Online vs. Agency: Where to Get the Most Convenient Policy?

With the advent of digitalization, more and more consumers are turning to online car insurance for convenience and savings. However, many drivers still prefer traditional brick-and-mortar agencies for the reassurance of face-to-face contact. But which option is really more advantageous? We break down the pros and cons of both options to help you make an informed choice.

Agency Insurance: Pros and Cons

Pro

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1. Direct contact with the consultant. One of the main advantages of taking out a policy in an agency is the possibility of interacting face to face with an expert. The consultant helps to customize the policy based on individual needs by explaining the details of the various options during a face-to-face conversation, thus providing immediate, direct and reassuring support.
2. Traditional payment methods. For those who are not familiar with online payments, agencies offer the possibility of paying with more traditional methods, such as cash or using the POS: this option is particularly appreciated by those who prefer to avoid using credit cards for online purchases.

Cons

1. Potentially higher costs. Agency insurance can have higher premiums than online insurance. This is also due to higher operating costs, such as maintaining physical offices and agency staff, which can inevitably be reflected in the final price of the policy.
2. Less flexibility. Buying a policy at an agency can take more time and planning, to schedule an appointment and physically go there. Also, changes to the policy may not be immediate and may require more paperwork.
3. Limited possibility of comparison. In agencies it is more difficult to quickly compare multiple offers from different companies, while online it only takes a few clicks to get quotes from different insurers.

Online Insurance: Pros and Cons

Pro

1. Economic saving. One of the main reasons why many drivers choose online insurance is to save money. Companies that operate exclusively online, such as ConTe.it, a distributor of the Admiral Group, can offer more competitive premiums, also thanks to different operating expenses (for example, there is no agency network to support the costs).
2. Save time. With online insurance, there is no need to make appointments or go to the office. Everything can be done from the comfort of your home, from the quote to the signing of the policy. This makes the entire process extremely quick and convenient, perfect for those who are short on time.
3. Flexibility and customization. Online platforms allow you to customize your policy quickly and easily. In addition to the mandatory RCA, you can also choose to add different additional coverages, such as theft, fire and roadside assistance, selecting only what you really need. This level of customization reduces the risk of paying for guarantees that are not in line with your needs.
4. Self-management. Through online platforms, users can independently manage their policy, modifying it in real time or downloading documents without having to contact an agent. This guarantees greater control and freedom.

Cons

1. Absence of direct human contact. While many online businesses offer excellent customer service, the lack of face-to-face contact can be a limitation for those who prefer personal, direct interaction. When dealing with complex issues or specific questions, some people may find it difficult to communicate solely through phone or email.
2. Difficulties with digital payments. For those who are not familiar with the internet or online payments, this method can be a barrier. Although the platforms are usually intuitive and there are many payment types available, some may prefer the traditional methods offered by physical agencies.

The choice between online or agency insurance depends mainly on individual preferences and personal needs. The limitations of online solutions can especially affect those who are less accustomed to using technology, because they often find direct contact with a physical consultant more reassuring. To make the digital experience more accessible, it is essential to opt for an online platform that offers adequate assistance. ConTe.it, for example, with his Highly qualified and always available customer service, allows you to have the necessary support without feeling the lack of interaction in the agency. Furthermore, the ConTe.it portal is intuitive and easy to use, making taking out and managing a policy simple even for those who are less familiar with the internet and digital devices.

Online solutions, to conclude, offer significant advantages, and for this reason they represent, nowadays, one of the most suitable solutions for those who want to save and buy a complete and quality product. To do so, obviously, you need to turn only to professionals in the sector authorised to operate on Italian territory, like ConTe.it.