Discount Car Insurance: 4 Ways You Might Get Hurt

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In auto insurance, as in everything else, you get what you pay for. And the fact is, discount auto insurance will do little more than keep a car on the road, meeting the basic legal requirements. If you expect anything more than that, you might be disappointed.

Here are 4 ways discount auto insurance might let you down:

Slow — or non-existent — customer service

A decent car insurance company prides itself on the customer service it can offer to its customers. After all, it is much easier to keep an existing customer than it is to find a new one. But cheap auto insurance companies will sacrifice your long-term satisfaction to make a quick dollar upfront. They’ll cut costs wherever they can including in customer service and claims departments. As a result, they simply can’t provide the resources necessary to offer you anything more than a legal car — as long as you never make a claim. When that happens, good luck.

For example, many discount auto insurance companies use customer service automation. As a result, getting a live human being on the phone is difficult. Whether you’re dealing with claims or billing errors,...

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