Reasonable out-of-pocket costs
Good customer service If you skip out on these benefits, then you could end up paying much more in the long run.
Disadvantages to a Cheap Car Insurance Plan
Insufficient Coverage (a.k.a. Underinsured)
High Out of Pocket Costs Cheap car insurance policies often come with high deductibles. This means that you’ll pay a low amount every month, but when an accident happens, you’ll be left to foot more of the bill. While this might seem like a better plan for your monthly budget, a high deductible can leave you in the lurch when an accident does happen. A typical driver has at least three to four car accidents over the course of their lifetime.
Bad Customer Service Choosing the cheapest car insurance can also come with the price of poor customer service. If you go with a company who offers low rate, but isn’t reputable, then you may find that the customer service isn’t there when you need it most. Filing a car accident insurance claim is difficult enough, and you want a team on your side who can help.
Finding a reliable company that offers a good plan at the lowest possible cost can be difficult if you are not familiar with the industry. Our independent insurance agents can help you find the perfect marriage between affordability and benefits .In addition, our customer service is nothing less than the best. You won’t be placed on hold or directed to send a message to an unknown insurance rep – you’ll know our names and how to contact us directly right when you need us.
A Word to the Wise: Car Insurance Scams Unfortunately, people who search for cheap car insurance are direct targets for scammers. These fraudulent companies lead you to believe that you are purchasing car insurance, but in fact the policy doesn’t exist. Here are some warning signs that a company might be fake:
Requires cash or money order only
Offering to “backdate” your policy
No insurance ID cards
Lots of typos in paperwork and advertising
The price is significantly lower than other companies If it seems to good to be true, it probably is. The good news is that our car insurance agents only work with the most reputable and trusted insurance providers. We only choose companies that are highly reputable. In fact, we’re endorsed local providers of financial guru, Dave Ramsey, because of our quality and customer service.