If you own or lease a car, purchasing car insurance is essential since it’s illegal to drive without it in many states. On the other hand, for states where it’s optional, it won’t be smart to be on the road with an uninsured car.

For instance, in case of an accident, you’ll have to pay for damages and injuries out-of-pocket, which can adversely affect your finances. Therefore, you need to buy auto insurance to protect yourself in case of any unforeseen circumstances.

There are several ways you can purchase insurance, and they include;

• Online from an insurance company
• In-person from an insurance agent
• From a local agent; this may be in person or online

Purchasing auto insurance online has become popular since it’s easy and convenient. However, before making this decision, it’s vital to assess the pros and cons of online insurance to understand how it works.

Below are some pros and cons you should be aware of when buying online insurance from a local agent.


1. Available 24/7

Online insurance companies provide services at any time, any day. Thus, if you are too busy to walk around looking for car insurance, you can search for local insurance companies on your web.

Online insurance agencies also provide 24/7 customer support. Therefore, if you have any queries regarding auto insurance, you can quickly contact them and expect a response within a short time.

2. It’s cheaper

When buying insurance online, you skip the insurance agent (middle man) that needs to be compensated by the insurance company. This lowers your insurance policy since your provider doesn’t have to pay an insurance agent.

3. Access to your documents

Purchasing car insurance online gives you access to your policy documents since you can print them online.


The main disadvantage of online auto insurance is that you have to file a claim on your own. While filing claims isn’t hard, at times, it’s nice having an agent filing it for you.

Hire us

Ultimately, the pros of purchasing auto insurance online outweigh its cons. Thus, the next time you need car insurance, buy it from EZ Insurance Agency. We are a local agency in Austin, Texas. Contact us today to get your insurance quote.