No single answer functions for absolutely everyone when it comes to auto insurance coverage. That’s true for policies, and for approaches of getting a policy. If you’re looking for low-cost auto insurance on-line, take a minute to think about the limitations. There are occasions when it is just greater to speak to an insurance agent rather than shop on-line.


You want to get a discount for bundling


You could not be able to bundle your insurance policies if you buy auto insurance online. Receiving your auto coverage and your homeowner’s or renter’s insurance from the exact same firm often leads to a discount. On-line quoting is typically focused solely on selling you an auto policy. You are better off speaking with an independent agent to examine quotes from several companies for bundling your policies.


You’re insuring a classic vehicle


Classic cars often need specialized insurance to make positive they’re appropriately covered. Also, several classic automobiles sit in a garage most of the year, which indicates you should be able to save some cash. Talk to a organization that specializes in insurance for classic vehicles.


You’re not comfortable on the internet


To get a very good deal online, you will need to devote time searching, comparing quotes, filling out types and click, click, clicking. If the online search procedure sounds like a frustrating nightmare, then place down the mouse and walk away. A neighborhood independent agent can give face-to-face support.


You are unsure how considerably coverage you need to have


On the web car insurance coverage quoting is fantastic for drivers who know specifically what they want or who are comfortable undertaking their personal analysis. If you need customized aid, you are greater off with an agent.


You want to know much more about discounts


Agents can aid you pinpoint the vehicle insurance discounts you are eligible for now, as properly as those you may well be able to get in the future — for example, a discount for taking a defensive driving class, or reduce rates if your commute gets shorter.


If you do have to file an insurance coverage claim, possessing an agent you currently know can make the method smoother and much less stressful. An agent can explain the claims approach to you and inform you regardless of whether your claim will lead to a price boost.


Anna Helhoski is a employees writer covering private finance for NerdWallet. Follow her on Twitter and on Google+.


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