How To Avoid Car Insurance Scams

The car insurance industry is huge, and it is rife with less-than-reputable scammers trying to make a buck. The next time you're in the market for car insurance, be forewarned...and forearmed.

Car insurance scams are more common than you think, so what can you do to protect yourself? First of all, don't just jump on the best deal you find. If it sounds too good to be true, it usually means it is.

When you are going to purchase insurance, make sure you purchase through a reputable company. There are many websites out there that are dedicated to posting lists of scammers and disreputable companies. The important thing is to make sure you do your research so you don't fall victim to car insurance scams.

Get quotes for free by becoming an AA car insurance member. When you join, you can get these quotes without obligation to any insurance companies.

Most car insurance companies in good standing will offer you free insurance quotes. If they ask you to pay for a quote, move on. The only thing a car insurance company should charge you for is the insurance premium, along with any associated taxes and/or fees.

Another red flag: Insurance companies that offer greatly reduced fees (compared to the rest of the market), or free months. As stated earlier, if it sounds too good to be true, it probably is. Accept the fact that car insurance is a necessary expense that all car owners have to live with. This doesn't mean that you have to buy the most expensive insurance; just be a smart shopper. All car insurance quotes should be within the same ballpark.

If you do end up finding an insurer who is extremely cheap, you could end up paying a lot more in the end. If you were to get in an accident and find out your insurer is not real, you still have to pay for your mistake.

The most important piece of advice to follow is to take your time and do your research. A little time spent now could mean saving lots of money, and a huge headache, in the end. Do not rush into anything before you know exactly what you are getting into.