Don’t Accept Your First Quote
Even with several discounts, solid coverage, and an affordable rate, you don’t want to accept your first quote right away. Typically, auto insurance providers will save your quote for at least 30 days, so you have some time to shop around and make comparisons.
The only way to know whether you’re getting the best coverage at the lowest price is to compare quotes from several providers. Car insurance agents know that savvy customers want to compare quotes, so don’t be afraid to break down your other offers with an agent to see if they can sweeten your policy.
Don’t Lie About Your Driving History to Get a Better Deal
If you’re looking for a new plan or renewing plan, one of the worst things you can do is lie about your driving history or background to get a better deal. Lying about your driving history on an auto insurance application is illegal, a form of insurance fraud, and can lead to legal ramifications.
Car insurance companies have millions and millions of data points that can identify inconsistencies in your application and find out about DUIs, accidents, traffic violations, and other unfortunate aspects of your driving history. Some companies will flat-out reject your application if they think you’re not being honest. If you’re already a customer and they discover you lied about your driving history, they could cancel your policy mid-term.
So whether you’re talking about your current car’s condition, driving history, or a recent accident, tell the truth. The alternative is not worth it.