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Mistakes You May be Making When Applying for Auto Insurance

By October 30, 2019June 9th, 2020Auto Insurance

You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or no financial assistance in the event of an accident. We don’t want that to happen to you so below are a few things to think about when applying for new auto insurance.

  • Not listing all drivers—Anyone who continuously drives your vehicle, even if it’s just for a short period of time a week, should be listed on your policy.
  • Giving a false vehicle location—The difference between parking in one zip code versus another can greatly affect the amount of coverage you need for your vehicle. Failing to report your car’s true location can impact the accuracy of your insurance quotes.
  • Not reporting your driving infractions—It’s best to be upfront about your driving record to avoid any conflicts or discrepancies. Your insurance company can easily retrieve any driving records from the DMV to application check the accuracy of your application.
  • Not disclosing business uses—In some cases, you may need a specialized policy when driving for business purposes or for a rideshare company like Uber or Lyft. Failing to take the proper steps could lead to a lack of coverage following an accident.
  • Failing to update life changes—Changing addresses or adding another driver to a vehicle are all life changes that need to be updated on your policy. By not reporting changes, you may be overpaying for coverage and missing out on available discounts.

Did you also know that if you have children and they are not licensed then they do not need added to your policy until they are at least 16 and have a valid drivers license.

Be Honest on Your Application to Avoid the Consequences

Inaccuracies on your auto insurance application can end up costing you more money in the long run. If you think that you may have given false information on your auto insurance application, call your insurance agent to update your auto policy and avoid any ramifications.