It seems so simple, you would think it would be perfectly obvious. Online “information processing” is, practically speaking, what the Internet was invented for. The Web is tailor-made for shopping for the best insurance policy. Where else can you plug-in a few details and, within a few seconds, have your request rocketing across the Web on its way to a variety of insurance underwriters, each competing for your business? Then, with no pressure and with complete privacy, you get to make a sensible financial decision from the comfort of your desk chair or couch.

Here’s why the online insurance quote is the better idea whose time has come.

1. One application. Multiple bidders. Online makes you a kind of savvy broadcaster. You broadcast the fact that you are in the market for, say, life insurance. The insurance companies who are listening for your broadcast are tuned in to your frequency and respond with a matching quote in return. Now that’s good reception. No static at all.

2. The lowest price. Who doesn’t want to get to the bottom line, and fast?  Talk is not cheap when it takes hours to get a straight answer. Online is simply the least expensive and the premium you will be quoted will be the lowest, plain and simple. Since online is the most efficient channel for user direct, point-to-point communication, the savings are baked right in. Insurance companies know you are looking for a low price, not a visit from a salesman. Online cuts costs to the quick.

3. Your needs, not theirs. Ever hear the term “longtail” search in relation to Internet product inventory? It means you can find the exact merchandise in the precise size, color, texture and features you are most interested in. In a word, it’s called “Better Selection.” Online you can find just what you’re looking for.

4. Answers to your questions. There is also no shortage of information online. So you can find the frequently asked questions and the instant answers you want to almost any topic you have in mind. There are even online insurance calculators to help you pinpoint how much coverage you will need.

5. Full-service. Instead of just one line of insurance, from one company, at one price, the best online insurance company offers you choices when it comes to your other insurance needs. Auto, health, homeowners, renters, business, you’ll get the referrals you need. If they can’t help you with every form of insurance, they will tell you who can.

What’s been your experience with online insurance shopping?

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