4 Pitfalls of Cheap Auto Insurance

​Great prices for auto insurance offers are tempting. However, low premiums will always come with a catch. If you're paying very low-premium auto insurance, you're in for more trouble if you have small claims. Here are four of the most common pitfalls of buying cheap car insurance.

No Glass Coverage
You will not realize the importance of glass coverage on your car until it's too late. If a large piece of rock hits your windshield as you're racing at a speed of 100 km/h, then it can crack the glass. If you don't have a car insurance policy, then you have to shell out a considerable sum of money for the repairs. If your coverage doesn't include the glass, it's the same thing.

Poor Customer Support
Cheap auto insurance companies usually have poorly paid staff. These companies don't invest much in their customer service. Thus, if you have problems with your policy or claims, no one might listen to you. You will end up running around in circles and still get the wrong answer. Thus, go for companies that are top-rated and not ones that will only ignore your concerns.

No Coverage for Certain Aspects
You may have an assumption that all insurance for cars is the same. However, they're all different. Thus, if you don't know much about coverage, you might only choose the cheapest insurance rates. The problem is that it leaves a lot to be desired when it comes to coverage.

Insufficient Coverage 
You may have an auto insurance policy with a reputable insurer. The problem is that you've chosen the cheapest insurance rates. If that happens, then you'll have a problem when you have to file claims for hitting large, expensive vehicles. Your coverage might not be enough and you will have to shell out or borrow the remainder. If the damages leave you with a difference of $10,000, that will really be difficult. 

Some Final Words
Before you make any decision when buying car insurance, read through your policy at least twice. Read the fine print and consider every detail before you sign it. Ask questions if you have to, and never hesitate to do that. Speak to a highly-qualified broker before you get into any decision. Buy a good car insurance policy with a high-enough premium because it will save you so much trouble. 

At Gary Bacon Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (252) 644-3353 or Click Here to request a free quote.