When a person wants to buy insurance online, many things come into context, the main one being privacy. Most people fear the internet because they think that their information will be lost or shared with people who have an ulterior motive, such as identity thieves. Buying insurance online is not unsafe or risky anymore. The insurance companies have a strong online presence and will provide you with more information or offer to prove that they are not fake companies.
When one goes on the internet, they are likely to find around three types of websites concerned with insurance:
1. Agency sites – This is a business that hosts many carriers of insurance. It does not have any direct relationship with any of the carrier companies it hosts. Here, you are free to check out the various carriers and compare quotes from each, on the kind of insurance policy in which you have an interest in.
2. Lead generator cites – The main occupation of such companies is to sell your information to the various carriers of insurance or insurance agencies. However, they are often confused with the agency sites, as they also host many carriers on their site.
3. Carrier sites – This is the insurance company itself. From such sites, there is no variety. One can only browse and buy the insurance policies that are specific to the particular carrier.
A notable point is that one should only share their personal details with the agency or carrier sites.
The best sites one should visit are the agency sites. This is because they offer a wider variety of insurance products from many insurance companies. If you want to find out whether the site you have visited is a bona-fide agency site, look out for the following:
“About us” page – This part will explain to you who they are and what their involvement is when it comes to insurance.
“Meet the staff” page – The Company may put up information and pictures about their employees, because they would like you to know as much as possible about them without actually having to go there.
License information – The agency site must be licensed in the country that you live. It is also mandatory for them to put up the license information on the site for you to see.
Contact information – Here, you will learn how to contact the company. They may have a live chat or a telephone number for you to call; sometimes, toll-free. They may also have other avenues for direct communication.
The aim of these components is to bring the company as close to you as possible and to provide you with the insurance service that you need no matter where you may be in the world. You should always remember to read the fine print so that you have all the information you need about the company and the contract you have with it.