Sure, you've probably heard that in less time than it takes to watch an episode of "New Girl," you can find great savings on your car insurance. While this might be true, you could be missing other considerations when it comes to insurance shopping. Check out these tips for what not to do when getting car insurance to find a better policy and coverage for your lifestyle:
Don't avoid getting it
While not all states require car insurance, the majority do, making it unlawful to be without some form of coverage. Even if you're a safe driver, you still need car insurance. Not only will you be on your own to cover the costs of damage and injury in the case of an accident, but you could also be open to a whole new slew of fines if you are caught without it.
Don't mistake lowest price for best policy
When it comes to insuring your car and yourself while driving, the minimum policy might not be the best one for you. Minimum coverage can be enough to keep you lawfully insured, but it could be too little to cover all the financial risks that come with driving. If you hit a high-end car or become injured, for instance, your minimum coverage could fall short for covering the costs. Make sure you check out all aspects of a policy before you buy, not just the cost.
Don't forget to shop around
While you might have found a great rate online somewhere, it doesn't mean it is the best policy out there for you. Instead, be sure to compare rates and policies against each other before choosing one. Consider reputations of certain insurance companies too, and maybe go for one with stellar customer service.
Don't lie to your insurance company
There are several factors that determine your car insurance rates that require you to give a lot of information to your insurance company. While it might seem like a brilliant idea to tell a little white lie to reduce your monthly payment, it's not. Should those lies come to light, you could really be in trouble. Not only could an insurance company not cover your claim if you lied about your circumstances, but it could also drop you altogether. When it comes to relaying how many drivers you need covered on your policy, where you drive and park, how many miles you drive in a year and how you use your car, telling the truth is the best bet toward getting the right type of coverage.