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Online V OfflineTraditional Car Insurance Shopping All that changed in the late 80s when insurers such as Direct Line started to offer car insurance quotations and service over the phone with no middle man. The rise of such direct insurers led to lower premiums as the market became more competitive. It also led to an increase in phone bills as they spent hours ringing various insurance firms and waiting on hold. What’s worse, the practicality of getting cheaper car insurance over the phone left a lot of folks with a stiff neck. |
| In today’s market, you can still visit the local insurance broker’s office, but you can just as easily search for competitive car insurance quotes from your home or office. Though car insurance brokers are there to provide you with expert advice on policies and assist you in getting the best car coverage for your pound, the compromise is that offline insurers are sometimes more expensive because they have higher overheads due to an increased number of staff, larger premises and associated running costs. |
| Online Car Insurance Shopping Today, thanks to the ever-expanding internet, shopping for inexpensive car insurance is easy. You can search for the coverage you need, submit details to multiple organisations whenever and wherever you like with the click of a button – and what’s more, you can save yourself the pain in the neck. |
| The boom in online car insurance provision includes new companies offering bespoke insurance coverage to specific groups drivers and different types of automobiles, as well as traditional car insurance providers who have simply shifted their ordinary coverage into the online market. Offering insurance online is generally cheaper for companies, which means they are able to pass the savings on to you as a consumer. |
Online insurance providers are able to offer virtually instant quotations – if you’re using a tabulated browser such as Firefox, you’re able to submit multiple quotes almost simultaneously and flick between them easily to compare in a matter of minutes. Contrary to a lot of media coverage on the subject, almost all of the online insurance companies have alternative contact details, so you can call to confirm details of the quote before option to take up the coverage on offer. Most of the sites encourage customers to ring with any queries and offer national rate or free phone numbers for that purpose. Additionally, most online insurance companies will provide you with a hard copy of your quotation by post. |
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Churchill
Direct Line
Lloyds TSB
Norwich Union
Screen Trade
The AA
