Health insurance quotes contain a lot of information and numbers. They can be very confusing. There are also a number of different ways to get health insurance quotes. This article will discuss the pros and cons of three of them, namely by phone, online and by broker.
Insurance quotes by phone
This is an old standby for getting quotes on anything, be it insurance, garage doors, paving, building, whatever. The standard strategy is to call a number of suppliers and have them give you a quote over the phone and clarify any items you do not quite understand.
On the plus side, you get to talk to a real person, if you are lucky, someone who actually knows what they are talking about. You should not get left guessing about terminology and terms and conditions of the quote.
You can easily get told about the different policies the company has to offer and the details of each one in language you can understand. If you decide you like the policy and everything you are hearing, then you are able to take the policy out right there and then, you do not have to wait for someone to get back to you.
On the other hand, you are very likely to be put on hold and be told that "the first available agent will attend to you shortly" or some such line. You also need to take manual notes so as to keep track of what each phone call told you about the policy.
Online insurance quotes
This is the current favourite. You can get a lot more insurance quotes if you go online and look for a few portal sites, but it is then up to you to go through them and try and figure out exactly what each one is trying to say.
On the plus side, it is quick and you can get a large number of quotes very easily. It also makes comparison a bit easier since you will have the quotes in digital form and can copy and paste info to make it easier to see what each quote offers that the others do not. It is also possible to actually put the policy into action online for some companies.
It does, however, make understanding the terms and conditions a bit more difficult. You may find yourself on hold to the relevant insurance company anyway trying to get clarification on the quote.
Insurance quotes from a broker
This is the easiest and least time consuming way of getting insurance quotes, but will cost a little extra. The broker will do all the legwork for you and present you with a few options that most closely match your requirements.
In addition to this, brokers can sometimes get better rates than the private client. Unfortunately this is often offset by the fee or commission that they add on to the policy to compensate for their effort.
All of these methods work well, it just depends on how much time and money you have available and want to spend as to which one you use.
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