What Can Make The Lowest Auto Insurance Quote A Bad Deal?

By Chimpuriche Chihunrumnanya

It's a great thing to find an auto insurance quote that is several hundreds of dollars lower than industry standards for your profile. However, like everything out there, you need to make sure of a few things before you buy such an affordable policy. Indeed, you need to make sure of a lot of things even if the quote is expensive...

1. What's the company's rating? Unless you do NOT ever intend to make a claim even if you need it, you'll need an insurer that will treat your claims promptly. Some companies that offer rates that are too low sometimes have unimaginable hurdles you must cross before you can get your compensation.

Too many complaints against an insurer is a bad sign. Although all insurers have some complaints against them; run, if the ratio of complaints is too high -- Moreso if many of them are unresolved. Also check at how quickly each case was resolved.

And don't forget to verify that you're NOT buying from a fly-by-night insurance company. Verify with your state's department of insurance to ensure they are licensed to sell auto insurance in your state.

2. A very low quote could mean that a policy has very high deductibles. Although this is fine if you have a very old car, you may need to reconsider your position if yours is a new car. Remember the law requires that you contribute this amount if you file a claim.

3. If your driving record is NOT so great, make sure that their forgiveness period is good for you (Insurers have a given number of years after which they clear your records of any accidents or moving violations).

If, after checking for these things, you are satisfied then you can go ahead with the offer. There are many other reasons (good reasons) why an insurer's rate could be far lower than industry average.

Also, do your best to read through your policy details and have all your questions answered before you buy.

Do you want the cheapest rates that won't compromise you? Get and compare quotes from five or more reputable quotes sites now.

About the Author:

If you want to get cheap auto insurance quotes visit: Cheap free and easy auto insurance quotes and Cheap auto insurance quotes. Chimpuriche Chihunrumnanya writes on insurance.