Some of the best insurance companies operate with an online model where you, the customer, can purchase and manage your policy directly with the carrier. This is known as direct insurance, and if you prefer to be in control then this is one of the best ways to go about getting insurance. If you want to cut out the middle man, then here are some insurance buying tips to follow when looking for direct insurance.
1. Consider the site.
Because purchasing insurance directly from a company is generally done online, you can safely assume that you will be using an online website or portal to access your policy information, your claims, and to make your payments. When you cut out the insurance agent then you are going to be working directly with the carrier, and this means that you want everything to be as simple as possible.
When browsing for companies, consider if the website is well organized. If you need a question answered, how easy is it to find that information? If the site is difficult to navigate and not organized in an intuitive fashion then I can almost guarantee that you will not be happy with the company when it comes time to access your insurance.
2. Consider the service.
Customer service can make all the difference. Because direct insurance is unique from typical insurance plans it is highly unlikely that you will deal with the same insurance representative more than once. In traditional plans you tend to have one insurance agent who will help you with whatever you need. Lacking that, you want to be sure that the customer service provided by the company you pick is to your standards. The best way to determine this before you purchase insurance is to read reviews online.
The best rated insurance companies have stellar customer service and will give you no reason for complaint. When purchasing insurance it is always important to know that you can have confidence in the customer service that will be provided to you.
3. Consider the cost.
Shop around. Compare rates among traditional insurance as well as through insurance that you purchase directly. In some cases you will find that traditional insurance may fit your budget and your needs better! One advantage to direct insurance is that because it is typically managed online, when you request a quote you can often choose to compare it to other similar insurance providers online. This can make it easier to compare and consider the costs between providers than it would be if you had to call multiple agents.
So what is the best insurance company for you? If you can find an easy to navigate site, a company with great customer service, and an affordable plan, then you have found exactly what you were looking for.