Car insurance online has become very popular these days. People who own new, expensive cars as well as people who own pre-used cars need to get four wheeler insurance as the law makes it compulsory to do so. Since it is so easy to buy car insurance online, many people prefer this route as compared to the offline route. There are, however, some pros and cons associated with purchasing four-wheeler insurance online and you must be aware of those. Read on to know more.
Pros of buying four wheeler insurance online
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.
- 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 digitalized, 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!
- 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 four wheeler insurance online
There are some minor disadvantages too like:
- 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.
- 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.
The bottom line
As you can clearly see from the points mentioned above, the pros outnumber the cons when it comes to getting a four-wheeler insurance policy online. If you are in the process of getting a new policy, definitely consider the online plans and you will have a very good cover with you.