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Low-cost auto insurance is a goal for all drivers yet many consumers still focus on the word cheap. While finding the cheapest car insurance quotes will certainly help your wallet they may actually hurt you more in the long run.
If comparing car insurance companies you stay focused on low-cost car insurance then it’s fair to see you probably understand finding the right policy is a balance between a reliable provider, sufficient coverage, and affordable premiums.
However, if its cheap car insurance you want then at least learn about why car insurance is so important and the potentially negative effects associated with securing a really cheap policy.
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All states have minimum car insurance requirements but they never require comprehensive or collision coverage which is the type of auto insurance that covers most damages to your vehicle and any injuries sustained by you, the policyholder.
Why do states only require liability insurance?
The goal of any government is public safety and liability insurance helps provide a safer driving environment for its residents.
The government never has an obligation to protect your own personal property.
If you are simply focused on car insurance premiums and look for the cheapest auto insurance it’s very possible your coverage will be limited to state minimum requirements and this can also expose you to great personal liability.
Even in a no-fault car insurance states like Florida, you may have some liability insurance for car accident injuries (because no one was a technically-at fault) but the state still only requires $10,000 in liability insurance and a single night in an emergency room can well exceed this.
You are then responsible for the rest and even other drivers can sue you for damages exceeding your policy limits.
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You will never see any of the large car insurance companies use the word cheap car insurance in advertisements for good reason.
The goal of a car insurer is to build a brand people can trust and asking drivers to switch car insurance companies or reassuring consumers they will always be there is about a long time commitment to policyholders.
Advertising cheap auto insurance is a brand buster for many reputable car insurers and not the kind of overall reputation any quality company wants to have.
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- Car Insurance Company Reviews
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This is important since you need to be able to trust your auto insurance company in the event of a claim with a fairly hassle-free claims handling process.
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While there are many decent cheap car insurance companies around if anybody tries to sell you on how cheap the premiums are then odds here there are many details missing in the policy coverage which can be very important to you in a car accident.
Remember that “anybody can write a check,” but the true test of an auto insurer is when the time comes to file a claim. You need to find a balance between cost, coverage and company reputation.
Before shopping for auto insurance try to learn about what coverage is available and read car insurance company reviews comparing different provider’s products and discounts.
The one advantage of doing a car insurance comparison today is you will almost always learn some money-saving tips that can be applied every time you need auto insurance.
Use our FREE insurance comparison tool to find auto insurance rates today!