5 Common Mistakes When Buying Car Insurance (and How to Avoid Them)

Buying car insurance in the U.S. can feel overwhelming. With so many options and providers, it’s easy to rush into a decision. Here are five common mistakes drivers make—and how you can avoid them:

1. Choosing only the cheapest policy – A low price may look attractive, but it often means less coverage. In the event of an accident, you may end up paying more out of pocket.
2. Forgetting about discounts – Many companies offer discounts for safe driving, bundling home and auto, or even paying your policy in full. Always ask what’s available.
3. Not updating your policy – Moved to a new address or bought a different car? Your insurance needs change, and failing to update can affect both coverage and price.
4. Ignoring your driving record – Tickets, accidents, or even long periods without insurance can impact your rates. Be proactive about improving your record.
5. Not shopping around – Sticking with the first quote you receive could mean missing out on better coverage at a lower price. Compare at least three providers.

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