From clothing to real estate, the convenience of the Internet makes it easy to understand how much things cost. But when it comes to auto insurance, many consumers wonder—are online rates reliable? According to Chanler Agency of Geneseo, NY and Livonia, NY, there are many reasons why you should skip the online search and work with an agent directly.

Online Auto Insurance Quotes Aren’t Always Accurate

While it can be quick and easy to search for auto insurance online, it may take more time than calling an insurance agency from the start. With online quotes, you’ll have to input all the information yourself and make informed coverage selections for a near-instantaneous estimate.

If any of the information is missing or incorrect, you may not get an accurate rate. Should you sign on the dotted line with online providers when unaware of these flaws, you’ll have to work directly with an agent to work out the finer points. Ultimately, this could result in a higher premium than you expected.

Online Auto Insurance Estimates May Not Provide The Coverage You Need

One of the many reasons online auto insurance quotes seem to be cheap is because they only apply to bare-minimum coverage. While online companies will provide your state’s coverage requirement, you may forget to calculate additional extras you desire, such as increased medical and collision coverage for you and your vehicle.

When you work with an insurance agent face-to-face, you’ll get the exact coverage you want—at a price that works for you. Agents understand the importance of explaining coverage options in full and can answer any of your questions in a way you understand. That’s something a click of the mouse can’t always do!

Online Auto Insurance Rates Aren’t Always With The Provider You Want

Companies that provide online auto insurance rates may be sponsored by a specific provider, therefore drawing your attention to only one or two options. While a lot of these estimating resources can provide price comparison charts, the results may not be as accurate or as flexible as they should be.

By comparison, local insurance agencies work with several leading insurance providers, allowing for greater coverage options and more accurate price comparisons. Some of these providers may not be listed online, or provide cheaper rates in person than can be found by searching alone. What’s more, insurance agents can bundle coverage under your chosen provider to create more savings—something online providers don’t always offer.
 
Don’t entrust your driving safety to a quick online quote. For honest pricing and reliable auto insurance in Geneseo, NY, contact Chanley Agency at (585) 243-5520, or in Livonia, NY at (585) 346-3118 or visit their website to learn more about comprehensive personal insurance options.