The feeling of find very affordable car insurance quotes (Lower than industry average by a huge margin) is great. But aren't there things you should be wary of in such very low quotes? Let's take a brief look at what you must look for before signing the dotted lines…

1. How solid is the company in question? Do they have a good rating with independent financial rating institutions? You certainly don't want to buy from unscrupulous insurers who put unnecessary hurdles before policyholders when they file claims.

Check if they have too many complaints. Take note that every company will have complaints against them. What's bad is if they are repeated, unresolved and too many.

And to avoid been a victim of insurance fraud, ensure you're buying from a licensed insurance company. Every state deparment of insurance has a record of every insurer that is licensed to sell auto insurance in the state.

2. Does your super-low quote come with super-high deductibles? An insurer could give very low quotes and then place very high deductibles on the policy. This is neither good nor bad. It all depends on what your auto insurance needs are. Just make sure you get what serves your best interest.

3. If your driving record is NOT so great, make sure that their forgiveness period is good for you (Insurers have a given number of years after which they clear your records of any accidents or moving violations).

If, after checking for these things, you are satisfied then you can go ahead with the offer. There are many other reasons (good reasons) why an insurer's rate could be far lower than industry average.

Also, do your best to read through your policy details and have all your questions answered before you buy.

Do you want the cheapest rates that won't compromise you? Get and compare quotes from five or more reputable quotes sites now.