It's a great thing to find an auto insurance quote that is several hundreds of dollars lower than industry standards for your profile.
However, like everything out there, you need to make sure of a few things before you buy such an affordable policy.
Indeed, you need to make sure of a lot of things even if the quote is expensive.
1.
What's the company's rating? Unless you do NOT ever intend to make a claim even if you need it, you'll need an insurer that will treat your claims promptly.
Some companies that offer rates that are too low sometimes have unimaginable hurdles you must cross before you can get your compensation.
Check if they have too many complaints.
Take note that every company will have complaints against them.
What's bad is if they are repeated, unresolved and too many.
Furthermore, make sure the insurer in question is licensed to sell auto insurance in your state.
Check with your state's department of insurance to verify this.
2.
Have you checked what their deductibles are? Some insurers could, by default, have very high deductibles while offering super low rates.
Are you comfortable with their deductibles? If you're NOT then you can pass off the offer and look for another.
3.
What's their forgiveness period? Traffic violations and accidents are usually cleared off a policyholder's record after a given number of years.
What's it for this insurer.
This should be of particular interest to you if you don't have a very great driving record.
If, after checking for these things, you are satisfied then you can go ahead with the offer.
There are many other reasons (good reasons) why an insurer's rate could be far lower than industry average.
But do make sure you understand the details of your auto insurance policy before you sign the dotted lines.
Do you want the cheapest rates? Get and compare quotes from five or more reputable quotes sites now.