North Dakota Insurance

Even if the insurance sites are not sold many measures on the Web, and so far they have not, they seem to have one thing: insurance agent as well done.

Very few people have opportunities to purchase insurance on the Internet, analysts say, and even less to buy wind, because it is too difficult. In addition, analysts say many people are afraid that personal information than usual for insurance protection will not remain private, after a Web site.

The result is that insurance is one area of Internet commerce, which are not booming.

”Some people use the Internet to research prices,’’said Michael Riley, an e-commerce specialist at Mercer Management Consulting in New York. ”But the vast majority of the time, until the end of purchases via the phone or see an officer.”

Lawrence A. Ponemon, advises businesses on privacy issues with the firm of Price Waterhouse Coopers, said que”beaucoup consumer confidence are simply not the process.”

”You are rather to provide information on the phone, he said”,” rather than on the Internet.”

The impersonal nature of the Internet is also a problem for some insurance buyers. ”If I wreck my car or my house niederbrennt, perhaps, I am not so sure of wanting to feel a website to help,’’said Riley Mercer. ”If I buy from the insurance agent of the road, I can him in the eye and think: ‘I bought you and I expect that you help me.”

To address these concerns, many companies have tried to combine Internet sales through agents. Thus, although not yet proved to be a great. Indeed, the double-barreled approach, it is what frustrates a lot of shopping. They want speed and convenience, they say that if she wanted to talk to an agent, they picked up a telephone conversation.

”The insurance companies are not fulfilled the expectations of consumers of the Internet,’’said Charles Brinkley, a provider of financial services specialist at Price Waterhouse Coopers.

Indeed, while almost all insurers have websites, many have been paralyzed by the challenges of the Internet, skeptical than ever to catch and fears that this sub-anger and their representatives.

Some are, however, go beyond the use of a set of superficial presence on the Internet to simplify and accelerate the sales process.

Allstate, the second insurer of automobiles and houses the USA, spending $ 1 billion to streamline its sales activities in line with and without agents, and on the phone. In the spring, State Farm, the largest of the automobile and home insurers, plans to start its first Internet sales, without agents, California and Illinois, and finally develop across the country.

The two companies, which account for about one third of all auto and homeowners insurance sold to the USA, a future in e-commerce. ”We know that people are more comfortable at a given time with insurance purchases on the Internet,’’said Sharon Cooper, a spokesman for Allstate,”and we want to be there. We do not want to leave then.”

For now, buying insurance on the global Internet needs a lot of perseverance and determination. Go to a search engine like Yahoo, for example, and type the Wort”Versicherung.”References to 1592 categories and 8613 pages. Most sites are just billboards, basic information on individual companies and perhaps agent phone numbers.

The sites that sell insurance in fact, there are two varieties: one is an online marketplace - and AccuQuote.com Quotesmith.com are examples - the comparison of prices of dozens of insurers’ other offers coverage by a single insurance company that rule, without reference to what others loading process. The sites of the Progressive Insurance Company and Esurance a newcomer was born in the Internet age, are unique because they compare prices of three other companies.