Should I accept low car insurance offers?

Whether or not you should accept low car insurance offers depends on your personal driving record. People who have very good driving records often receive low quotes from auto insurance companies. A good driving record means several great things to providers, and they will provide many low auto insurance offers and discounts to good drivers. Find quotes for cheap car insurance that fits your needs with our free ZIP code search below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Jun 4, 2021

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It can be great to receive low car insurance offers, but these can concern people. Find quotes for cheap car insurance that fits your needs with our FREE ZIP code search! They might wonder if they are receiving a good deal if the price is so much lower than what is being charged by other car insurance companies for the same coverage.

They may have some reason for concern, but there are also times when it is safe to accept low car insurance offers. Start your search for the right policy today with our FREE quote comparison tool!

Some Drivers Pay Less

One of the safe times is when drivers are being courted by a particular car insurance company for a particular reason. For example, women are seen as much less dangerous drivers than men are. All drivers between the ages of 16 and 19 are inexperienced and, therefore, higher risks, but the fact is that males are much more risky to insure.

Because the men are more likely to need to use their car insurance coverage, the car insurance companies would like to insure fewer of them. The result is that car insurance companies would rather insure more females than males, and they will court these women to purchase car insurance by offering low quotes.

If a woman is being offered a low car insurance quote because she is female, she can be assured that the coverage is, most likely, an excellent policy.

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High Credit Scores Can Mean Low Offers

Sometimes, car insurance companies check the credit scores of people who apply for an insurance policy with their companies. This would be an action that people with low credit scores seek to avoid, and they can succeed in doing this.

Those who have high credit scores will not want to shy away from the credit check because when the car insurance company discovers they have high scores, they are going to be rewarded with lower rates.

When an online form for a new car insurance company asks new applicants what their credit scores are, they will charge these people lower rates because people with high credit scores statistically file fewer claims than those with lower credit scores.

They are less likely to drive recklessly and cause car collisions. Therefore, people with very high credit scores who receive low car insurance offers can feel confident in accepting them.

Driving In Safe Zip Codes

The first thing that comparison websites will ask applicants for before they do a comparison search is their zip codes. The zip code tells an insurance company some very important information because there are areas around town that are susceptible to car collisions.

For example, an intersection within a particular zip code may be a place where cars collide with each other on a regular basis.

Those who live far away from these areas are going to be offered a lower quote because they are not driving a majority of their time in an area where the probability of being involved in a car collision is very high.

If drivers are driving in a very rural area, they also have less of a chance of running into another vehicle because there are fewer cars to run into. People driving in the safer areas may accept low car insurance offers without worrying that the coverage will be insufficient.

Good Driving Records

People who have very good driving records often receive low quotes from car insurance companies. A good driving record means several great things to car insurance companies, including the fact that they have few, if any points on their records for:

  • At-fault accidents
  • Tickets for reckless driving or speeding
  • DUIs or DWIs
  • Tickets for failing to yield to pedestrians or other vehicles
  • Tickets for making unsafe lane changes or turns
  • A license that has been suspended or revoked
  • The need to file the SR-22

Because people who have very few points on their driving records have not engaged in the above behaviors, they are known to be the safest drivers and less likely to need to file a claim for their car insurance coverage.

Car insurance companies are in favor of these types of clients very much, and this is just one more reason why they offer such low car insurance rates for very good coverage.

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The Need to Increase Business

As time goes by and people have kept their car insurance policies active with one car insurance company for several years, they begin to feel taken advantage of by these companies.

In times of recession when people are having difficulties paying their bills, they begin to drop their car insurance coverage, and the car insurance companies begin to lose a lot of business.

The result in the above scenario can be that car insurance companies will look for any reason to raise the rates of the responsible people who keep their coverage intact. This gives other car insurance companies an opportunity to convince these remaining customers to look into the products they have to offer.

The best way that car insurance companies entice car insurance customers from one company to another is to offer low car insurance rates. These car insurance companies can have excellent coverage and excellent service; they are offering lower rates to increase the numbers of new policies they write every year.

People in this situation can feel free to accept these low offers.

The Time to Be Cautious

Drivers have so many reasons why they would be offered low car insurance rates and these are legitimate offers in a lot of cases, but there are times when people may not want to take the car insurance company up on the offer.

After people have a chance to check car insurance companies’ records on how they run their businesses, they will be able to tell if the offer is worth taking.

For example, if by checking the car insurance company with the Better Business Bureau (BBB) the driver finds out that several complaints have been filed against the company and the company did not handle the complaints in a satisfactory manner, the low offer will not be beneficial.

Sometimes, the company’s customers complain because the car insurance company resisted paying what was due them.

If this is the case, the low price that the customer paid over the year is not going to console them when they cannot have their vehicles repaired. This would be an example of a time when the low offer is not worth taking.

Finding Many Car Insurance Companies

Finding car insurance companies that have low rates for coverage that is worth purchasing is easy when people use the comparison feature on this very website! Try it now for FREE! You will only need to enter a little information that will help several car insurance companies offer numerous quotes, with many low ones among them.

The long list they receive gives them the opportunity to have many companies to check with the BBB and purchase from the company that appears to have the best reputation. The other great advantage people receive is the fact that this comparison service is done for FREE. Go ahead and take advantage of this convenience to get your FREE quotes now!

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