As technology continues to improve, the concept of buying life insurance on the Internet is constantly evolving. Five years ago your buying choices on the Internet were pretty much limited to applying with quote sites that essentially acted as your online independent agent and gave you a list of premium rates. There was always the argument that if you knew what product you needed and you didn't want to mess with an agent buy online, but if you weren't sure what you needed, then go to a local agent and let them provide that extra level of service.
The lines have now blurred. Now many of the insurance companies themselves are selling their products directly online to consumers and many agents have gone online themselves. Both have added some of the convenience factors that were normally reserved to the online quote sites. Now many of the quote sites have added extensive educational resources to their websites and have added new dimensions of customer service to offer a little more than just a few emails and an envelope in your mailbox.
The one thing I will say is that if you have a special health condition (e.g. bipolar, high risk profession), then you are still better off finding a local independent agent that is familiar with the underwriting guidelines of the different companies and can find you the best policy. Agents that are connected within the industry can make contact with insurance companies and find out what kind of rate they will offer you given your special health condition and avoid the hassle of you going through the full application process with a number of companies to find out where you can find the best rate. That said if you don't have a quality independent agent in your area, then more and more of the best agents are setting up shop online and offering their services to more than just one area.
Intro to Buying Your Life Insurance Online
Discount Car Insurers - Do they save you Money on Auto Insurance
If you live in the US, you are probably required to purchase auto insurance in order to be a legal driver. The driver's license office, inspection station, etc. will keep requiring you to prove you are insured.
Insurers will always charge different premiums for different drivers. And some people will cost more to insure than other people. But even if your premium is high, you do not have to accept the first quote you hear. You should know that the discount car insurance company is not always the cheapest auto insurer for you!
I had a discount insurance company, and they tripled my premiums after I added a young driver and a used car to my coverage. The company insisted that price was the best one out there, and my own insurance agent could not do better. So should I have stopped shopping?
After a few weeks I got an offer for a quote from a top rated company that is not usually thought of as cheap at all. Because my rates were so high, I decided to take a few moments to get a quote.
I was shocked. That company could offer me discounts that the discount insurer could not. With discounts, my rate dropped two hundred dollars a month!
Think about that two hundred bucks a month. That meant I could save $2,400 a year. Within a few years, I could save enough to buy another car.
How can you find the best deal for you? You should always shop around. Online car insurance quote forms make it fairly easy. You just enter your basic details in a form that takes about 4 minutes to fill out. Then click the GO button, and sit back while top insurers compete for your business.
There is not doubt that some dirvers will have to pay more than others. But there is no reason to pay too much!