Mistakes People Make During Their Auto Insurance Applications And How To Avoid Them
Whether it is your first time getting a vehicle or you have had one for a while, insuring it gives you great peace of mind. More so, it is an excellent way to cushion against liabilities connected to owning a car. However, the insurance application process is not simple, and a lot of information might seem confusing along the way. At the same time, mistakes in the application can negatively affect your application and even lead to you paying higher premiums. Here are some mistakes that you should avoid when making your insurance application.
Failing to Mention Where You Keep the Vehicle
Where you park the car is a factor deeply connected with its safety. For example, if you always park your vehicle inside the garage and lock it, the chances of it getting stolen or vandalized are low. Given this, your premium rates will be lower. On the other hand, if you park your car outdoors or out on the streets, it might get vandalized at some point which greatly determines the premium you'll pay. So, if you are not honest about where you park it, you will jeopardize your coverage.
Failing to Mention Business Or Commercial Usage
Most people use their personal vehicles for business trips and other commercial engagements. However, few people know that it is wrong not to list business travel as one of the ways that you use your car. You should know that a standard vehicle insurance policy might not protect your car if you travel long distances for business. Instead, consider listing all the business travel you intend to use your vehicle for, as this can help the insurer recommend the ideal policy.
Being Deceitful With the Mileage
Be honest when disclosing details about your vehicle's mileage. Most people don't take enough time to accurately calculate how far their cars have traveled before calling the insurer. Others deliberately lower the mileage with the hope that they will get lower premiums. In this case, you can speak to an auto mechanic about an assessment if you aren't sure about the accurate reading for your vehicle's mileage. Ultimately, they will help you avoid discrepancies that could affect your premiums.
Forgetting to Make Updates With Life Changes
You should update your policy documents as your life changes. For example, if you were single when buying the insurance and then got married along the way. Life updates help the insurer know who is using the vehicle, which minimizes conflicts in case of a claim.
You should know that you can fill out the insurance documents without incriminating mistakes. To do so, consult a reliable auto insurance agent and ask them to help you through the process. This will ensure you attain a desirable outcome.
Contact a local auto insurance service to learn more.
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