General - Various Quote Types
By: iWebQuotes.com -
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When you shop for health insurance online you will likely find two different types of quoting sites. One type will provide you with instant health insurance quotes. The other type may take a little more time to receive a quote, but is often more accurate. Some sites offer quotes from multiple health insurance companies while others will offer quotes from just one company. In this article we will discuss the two quoting types and list some positives and negatives for each.
Instant Online Quoting
Instant quoting will allow you to enter basic information and get a quote based on the amount of people and ages of those to be insured. These rates are normally based on preferred rating.
Positives
- Instant Pricing
- Normally lists quotes from multiple companies
- Most will have an apply option allowing you to apply quickly
Negatives
- Quotes are rarely accurate
- No professional help
- Normally offers only basic plans without add-on options such as dental and more
eHealthInsurance.com is the most popular site offering instant health insurance quotes to consumers.
Submit Info Quote
A submit info quote site will ask you for more detailed information, which is needed to produce an accurate health insurance quote. This process may ask about previous health conditions and more.
Positives
- Accurate quotes the first time
- Typically receive quotes from multiple health insurance companies and/or agents
- Professional help to ensure you find a plan that will provide quality coverage for you and your family
Negatives
- Will not receive pricing information instantly, although you should receive an accurate price within the same business day.
- May receive phone calls from multiple health insurance agents. Typically your information is provided to 2-3 affiliate agents, which will calculate a rate quote from the companies in which they represent.
iWebQuotes.com offers health insurance quotes using the submit info quote process.
In Summary: If you are looking for a fast price, then instant quoting may be a good option for you. However, if you are in the market to purchase a health insurance plan and want an accurate quote with assistance from a licenses insurance agent, you should try the Submit Info Quote option.