Auto Insurance Quote Tips: Mistakes To Avoid

Auto insurance is an expensive yet essential outlay for vehicle owners. If you want to optimize your plan’s coverage and cost-effectiveness, your best option is to request and compare quotes from multiple auto insurance companies, including both manufacturer and third-party providers.

If you’re currently in the process of researching and comparing auto insurance policies, read on for our breakdown of three common auto insurance quote mistakes and how you can avoid them.

1. Not Taking Scammers Seriously

Auto insurance is a lucrative market for online scammers. The most common scams use fake website links or pop-ups to send you to a seemingly legitimate online insurance website. However, when you submit a quote inquiry, the web form will try to pry out sensitive personal information, such as your birth date, credit card number, or debit card PIN. Luckily, there are several ways you can protect yourself from scammers, from using a high-quality ad blocker to only working through well-known or established auto insurance providers.

2. Choosing a Policy with a Low Deductible

Although it sounds counter-intuitive, choosing a high deductible insurance policy is usually more affordable than a low deductible insurance policy. This is because low deductible auto insurance plans have much higher monthly premium costs.

3. Not Taking Advantage of Post-Quote Discounts

Because the auto insurance market is so competitive, vehicle owners can often negotiate lucrative discounts on top of their quoted insurance premiums. To increase your chances of receiving a discount, try to improve your credit score and maintain a clean driving record.

Photo: Pexels

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