Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2020

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Things to Remember...

  • Find out the pros and cons of getting an online insurance quote
  • You can get online quotes from traditional auto insurance companies
  • Each driver has needs are specific to his personal factors and circumstances

There are both benefits and disadvantages to getting online insurance quotes.

Find out how to avoid a scam online by reading the following article.

Then use your zip code to find FREE insurance quotes in your area today.

The Pros of Getting an Online Insurance Quote

There are several positives of getting auto insurance quotes online:

  • Convenience – Shop for car insurance from the privacy of your home
  • Cost effective – Not having offices causes the overhead goes down so the savings are passed on to the consumer
  • Competition – There are many well-known online car insurance companies online as well as some lesser known companies
  • Time-saver – Since many people have internet access readily available and the internet speeds are consistently increasing
  • Compare – By opening multiple tabs or windows, it makes comparing for the best insurance policy for the lowest price easier

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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The Cons of Getting an Online Insurance Quote

While there are many pros for online quotes, some people will find the following negatives:

  • Scams – Like it or not, scams are everywhere. Before purchasing auto insurance with any company or even supplying personal information, be sure to check out a consumer protection agency like the Better Business Bureau
  • Sending personal information through the internet – Some individuals are uncomfortable with the idea of sending confidential information, such as social security numbers or other identifying information through the internet
  • Shady policies – You want to know you are covered before you are in an accident, not after. Some online insurance companies either give the complete runaround or flat out deny a claim after the policy said it was covered
  • Not as personal – When you deal with the same insurance agent for any length of time, the agent tends to get to know you and your driving habits. A computer and online insurance agency cannot offer that
  • Claim-handling time – On average, online auto insurance companies have a longer handle time on claims. Often an insurance adjuster will have to drive from another state and will be overbooked

What about getting a quote online for a traditional insurance company?

Some people like the convenience of receiving an auto insurance quote online for a traditional insurance company.

Once they have decided which company is the best fit for them, they will head down to the local office and purchase the insurance from them.

The convenience of not having to travel all around town is desirable, yet a more personal insurance relationship is present as well.

Turning on a T.V, radio, internet browser, or newspaper will bombard you will plenty of choices for online insurance companies.

Progressive and Geico are two of the bigger and more advertised companies around. SafeAuto and Esurance are two smaller companies available for auto insurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How to Avoid a Scam

With scams being so prevalent, it is essential to be vigilant is protecting your identity from thieves.

There are simple, common sense steps to minimize the chance of either identity theft or an insurance policy that ends up being an invalid, disreputable company.

Multiple companies claim they are the best, but not all are being truthful:

  • All insurance quotes should roughly be the same price. If five quotes are about the same and one is significantly lower, the lowest one is probably not legitimate
  • Scammers tend to prey on drivers with a less-than-desirable driving record. People with a spotty record should be especially cautious when purchasing insurance
  • Ask your friends, neighbors, and family who they use. Most people will willingly share their experiences
  • Check the company out- There are several consumer advocacy groups
  • Avoid temporary coverage as it tends to be greatly overpriced and can be purchased with regular insurance for much less

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

So is an online insurance quote really worth the time and effort?

Online insurance companies have both their good and bad points. No one can really answer that question except you, the consumer.

The biggest factor is what you are comfortable with and the risk you are willing to take.

Some people prefer to have that personal insurance agent relationship, while others would rather not have to interact with anyone.

The most important rule of thumb would be to follow your own intuition. If you are not comfortable with an online insurance company, then do not purchase insurance online.

Likewise, if you do not feel uncomfortable with the idea, then jump in and give it a test drive. You can always change your mind and go back to a traditional insurance company later.

One quick way to compare several insurance rates is by entering your ZIP code into our FREE auto insurance comparison tool!

References:

  1. https://www.bbb.org/
  2. https://www.progressive.com/
  3. https://www.geico.com/
  4. https://www.safeauto.com/
  5. https://www.esurance.com/