Cheap and cheerful, right? That’s not always the case with car insurance.

In today’s society, we’re led to make sure that we can save where we can. From extreme coupon clipping to shorter showers, we’re in the age of saving money. While we’re often led to believe that cheaper is always better, it’s not always the case. When you’re buying something of value, such as insurance, you want to make sure that you’re getting all of your money’s worth, of course. However, you also want to ensure that you’re not limiting your coverage by making your vehicle, family, and finances vulnerable! Is cheap car insurance worth it? Before you select the least expensive policy that you see online, here’s why it may not be best for you: Minimal coverage means minimal protection. If you only aim to acquire your state’s minimum liability coverage, you may save a few dollars every month. However, you could pay out an enormous amount if you need to file a claim. Higher deductibles equal higher out-of-pocket expenses. One of the easiest ways to save on car insurance is to raise the deductibles. Doing so will increase the cost of filing a claim as you’ll have to pay more out of pocket. Bear this in mind when choosing your policy. Low limits increase liabilities. Available limits can seem staggeringly high. Possibly even beyond the levels of damage that you imagine you might inflict. Even so, you’d be surprised at how fast these limits can be reached and breached. In turn, you’ll be left to foot the bill for the excess damages. Before you buy a limited insurance policy that doesn’t cover even the basics, talk to the professionals at North Central Insurance Agency. We serve Elk River and neighboring cities in Minnesota with reliable car insurance policies to suit their needs, vehicle, and lifestyle – all at an affordable price. Contact us today to learn how you can save!