As we well know, owning a vehicle of any kind is a big responsibility and like any big responsibility, a person's main objective is to stay accident free. However, getting insurance is a time consuming Hassle but one that you must take in order to save money month after month. People find themselves paying ridiculous amounts of money for the insurance for their car or motorcycle hoping to get a break as well as save a little extra money, and I thought I was doing the same thing when I had my car but the insurance company wave me so little while having me pay so much for the car insurance.
Case in point, I remember when I bought my first car and I remember that I had to buy some insurance for it. So, I got online to research and saw a lot of insurance companies who were making good offers but those same ones were very expensive. I bought some cheap insurance for my car but the price was more than I could pay and I still had rent to pay, I was coming out of my pocket 100 dollars every month for the insurance which I hated because I always came up a little short on the rent.
Another reason why I hated paying for my insurance every month was because the insurance company I was with promised me that after I was with them for 3 months, my next due payment would only be 70 dollars instead of 100 dollars. However, when that next month came, I discovered that my payment was still 100 dollars; I later learned that I would not qualify for the 30 dollar decrease unless I was with the car insurance company for one year. I felt so betrayed by the insurance company because I really thought that they had my best interest at heart.
The really bad thing about the car insurance that I was paying every month was that it was only liability insurance which did not really cover everything, I also discovered that if I was ever in an accident then I was liable for finding my own auto body shop which sucked for me because I did not have the time to do that or worry about it. I hated paying for the insurance every month because I felt like every time I was there the rules would change and I felt like I had to give them more and more money in order to keep my car insured.
The largest negative experience with the car insurance company was when I finally did have an accident which was a hit and run from the other driver, and the liability insurance did not cover anything. When I called the insurance company to inform them of what happened, they told me that the situation was out of their hands and they could not fix it. The news only got worse, the insurance company also told me that I had to pay to get my car towed to a shop even though they told me in the beginning that the liability would cover the towing as well.
In closing, be mindful when you're buying car insurance because you might be getting ripped off when you think that you're getting a good deal or saving money.