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Car insurance is a vital requirement. It is necessary to have a good four wheeler insurance plan not because it is a legal necessity, but also because it offers coverage to your vehicle. You have the option to buy car insurance online or through an offline Agent. Which one is better and why? Let’s find out.
As stated, you have the option to buy car insurance offline. When you do so, you need to go through an insurance agent. There is no car insurance broker online, but in the offline route, brokers are involved. You need to pay a brokerage fee. You need to physically fill in the documents, hand over the cheque and then the policy will be issued to you.
If you choose to get the four wheeler insurance plan online, you can simply log in to the portal of the motor insurance company. You can also choose to buy the plan via a trusted car insurance aggregator. You can compare all the plans side-by-side and see which one is best suited for you. Then, you can click a few buttons and buy the plan then and there.
Here are some reasons that tell you why it is better to get your four wheeler insurance plan and not offline:
Online car insurance plans are cheaper, as compared to offline plans. You do not have to pay a car insurance broker online and that helps you to save money. Additionally, you get to compare all the available car insurance plans and then locate the most economical option. This further helps you to find the policy at a good rate and thereby save money.
It is extremely convenient to buy a motor insurance policy online. You can buy the plan online by filling up a very short form by clicking a few buttons. The payment can be done online instantly too. Then, you can buy the plan as and when you wish without having to bother about the working hours, long queues, etc.
And last but not the least, you get to make a completely unbiased choice when you buy car insurance online. Insurance agents often push plans for their own benefit and this hampers your prospects. But when buying online, there is no such influence. You can do your research, compare the options and then get the most suitable car insurance plan.
Keeping these points in mind, you can see why it is better to buy car insurance online as compared to buying car insurance offline.
Here are some advantages you get when you get car insurance online:
A big pro of getting car insurance online is the cost factor. The online plans are cheaper in comparison to the offline plans. You save on the brokerage amount. Also, the processing and administrative charges are low which brings down the overall cost of the policy. And finally, because you get to compare the car insurance quotes, you get to see all the options and choose the affordable one.
Another big pro here is the convenience. You can buy the plans very quickly by filling in a short and easy online application form. Also, since the entire process is digitalised, you can get the plan around the clock. You need not visit the office of the insurance provider or worry about standing in a line. The plan can easily, quickly and conveniently be bought whenever you wish to do so!
There are many motor insurance companies in India that offer many online four wheeler insurance plans. You will find many options to choose from. You can compare and make an unbiased choice which will prove to be beneficial in the long run. This is another minor con you have when you buy car insurance online.
There are some minor disadvantages too like:
When you buy car insurance online, you have to do it by yourself. You cannot get the assistance of an insurance agent. This may be a little difficult, especially for people who aren’t very tech-savvy. Also, you need a functional device with an internet connection. For someone with no access to such gadgets, the process can get a bit tricky.
There are many options to choose from when you look to buy car insurance online. This can be a boon, but it can also be extremely confusing. When you buy car insurance offline, you can contact an insurance agent who will shortlist the plans so that you can easily and quickly make your final decision.
Even while it is better to get your four wheeler insurance plan online, you are free to make the purchase offline too. The important thing is to have a good motor insurance cover that can protect you and your vehicle at all times. So do your research and get the best plan right away.
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