How to Tell if You're Going to Get Ripped Off When You're Shopping for Auto Insurance Quotes

How to Tell if You're Going to Get Ripped Off When You're Shopping for Auto Insurance Quotes

Thanks to the number of scandals that have hit the airwaves over the past decade, big businesses have a reputation. A lousy one. Once upon a time, drivers trusted their insurers completely. Now, they're all convinced that their insurance company is only out to make a buck, and ripping them off in the process.

You have to wonder. Is there a way to tell if you're going to get ripped off (sooner or later) when you're shopping for auto insurance quotes? Of course there is.

Now, before we go any further I have to clarify. Most insurance companies aren't the scum sucking pigs they're made out to be. It's fun to vilify the

Your insurer may not be fighting off your checkbook, but most of them aren't out to rip you off either.

corporate icon when they're going up against "the little man", which is why Hollywood does it religiously. Most insurance companies just want you to be satisfied with their service and protected when you're out on the road. They're going to give you honest auto insurance quotes and take care of your claims so you walk away happy.

Unless, of course, they don't.

There's an exception to every rule. As much as it pains me to say it, insurance companies wouldn't have the reputation they have if someone, somewhere, at some time, hadn't decided to rip their customers off and skate away with the profits.

Since no crooked insurance agent worth their salt is going to tell you their company's going to rip you off when they give you your insurance quotes, it's going to be up to you to spot the warning signs and get out before you've invested thousands of dollars in premiums for coverage that isn't worth the chair you're sitting in!

Do yourself a favor. Have your car appraised. The value of your car is at the heart of your auto insurance quotes. If they're charging you an arm and a leg to insure a car with a $500 resale value, they're pulling a fast one. Believe me, their appraiser is going to keep that check as low as possible! Why pay more in a single month than you're ever going to see if they total your car?

Listen to the questions they ask. A good company will try and save you money on auto insurance quotes, running through their list of possible discounts to see if there's anything you might have missed. If they're not asking you about your car's safety features, where it's parked or anything else that might minimize their chances of having to pay out a claim, they just don't care. Don't waste your time asking for quotes. They're going to rip you off sooner or later.

Save yourself the headache and cut them off at the pass.