Car Insurance in the 21st Century

Car insurance in the 21st century is made readily accessible with applications and smart technology. Features like GPS tracking and emergency response allow companies quicker contact with drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • New customers and subscribers do not have to go through the outdated ways of shopping for insurance companies by going to each office in person
  • Now you can just click on a link to be transferred to an agent who will then guide you through pertinent questions
  • Most major carriers provide useful tools so you can immediately chat with an agent online and have a quote in minutes
  • Many insurance providers take advantage of today’s technology advances in order to stay competitive and relative in the industry

21st-century technology makes life a lot easier, especially in the area of car insurance. The Internet, iPhones, and iPads make it convenient to perform simple searches when making inquiries about insurance.

Your car insurance company is one of those places where you want easy access in an emergency.

Enter your ZIP code into the FREE tool and get car insurance quotes now!

21st Century Companies are Adapting

With every new gadget introduced to the market, businesses have to consider how it will affect what they offer to the public.

The insurance industry is no different. With iPhones and iPads on the market, it is all about applications.

Applications make things easily accessible and in the case of an accident, your insurance agent and important information are just a click away.

Being able to send instant pictures of a scene from your cell phone is a prime example. You do not have to dig for business cards. It is a hassle to have to search the glove box when everything is available at your fingertips!

Portable scanners allow you to submit documents like police reports in a flash to speed. Companies are always adopting new software to accommodate new capabilities. The major carriers are keeping pace with changes in the market as well as changes in technology.

With every advanced step, something is made more convenient or faster in the application or the processing of claims. In the car insurance industry, 21st-century changes include things like:

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How You Can Save

It is still a good idea to consider combining home, auto and whatever type of insurance you need under a bundle policy. The savings can make a huge difference.

Another way is to take classes to minimize points already accumulated.

Equipping the car with side airbags, and other safety mechanisms like GPS emergency response will save some cash as well.

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Choosing Suitable Policies

Policies have inclusions, exclusions, and riders that may not be suitable for your needs. Why pay extra money for something you do not need? People are requesting more options when it comes to customizing their policy. More people are even taking advantage of

People are requesting more options when it comes to customizing their policy. More people are even taking advantage of the higher deductible.

Someone who lives in the suburbs may need a rental while their car is being serviced whereas another might live near the bus line and prefer to take the bus to work.

If the car is driven less than 25,000 miles a year the insurance company takes it into consideration.

New cars, luxury cars, and classic cars are rated differently. Make sure you are checking pricing for insurance on the type of car you will be driving.

The Claim Process

Insurance companies have ways they evaluate cars in processing claims that may not be known to the insured. Knowing the value of your car before an accident will impact expectations and negotiating replacement value or loss on a damaged vehicle.

Some companies assess different makes and models differently.

Communication with the claims adjuster and agent in more serious accidents is key. At the same time, keeping your expectations low with regard to the length of time it takes to process a claim will prevent pulling your hair out while waiting.

Start your comparison shopping today to ensure you receive the best rate. Enter your ZIP code below to compare now!

References:

  1. https://www.apple.com/
  2. https://www.stopdwi.com/
  3. https://www.investopedia.com/articles/insurance/09/bundle-insurance.asp
  4. https://www.iii.org/article/insuring-your-classic-car
  5. https://www.statefarm.com/simple-insights/planning/replacement-cost-vs-market-value

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