Category: Insurance story

Very Cheap Car Insurance No Deposit: It’s Possible

Very Cheap Car Insurance No Deposit: Why an agent helped

[Here’s a story of what happened to one of my happy clients]

The accident was my fault. I completely accept responsibility because there really was nothing I could have done. I have heard that wet leaves can be as dangerous as ice but I thought it was an overstatement. It isn’t. I was actually going under the speed limit because it was dark and the road I was driving on didn’t have a lot of street lights. I went around a bend, lost control, and hit a phone pole. The other vehicle involved swerved to miss me and hit a phone pole on the opposite side of the street.

Luckily, no one was hurt. Thank goodness. The other car wasn’t going too fast, either, because the driving conditions were seriously bad. It could have been a lot worse. I don’t even want to think about what would happen if it had been a few months later and I’d have skidded on ice instead of leaves.

After the dust cleared and I dealt with my insurance company, I realized that there was no way I was going to be able to stick with them. Even after years of being a loyal customer and never filing a claim, the accident substantially raised my premiums. Even when I tried to cut back to the most basic coverage, it was too expensive. So I had to look elsewhere.

I didn’t have a lot of luck at first. A lot of companies wanted a deposit. Which I understand to an extent but it was as if my decades of driving without an accident didn’t matter at all. I had to shop around until I found an agent that was willing to listen and help me out. You’re probably thinking that’s impossible and I thought so, too! When they’d answer the phone, I’d say, “Let me explain…” and I’d either head an audible sigh on the other end of the line or the person would just cut me off. 

The agent, Sonedna that ended up being willing to help me listened from the second someone picked up the phone. I don’t have coverage that’s as comprehensive as I had before the accident, but I ended up with a policy that gives me more than the legal minimum for a lot less than I’d have to pay at my old insurance company. Very cheap car insurance no deposit, who would have thought it was possible? Finding Sonedna made finding the cheapest auto insurance possible!