Buying Car Insurance Online in India or Through an Agent – What is Better?


5 min read

Updated on Aug 02, 2023

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.

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Buying car insurance offline

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.

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Buying car insurance online

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.

Reasons Why it is Better to Buy Car Insurance Online in India

Here are some reasons that tell you why it is better to get your four wheeler insurance plan and not offline:

1. Cheaper

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.

Also Read: How to Buy The Cheap And Best Car Insurance Policy Online?

2. More convenient

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.

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3. Unbiased choice

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.

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Pros of Buying Car Insurance Online – 3 Key Advantages

Here are some advantages you get when you get  car insurance online:

1. Inexpensive

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.

2. Quick and easy

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!

3. Lots of options

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.

Cons of Buying Car Insurance Online – Key Disadvantages?

There are some minor disadvantages too like:

1. No assistance

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.

2. Can get confusing

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.

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To sum it up

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.

Related Articles by PayBima:

  1. Insurance Brokers vs Agents 5 Key Differences Explained
  2. Secrets Your Brokers Never Told You about the Car Insurance Comparison
  3. List of Top 10 Largest Insurance Brokers in India
  4. List of 10 Best Car Insurance Companies in India 2021

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FAQs on Buying Car Insurance Online in India or Through an Agent

What are the benefits of buying car insurance online?

Buying car insurance online offers several benefits, such as convenience, lower prices, and the ability to compare policies and prices from different insurance companies. Online insurance providers typically offer a streamlined process, allowing you to quickly obtain quotes, purchase policies, and manage your coverage online. Additionally, since online insurers do not have to pay for commissions or overhead costs associated with maintaining brick-and-mortar offices, they can often offer lower prices than traditional agents.

What are the benefits of buying car insurance through an agent?

One of the biggest benefits of buying car insurance through an agent is the personalized service you receive. Agents can help you understand your coverage options and recommend policies that meet your specific needs. They can also provide guidance and support throughout the claims process, which can be especially helpful in the event of an accident. Additionally, some insurance companies only sell their policies through agents, so working with an agent may be your only option for certain coverage types.

Which option is more affordable, buying car insurance online or through an agent?

In general, buying car insurance online is often more affordable than buying it through an agent. Online insurers typically have lower overhead costs and can pass those savings onto their customers in the form of lower premiums. However, this may not always be the case, and it's important to compare quotes from different insurers to find the most affordable option for your specific coverage needs.

Is it possible to get the same coverage online as through an agent?

Yes, it is possible to get the same coverage online as through an agent. Online insurers offer a wide range of coverage options, including liability coverage, collision coverage, comprehensive coverage, and more. However, it's important to carefully review the terms and conditions of any policy you purchase online to ensure that it meets your specific coverage needs.

What factors should I consider when deciding whether to buy car insurance online or through an agent?

When deciding whether to buy car insurance online or through an agent, you should consider factors such as your budget, your coverage needs, your comfort level with online transactions, and your preference for personalized service. If you prefer the convenience and affordability of online insurance, and are comfortable managing your policy online, then buying car insurance online may be the best option for you. However, if you prefer the personalized service and guidance of an agent, and want the reassurance of having a dedicated point of contact in the event of an accident, then buying car insurance through an agent may be the better choice.

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Nov 30, 2021
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PayBima Team
PayBima is an Indian insurance aggregator on a mission to make insurance simple for people. PayBima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. PayBima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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