Buying Online Motorcycle Insurance in Portsmouth Ohio: Are you getting ripped off?

​There are many places to buy motorcycle insurance in the Portsmouth Ohio area, whether you buy from an agent, or directly through a motorcycle insurance company. However, most of you probably searched online beforehand. Searching online is the most efficient way to find the best price for the level of coverage you’re looking for….
   
      But there is a right way and a wrong way to shop for motorcycle insurance online. Many bikers screw up by looking in the wrong places.  This causes one of two shortcomings: One, you are probably either paying too much for the level of coverage you have, or Two, you could be getting better coverage for the same or nearly the same price. This article will help you understand what to look for and also want to stay away from when shopping online  for motorcycle insurance.




The dynamics of shopping online for motorcycle insurance




     It doesn’t matter if you search with Google, Bing, Siri or any other search engine… Most search queries will not land you to the ideal place that you want to be:

• Most search queries will display insurance companies, one company at a time.

• While that’s ok to do, it’s a very inefficient way to shop online. Shopping one company at a time will not likely get you the best rate. You waste a lot of time that way, instead of going through an independent agent, who can shop with several motorcycle insurance companies at once.

• Dealing directly with a company instead of going through an agent can cause headaches later on….. If you have a question, or an accident, instead of dealing with a local agent, you will be calling a 1-800 number. And more than likely, you won’t be talking to an experienced agent. You will likely be talking to a company CSR instead…. That’s never a good thing!

• A lot of people fall into this trap simply because large insurance companies tend to be ranked near the top of search engines.

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Beware of lead generation sites!

What is ideal is to visit a local independent agent’s website, and get your quotes from there. However, beware of imposters! Lead generation websites try to look like a regular insurance agency, when in fact they don’t sell insurance at all. They simply collect your quote information and sell it to actual agents as leads. Many of these companies will sell your info to anyone who wants to buy them. This will cause your phone to ring off the hook!


     Thankfully, there’s a very easy way to tell a real insurance agent’s website from a fake lead generation site…. You simply need to look for the contact information posted on the site, and you will know right away:


     A real agent will have their name, address and phone number prominently displayed on their website. A fake lead generation site will not have those things. They may copy the look of a real agent’s website, but the local contact info won’t be there because they’re not a real insurance agency. Stay away from those sites!




Shopping online with an Independent Agent.




     Shopping online with an independent agent is your best bet for finding the right motorcycle insurance policy:

• It is the most time efficient way to quote with multiple motorcycle insurance companies. It takes no more time to get a quote with an independent agent than it does quoting one company at a time. The agent will then do the hard work of shopping around for you.

• An agent will be happy to help you with selecting coverage, and answer any questions you have.

• An agent will be there to advise you in the event of an accident or claim.

• An agent will make you aware of any discounts you qualify for. CSR’s that work directly for insurance companies aren’t so helpful in that regard.

Summary:


     There are several great agents in the Portsmouth Ohio area that can set you up with the right type of motorcycle insurance coverage at an affordable price. The problem is that a lot of people are not reaching them. They’re contacting companies directly instead (or worse, contacting lead factories). This is a trap you don’t want to fall into like many others do.


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