7 Costly Car Insurance Mistakes

Everyone driving a car needs car insurance - it's the law.  But getting the best car insurance at a decent price means taking care to avoid making any costly car insurance mistakes. If you find .a good insurance broker able to offer you options from several car insurance providers, your job of getting coverage that serves your needs with minimal hassle or confusion will be made much easier. But just in case you decide to go it alone in getting your car insurance, consider these tips in helping avoid making costly car insurance mistakes.

1. Don't pay too much. Nobody likes buying insurance and you won't appreciate what you have until you need to use it. Since it's illegal to drive without insurance, getting coverage is critical to getting on the road. Insurance can be a major cost in driving and the type of car you drive will have an effect on your insurance options. Your insurance budget will also affect the type of car you can drive.
2. Shop around. Comparing quotes from numerous insurance providers is the best way to uncover the best deals. This ties back to finding yourself a trusted insurance broker who can supply you with multiple quotes from multiple insurers. This takes the weight off your shoulders when it comes to shopping around.
3. Ask for discounts. There are numerous discounts offered by most insurers such as a safe driver discounts, discounts for having certain safety or security equipment on your car, good student discounts, loyalty discounts and many more. Always ask! Often you won't find out about discounts unless you ask.
4. Read the small print on your policy. Nothing's worse than thinking you're fully covered and then having a claim denied because you don't have the coverage you thought you had. Know what's in a policy and ask questions if you're uncertain.
5. Don't over insure. If you're driving an older car with minimal value, you might not need to have comprehensive or collision coverage.
6. Review your liability amounts. The minimum requirements for liability insurance on your car here in N.C. are low (30/60/25). Many experts recommend carrying three or four times the minimum amounts required or covering yourself with an umbrella policy.
7. Don't cheat. Don't leave off recent claims or driving convictions from your application. Don't insure your son's or daughter's car with you as the primary driver and them as secondary. That is illegal.