There are a lot of insurance companies out there screaming from the rooftops about their cheap insurance. They can save you money; they are the least expensive, cheap, cheap, cheap. And quite frankly, that’s an attractive proposition. Everyone needs car insurance to drive legally, so why pay more if you don’t have to? While there is nothing wrong with wanting the best possible rate for your car insurance, just be sure you understand your coverage. Bottom of the barrel rates are often accomplished by bottom of the barrel coverage.
Cheaper auto insurance policies often have high deductibles and/or lower liability limits. That means that if you are ever in an at fault accident, you could potentially find yourself faced with thousands of dollars in out-of-pocket costs to make up the difference. High quality insurance may have a slightly higher premium, but that is usually offset significantly with better coverage limits.
You might have to sacrifice great policy features like Small Claims Forgiveness and Comprehensive Claims Forgiveness in a cheap auto insurance policy. That means one little accident and they send you your walking papers. You shouldn’t have to worry about your insurance company dropping you because you dinged the car next to you in the parking lot.
Customer service, support and claims processing may not be up to par with a cut-rate auto insurance policy. These insurance companies might outsource their adjusters and/or not have 24/7 customer support. That means that claims can go on and on for a long time, leaving you without transportation. With a quality auto insurance policy, you have the additional peace of mind that comes with dedicated and experienced claims representatives there for you 24 hours a day, 7 days a week.
Let’s face it, no one thinks about their auto insurance until they need it. And if that day comes, you want quality support and great customer service. Often, that is one of the key areas lower cost auto insurance cuts corners. Friendly 24/7 support and great online resources are so worth the extra cost. They will save you a lot of time and aggravation in the long run.
Be sure to talk to your Keenan Insurance Agent in Doylestown PA. They’ll work with you to get you the best auto insurance rate possible, backed by the stability and reputation of Farmers® insurance.