Why Cheap Car Insurance Isn’t Always Better

Finding the right auto insurance can be a challenge, especially when trying to stick to a budget. But choosing the cheapest coverage might not pay off in the long run. Here’s what to consider when looking at different auto insurance policies.

Deductible Cost

Auto insurance that has low monthly premiums often has higher deductibles, which means that the policyholder will pay more if they get in an accident. Drivers should make sure that their car insurance policy has a manageable deductible amount because accidents can and will happen.

Claims Support

Another way that budget car insurance providers cut costs is by reducing their customer service and claims staff. This forces their customers to jump through hoops to get the money that they need to fix their cars. Paying a slightly higher premium can often ensure that each case is given the right amount of care and attention.

Limits on Liability

Medical costs can be expensive after an accident, especially for the driver who is at fault. Texas has a minimum that auto insurance policies have to cover for injuries to other drivers. However, people who have been in serious accidents often need surgery and a hospital stay, which can end up costing significantly more than the state-mandated minimum. A policy that isn’t as cheap will have higher bodily injury protection limits than cut-rate coverage. This keeps customers from having to pay out of pocket for someone else’s medical bills.

Access to a Local Agent

Making a connection with a local agent can be extremely helpful when making claims, settling payments, and looking for discounts. Budget car insurance providers may not offer their customers this level of communication. In the long run, it may be more cost-effective to pay higher premiums for more direct access to the insurance company.

When choosing car insurance, you should look for comprehensive insurance that offers each of these benefits without exorbitant premiums. At RG Insurance Agency, we offer policies for cars, motorcycles, and homes. Our agents are available 24/7 to help you with claims or answer any questions you might have. To get a quote today, call us at 956-702-2705.