The Hidden Danger of Buying Auto Insurance Online

You’ve probably seen the ads: “Get auto insurance in 5 minutes for less than your morning coffee!”

It sounds great—until you realize what they’re really selling. Online insurance companies know that if they flash the cheapest price, you’ll click “buy.” And the way they do that is by putting you in state minimum coverages that leave your net worth wide open to risk.

The Problem With State Minimums

In Kansas, the minimum coverage is:

$25,000 per person for injuries

$50,000 per accident for injuries

$25,000 for property damage

But what happens when:

You total a $75,000 truck? Your policy pays $25,000. The other $50,000 comes after you.

You injure two people with medical bills of $300,000? Your policy pays $50,000 total. The rest doesn’t just disappear—it comes after your bank account, wages, and assets.

That “cheap” policy didn’t protect you. It just kept you legal.

What’s Really at Stake: Your Net Worth

When your coverage runs out, the other driver (or their attorney) can:

Garnish your wages

Go after your savings or retirement accounts

Place liens on your home or property

Everything you’ve worked hard to build—your net worth—is suddenly on the line because an online quote system cared more about speed and price than about your financial security.

There’s a Better Way

At Goodman Insurance Solutions, I do things differently. Instead of shoving you into the cheapest option, I:

Look at your vehicles, family, and financial picture.

Match your coverage to your risk exposure.

Explain everything in plain English so you know exactly what you’re paying for.

My job isn’t to sell you insurance. My job is to make sure one accident doesn’t undo years of hard work.

Imagine Two Futures

The Online Route: You save $20/month today… and risk losing your home, wages, and retirement after one serious accident.

The Protected Route: You invest a little more in proper coverage… and sleep well at night knowing your net worth and your family’s future are safe.

Which story do you want to be living?

Take the Next Step

Don’t let a flashy online price put your entire net worth at risk. Let’s build a policy that actually protects you.

👉 Feel heard. Get help. No runaround.