account.
As an independent insurance agent, our insurance companies require us to check all those reports—many at our cost—before we can give you an accurate quote. Besides getting the correct pricing information, we can advise you better on what coverages you need and eliminate those you don’t. Now, if you are an insurance expert and know the precise limits you should have, then, by all means, save yourself the hassle of consulting with a professional agent and buy directly with confidence.
We do encourage you to check with us first. Sometimes, we can offer you limits better than the standard coverage from an online insurance company for the same price or less. At least, if you do decide to buy directly, you will have taken the opportunity to compare prices and limits. Call us at 503-489-3143 for a quote, or visit our quote request portal here.