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Investing in auto insurance requires careful planning. To complete this process, you must consider your assets and the best way to protect them. You also need to consider the risks facing you. Owning a vehicle means taking steps to protect other drivers sharing the road with you as well.image of a person on a computer getting an insurance quote

It is easy to make mistakes during the purchasing process. You can avoid them with a little attention. Consider some of the most common mistakes applicants make when purchasing car insurance.

#1: Not providing accurate information.

You don't want to tell the insurer about that ticket. You don't want to tell them about your previous claims. However, this information is available anyway. Insurers usually have access to a driver's previous claim and driving record.

What you don't want to happen is for your insurer to think you are lying to them. Be honest about your current insurance and driving record. This ensures you receive an accurate quote, too.

#2: You fail to report all drivers using the car.

Sure, you want to keep costs low. However, it is important to allow your insurer to know who is likely to drive your vehicle.

If you have teens or high-risk drivers in your home, be sure to provide information about them. In some cases, it is better to list the driver as excluded from your policy instead of stating he or she will not use your vehicle.

#3: You didn't tell your agent you use the vehicle for business.

It's important to list any use of your vehicle clearly. If you use it during your normal business activities, let your insurer know that. This is important for protecting both your business and the vehicle itself. It may not raise your costs but it can help provide liability insurance. You may even need to upgrade to commercial auto insurance to better meet your needs.

#4: Where did you state you park your car?

If you park your vehicle in an open lot you'll likely be in a higher risk situation than if you use your home's garage. Let your agent know the true state of where you park the car. It could save you money.

#5: You don't accurately report mileage.

Take the time to determine how many miles you drive your vehicle. Be honest here. The agent may find it hard to give you a good rate if you are not.

Provide accurate information to your insurance agency. Your auto insurance plan should match the amount of risk you present. And, you don't want to miss discounts.

We've got you covered. Call First Independent-Descamps Insurance Agency at 888-513-8784 for a fast, free quote on auto insurance.

Also check out these blog articles for more information:

How Millennials Can Lower Their Auto Insurance Rates

Do I need Comprehensive Auto Insurance?

Posted 3:16 PM

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