There are a plethora of reasons why purchasing auto insurance in Suffolk County NY area may not be on your list of favorite activities, including the fact that it can be expensive. Though you may not love the idea of being required to pay for auto insurance, it’s still important to make wise choices when buying a policy from an insurance company. Check out these three common mistakes that you’ll want to avoid as you shop for car insurance.
Buying Minimum Coverage
In an effort to protect all drivers, the law does require that you purchase a minimum amount of car insurance coverage. Unfortunately, many believe that this minimum liability coverage means that they have an adequate insurance policy. Before you settle for the minimum coverage, consider what you’ll lose if someone pursues you for significant damages after a serious accident or what you’ll have to pay out if you hit an expensive car. If you can’t afford to pay out of pocket in these situations, you should think about getting more coverage.
Not Being Truthful
When purchasing an insurance policy, it’s a must that you are forthcoming with the most accurate information. You may be tempted to be dishonest about who will be driving the car, what you use the car for on a regular basis, and whether or not you’ve had any recent traffic violations. However, you should be aware that insurance companies often discover the truth at a later date, and it’s likely that you’ll be asked to pay higher premiums or be dropped from the insurance company altogether once they find out.
Getting Double Coverage
If your main goal is to spend as little on your car insurance premium as possible, it’s important to make sure that you aren’t purchasing coverage that is unnecessary for you. Before you say yes to anything, check your other insurance policies and warranties. You may be covered for towing under your car manufacturer’s warranty, and your medical insurance may be able to cover you for auto accident injuries. Not having enough coverage is a bad idea, but paying twice for the same type of coverage isn’t much better.
Obtaining good Auto Insurance is not only the lawful thing to do, but it can protect you from a lot of financial issues. When you avoid these mistakes, you’ll be able to find the policy that will offer the maximum amount of protection at the best possible price.
