Cheap auto insurance = Bad coverage?
The old saying goes “You get what you pay for”. You pay very little, you can expect very little back. But if you shell out the big bucks, you should be getting the best possible services that your money can buy. But is this strictly true?
Maybe at one time it was. A long time ago. But with so many companies selling so many different things, it just isn’t that simple anymore. In our current times, spending obscene amounts of money does not guarantee you top quality service. In fact, it doesn’t guarantee you anything. In a lot of places, there is almost no correlation between money spent and services rendered.
There has been many times where I’ve spent hundreds on something expecting the world, only to be left frustrated and disappointed. Though this is harder to do with physical products than it is to do with renewable services, contracts, etc.
Now, I find it very difficult to make big one-off purchases. I really do my research before buying anything and a lot of thought goes into every purchase. But when it come to things like my energy bill and my auto insurance bills, I end up letting it slide, even though I can get things for much cheaper.
Especially with my auto insurance bill. I’m currently paying exorbitant prices for pretty much useless coverage. If having auto insurance wasn’t legally required, I would actually be better off not having insurance whatsoever than having the current contract I’m on. If I’m in a traffic collision and I’m at fault, I’ll be footing almost the entire bill for both parties. If you saw just how much I pay, you’d expect that I’d have everything covered, no excess. But unfortunately, that’s not the case.
My annual contract is reaching the end and it’s time for me decide if I’ll stick with this extortion racket or if I should look elsewhere. The obvious and only real choice, is to switch.
If, like I said, price seems to have no correlation to service, then I should be able to get full coverage for a much lower price. If there’s no correlation, then it should work both ways; Low price, great service.
I’ll get myself on the well-known comparison sites to find myself a great deal. I’ll let these comparison sites do all the work and find out who has the cheapest auto insurance with low, low excesses.