In auto insurance, just like the rest, you get what you pay for. And the fact is, discount auto insurance will do little more than keep an automobile on the road, meeting the essential legal requirements. In the event that you expect anything more than that, you might be a little disappointed.
Here are 4 ways discount auto insurance might work against you:
Decreased — or non-existent — customer support
A decent auto insurance company prides itself on the customer service it can offer to its clients. After all, it is much easier to keep a preexisting customer than it is to find a new one. But cheap auto insurance companies will sacrifice your long-term satisfaction to make a quick dollar upfront. They’ll spend less wherever they can including in customer support and the promises department. Because of this, they simply can’t provide the resources necessary to offer you any other thing more when the basics — so long as you never claim it might work out. But when that happens, good luck.
For instance, many discount auto insurance companies use customer support automation. As a result, getting a live human being on the telephone is difficult. Whether you’re dealing with a claim or billing mistakes, you stand a good chance of devoting your time to voice mail. Not just that — they are simply more prone to mistakes due to the fact the human aspect is gone.
Lost time
When you have an accident, your auto insurance provider will send an adjuster to look at your car and determine the damage — and also to weed out phony claims. Cheap auto insurance companies provide a bare-bones staff to get this done. As a result, your claim may sit down in a file for weeks (or even months) without anything happening. This means your car may stay in the same damaged condition for this entire time. If you cannot drive it, that’s bad. But it can be even more complicated than that.
In many state governments, accident damage must either be fixed before an inspection is due or the car will have to stay idle while waiting to be fixed. At the same time, very few states determine how long an insurance company may take to react to your claim. If you have to wait weeks for a case to be resolved, tough luck. The auto insurance company is able to string you along.
Beyond the basics — not cheap
In brief, the only thing people save whenever choosing cheap auto insurance is about $50 on the essential, no-frills insurance plan. Once you start adding more coverage, your price may well skyrocket. In other words, you’ll end up paying more than you would have if you had started with an established auto insurance company.
How much is it worth to keep your privacy secure?
One of the least talked-about potential issues of buying cheap auto insurance is security. Your individual information may not be protected by way of a decent privacy policy. Your credit cards number, communal security number, address, contact number, even your medical background is in the hands of a company that might not protect it simply because they don’t spend resources on privacy protections.
Because of this, you are at risk of privacy theft. Simple truth is, no company can assure an iron-clad online privacy policy, but most reputable companies will retain security experts to make sure that your delicate information stays secure.
Conclusion
Hopefully, this article has given you something to take into account before buying the cheapest auto insurance coverage you can get online.
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