5 situations where buying cheap car insurance is a bad idea

Five Situations Where Buying Cheap Car Insurance is a

Something to Think AboutA car insurance policy isn’t a one-size-fits-all cure for unexpected automotive expenses.

The policy that you and your car need should be carefully chosen for your unique budget,

lifestyle, and vehicle.

The Factors

A vehicle’s model, a driver’s history of accidents, and even the color of your car can influence your auto insurance pricing

as well, and it may be tempting to go online and buy the cheapest state minimum coverage you can buy.

In some situations, a well-informed customer can find and purchase a

good policy online, but it’s very likely that buyers will face unexpected limitations and stipulations while

buying their policy, leading to compromise and a plan that doesn’t

fit.

If you’re having trouble deciding whether or not to buy cheap car insurance online, exercise caution if you fit into one of the

five following categories.

1.) You’re planning on bundling policies to get a discount

Bundling your auto insurance with your homeowner’s insurance, health insurance, or any other policy can be a great way to lower your auto insurance rates and save money, but if

you shop online, you may not be able to bundle. Talk to an independent agent or contact us today to compare quotes and

find a policy that saves you money now and down the road.

2.) You’re buying an insurance policy for a classic car.

A classic car requires a different auto insurance policy given its value and the fact that many classic cars spend most of their time in the garage. Insuring your classic car might not be as

expensive as you think, and buying a cheap policy online is the worst move you can make.

3.) You’re not comfortable using the internet for

insuranceComparing rates online can also be frustrating and overly

time consuming for some. Scheduling a consultation with a local agent can make the process less stressful and risky.

4.) You’re buying your first policy or don’t know how much

coverage you needThere are seemingly endless options, and the best way to sift through them all to find the perfect policy for you is to call or meet up with a trusted insurance agent in your area.

5.) You want to save money on your policy

Believe it or not, buying a “cheap” policy online isn’t the best way to save money, even if you don’t want any coverage beyond state-minimum liability insurance.

Meeting with an agent gives you a chance to ask about discounts, special policies, and more inexpensive

coverage options while still allowing you to sit down and decide which policy is right for you. Even on a budget,

choosing the right policy is an extremely important step, and if you qualify for discounts, you could save a lot of

money.

How do you prefer to buy your auto insurance? What would you change about your policy if you could? Let us know in the comments section below!