You could save X amount on your car insurance by switching to ABC company! Paying too much for car insurance? You’ll have plenty of opportunities to sort through the dozens of offers through your mail box (digital or physical) as the solicitations are seemingly never ending. While Mr. Mayhem is hilarious and his commercials never become old, the dubious assertions made by these large carriers do. Saving money on your car insurance is always a great feeling, but trying to file a claim with these titans of the industry is often less exhilarating.
Did you know most state minimum liability standards for car insurance are more than 30 years old? Most quotes offered by the big guys are estimated around those state standards. You may be paying less for car insurance, but it’s for coverage suitable for a Dodge Caravan circa 1985 and not the 2010 sedan you drive today. As medical costs have skyrocketed and car payments are more like mortgage payments of the 1980s, the car insurance most motorists carry is insufficient to pay for injuries and damages due to collisions and accidents.
The National Safety Council estimates the:
- Average cost for each death in a motor vehicle accident is $1.13 million
- Average cost for each nonfatal disabling injury is $61,600
- Average cost for each property damage crash (includes non-disabling injuries) is $7,500
Looking at these statistics, is the absolutely cheapest car insurance really saving you money? Do you think companies offering these bare bottom rates are in the business of accepting and paying out claims at those dollar figures? No one wants to pay more than necessary for insurance they hope to never use. Likewise, no one wants to find out they might as well have lit that premium on fire every month for all the good it did them when accidents happen.
When you contact our knowledgeable agents, you may not be speaking with a famous person, but instead with someone who does know car insurance. We can locate you a number of quotes from multiple insurance companies, ensuring the quotes you find will not only offer low rates, but also adequate coverage. We are also available to assist you in filing a claim. Our support doesn’t end once you’ve purchased a policy.