1. Avoid companies that have little history in the auto business. If the company goes out of business, you will have to pay for your own car repairs. "Cardinal Assurance" has been operating for less than 6 months although the site claims management has over 45 years experience in the field, they must be referring to some 3rd-party they are trying to piggyback, b/c this particular business that you reach when you call the # just started up and is a tiny start-up company. Dont be fooled. 2. Don't make a down payment... read full review »