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Bill Quickel's - Insurance Plus Agencies Inc. Blog

Three Mistakes To Avoid When Buying Auto Insurance

1/10/2020

73 Comments

 
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​It’s easy to think that buying auto insurance is one of those things that we’ll eventually get the hang of. But the truth is, it can be confusing to even seasoned drivers. Whether you're a brand-new driver, or just want to make sure that you're getting the best insurance you can buy, here are three of the most common mistakes that you'll want to avoid next time you buy a new policy:
  1. Buying the legal minimum protection. In most states, the only legal requirement for auto insurance is liability. This is the insurance protection necessary to cover the other driver if you are found to be at fault in an accident. Liability-only coverage means no comprehensive or collision protection. It also leaves nothing to protect you against theft or vandalism. Buying the legal minimum of protection legally implies that you’re willing to pay for these costs out-of-pocket. Additional protection can be considerably more affordable than you'd expect. So, it's worth looking through your options and getting more protection — even if you don't think your car is anything special.
  2. Shopping exclusively on price. Just because an insurer can offer you the lowest price doesn't mean they're your best option. Look up your insurer on websites like the Better Business Bureau and find out if they pay claims on time, if they're easy to work with, if they deal fairly with their customers. Look at your policy and make sure it provides a level of protection that you're comfortable with no creative exclusions.
  3. Leaving your insurer uninformed. Anything your insurer might need to know, tell them. If you initially told them that you were driving five minutes to and from work, and now you're commuting twenty minutes, let them know. If you had to rehaul the engine, or if you got married and now your spouse drives the car sometimes, let your insurer know. The only way that your insurer can guarantee adequate coverage is if they know what you're driving, where you're driving it, and who else might be behind the wheel.
It doesn’t have to be difficult to get the best insurance coverage at great prices. Don't be afraid to put a little time and effort into the process, know what you're buying, and know who you're buying from.
Blog post by: ITC
73 Comments
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1/25/2021 12:47:42 pm

Thank you for explaining that it is a good idea to check out an insurance company on the BBB's website before working with them. As far as I know, the BBB gives companies a certification when they are a reliable and safe company to work with. If an insurer has a BBB certification, they are most likely a good option to go with.

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9/16/2021 12:06:30 am

Liability-only coverage means no comprehensive or collision protection. It also leaves nothing to protect you against theft or vandalism. Buying the legal minimum of protection legally implies that you’re willing to pay for these costs out-of-pocket.

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10/8/2021 02:08:04 am

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10/27/2021 05:59:09 am

The only legal requirement for auto insurance is liability. This is the insurance protection necessary to cover the other driver if you are found to be at fault in an accident.

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Rick Jones link
11/11/2021 03:53:18 pm

I will avoid paying for the minimum protection. I want my car taken care of after an accident. That way insurance will be worth it.

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11/16/2021 09:50:53 am

Thank you for sharing this article. It is very important to not go with the baseline level for auto insurance. I had a friend do this and when she got into an accident, she had no coverage without even knowing!

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11/24/2021 01:41:57 pm

I like what you said about asking your insurer about optional riders. I need a policy that covers liability for my daughter. I'll have to hire an agent to help me with the policy.

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Liability-only coverage means no comprehensive or collision protection. It also leaves nothing to protect you against theft or vandalism.

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Thank you for explaining why it is a good idea to check out an insurance company on the BBB's website before working with them. Purchasing auto insurance is one of the trickiest aspects. Very helpful!

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I like what you said about making sure your spouse is aware of the policy. I want to reduce the premiums each month. I'll have to increase my deductible.

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5/31/2022 10:41:02 am

Thanks for the info about car insurance. My friend wants insurance for his new vehicle. I'll share this info about car insurance with my friend.

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6/6/2022 12:20:27 am

Thank you for sharing this one out.

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6/9/2022 06:09:16 am

It really helped when you talked about buying auto insurance and what we should do to get the right plan. My wife and I just bought a car together, and we want to make sure we're fully covered, so we'll start by finding an insurance agent next week. Thanks for the advice on always being honest with your insurance agent.

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6/13/2022 06:48:14 pm

I never knew that liability of your car is the only legal insurance requirement. My friend told me the other night that he was planning to have auto insurance that could provide the best insurance rates for the long-term coverage for his car, and asked if I had any idea what would be the best option to consider. Thanks to this informative article, I'll be sure to tell him that it will be much better if he consults a trusted auto insurance agency as they can provide more information about the best plan.

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Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.

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There is only liability insurance required by law for cars in most states. This means that if you are found at fault in an accident, the other driver will be covered, but you will not be. There is no protection against theft or vandalism either. More protection is usually not too expensive, so it is worth considering even if your car is not special.

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Just because an insurer can offer you the lowest price doesn't mean they're your best option.

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10/17/2022 09:13:37 am

It helped when you mentioned that we should choose an insurer that deals fairly with their customers. My friend wants to get auto insurance. I should advise him to choose a provider with a high rating from customers.

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10/18/2022 08:17:55 pm

Thanks for helping me understand that the usual legal requirement in most states is to get a liability insurance coverage. I should talk to a recreational vehicle insurance broker to know what we should actually get based on the regulations here in St. Petersburg, Florida. It's for the secondhand RV that we bought earlier this week.

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10/20/2022 10:51:46 pm

Thank you for clarifying that extra protection might be much cheaper than you would think. My sister recently bought a new car. I'll urge her to contact an auto insurance provider that offers additional protection for her vehicle.

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11/2/2022 03:27:31 pm

I like your suggestion to check the BBB to learn more about an insurer. My cousin bought a new car last weekend, and she needs to get it insured right away. I think that along with checking the BBB, she would benefit from asking the people she trusts for referrals to good insurance companies.

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I found it interesting that you mentioned how buying the legal minimum of protection has legal implications. My son is a first-time driver, and my husband and I are cautious of his safety. I should look into auto liability insurance near me and recommend what I find to our son.

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Thanks so much for talking about how dangerous it is to shop for insurance based on price. I have a friend who just got her first car and she's not looking for auto insurance. We'll have to be sure to find a provider that will communicate with her about everything.

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