3 Common Errors That Increase Your Car Insurance Rates

Avoid These Mistakes That Could Cost You

Car insurance rates vary greatly between drivers. Drivers with a history of accidents will pay more for auto insurance than drivers with a clean record. However, there are many mistakes that motorists make that end up costing them in auto insurance coverage, regardless of your driving history. Take a look at a few below.

  • Lying or omitting information

Some drivers deliberately lie on their car insurance quote form. They might fail to report a minor accident that happened six years ago, for example. However, other motorists may accidentally lie on their auto insurance application, saying that their car is 6 years old when it’s only 5 years old. Car insurance companies will research your application before accepting it, and do a good job of finding out if there are inconsistencies. If your insurance company finds out you’ve falsified information once you need to a file a claim, they could refuse to cover your claim after an accident and drop you from coverage.

  • Buying only basic liability cover

Many drivers choose to save money by only buying basic liability coverage required by the state. Although this can save you money today, it can cost you more in the long run. Remember that basic liability protection only covers damage to other people and property – it doesn’t cover damage to your own vehicle. That means a single claim can wipe out any savings you accured.

  • Unsafe driving habits

Quite simply if you practice unsafe driving habits, then you’re more likely to get into an accident. Getting a single speeding ticket might raise your insurance prices significantly, and unsafe driving habits can result in accidents. Tailgating, reckless driving, driving under the influence, and driving distracted are habits that should be avoided. Safe drivers can be eligible to steep discounts on car insurance.

When you’re looking to protect your journey and vehicle, talk to the team at Kneller Agency. We are here to help you find suitable auto insurance coverage that will protect you and your vehicle! We serve motorists in Chatham, Copake, Valatie, Tilden Place, and neighboring cities of New York. Contact us today to get started.

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