Insurance Buying: Online vs. With an Agent

Insurance Buying: Online vs. With an Agent

March 26, 2024

Deciding whether to purchase insurance online or through an agent depends on your preferences, needs, and comfort level with technology. Here are some factors to consider when making this decision:

  1. Convenience: Buying insurance online can be convenient, especially if you prefer a self-service approach and want to research and purchase policies at your own pace, without the need to schedule appointments or meet with an agent in person. However, if you prefer personalized guidance and assistance throughout the process, working with an agent may be more convenient.

  2. Information and Education: Agents can provide valuable information and guidance tailored to your specific needs. They can explain complex insurance concepts, help you understand policy options, and recommend coverage that best suits your situation. If you value this personalized advice, working with an agent may be beneficial.

  3. Comparing Options: Online platforms often allow you to compare multiple insurance quotes from different providers quickly and easily. This can help you find competitive rates and coverage options without the need to contact individual insurers or agents separately. However, agents may have access to additional products or discounts that are not available online.

  4. Customer Service: Consider the level of customer service offered by online platforms versus working with an agent. While online platforms may offer customer support via chat, email, or phone, the level of assistance may vary. Agents can provide personalized customer service and advocate on your behalf in case of claims or policy-related issues.

  5. Complexity of Needs: If you have unique insurance needs, such as specialized coverage requirements or a complex financial situation, working with an agent who can provide tailored advice and solutions may be more beneficial than purchasing insurance online.

  6. Trust and Relationship: Building a relationship with an insurance agent can foster trust and confidence in your insurance decisions. Agents can provide ongoing support, review your coverage periodically to ensure it meets your evolving needs, and assist with policy adjustments or claims.

Ultimately, the decision to buy insurance online or through an agent depends on your preferences, comfort level, and the level of guidance and assistance you require. Whether you choose to purchase insurance online or through an agent, it's essential to thoroughly research your options, compare quotes, and select coverage that provides adequate protection for your needs. Let our agents at Morris Insurance take the burden of research off of your hands, and give us a call today at our Westminster or Brooklyn Park office.