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Auto insurance could be a sticky subject. Most times people dislike spending for any service they might or may not use. There are so many misconceptions about auto insurance, that it clouds your judgment and influences your decisions when buying insurance. Here are 4 rookie mistakes to avoid when buying your policy.

Mistake 1: Buying coverage in line with the minimum state requirement instead of considering your requirements and requirements.


Theo Gaucher

While it is vital that you satisfy the state's coverage requirements, it's more important to ensure the policy you choose adequately protects you, if you ever need it. Remember that while you need to meet your state's minimum requirements, choosing minimum coverage could give you additional expenses which you may not be able to afford should you ever need to make claims. Select a higher limit if you think you might not have the ability to purchase damages from your pocket. Choose your coverage wisely. You'll be glad for you did.

Mistake 2: Purchasing the cheapest policy, rather than giving a concept to what you will get for that price

It certainly is smart to get multiple quotes from a minimum of 3 different vehicle insurance providers, true. But when you're going ahead using the cheapest quote, you may be creating a mistake. Think about it- yes, it's great to get a cheap deal. Who doesn't like to save money! But car insurance isn't just about finding the cheapest deal. There's so much more to think about. Will they offer 24-hour claims service? How prompt could they be with following up claims? Is the service hassle-free? Do they purchase original manufacturer parts? Sometimes, you may have to pay for a little extra, as well as the service you receive, it could very well be worth the extra money, especially right after a stressful accident.

Mistake 3: Lying about your driving history in your auto insurance application

Honesty is definitely the very best policy. Especially when it comes to buying car insurance. Lying to your vehicle insurance company isn't advisable. Failure to reveal tickets, past accidents or other moving violations in your application could result in serious repercussions. For starters, your automobile insurance company might cancel your policy or perhaps deny your claim. Moving forward, other insurance companies might view you like a high-risk candidate and ask you for higher rates. So, if you're thinking about lying on your policy in order to save a few bucks, think again. Insurance providers possess a way of finding out about such things. They are doing check your driving history, driving records, credit score etc, so your lie will certainly be located.

Mistake 4: Assuming insurance companies doesn't need to become informed about life changes.

Car insurance rates depend upon numerous factors. Included in this are your age, sex, marital status, where you live, credit and driving history etc. So if there has been recent changes in your life- relocating to a different city, marriage, divorce, retirement etc, let your insurance carrier know as soon as you possibly can.

Create a mental note to prevent these mistakes before choosing your car insurance. You will be glad you did.

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