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Avoid making these mistakes while buying auto insurance

Avoid making these mistakes while buying auto insurance

Auto insurance is mandatory, and one must buy or renew policies with every vehicle they acquire. The premiums and coverage vary between states, so you must compare and purchase policies accordingly. First-time buyers tend to make some common mistakes and end up with insufficient insurance coverage. Vehicle owners need to ensure their auto insurance provides adequate protection. Here are six such mistakes to be wary of while buying auto insurance.

Failing to research
Don’t buy insurance only based on the cheapest quotes you can find online. Not all policies will be beneficial as they will have varying coverage and limits. Use tools available for comparing the top insurance quotes for auto insurance. For example, Gabi is a dedicated platform recently acquired by Experian, one of the three premier credit rating agencies. The service locates the best policies online based on your coverage needs and allows you to switch to the new coverage hassle-free directly from their platform. You save time, money, and effort while getting better coverage. The Zebra is an alternative platform that provides similar third-party services for comparing best quotes.

Paying only the minimum coverage
All states mandate a minimum policy to be taken by drivers who own a vehicle. But you can opt for higher insurance coverage depending on your daily driving needs and the availability of resources. Many qualifying criteria may result in claim rejections due to insufficient coverage. While it is necessary to meet the mandate, it is equally important to pay for a decent policy to consider all possible liabilities for the claim. Paying for sufficient coverage may increase your monthly premiums but save you from shelling out hefty out-of-pocket expenses arising from unforeseen liabilities. At the same time, avoid taking excess coverage as you need to consider your needs and ask for custom quotes to arrive at the right premium price.

Not asking for discounts
You don’t have to pay the total premium quoted by the insurance company. Many qualifying criteria are eligible for discounts while applying for a new policy. For example, insurers will consider factors like vehicle usage, the number of current policies, automobile safety features, special driving permits, and even recording vehicle stats that the company can track. The more additional terms you agree to, the cheaper your quotes will be for auto insurance. Also, hire an expert to appraise the vehicle and compare the terms of multiple policies to narrow down companies that offer the most competitive rates.

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