Top 2 Auto Insurance Questions Answered
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How complicated could insurance be? The word insurance is something all people have a general idea of already. Because it is something that gets thrown across conversations, people assume that what they know is enough. And if they have questions, they hesitate asking because it would look foolish. But not asking questions and pretending to know everything about something could get you into trouble. In auto insurance, you could be risking the security of your vehicle because you lack understanding.
So to save you from trouble, here are the answers to two of the questions encircling your head, which you can not verbalize. However, remember that there’s no harm in raising questions and clarifying some hazy points with your auto insurance agent.
Why does my insurance cost more than the agent said it would?
This is not an uncommon phenomenon; it is called a “misquote”. There are different factors that determine a premium. These include the place you live in, the kind of car you are insuring, how much you use it (mileage), coverage you ask for, your driving records and of course your age. When there is an error in reporting these facts, the error translates to the quote. But even though you gave the facts correctly, you still have chances to get misquoted when your agent makes a mistake applying the company’s rating system. In other words, misquotes happen when your application information differs from your actual driving record.
If you think you can fool your insurance agents by providing fake information, think twice because most insurance companies check with the state’s motor-vehicle divisions to verify the records you give them. In fact, if they see that you had plans fooling them, they will give you higher premiums. The best advice given to all people planning to get auto insurance is to give the insurance agents the accurate and honest information they need. And if you have doubts, you can always verify the data you have before forwarding it to the company.
Why is it harder to get insurance when if others in my household have bad driving records?
Many insurance companies will think twice giving you auto insurance when you live with relatives who have bad driving records. For example, your teenage child who has poor driving records could be the reason why you find it difficult to get the rate you want since he or she is considered insured under your policy. However, there are still other companies who may not include these family members from the policy. In contrast to this, some companies could be too rigid to not insure you at all unless every driver in the household meets their requirement. This is because, as long as they are living with you and know how to drive, they can always take your car.
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