The cheapest car insurance available is likely the one you don’t want!
Cheap car insurance generally means you have the absolute state minimum limits of liability and this is not enough insurance to cover even a minor amount of damage or bodily injury which would occur in an accident.
You can also buy cheap insurance by not including collision coverage for your own vehicle, and you can even exclude comprehensive coverage which would make your policy really cheap! But I don’t expect to collect anything if you have a claim.
Additionally, there are some insurance companies which offer pretty low rates when they provide you with a quote, but some of these bad actors have really high fees unless you are able to pay the full premium at the time you buy in the policy. In these cases, you end up paying a low premium. But since you could be paying such high fees, it’s often best just to have a reputable insurance company with good coverage.
Another problem with cheap insurance, is that he will have a lot of difficulty when working with the claims adjuster because some of these carriers do not even have their own staff. You’ll spend a lot of time chasing down and leaving messages for the adjuster, only for the adjuster to call you back and request something new each time. You will never get anything accomplished! Your frustration will be a lot of trouble.
Since we are a broker, we have the ability to not only customize your insurance policies and include the coverage that you need, we also can package your home and auto and get you a package discount. This is often the most cost effective way to have a comprehensive insurance policy that will be there When and if you need it.
Well sometimes it’s good to get something for cheap, it’s often not insurance that you want to be cheap about. After all, we want you to be a Happy Camper!
