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Home Insurance

Buying Insurance Direct vs. Quote Shopping

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buy insurance online

When it comes to buying insurance online, you may be tempted to buy insurance direct by picking a company, looking up their rates, and finding the quote that is best for you. However, you may be missing out on a great deal by going this route. It could be your best option if you’re in a hurry, but it may benefit you not to rush. Ideally, you want to compare quotes using a third-party vendor, and we’re going to outline why below. 

What is Buying Insurance Direct?

When you buy insurance direct, you go straight to the insurance company rather than going through an agent or an insurance broker. Many people believe that this is the best way to buy insurance. They’re under the impression that they’ll get the best rates using this method. However, this isn’t necessarily true. Buying direct often means that you either don’t shop or barely shop around to find prices for other companies in your area. In turn, it’s very easy to end up paying much higher premiums for the same coverage you could get at a lower cost elsewhere. 

Benefits of Buying Insurance Direct

There are several benefits that come with choosing to buy insurance directly from a company, including the fact that you’re cutting out the middleman. If you’re considering this route to get online insurance quotes, you can benefit in the following ways: 

Quick Results

Buying direct is usually a quick process, as you don’t have to work with agents and wade through dozens of options. Instead, you’ll get a tailored quote based on your information, and this can speed up the whole process. Also, it’s online, so you won’t have to worry about going anywhere to complete the process. 

Comprehensive Quotes

Your prospective insurance company will take your information when you contact them and use it to build a comprehensive quote based on your needs. This way, you’ll know for sure that you have the coverage when you need it without incurring unexpected costs. Also, dealing directly when one insurer is a nice way to build a rapport with them, so you feel more comfortable going to them with issues or questions. 

Easy to Get Your Questions Answered

If you decide to work with a single company from the get-go, you’ll get a single agent as a point of contact. This is the person that you’ll contact if you have any concerns, questions, or if you want to change up your policy. This usually makes it a quick and easy process each time you contact the company for something. This can remove the anxiety about having to use your insurance if anything ever happens. 

What is Quote Shopping?

Unlike buying direct, where you go straight to one company and don’t shop around, quote shopping involves pulling multiple quotes from different sources. Ideally, you’ll use a third party that doesn’t have a stake in one company or the other. This ensures that they don’t try to skew the results and sway you toward one company over the other. 

Some platforms, like Nsure, will pull quotes from over 50 of the top-rated insurance companies in the nation. The process is simple. You input information to help you get accurate quotes, and then Nsure will generate quotes that you can compare. In turn, you can get the coverage you need without worrying about paying too much or getting biased results. 

Benefits of Quote Shopping

Before the majority of shopping went online, if you wanted to check out an insurance company, you had to get in the car and drive to them. You’d repeat this process for each company you wanted a quote from. Today, you can do this all online from the comfort of your own home. A few benefits of going this route are listed below. 

Get the Best Pricing

Getting online insurance quotes from a third party ensures that you get the best pricing without any one company skewing the results. You’ll be able to input your information and instantly see a host of results from different companies. You can also compare coverage tiers to see which ones offer the best coverage for the lowest cost. So, you’ll rest assured that you always get the best pricing. 

Host of Companies

Instead of having to go with one company, you’ll get the choice of several top-rated options that offer coverage in your area. You can pull them up and look at the coverage side-by-side, and you may even find companies that you didn’t know existed. So, you may get even more savings than you originally budgeted for. You can put the money you saved into an emergency fund in case you end up needing to pay a deductible. 

Fast and Easy Process

Nsure is a user-friendly app that allows you to compare home, auto, and bundled insurance options from over 50 different companies around the United States. Once you put your information in, the website will instantly pull up dozens of online insurance quotes that you can quickly sort through to narrow down your choices and pick the best one for your needs. There’s no going out and driving directly to the insurance companies or calling up agents around town to get quotes. Instead, you can do it all from the comfort of your home. 

Use Nsure for Online Insurance Quotes

If you’re ready to start shopping for insurance for your home, vehicle, or both, Nsure is here to help. We make it fast and easy for you to compare multiple quotes, coverage tiers, and more on our app. You can see which options are feasible for your coverage needs without worrying about the results pushing you toward one company. 

Once you make your choice, you can create an account and easily monitor and review your coverage however you want. If you want to swap out your insurance, you can do that on the app, too. We invite you to check out Nsure if you’re thinking about adding insurance or changing your current carrier. We make it quick and easy to lock in the best rates to save you money

See how much you can save when you Nsure!
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