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Serving Injured And Disabled Clients In Minnesota and Wisconsin

Three things that auto insurers won't tell you

Shopping for car insurance should seem simple. You look for a policy you can afford, you get information about the levels of coverage, and that should be enough to make a decision. Indeed, many insurers try to get your attention through promotions and catchy commercials (this is why Flo from Progressive and the gecko from Geico are famous). Nevertheless, through all the hype and money saving promises that car insurers throw out to consumers, there are a number of things insurers won’t tell you that if you knew about them, you probably wouldn’t do business with them.

This post will identify a few.

This is a good policy…for us, that is – Indeed, insurance agents can help you find policies tailored to your needs, but be aware that they may be geared towards maximizing the insurance company’s financial interests. So while you may pay a lower premium, the costs against you in the event of accident may not be in your interests.

We can insure young drivers…but it will cost you – Drivers under the age of 25, especially men, are statistically a high-risk group. Because of this, premiums for this group are going to be high. Nevertheless, if you have a clean driving record for a three year period, you may be able to negotiate a lower rate.

Poor credit means higher premiums – Insurers believe that there is a strong correlation between low credit scores and accident claims. Because of this, consumers with lower credit scores may be subject to higher premiums. However, statistics also show that a majority of people who file for bankruptcy do so because of some medical catastrophe (i.e. cancer diagnosis, severe injury) unrelated to a car accident.

These are a few things to keep in mind when dealing with an insurance company. 

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123 7th St S
La Crosse, WI 54601

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