It's well known that there are new ways of buying car insurance, where once you could only get a policy in place by applying over the phone. The basic processes still apply, and you can either go direct to a company yourself or through a broker, but the internet has changed how some people buy their car policies. The first and obvious advantage is that the internet is online 24 hours a day whereas a provider's contact centre may only be open to receive phone calls within certain hours. But beyond this are there any real advantage points to picking up your policy through the world wide web?
Time is a crucial factor because the internet means it's no longer such a long and laborious task to find cover. At one time you could spend a long period ringing around a wide range of insurance companies getting different quotes, but these days a few clicks could see you get a policy sorted on the internet.
Within seconds you can get quotes from a wide number of providers and compare them with regard to cost and features. This is normally done by filling out a few simple details on an online form, such as the kind of car you wish to insure, how old you are, and your driving history. Getting a series of quotes like this is typically free via a car insurance comparison website and you can simply do it all on your own home computer in your own spare time. Wireless and portable internet technology also means there is now the possibility to sort out your car insurance policy from virtually anywhere, from on the bus to a cafe or even potentially from the top of a hill, should you feel inclined.
Many people may feel a little uneasy about passing on personal information over the internet in order to get a quote, but secure connection technology involving encryption is employed by the vast majority of online insurance websites. Also, unless you agree to it, your information will not normally be provided to third parties.
Some companies may also offer discounts to those buying online, as opposed to the price they may charge you for sorting a policy over the telephone. This is because running a service through the internet is typically cheaper for a company than running a telephone centre, so they are happy to incentivise online purchasing to drive custom to the internet.
Once you've got a deal you're happy with, you can normally arrange to have it delivered to you by mail if you wish, and the quote will remain the same if you do this. Some people prefer to finalise through the post, while others may be happy to have confirmation by e-mail. When buying over the internet, it's also important to be honest when answering questions particularly when arranging your quote, and it's also important to be specific as a company may give you discounts based on a good driving history or on safety features on your car.
So overall, buying online means:
- you can compare dozens of quotes in seconds.
- a policy can be arranged any time of the day provided you've got your own internet connection.
- some firms offer policy discounts for people buying online.