3 On Your Side

Consumers get 'insurance in a snap'

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There are new “on demand” and “a la carte” insurance services people are taking advantage of. (Source: 3TV) There are new “on demand” and “a la carte” insurance services people are taking advantage of. (Source: 3TV)
Dave Tokic got his cello insured. (Source: 3TV) Dave Tokic got his cello insured. (Source: 3TV)
Some curate quotes from a range of insurance carriers, like “Cover Insurance” and “HealthIQ”. (Source: 3TV) Some curate quotes from a range of insurance carriers, like “Cover Insurance” and “HealthIQ”. (Source: 3TV)
“Metromile” bases auto rates on how often you drive. (Source: 3TV) “Metromile” bases auto rates on how often you drive. (Source: 3TV)

Insurance isn’t exactly a fun thing to think about. But wouldn’t it be cooler if you could actually snap photos of what you want insured and - voila – get coverage? 

It’s that easy these days thanks to new “on demand” and “a la carte” services. 

Dave Tokic is among those now using a new app that allows him to customize his insurance needs.

“I was just interested in kind of trying something new and using an app to see how I could get that done,” he says.

Instead of meeting in person with an agent, Tokic just opens the app, answers basic questions and sends pictures of items from his smartphone.  

He’s gotten near-instant insurance quotes on large items like his house and car, and a la carte items like his electronics or cello. He’s even insured his pet cat named “Dude.” Tokic says he and his wife have saved time and money. 

“It came back with a quote that was 20 percent lower than what I was currently paying,” Tokic said.

There are a growing number of on-demand insurance apps. Some curate quotes from a range of carriers, like “Cover Insurance” and “HealthIQ”. Others, including “Bind” and Ladder,” deal with health or life insurance. “Metromile” bases auto rates on how often you drive. Apps like “Slice” offer protection for ride or home sharing. 

Need wedding insurance? “Sure” can help. And there’s even drone insurance from “Verfily.” 

Todd Erkis, an insurance specialist, says today’s insurance is about personalization.

“It can be chosen depending on what type of insurance or what part of an insurance policy the person might want to have,” Erkis said.

Erkis says these apps are especially appealing to tech-savvy millennials.

“Insurance is not a sexy product,” he explains, “but the easier insurance companies and these apps can make it, the more likely younger people like millennials will be able to get the insurance protection they need.”

While Erkis believes there are benefits, he cautions that before you buy, do your research. Get multiple quotes and read the fine print about what’s covered. 

And when it comes to “a la carte" he says, “You have to be really careful because having insurance just on a certain item may leave you at risk if other things are damaged.”

Tokic does his homework but says he’s hooked on high-tech insurance. 

“I thought it was great,” Tokic said.

By the way, if you’re worried about customer service, it’s usually just an email or text away.

Click/tap here to download the free azfamily mobile app.

Copyright 2017 KPHO/KTVK (KPHO Broadcasting Corporation). All rights reserved.

Gary HarperGary Harper is the senior consumer and investigative reporter for 3 On Your Side at KTVK-TV.

Click to learn more about Gary.

Gary Harper
3 On Your Side

With more than 20 years of television experience, Gary has established himself as a leader in the industry when it comes to assisting viewers and resolving their consumer-related issues. His passion and enthusiasm have helped him earn an Emmy for Best Consumer Reporter from the National Academy of Television Arts and Sciences. He’s also garnered several Emmy nominations

He has negotiated resolutions with companies of all sizes, including some of the biggest corporations in the nation.

Gary has successfully recouped more than $1 million for viewers around the state, making 3 On Your Side one of the most popular segments on KTVK and the station's Web site.

He's best known for investigating and confronting unscrupulous contractors. In fact, many of his news reports have led to police investigations and jail time for those who were caught. Viewers, as well as the companies and people he investigates, regard him as consistently being thorough and fair.

Gary has been with KTVK-TV since 1997. Prior to his arrival in Phoenix, he worked for WZZM-TV in Grand Rapids, Michigan, where he was as an anchor and reporter.

Gary is from Chicago, but launched his television career in Lubbock, Texas, after earning a broadcast journalism degree from Texas Tech University. Following his graduation, he was quickly hired by KLBK-TV in Lubbock, where he enterprised and broke numerous exclusive reports. His aggressive reporting in Texas helped garner him Best Reporter by the Associated Press.

Gary has been married since 1994 and is the proud father of two sons. When he's not helping viewers, Gary is busy catching up on his favorite college and professional football teams as well as cheering on his beloved Texas Tech Red Raiders.

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