Avoid these costly car insurance mistakes.

The last thing that you want to do is pay more for your auto insurance than you have to.  Unfortunately, many car owners make insurance mistakes that end up raising their rates.  If you do not want to pay for high auto insurance premiums, then make sure you avoid these costly mistakes.

Canceling Your Previous Coverage Too Early

If you want to switch from one insurer to another, it’s important that you do not cancel your existing policy too early.  This can create a coverage gap that can leave you vulnerable.  For instance, if you canceled your policy a couple of days before you new one started and you got into an accident during this gap, then you would be responsible for all the costs associated with the accident.  So, to ensure that significant costs do not come out of your pocket, make sure that you do not create dangerous coverage gaps.

Lying or Omitting Information When Applying for Insurance

While telling a little white lie or concealing certain pieces of information from your insurer might not seem like a major deal, this actually constitutes insurance fraud.  If you get caught lying, then you may experience an increase in your auto insurance rates.  In some cases, your deception can actually result in an insurer denying you coverage.  If this should happen, then you would be flagged as high-risk, making it extremely difficult to find an insurer willing to cover you at an affordable rate.

Failing to Use Discounts

Finally, if you are not applying for every discount that you qualify for, then you are overpaying for your auto insurance.  This is why it’s so important to do some research and learn about all the discounts that you may have access to.  You may be surprised to find out that you are eligible for considerable auto insurance savings.

Avoid making these mistakes with your auto insurance if you do not want to increase your rates.  Do you have additional questions regarding your car coverage needs?  If so, then contact the experts at Scautub Agency in Scotia, New York.  We are ready to assist you with all your coverage needs today.