Car insurance scams or automobile insurance frauds as they are well known are schemes that strive to take advantage of your policy.
People will create an "accident" with you on the road and will convince the authorities that it is your fault therefore making you liable.
Your insurance policy money is their goal.
Since it is a large amount of money that they can claim, scammers will think of ways to get it from an innocent driver like you.
So, what can you do to avoid them? How will you know you are being scammed? Well, we will never know for sure because these swindlers carefully plan this out.
You just have to know which people and companies to trust.
Always be on the legal side and do not risk yourself just for cheap car insurance.
Here is a list of things that you can check on to avoid car insurance scams.

1. Always make sure that the insurance company that you are giving your money to have a good reputation.
   You can check your local department of insurance for a list of companies that have a good record in carrying out their jobs.
   These are the companies that have fewer complaints, have financial stability, and receive good reviews from their clients.
   The internet is also a good source of information, so look them up.
   
2. When dealing with brokers and agents, make sure that they are licensed and registered.
   Professionals are never hesitant to show you their certificates or proof that they are legitimate representatives.
   
3. Quotes can be easily retrieved.
   On the internet and on personal meetings with agents.
   To know if they are trying to get your money or not, evaluate the rates that they are giving you.
   If you own an old car and you have a clean driving record and yet they are giving you a quote for someone who has a brand new Mercedes Benz then find another company.
   
4. Never pay your car insurance in cash.
   This is a common mistake that people make.
   Once you have given your money, there's no turning back.
   Unlike when you give them money order or checks.
   It will give you leeway to cancel them if you sense that there is something illegal with the transaction.
   But if you paid online, always make a hard copy of the confirmation that you already paid.
   Print it out and keep it.
   This will serve as evidence in the future.
   
5. Staged accidents can happen.
   So be very careful on your driving so as not to be a victim of these people.
   

There are just some things that you need to keep in my mind to avoid scams.
Always be careful and investigative.