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Newsletter

22Aug. 2016

“Cheap” Car Insurance Doesn’t Always Save You Money

You haven’t been in an accident in years. Your car is paid for. You’re a careful driver.

These are some of the things you probably tell yourself when you start shopping for a new Massachusetts auto insurance policy, especially if you’re looking to save some money. When you haven’t had to file a claim, it can be hard to understand what you’re paying for. “Cheap” insurance starts to look better and better.

Until the day you drive on a slick road, and you spin out. Or a careless driver slams into you on a busy highway.

In situations like these, the kind you can never predict, you find out very quickly just how expensive “cheap” car insurance can be.

Not Enough Coverage


When someone wants to save money on their insurance, they usually start by cutting their policy limits. If you’ve got the legal minimums, it won’t be enough. In 2013, the average cost of a bodily injury claim was $15,443. Now imagine if the accident was really bad, resulting in injuries to multiple people. It can add up fast.

Lack of Uninsured/Underinsured Coverage


Another problem with getting the cheapest auto insurance is that you probably won’t have underinsured motorist or uninsured motorist coverage. This is what protects you when someone else doesn’t have enough or any insurance to pay a claim on an accident you’re involved in. You don’t want to have to pay out of pocket for damage or injuries in an accident you didn’t cause. Without this coverage, you might have to.

Loss of Important Features


That cheap auto insurance won’t offer certain “perks” that only cost pennies a day: roadside assistance, rental reimbursement, and more. You hit a pole on slick roads and now you need a rental until your car is repaired. Without the rental feature on your insurance, you’re stuck paying the entire cost. The accident was bad enough that you couldn’t drive your car to the shop. Without roadside assistance, add the cost of the tow to what you’re paying out of pocket.

Poor Customer Service


Many companies who promise the absolute lowest auto insurance prices have to make up the difference somewhere, and it’s usually in customer service. They have less people working in call centers to help you make a claim or they rely only on their website. When everything is good and you just want to pay your premiums or answer a quick question, that’s fine, but when you’re stuck on the side of the road after an accident, what you want is someone to help you.

“Cheap” insurance comes at a cost. You’ll pay more out of pocket after an accident. You’ll pay more for services you could have had with a better policy. You’ll pay in time, energy, and frustration when you try to file a claim. When you decide to try out that “cheap” company or policy, remember one thing: you get what you pay for.

When you're ready to ditch the cheap policy and find high quality auto insurance at an affordable rate, give us a call. We can help you protect you and your vehicle without breaking the bank.

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Visit us at 150 Lower Westfield Road, Holyoke, MA 01040

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