That “Cheap” Car Insurance Quote May End Up Expensive!
Most all of us automobile owners have to figure insurance into our budget. This can become more of a challenge than we would like, so those “too good to be true” ads that we get hit with all over the internet can seem quite enticing. So what is the problem? These “great rates” can end up costing you way more than you think.
Have Enough Coverage!
That cheap insurance quote may sound fantastic, but that cost is usually made up somewhere else down the line. If you are in an accident and don’t have the proper amount of liability insurance coverage, you may find yourself paying a large amount of money out of pocket to cover the loss. These damages can amount to very large amounts of cash or other assets. Don’t put yourself in that predicament.
Fraud Is Everywhere!
For those frugal customers looking to save a few bucks, there are also many hustlers looking to make a quick and easy buck. These fake insurance agents can have a realistic company name and contact information. With the real technically savvy ones will even produce documents for you that indeed look like proof of insurance.
As with any purchase that you make, if it sounds too good to be true, it probably is. Safeguard yourself by cross checking their company and agent name online, or the Department of Insurance at http://www.naic.org .
Insurance Quote Prices Can and Do Change
Once you receive a quote that seems like a deal for you, make sure you check the final documents before you agree or sign anything as these prices can fluctuate from the initial time that you requested the information.
Be cautious and also ask what the price will be at renewal time. Make sure that your quote matches or is close to what you expect to pay compared with your initial first term for the insurance.
Final Thoughts…
Don’t confuse a “pushy” agent with good customer service. If they are hounding you will emails and phone calls, perhaps they don’t have your best interest in mind. A good agent will listen to your concerns and try to answer all of your questions. You should also feel that they are trying to find the best fit and insurance coverage for your particular needs.