Dont Play The Fool: Avoid Car Insurance Scams

By Steve Johnson in Auto Insurance on May 8th, 2008

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by Steve Johnson

Due to the massive size of the car insurance industry, scams are prevalent. Be wary of this the next time you’re in the market to buy car insurance.

Car insurance scams are more common than you think, so what can you do to protect yourself? First of all, don’t just jump on the best deal you find. If it sounds too good to be true, it usually means it is.

When you are going to purchase insurance, make sure you purchase through a reputable company. There are many websites out there that are dedicated to posting lists of scammers and disreputable companies. The important thing is to make sure you do your research so you don’t fall victim to car insurance scams.

To avoid scams, try becoming an AA car insurance member and get free car insurance quotes. Even if you decide not to become a member of a certain car insurer, you can still take advantage of the free quotes they offer.

Most car insurance companies in good standing will offer you free insurance quotes. If they ask you to pay for a quote, move on. The only thing a car insurance company should charge you for is the insurance premium, along with any associated taxes and/or fees.

Beware of insurance companies that offer you extremely cheap premiums compared to the rest of the market, or free months. Remember: If it sounds too good to be true, then it probably is. Paying for car insurance is almost as inevitable as death and taxes. The smart shopper knows that it’s a necessary expense. This doesn’t mean that you have to buy from the most expensive company. Just be a wise consumer and realize that all car insurance quotes should be within the same ballpark, and choose the best one for you.

Here’s a worst-case scenario: Imagine that you bought insurance from a company with extremely low premiums. You’re thinking you got a really great deal; that is, until you’re in a car accident and discover that the insurance you bought isn’t legit. Buying extremely cheap car insurance could cost you dearly in the long run.

The most important piece of advice to follow is to take your time and do your research. A little time spent now could mean saving lots of money, and a huge headache, in the end. Do not rush into anything before you know exactly what you are getting into.

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