How to Use an Insurance App-5 Things to Know & 3 Mistakes to Avoid 2024

I get a lot of people asking how to use an insurance app, whether it’s Allstate, GEICO, Progressive, or another car insurance app.

But before you use a car insurance app, you need to find out the pros and cons of an insurance app, what to do when using it, whether you even want to use it at all, and what alternatives there are.

Why You Shouldn’t Use an Insurance App to Buy Insurance or File a Claim

If you’re not an insurance agent or an expert on car insurance, you shouldn’t use a car insurance app.

You probably don’t even know very much about car insurance. When you use a car insurance app or auto insurance app to buy insurance, you’ll be guessing what you need.

People often make costly mistakes when purchasing insurance directly from an insurance company like GEICO or Progressive. But when using an insurance app it’s even easier to make a mistake.

Find out why you should never use a car insurance app to file a claim or upload auto damage photos.

What Kind of Mistakes Can You Make When Using a Car Insurance App?

We have seen people who thought they purchased collision, fire, and theft coverage when they had not.

People Who Thought They Bought Collision, Fire, and Theft Coverage

We have had several clients in motorcycle accidents who made costly mistakes when they purchased motorcycle insurance on an insurance app. They all purchased brand-new motorcycles with a bank loan. When their brand-new motorcycles were totaled in the accidents, they discovered they had no collision coverage. They owed the bank a lot of money for their brand-new motorcycles which were totaled.

People Who Thought They Bought Underinsured and Uninsured Coverage

We have also seen people who thought they purchased underinsured and uninsured coverage when they had not. Later, when they were injured by someone who had minimum insurance coverage, they found out they couldn’t get the amount of money they should have. See what injuries are worth.

People Who Failed to Buy Additional PIP or No-Fault Coverage

Another costly mistake that is easy to make on an insurance app is not buying additional PIP or no-fault coverage. When you’re admitted to a hospital, your bills can easily be $35,000 to $150,000. If you don’t have enough PIP or no-fault coverage, you can have numerous problems.

How People Make Mistakes When Using a Car Insurance App

When you call a car insurance company directly to buy auto insurance, the person you’re speaking to on the phone can answer your questions and even give you advice.

However, a salesperson is not an insurance agent. Salespeople are not required to give you advice and are not qualified to give advice about which types of car and motorcycle insurance coverage you need.

When you use a car insurance app you will likely go through it quickly clicking off what you think you need and not realizing what mistakes you may have made.

Calling an insurance company directly is better than using a car insurance app but not the best idea either.

What Is the Best Alternative to Using a Car Insurance App?

The worst way to buy insurance is by using a car insurance app.

The second worst way to buy car insurance is to call an insurance company directly.

The best way to buy car insurance is to call an independent insurance agent. Calling an insurance agent for a company like Allstate or State Farm is okay, but you should avoid calling an insurance company directly. Companies like GEICO and Progressive have call centers where you will only speak with a salesperson.

So How Do You Use an Insurance App?

Don’t! Unfortunately, we can’t tell you how to use an insurance app because they are all different and, besides, we recommend that you avoid mistakes when buying insurance with an insurance app and call an independent insurance agent.

You might also be interested in reading:

Should I Use An Insurance Estimate App To Send a Photo of My Car Damage?
Do’s & Don’ts of what you should do after a car accident
Do I have to notify my insurance company when I have an accident, but there was very little damage to my car?
See how you can get screwed by your insurance company when replacing a windshield on a leased car.
See more answers to FAQs

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