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Car insurance is a pretty boring topic, we can admit. This is probably why there are dozens of mascots trying to get you excited about savings that may actually cost you in the long run. Here are four mistakes to avoid when shopping for car insurance. One: Only Buying The Minimum Amount of Insurance. Many of us uncheck the boxes for things like liability and collision insurance. That may save you a few bucks up front, but it’s essentially like playing a worst-case-scenario lottery. If something bad happens to your car, or to someone else’s car that you’re liable for, you will find yourself in a lot of trouble. You’re better off paying a little more every month than risk not being able to afford to repair or replace a car after an accident. Two: Not Shopping Around For the best Quote Every Year Over two thirds of us just sign a paper and renew their existing insurance policy every year. But you can actually save a lot of money by shopping around every year. With each year, factors change, such as how many points are on your license, your age, and whether or not you bundle your insurance. Take a few minutes and get free quotes from three or four insurance companies such as www.insureagogo.co.uk. Three: Not Knowing What You’re Getting Insurance companies don’t just sell one product. They sell a wide range of products, and it’s the broker’s job to match you up with the insurance coverage you need. But it’s also your job, too. It may not be easy, but it’s always worth the extra time to get more details about your insurance company. Ask what will happen in a crash before you get in one. Four: Being Dishonest with your insurance company You might think you’re being smart by saying you park your car in your brother’s address in another town. But if your dishonesty comes to light, you could have your insurance revoked. Your insurance adjuster, like your doctor, is one person you shouldn’t lie to. Insurance can be complicated, but when there are thousands of dollars at stake if you are in accident, it helps to know that you have the right insurance for you. Safe driving!
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