Getting Auto Insurance Quotes – Beware Of Scammers!

It is a sad fact of life in the 21st century that scammers abound everywhere and they have now turned their attention to auto insurance. If you are looking for auto insurance quotes you may come across offers which look as if they are too good to be true.

If this is the case, they most likely are. Tempting advertisements will offer rates that appear to be so low that you would be crazy not to grab them. However, in most cases the opposite is true.

One of the ploys they use is to ask for a referral fee. However, you should under no circumstances pay such a fee; licensed agents and insurance brokers charge no fees to you – the consumer – whatsoever. They get their commission from the insurance company with whom they place your business.

Never make any sort of premium payment by transfer or money wiring service. Insurance companies and brokers do not operate in ths way. Make sure to check that you are dealing with a licensed agent or broker. Depending on your province you should find that your government website can provide a list of licensed businesses.

In many instances, people who have been caught in this way do not find out about it until they are involved in an accident or pulled over by the police for a traffic violation.

The dangers of driving without appropriate insurance cannot be stressed enough. If you are involved in an accident there may be certain benefits which you are unable to claim. If the accident was your fault you can be held personally liable for any medical expenses and other costs of people who were injured. This could include friends or relatives traveling in your own vehicle.

Ultimately the law says that you are responsible for seeing to it that you are covered by the appropriate insurance. If you suspect that the auto insurance quotes you have been given may be fraudulent, contact the police.

At Sharp Insurance we are only too happy to show you our license so that you can be 100% sure that you are dealing with a reputable, well-established company.

How Do I Choose The Right Insurance Company?

Insurance is important, and we all know that. Being insured can save you a lot of money in case there’s a mishap. Choosing a good insurance company, however, isn’t the easiest of things. For a start, there are many insurance companies out there, and they all make a lot of promises, so it can be difficult to know which one to go for. The other problem is that you don’t have a lot of idea of how insurance works, how you get those insurance quotes, etc.

It’s obviously not impossible to find an insurance company: with some time and effort, you can easily find one that serves you well. You need to first make a list of the good ones you can find. Your state’s department of insurance’s website may be of great help here. You may even ask others for references and search online for a local insurance company (for example, insurance company in Calgary if you live in Calgary). Just make sure that you have a few options to start with. The more options you have, the more educated your decision generally is.

Factors to look for

Reviews & References: The first and the most important thing I’d do is look for the company’s references and reviews online. There are numerous sites where people who have had experience with these companies. Reviews can be really helpful especially because they are detailed and from real people. You will find that the exact questions you have in your mind are answered in these reviews. Read a few of them; it will help you narrow your list down.

Check their ratings: There are numerous private companies that conduct outside audit of insurance companies and assign a rating. These ratings can be especially useful, but you need to understand how these systems work!

Check their quotes: Get a quote from them and pay attention to everything, not just the price. Look at what they are offering you as an entire package and compare them. You can see now why I asked you to get multiple quotes instead of just one. The more you have, the better decision you end up making. Consider your needs and how their offer fits in with your needs.