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Auto Insurance Websites: Be Careful, Most Are Unlicensed

Unlicensed Auto Insurance WebsitesPost Date August 31, 2012 - There are many auto insurance websites on the World Wide Web.  Choosing one where you shop and ultimately buy your car insurance policy from can be eye opening experience in 2012.  Although it’s very easy for me to endorse my company’s auto insurance websites; there’s one important issue you need to remember their licensed to sell you an auto insurance policy.  You may say; “what’s the big deal Mike”

“don’t all auto insurance websites have a license to sell auto insurance”?

ABSOLUTELY NOT……………….

It’s important you know the majority of auto insurance websites on Google, Yahoo, Bing and the other popular search engines are unlicensed and it’s absolutely illegal for them to sell you a car insurance policy. To help you navigate through all the auto insurance websites and choosing where to buy your auto insurance policy.  I will also discuss in this post particular points which you must bear in mind in choosing an auto insurance website to cover your car or truck.

Does your Auto Insurance Website Have A License


It is important to buy an auto insurance policy from an auto insurance website which is licensed to operate in your state. In order for an auto insurance website to be licensed, they must maintain a Property & Casualty Insurance License.  The license is the same in all 50 states.  What’s the purpose of an auto insurance website being licensed, consumer protection.  Consumer protection is vitally important in the insurance industry.  Since the auto insurance industry is regulated by your state government; it is only through your state’s Department of Insurance  you can obtain help in the event a problem arises with your auto insurance policy. Knowing whether a particular auto insurance company is license in your state is not easy. The easiest way is by simply contacting  the toll-free number of your States Department of Insurance or Insurance Department Website.  We are in the process of developing a new reference page which will list all 50 Departments of Insurance.

Price Factor

Aside from ensuring auto insurance websites are licensed in your state, you must also be critical to their price quotations as insurance prices greatly varies from one site to another. If you are shopping for an affordable auto insurance premium, or a policy to help you with a specific driving record – please shop around. Requesting an auto insurance quote can easily be done by visiting many different websites or those auto insurance websites which represent many different auto insurance companies.

Reputation

Knowing that the insurer you chose is licensed in your state and that they offer the lowest insurance rates may not be enough. You also need to make sure that particular auto insurance company is financially solid so as to be assured that they can aid you when time comes. Knowing whether an auto insurance company’s website has good reputation can be done by knowing their insurance rating. This is easily investigated by researching the auto insurance company in rating publishers like A.M. Best.  These different independent rating agencies look at how long an auto insurance has been in existence and how much money they have on hand to pay claims.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 602