Hey guys, I am going shy away from writing about Remus exhausts and talk about a problem we as drivers have been facing. 2009 was a bad year for many of us in the automobile industry. With record low sales, repossessions, and record bankruptcy filings, buying new vehicles was the last thing on everyone’s mind.

Let’s do a quick recap of 2009, to prove my point. 2009 saw the birth and death of the disastrous Cash for Clunkers fiasco. Yes, dealers were able to move a few new models in the beginning, only to have the irresponsible default again on the new loans. Motorcycle sales were so poor that many Japanese manufacturers decided not to import 2010 models because the 2009 models were still sitting on showroom floors!

So, this brings me to my concern. What happens to auto insurance companies when no one is buying any new vehicles? Sure, people still have to insure their old cars, but with the economy the way it is, they probably stick with liability coverage only. With less new auto loan companies requiring full coverage, the insurance companies are making less money.

Enter discount auto insurance offered by online companies. By moving business online, companies cut out many costs associated with traditional offices. No office rent means less supply costs. No office equals less employees to pay. Employees working from home will use their own computers. Etc. etc.

But with so many of these discount auto insurance boutiques opening up, the quality of service tends to take a downward spiral. No more one-on-one face time with your insurance adjuster, because time is money, and they have many other clients. And with profits being razor thin, companies tend to watch out only for themselves, which in turn hurts the customer.

My point, and advice? Stick with the larger, more established auto insurance companies, if you can afford it. When and if you should be in an accident, it will pay off. However, if like the rest of the millions of other Americans, you are strapped for cash, and are a relatively safe driver, then by all means, try one of the discount auto insurance companies online.

If nothing else, they usually have great websites that are chock full of free information. Most of these discount auto insurance websites have different pages on how to apply for discounts, what to do if you need to file a claim, etc, etc.