1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    You can easily buy car insurance online and you may save a substantial amount of premium. Rates are usually regulated by the State Department Of Insurance, so an online broker's rates can not be beat!

    As an experienced broker with a top-rated website, we understand how confusing, frustrating and time-consuming it can be to shop for auto insurance online.You will find that claims are handled very efficiently by brokers and Agencies with experience in that field. I base that statement on 32 years of experience.

    Remember...when you purchase online, it's the SAME coverage and benefits you get by going directly to an agent that sells you a policy from that same carrier. The online method is quick and efficient and your paperwork is easy to read and understand. Once again, based on 32 years of experience in the business, I make that statement.

    By shopping, comparing, and researching all of the major insurers, consumers can pay less for their coverage with reputable companies. There are often many other discounts available that can potentially save hundreds of dollars per year.

    When you shop with an experienced broker and their website, you save! Reviewing and comparing benefits helps you find the best policy available in your area. If you prefer working with a local broker, just make certain they are VERY experienced and can shop all of the major carriers for you. Either method will get you competitive pricing.

    Answered on June 10, 2013
  2. 2210 POINTS
    Brenda Hanson
    Vice President/Agent, Best Rates Insurance Inc, Kalispell Montana
    Of course you can buy insurance online but make sure that you are covered properly and that the carrier is allowed to sell in your state. I have seen many clients buy online thinking they have something and then have a loss and find out that they didn't have the coverage they needed.

    A local agent can also quote  you and many times be less then the online quote. I have personally quoted with the same carrier as an online and beat the rates that they had been quoted with better coverage. Also some agencies like our is available 24/7  you always speak to you agent check and see what your coverage's that you selected online and then call and agent to make sure your covered right and a good agent will tell you if the rates is right and the coverage is right
    Answered on June 10, 2013
  3. 7647 POINTS
    Mark Bartlett CLCS
    Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers
    There is no price advantage to buying online as rates are regulated. Often times you are on your own in choosing coverage's and assuming most who purchase on line are not insurance experts I recommend you consult with an agent before making a purchase. Believe me, I have seen declarations pages from those who have purchased on line and it can be scary to say the least.  If you do like to purchase online you also have the fun of dealing with a claim online. For comparisons research online is great. Other then that I suggest you find a local independent agent who can look at multiple companies and advise to the best coverage's and premiums for your needs.
    Answered on June 11, 2013
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