When you apply for car insurance, it's important to do it right, or you can be under-insured or not covered at all. Here is an excellent article by Debbie Swinney about this important issue.
Tips to Help Fill Out Auto Insurance Applications
Tips to Help Fill Out Auto Insurance Applications
Do's and Don'ts of filling out the application:
1 - Do report all the drivers for each vehicle. Even teen drivers and those in the family with traffic infractions should be reported. If a driver who is not listed is involved in an accident then your policy may be canceled or the premiums may raise. Teen drivers are not likely to count as a primary driver, thus raising your premiums, unless they have a car of their own.
2 - Do be sure to write down the actual parking location for the vehicle. Garages are better for insurance purposes but if you do park on the street regularly make sure you notate it as drive by accidents are more likely. If you park under a covered patio make this known to your agent as well. This type of coverage might not provide a discount but it may count as one so you might benefit from telling your agent.
3 - Don't report false mileage. The actual mileage driven should be listed, within reason. Of course we all drive our cars more or less than the average on a monthly basis but report if you drive to work 10 miles one way instead of reporting it is only 2 miles one way. Accident repair quotes and other documents notate mileage on the auto revealing if it significantly different than reported on the application.
4 - Do mention to your agent if your vehicle is used for business. Even if you only travel occasionally you want your insurance company to know about it. Longer trips raise the statistics of traffic accident occurrence. You want to be covered in all circumstances.
5 - Don't forget to update policy information when it changes. If you change autos, drivers, or miles driven do let your agent know as this can just as easily lower your premiums as it can raise them. You might benefit and we all know that a lower monthly premium is a good thing for our budgets.
Being honest on your auto insurance application will allow your agent to fully find every discount available to you and help you to plan ahead for when the infractions will drop off your record thereby lowering your premium. These tips will help keep your auto insurance current and ensure a claim will not be prolonged or even denied should an accident of any nature occur.
1 - Do report all the drivers for each vehicle. Even teen drivers and those in the family with traffic infractions should be reported. If a driver who is not listed is involved in an accident then your policy may be canceled or the premiums may raise. Teen drivers are not likely to count as a primary driver, thus raising your premiums, unless they have a car of their own.
2 - Do be sure to write down the actual parking location for the vehicle. Garages are better for insurance purposes but if you do park on the street regularly make sure you notate it as drive by accidents are more likely. If you park under a covered patio make this known to your agent as well. This type of coverage might not provide a discount but it may count as one so you might benefit from telling your agent.
3 - Don't report false mileage. The actual mileage driven should be listed, within reason. Of course we all drive our cars more or less than the average on a monthly basis but report if you drive to work 10 miles one way instead of reporting it is only 2 miles one way. Accident repair quotes and other documents notate mileage on the auto revealing if it significantly different than reported on the application.
4 - Do mention to your agent if your vehicle is used for business. Even if you only travel occasionally you want your insurance company to know about it. Longer trips raise the statistics of traffic accident occurrence. You want to be covered in all circumstances.
5 - Don't forget to update policy information when it changes. If you change autos, drivers, or miles driven do let your agent know as this can just as easily lower your premiums as it can raise them. You might benefit and we all know that a lower monthly premium is a good thing for our budgets.
Being honest on your auto insurance application will allow your agent to fully find every discount available to you and help you to plan ahead for when the infractions will drop off your record thereby lowering your premium. These tips will help keep your auto insurance current and ensure a claim will not be prolonged or even denied should an accident of any nature occur.
Debbie Swinney is able to help you with your Kansas insurance needs and answer any questions you may have regarding policy choices.
Source: EzineArticles.com.
Thank you Debbie! That was a fantastic article!
Nadav
nadavs
Source: EzineArticles.com.
Thank you Debbie! That was a fantastic article!
Nadav
nadavs
No comments:
Post a Comment