Can my price change after purchasing an insurance policy online?

I was previously with a carrier through a broker. I had a lapse and decided to request a quote with the same company directly. When I put in my previous policy details online, it gave me a discount. However, when I called to follow up, the agent told me I did not qualify. Will my price change if I purchase it online instead?

Answer provided by
Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Obtaining car insurance quotes online is a great way to preview what an insurance carrier may charge. However, carriers have an underwriting department that reviews every policy. If it does not meet their standards or there is a difference in what you put on the application, your rate can change.
Since you did call the company to follow up, it’s best to follow the advice of the agent. Should you purchase the policy online, your rate may change after the underwriting department reviews your prior insurance information.
If the price that the company is giving without the discount isn’t affordable, you should shop around. Reach out to various carriers to comparison shop. You may be able to find a rate that is similar to the discounted rate you were offered online. “

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