From an agent’s perspective, how advantageous is it to go online and get an instant quote? Is it a waste of time because you’ll have to talk to someone eventually? Odds are, if you purchase your policy online you’ll more than likely get less coverage than you currently carry and at essentially the same cost.
If you’re just going online to get an idea of what you might be paying for insurance, you might be wasting your time. If you have great credit and a clean driving history, the numbers are going to be pretty close. One question answered inaccurately can make the quotes hundreds of dollars less or more than what your actual rate will be. Nine times out of ten you can plan on the quote not being that great rate that was advertised the first time. Many companies’ sites and agents’ initial quotes will include various discounts that you may not even qualify for. They may also quote you with the best possible insurance score.
The best argument for going online to get an insurance quote is that the agent will already have your information keyed in correctly, rather than having to triple confirm Vin numbers over the phone. It’s my opinion that if you plan to get a quote online and care about the policy you’re getting, you’ll need to talk to a real person at least once before purchasing. The question you should always ask is this: “Is this a firm quote?” The word “firm” means that the agent has done the best they could to accurately quote the client. Once the “firm” policy is submitted, underwriting will have the final say, so the official price is out of the agent’s hand once underwriting starts evaluating the risk.
If your policy is about to be renewed or you are looking to buy insurance, let the Leinweber Insurance Agency be your first stop. We represent multiple companies which allows us to find a company that’s right for you. If you’re a resident of Denver, Thornton, or Firestone, give us a call and we’ll be happy to give you quote.
