Does buying car insurance online save money? (2024)

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e=r.searchBoxForm.querySelector("[name=fr]"),n=r.searchBoxForm.querySelector("[name=fr2]");e&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr&&(e.value=i.searchBox.params.fr,e.disabled=!1),n&&r.config.searchBox&&r.config.searchBox.params&&r.config.searchBox.params.fr2&&(n.value=i.searchBox.params.fr2,n.disabled=!1),r.searchBoxForm.submit()}}),1e3)},r.recognition.onspeechstart=function(){},r.recognition.onspeechend=function(){r.recognition.stop()},r.recognition.onerror=function(){r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_error")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play()},r.recognition.onaudiostart=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.add("listening")},r.recognition.onaudioend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("listening")},r.recognition.onsoundstart=function(){r.hideTrending(r),r.noSpeech=!1,r.speechButtonContainer&&(r.speechButtonContainer.classList.remove("listening"),r.speechButtonContainer.classList.add("speaking"))},r.recognition.onsoundend=function(){r.speechButtonContainer&&r.speechButtonContainer.classList.remove("speaking")},r.recognition.onstart=function(){r.recognitionInit(r),r.startRecognition(r)},r.recognition.onend=function(){r.isRecognitionStart=!1,0==r.noSpeech&&""==r.speechResult&&(r.speechText&&(r.speechText.innerText=r.i18n.t("search.voice.recognition_nomatch")),r.hideTrending(r),r.showRetryLink(r),r.errorAudio.play())},document&&document.dispatchEvent&&document.dispatchEvent(new Event("VOICE_JS_READY"))}}o.I18n=m,o.prototype.renderPermissionGuide=function(e){var n='\n

    \n

    \n

    \n

    \n

    \n

    \n

    \n

    '.concat(e.i18n.t("search.voice.permission_title"),'

    \n

    ').concat(e.i18n.t("search.voice.permission_text"),"

    \n

    \n

    \n

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    \n

    \n

    \n

    \n

    \n

    \n \n \n \n \n \n \n

    \n

    \n

    \n \n \n '.concat(e.i18n.t("search.voice.recognition_retry"),'\n

    \n

    \n

    \n

    \n

    \n

    \n ').concat(e.i18n.t("search.voice.trending_title"),'\n \n

    \n

    \n

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e)&&("SpeechGrammarList"in e||"webkitSpeechGrammarList"in e)}}],d=0;d0){var n=e.speechResult.charAt(e.speechResult.length-1);"."!==n&&"?"!==n&&"。"!==n&&"?"!==n||(e.speechResult=e.speechResult.slice(0,-1))}},o.prototype.sendBeacon=function(n,t){var o=e.YAHOO.ULT||{},i=e.YAHOO.SB||{};if(o.beacon_click){var r={_S:i.config.i13n.spaceid,_I:i.config.i13n.pvid,actn:n,sec:"search",slk:t};e.YAHOO.ULT.beacon_click(r)}},o.prototype.ajaxReq=function(t,o){var i,r,a=XMLHttpRequest.DONE||4,s=new XMLHttpRequest;if(n.documentMode&&n.documentMode<10)return(new e.XDomainRequest).onload=function(){try{r=JSON.parse(i),o(r)}catch(e){return}},s.open("GET",t),void s.send();s.onreadystatechange=function(){if(s.readyState===a)if(200===s.status){i=s.responseText;try{r=JSON.parse(i),o(r)}catch(e){return}}else o(r)},s.open("GET",t,!0),s.timeout=1e4,s.send()},e.YAHOO||(e.YAHOO={}),e.YAHOO.Util||(e.YAHOO.Util={}),e.YAHOO.Util.VoiceSearch=o}(window,document)}();var Wn={containerClass:Un.tooltip,textClass:Un.tooltip__text,showClass:Un["tooltip--show"]},Jn=["zh-hant-tw","zh-hant-hk"];ye("ybar-mod-searchbox",(function(e){var n={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Un["sa-btn-bar"])),voiceSearchBtn:document.getElementById("ybar-sbq-voice"),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Un["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Un["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Un["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x")};!function(e,n){var t,o,i,r=e.getConfig();if(n.ybar&&"desktop"===r.device&&(null===(t=r.bucketConfig)||void 0===t?void 0:t.highlight_searchassist)&&(null===(o=r.bucketConfig)||void 0===o?void 0:o.overlay_class)){n.ybar.setAttribute("data-ovrly-bkt",r.bucketConfig.overlay_class),null===(i=n.searchForm)||void 0===i||i.classList.add(Un[r.bucketConfig.overlay_class]);var a=document.createElement("div");a.classList.add(Un.overlay,Un[r.bucketConfig.overlay_class]),document.body.appendChild(a),e.onDestroy((function(){document.body.removeChild(a)})),e.addElementListener(n.searchForm,"focusout",(function(e){if(n.searchForm&&n.searchInput){var t=e.relatedTarget;t&&!n.searchForm.contains(t)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,n),zn(e,n),n.voiceSearchBtn&&function(e,n){var t=e.getConfig(),o=t.locale,i=function(){var e,t;(null===(t=null===(e=window.YAHOO)||void 0===e?void 0:e.Util)||void 0===t?void 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    Does buying car insurance online save money? (2024)

    FAQs

    Does buying car insurance online save money? ›

    It is generally cheaper to buy car insurance online, as there are no agent fees or markups. However, an agent can guide you through the purchase process and help you select the best coverage.

