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Top 7 Auto Insurance Mistakes to Avoid

November 29, 2021 Auto Insurance

Did you know that Michigan drivers are subject to new laws concerning auto insurance? Drivers can now choose up to six options for Personal Injury Protection coverage. With the latest reform, it’s more important than ever to choose the right kind of car insurance and ensure that your vehicle has adequate protection.

At Encore Insurance Group in Michigan, our team has over ten years of experience helping our friends and neighbors find the right insurance policy to protect their valuables. We provide custom coverage solutions, a fast and efficient claims service, and a personal touch that sets us above and beyond the rest.

Contact Encore Insurance today by calling 248-466-0200 to speak with one of our friendly insurance agents.

The Most Common Auto Insurance Mistakes Drivers Should Avoid

1. Not Knowing How Much Coverage You Need

The first mistake for many drivers is not knowing how much coverage they need. Minimum coverage may be tempting, but it usually doesn’t offer anywhere near the level of coverage most drivers need. If you financed your vehicle, the law requires you to get full coverage. You should carefully consider every factor before your decision, including:

  • How much you drive every day
  • Your vehicle’s value and cost
  • Typical driving conditions in your region
  • Your driving experience

2. Skipping Out on Your Homework

Another common mistake drivers make is not taking the time to do research. Here at Encore Insurance, we do all the research for you, giving you a complete list of comparisons between local companies and the level of coverage each one offers. By making an informed decision, you can find the right level of coverage to suit your needs while getting the best savings possible.

3. Cutting Coverage to Cut Costs

Many drivers tend to choose the cheapest policy because they think it’s the best way to save money. However, that’s not true. You might pay more for premium coverage, but you’ll save more money in the long run if you ever need to file a claim or repair your car after an accident.

4. Forgetting to Update Your Policy

If you ever have to add a driver or change your auto policy, it’s crucial to file those updates immediately. While forgetting isn’t the same thing as being intentionally dishonest, you still won’t have coverage if you let an uninsured driver operate your vehicle and there’s an accident.

5. Being Dishonest on Your Application

People may think that it’s harmless to stretch the truth a bit on their auto insurance application, but we can’t stress enough how unwise that is. For one, most insurance companies have trained experts that can quickly spot inconsistencies or lies. You need to disclose any previous claims and all the drivers you’re going to insure.

If you were to get in an accident and your insurance company discovered that you lied on your application, they would most likely cancel your policy and refuse your claim. You don’t want a cancellation on your record, either. It makes it more difficult to get approved for car insurance in the future.

6. Having the Wrong Deductible

Most people choose a higher deductible because it means they’ll pay less for coverage each month. However, that’s not always a good idea. Lower deductibles mean higher premiums, but you’ll pay less out-of-pocket in the event of an accident. Consider all the relevant factors before you decide on your deductible amount.

7. Not Reviewing Your Policy During the Renewal Period

If you’re not reviewing your policy during the renewal period, you could be missing out. You could even find out that you now qualify for new discounts. If you don’t reevaluate, you could end up paying more than you have to for car insurance.

Contact the Auto Insurance Professionals at Encore Insurance Group

If you need car insurance in Michigan, call the experts at Encore Insurance Group. Our professional agents provide tailor-made coverage solutions to give you protection and peace of mind. Contact us today to speak with one of our friendly insurance agents and explore our comprehensive coverage options. Call us at 248-466-0200.