Imagine buying a shiny new vehicle. You drive off the lot feeling great about your purchase. Additionally, you are pleasantly surprised that there was not much of an impact on the car insurance premium! A few months later, you slide off the road and hit a guardrail and total your car! You immediately call to file a claim on your insurance, only to hear shocking news. You have no collision coverage.
How did this happen? In a recent real-life scenario, someone added a new vehicle to a buyer’s car insurance policy with only comprehensive coverage. The insurance company confirmed they did not process the change. The local agency did not do it, either. Ultimately, it seems the auto dealership made the change, on behalf of the buyer. To keep the monthly payment low and save the sale of the new car, the dealer likely dropped the vital collision coverage.
The Ulterior Motive of Letting the Dealership Handle Your Car Insurance
Therefore, letting an auto dealership make changes to your car insurance policy is a massive financial risk. Dealerships primarily want to sell cars. They do not prioritize your financial safety. When you let a dealer login into your online policy servicing account, you give up control. For instance, they might drop an important coverage just to get you out the door. As a result, you pay the ultimate price when an accident happens.
Do Not Let Anyone Handle Your Car Insurance
To protect your family, you must handle your policy updates personally. Even better, it is a great idea to talk to a local independent insurance agent like AlphaSure Affordable Insurance Services.
An independent agent works for you, not the car dealership. Furthermore, an independent agency like AlphaSure Affordable Insurance Services can help you shop for both car or home insurance. Because they work with multiple insurance carriers, they compare different plans from top companies to find you the exact coverage you need at the best possible price. They will take the time to go over policy coverage, deductibles and limitations so that you will feel confident with the policy you have.
In conclusion, always take charge of your car insurance. When you buy your next vehicle, call your local independent agent directly and drive away with true peace of mind. Be sure to talk to a licensed insurance agent to discuss what your policy covers and the premiums.
