Cheap Car Insurance Company in Houston
Reader’s Question:
This car insurance agent called up my home number offering some pretty unbelievably cheap car insurance rates. I expressed interest, but I suspect it’s a scam. What do I do? He said I might be able to get coverage for $39 a month?
Jackson
Houston, TX
Indeed, the agent from that particular company offering $39 car insurance rates is, indeed, suspicious. But don’t call the police just yet. Here are some ways to protect yourself and verify if the agent is legit or not:
• Don’t give information – don’t give out bank accounts or credit card numbers over the phone or on the internet, whether you think the agent’s suspicious or not, not until everything checks out with the agent.
• Check with the Texas Department of Insurance – if a company’s licensed with the TDI, it’s a safe bet that they’re legit. Do not ever, ever sign up with an insurance company that’s not licensed in the TDI. Also, be very careful when it comes to the exact name of a company: “Insurance Company X, Inc.” is a different corporate entity than “Insurance Company X.”
• Check with the insurance company – even if the company is licensed with the TDI, the ‘agent’ that’s calling you may be bogus. Get the full name of the agent, get the contact details of the company from the TDI and give them a call or send them an e-mail.
True, it’s not good to pass up on a good deal, but it’s even worse to fall prey to fraudulent insurance or scams. These three steps by themselves won’t do much apparent good, but they’re the baby steps for you to protect yourself from harm. Use them well.
With that said, you MIGHT be able to get $39 a month coverage, but it will be basic liability and I would bet you have to have perfect credit and no claims history on your record. Then again, just because it’s cheap doesn’t mean you will get the protection you really need, and the real reason why you want insurance in the first place.
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