6 Mistakes To Avoid When Purchasing Auto Insurance

​Buying Auto Insurance is as important as buying your first car. Some people tend to make mistakes that eventually cost more than their policy. It may lead to underusing some benefits or paying for unexpected costs.

Many need to take the time to know about the insurance process. Avoid these mistakes in purchasing Auto Insurance:

1. Not knowing your goals
   There are basic and minimum requirements that state laws have for drivers to abide by. This may mean something other than basic coverage is what you need. You might have different circumstances, lifestyles, or skills that need a different set of insurance policies. 
   
   
2. Honesty during the application process
   Did you fill-up the application honestly? Insurance companies may deny claims in the future if you do not fill up the application honestly. Some might not be able to claim at all. Make sure you have filled out the application with all truthful answers to have an easier process during your claim. 
   
   
3. Knowing and understanding the terms of your policy
   It might hurt you in the future if you do not understand the policy you purchased. Understanding terms and conditions can save you money or time in an accident. It will be beneficial to know the coverage and limitations of a policy. Ask for help from experts and advisors you trust. You also want to take advantage of some benefits that you might need. 
   
   
4. Settling for low coverage limits 
   Getting into the minimum requirement that states are asking for could be better. There are other benefits that insurance policies can help you like Personal Injury Protection, Uninsured Motorist Coverage, and Liability. These can be additional policies that you can include in your plan to get more protection.
   
   
5. Allowing high excess
   Since you want the lowest rate possible for insurance premiums, you may go all out on excess. This "excess" is another cost you must pay since your policy does not cover it. When an accident happens, it may cost you additional costs for repairs to your property. 
   
   
6. Not shopping for discounts and bundling options
   Be critical in finding discount opportunities that you can take advantage of. Many companies create options to bundle policies like life, home, and motor insurance. Some give out discounts for minimum miles or average traveled miles per year. You can also try asking for multi-car insurance options from your agents and advisors.  

Conclusion
Getting auto insurance can be a hassle to some, maybe because of filling out several documents or having  interviews. But this is an important part of obeying the law and being a responsible driver and a car owner. You can always ask for advice from agents and your insurance company for better options.

At Kapasu Insurance Services Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (760) 995-3853. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!