Auto Insurance Scam
Low, low rates!
If you're a US resident and drive a car, you need insurance. It's the law in 48 states (minus New Hampshire and Virginia). But it's not cheap, averaging over $815 for annual coverage. Consumers will gladly shop around in hopes of discounts and promotions to lessen their financial burden. So, who wouldn't be tempted by callers offering special, super low, low rates?
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What You Should Know
Most often a telemarketing robocall, the caller will tell you that you've qualified for lower car insurance rates due to a review of your driving record. They might even tell you that there have been rate changes within your ZIP code. There is a small chance you might get transferred to a real person, but typically you'll end up being directed to voicemail telling you to 'press 1 for more info' where you'll be prompted for answer some questions. Of course, the scam is NOT about selling you insurance. It's about getting your personal information.
How YouMail can help stop auto insurance scams today
YouMail is the leading solution for getting rid of robocalls and we are proud that our customers are protected from scammers, spammers, and other unwanted callers. Best of all, it's a 100% free service available for everyone!
Here are a couple of REAL voicemails
left with YouMail customers.
Hello! We offer special rates as low as $29 per month with companies like State Farm GEICO nationwide and Liberty Mutual. If you're tired of over paying for auto insurance. Press "1" to be connected to an agent. Press "2" to schedule for another time or press "9" to be removed from our list.
Hello there. I'm Sharon calling with a special offer just for you. Your excellent driving record has qualified you to get a significant discount on your car insurance. It's a discount you don’t want to miss. Why spend over $2000 a year when you can spend less than half?! But hurry. This offer expires soon. Press "1" to connected to an agent or press "9" to be removed from our list.
What you should do
Don't believe that a car insurance company will seek you out unless you've been actively shopping for new coverage. If it sounds too good to be true, it is! So, don't believe an offer of a $250 policy when you know rates are normally $2,500 - it just doesn't add up. Hang up, block the number and be sure to report the call by filing a complaint with the Do Not Call registry. On the hunt for more affordable car insurance? You'll have to find it the old-fashioned way, by online comparison-shopping or talking to an agent or two.
Our best advice
"Our best advice is really the most effective. Don't answer calls from numbers you don't recognize. Let voicemail be your new best friend. And if you hear a message like those described above, just press delete. Definitely check out YouMail's online phone directory to validate if the caller's number has negative reports or is from a known scammer. ",