Dont Play The Fool: Avoid Car Insurance Scams

Filed Under Business |

by Steve Johnson

The car insurance industry is huge, and it is rife with less-than-reputable scammers trying to make a buck. The next time you’re in the market for car insurance, be forewarned…and forearmed.

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.

Be sure to buy your car insurance from a reputable company. Do your research, and be thorough. The internet is a great resource for information, and is good for finding lists of scammers and disreputable companies.

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.

Another red flag: Insurance companies that offer greatly reduced fees (compared to the rest of the market), or free months. As stated earlier, if it sounds too good to be true, it probably is. Accept the fact that car insurance is a necessary expense that all car owners have to live with. This doesn’t mean that you have to buy the most expensive insurance; just be a smart shopper. All car insurance quotes should be within the same ballpark.

If you do end up finding an insurer who is extremely cheap, you could end up paying a lot more in the end. If you were to get in an accident and find out your insurer is not real, you still have to pay for your mistake.

Bottom line: Do your homework. Time spent researching is time spent wisely, and could save you lots of money, and grief, in the end. Be sure you know what you’re signing up for before you make a commitment.

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