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Avoid these Mistakes when Searching for Auto Insurance Car Quotes

The Search for Auto Insurance Car Quotes

The mission is always the same – to find the cheapest auto insurance possible that still offers enough coverage to be worthwhile. Searching for auto insurance car quotes can be a time consuming process, and because of that people tend to make mistakes that could have easily been avoided.

Mistake #1: Sticking With a Current Provider for a “Discount”

Insurance providers usually offer more than one type of insurance. In fact, all the top providers – Allstate, State Farm, Progressive, Liberty Mutual – offer not only car insurance, but life, health, and home insurance as well. They will commonly offer policy holders a discount for opening another policy with them instead of going somewhere else. At face value this seems like a good idea and many people jump on it. In reality, that “discount” may still be much higher than the rate offered by a different company. Keep this in mind when looking for cheap auto insurance quotes to save money.

Mistake #2: Taking a Quote at Face Value

Most instant quotes are provided based on one or two criteria. While this is an excellent way to get a basic idea of where the premium will stand, it doesn’t take all the factors into consideration – factors that may have a huge impact on the final premium. The best route to take is to compare car insurance quotes, and then follow up on that rate by speaking with a representative of the company to get a more detailed figure based on factors such as your age, driving history, car type, geographic location, and much more.

Mistake #3: Changing the Primary Driver

Everybody knows that teen car insurance is much more expensive than insuring an established middle-aged driver. Because of this, some people seem to think it’s a good idea to put their own name on the insurance form when in fact the insurance is for their son or daughter. This is not only a huge mistake that can end up costing a lot more in the long run, it’s also illegal. Falsifying any information on an insurance application amounts to insurance fraud and comes with a hefty fine.

Mistake #4: Entering Into Long Term Contracts

Quotes are usually provided for the cheapest rate possible, and most of the time that entails an extended coverage policy with a long term contract that may specify required coverage for five years or more. Additionally, these often come with a lot of fine print, and if you don’t read every word you can easily end up with coverage that you don’t want or need. The best payment plan is a yearly contract, which is either renewable or able to be terminated at the end of every year.

Avoiding these simple mistakes can save you a lot of hassle once everything is said and done. Finding auto insurance car quotes online is an excellent way to find cheap quotes, but just make sure you understand everything you’re getting into before signing a contract.

 

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