    Is it cheaper to buy insurance online or through an agent? ›

    Online car insurance policies are generally cheaper than those offered by insurance agents as these don't include commissions and other fees. Most auto insurance companies also offer discounts if you purchase car insurance online. However, using an agent has its share of benefits.

    What are the disadvantages of online insurance? ›

    The disadvantages of buying life insurance online include limited customer support, limited customization options, and a higher risk of online fraud. Can I cancel my online insurance policy? Yes, you can cancel your online insurance policy within 15 days of purchase if you are not satisfied.

    Is it good to take insurance online? ›

    Online insurance comparison platforms enable you to compare plans from different companies side by side, considering your needs, budget, and preferred features. Furthermore, online resources provide impartial reviews of various health insurance plans, assisting you in understanding their advantages and disadvantages.

    Do online car insurance quotes affect credit score? ›

    Does getting insurance quotes affect your credit score? No, there is no hard credit pull when you get a car insurance quote, so shopping around won't affect your credit score. A hard credit pull generally happens when you apply for credit, such as a mortgage or credit card.

    Is it better to buy car insurance online? ›

    Online: If you already know what auto insurance coverage you need, it can be a good idea to purchase car insurance online. Buying online can save time and money.

    Which insurance is best online or offline? ›

    Online vs offline insurance comparison explains that online term plans are lower in cost than buying the same plan offline. If the premium cost is a concern for you, you should buy term plans online. Also, make sure you look into the fine print of the policies and avoid making the decision based only on price factor.

    How does your credit score affect your vehicle insurance in most states? ›

    In many states, car insurance companies take your creditworthiness into consideration when setting your premiums. According to The Zebra, an insurance comparison site, drivers with poor credit pay an average of $1,500 more a year compared with those with excellent credit.

    Can you get car insurance online without talking to someone? ›

    Can you get car insurance online without talking to someone? Most notable auto insurers offer the option to buy online without talking to someone.

    Is it better to shop around for insurance? ›

    “Because prices vary among insurers and rates change frequently, it can be beneficial for consumers to shop at least once a year.”

    How can I avoid being scammed by insurance? ›

    Always obtain quotes from several companies and compare benefits and rates before you pay your first premium. Be careful to only buy from authorized companies and agents. Unauthorized insurance operations are illegal, and their policyholders are unprotected if they go broke.

    Is it safe to renew insurance online? ›

    Yes, renewing car insurance online is safe. One of the main concerns of most policyholders is whether they can trust online modes to renew car insurance policies. You should know that most of the insurance companies have a secured payment gateway, and this is why your financial transactions would be safe.

    Is it safe to get car insurance quotes online? ›

    You can comparison shop when you look for car insurance coverage online, getting quotes from several providers to find the best car insurance rates for your profile. Buying online could also be cheaper because you won't pay agent commissions or other fees as you might when obtaining an auto policy in person.

    What is a good credit score for car insurance? ›

    A good insurance score is roughly 700 or higher, though it differs by company.

    Can your car insurance go up because of your credit? ›

    How much your score affects your rates varies between states. Four states — California, Hawaii, Massachusetts and Michigan — ban companies from using your credit report to determine insurance rates. Instead, companies in these states base rates on your driving record, location and other characteristics.

    What is the disadvantage of insurance agent? ›

    Cons of Being a Life Insurance Agent

    You must sell policies to earn an income. This can be stressful, especially when you are just starting in the industry. No Guarantees: Even if you are a successful life insurance agent, there are no guarantees that you will continue to be successful in the future.

    What are the advantages of using an agent to purchase insurance? ›

    A one-on-one meeting with a local agent can point out any gaps in your coverage, and help make sure you are covered for contingencies. Independent agents deal with multiple insurance carriers so you will be offered options. Agents also make sure you receive group discounts when applicable.

    What percentage of insurance premiums go to the agent? ›

    Typically, a life insurance agent receives anywhere from 30% to 90% of the amount paid for a policy (also known as the premium) by the client in the first year. In later years, the agent may receive anywhere from 3% to 10% of each year's premium, also known as "renewals" or "trailing commissions."

    Is there an advantage to using an insurance broker? ›

    What are the benefits of using an insurance broker? An insurance broker can help you make sense of your personal insurance options, suggest plans to save you money and save you time by doing the shopping for you.

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