Is there a difference between telephone auto insurance and online insurance?

The difference between telephone auto insurance and online insurance;

1. Telephone auto insurance is recommended, and online auto insurance is self-help.

According to the author's test, when the car owner chooses the telephone car insurance and dials the special car insurance of an insurance company, the car owner needs to introduce his own details. The agent will recommend the insurance combination according to the owner's situation. If the owner feels dissatisfied, the agent will recommend the insurance portfolio again.

When choosing online auto insurance, car owners need to input the necessary information according to the prompts. In the insurance selection interface, the owner can choose the insurance portfolio according to his actual situation without the recommendation of others. This self-help choice of auto insurance is an improvement. With the owner's understanding of auto insurance knowledge, the owner himself has greater initiative and can easily choose the right insurance combination.

2. Telephone auto insurance is mainly based on offline payment, and online auto insurance is mainly based on online payment.

The second difference between online car insurance and telephone car insurance is that telephone car insurance is answered by an agent. After confirming the insurance by phone, the staff will meet the owner with the POS machine and the insurance policy, and the owner can pay by credit card or in cash.

Online auto insurance is different. After the car owners choose insurance on the platform, they pay the insurance premium online through bank cards and credit cards of major banks across the country, as well as third-party payment methods such as Alipay, Kuaiqian and Tenpay. Simply put, telephone auto insurance is mainly based on offline payment, and online auto insurance is mainly based on online payment.

Similarities between telephone auto insurance and online auto insurance;

Like telemarketing channels, online marketing channels have been endowed with bright development prospects and become the "hot cakes" for insurance companies to pursue profits. More importantly, online auto insurance business can reduce the cost of insurance companies to telephone attendants and leave more autonomy to car owners. Telephone auto insurance and online auto insurance are cheaper than traditional channels in terms of insurance prices 15%.