The Benefits of Using a Direct-to-Consumer Insurance Provider

woman checks phone while on computer

Every day, you can accomplish so much with just a few touches on our digital devices: take a college class, order in dinner, or even buy a car and have it delivered right to our front door. Why shouldn’t you also be able to buy insurance from the comfort of our couch or kitchen table at any hour of the day?

Once upon a time, you had to carve time out of your day to make an appointment, drive to the agent’s office, review your needs, and finally decide on a policy. Today’s direct-to-consumer insurance providers change all that, starting by removing the middle man. They put you in charge of tackling your insurance needs when it’s most convenient.

These agents are always available by email, chat, and phone to walk you through the process and match you to the right policy. In minutes, you can have insurance that meets your life needs right now. And as your life changes (like maybe getting married or buying a house) you can go right back to the direct-to-consumer provider and update your policy. It’s that simple.

By streamlining the process and getting rid of brick-and-mortar offices, direct-to-consumer providers focus on just one thing—offering great insurance products at lower costs.

An easier way to buy insurance

Two things everyone knows about insurance: you need it, and you hope never to use it. Some of us would opt for a root canal over going to an agent’s office to buy a policy, or suffer through the claims process when something happens.

Here’s where direct-to-consumer providers (including Elephant) step in and make a difference. When you visit their websites, you can click around to explore different policies, or find out what you’ll need to do if you ever have to file a claim. You’ll be pleasantly surprised not to find a bunch of intimidating jargon, helping you easily understand what’s offered and find what you need. When you’re ready, plug in a few basic numbers and information; you’ll get a real quote in seconds.

If you have questions, you can reach out by email, chat, or phone. You’ll get an agent on the spot, who can give you real-time information you need to make the best decision. It’s one-on-one, so it’s always personal. And, by getting rid of the agent offices, direct-to-consumer insurance agencies also got rid of pressures to buy something that’s not right for you. Eliminating commissions means seasoned agents listen and focus on what you need – rather than trying to sell you something you don’t.

Everything is at your fingertips

Direct-to-consumer insurance providers put you in control. Once you’re a customer, your online account is available 24/7, so you can take care of things when it matters most. Online account access lets you:

  • Increase or decrease coverage limit amounts: As your needs change, adjust your coverage to match where your life is right now.
  • Add or remove someone from your policy: New driver in the house? Change your policy with a few clicks.
  • Update your information: Change information like your address with just a few keystrokes. It’s just as easy to update any personal information.
  • Add or remove vehicles from your policy: Don’t worry about stopping by an agent’s office on your way home with a new car. Go online to add that vehicle to your policy.
  • Manage billing: Make sure you’re paying for your policy how and when you want.

Direct-to-consumer insurance providers are always open

It’s impossible to predict all of life’s twists and turns, but that’s what the insurance business is all about. When something goes wrong, you can always speak to an agent at a direct-to-consumer provider. You don’t have to wait for your agent to be in the office and have time to return your message.

Here at Elephant, you’ll find step-by-step directions on filing your claim with an agent, and you’ll never be handed off to an impersonal claims adjustor. Our phone app makes it even easier—you can take photos to accompany your claim and easily upload them, avoiding the hassle of squeezing in a meeting with a field appraiser.

Direct-to-consumer providers offer one-stop shopping

Whether you’re buying insurance for the first time or switching after decades with a traditional provider, you’ll never find an easier experience – with significant cost savings to boot. The simplest way to get a quote from your DTC provider is to visit them online. At Elephant, you’ll even get a 12 percent discount if you do just that for car insurance – and more discounts the more cars you add to your policy!