Auto Insights

Avoid Costly Mistakes When Applying for Auto Insurance

Completing an auto insurance application is a fairly simple process. However, it’s still important to take your time and avoid making mistakes. Even the simplest error can lead to increased premiums, policy cancellations or insufficient coverage.

Here are some common mistakes to avoid when applying for auto insurance:

• Not listing all drivers – Anyone who continuously drives your vehicle, even if it’s just for a short period of time each week, should be listed on your policy.
• Giving a false vehicle location – The difference between parking in one zip code versus another can greatly affect the amount of coverage you need for your vehicle. Failing to report your car’s true location can impact the accuracy of your insurance quotes. 
• Not reporting your driving infractions – It’s best to be upfront about your driving record to avoid any conflicts or discrepancies. Your insurance company can easily retrieve any driving records to check the accuracy of your application.
• Not disclosing business uses – In some cases, you may need a specialized policy when driving for business purposes or for a rideshare company like Uber or Lyft. Failing to take the proper steps could lead to a lack of coverage following an accident.
• Failing to update life changes – Changing addresses or adding another driver to a vehicle are all life changes that need to be updated on your policy. By not reporting changes, you may be overpaying for coverage and missing out on available discounts.

We’re Auto Insurance Experts and We Can Help

If you have questions about auto insurance, or about an application you’re in the process of completing – contact the auto insurance professionals at VTC Insurance Group. You can reach us at 248.828.3377 or visit vtcins.com.

This blog is for informational purposes only and is not intended as legal advice.