You are smart to begin your search for insurance online. It is, after all, faster and more convenient than contacting insurance companies on your own. Unfortunately, It can also be the reason you are under served by your policy. The key to getting an online car insurance quote is knowing what you are looking for and where to look for it. Too many drivers find out too late that the policies they built online, feature very different protection than they thought they had. Don’t be left in the dark when it comes to your car insurance. Continue reading to find out four things an online car insurance quote cannot tell you and the one thing you can do to fix it.
You Aren’t Buying Enough Coverage
This one is the most dangerous and also one of the most common mistakes people make when comparing car insurance quotes online. Insurers know that drivers are not insurance experts and that they are looking for the best value possible. All too often, online shoppers are enticed by lower premiums in exchange for proper coverage.
While lower coverage does save them money, it leaves many with insufficient coverage that doesn’t fit their needs. Coverage that meets Arizona minimum requirements is not nearly enough to protect you from a major lawsuit after an accident.
You Aren’t Buying the Right Kind of Coverage
You have an idea of how your insurance company will pay for your claims, but this is an area where details matter. While all insurers provide coverage for qualified claims, there is a lot of wiggle room in how they do it. For example, if your vehicle is damaged in an accident, would you prefer original equipment manufacturer (OEM) parts, or would after-market parts be an acceptable substitute? Unless you have OEM parts endorsement, your coverage might come up short on your preferences. This is just one example of where not understanding the details could leave you disappointed when it comes time to make a claim.
Your Insurance Company Is Unreliable
Many insurance companies are licensed and regulated in the State of Arizona. Only some of them carry the reputation you want in a coverage provider. When the time comes to file a claim, you need to know that your insurance company will come through for you without a lot of red tape and special hoops to jump through. It also helps to have a trusted agent in your corner to help you along the way.
You Could Get Better Quotes Without Sacrificing Your Coverage
Even the savviest insurance shoppers may overlook significant savings when shopping for coverage on the Internet. As a smart driver, you know you should never sacrifice coverage for the sake of price; but why leave savings on the table if you can keep your same level of protection? Often time, an online quote leaves out substantial discounts you may qualify for, such as multi-policy discounts, good student discounts, or discounts for completing a safe driver course. Again, having an agent help you during the quoting process.
Talk to an Independent Agent – Your One-Step Solution
The Internet can be a powerful and convenient place to start your search, but it can also create an opportunity to make big mistakes on your coverage. Instead of putting your future at risk, consider working with an independent agent to shop for and compare coverage. You can still request quotes online directly from an independent agent’s website and then follow-up with your agent to ensure you are selecting enough of the right kind of coverage from a reputable company that offers competitive rates.
For more information about Arizona car insurance or to request your online car insurance quote, visit our website today.