Even if you are an experienced motorist, buying car insurance is never fun. There is a lot to figure out about car insurance. While purchasing car insurance can be intimidating, there are pitfalls you can avoid to get the most out of your coverage. Main Street Independent Insurance Agencies Inc. of Ft. Worth, TX, has listed important things you should know about car insurance.

Failing to understand your policy

It’s a big mistake failing to understand your policy. It’s best to understand the ins and outs of your policy to avoid surprises when filing a claim. Understand the risks covered by your policy. Likewise, get to know what isn’t covered by your policy.

Read your policy to understand what it covers, exclusions, and limitations. Equally, talk to your insurance agent to know more about your policy.

Lying about the personal information

When your records aren’t right, there is always the urge to falsify things here and there. The reality is that you will be found, at least when filing a claim. When the insurance underwriters do a background check and realize that speeding ticket or the fact that you are not a student, you will pay for your lies by paying high premiums.

Sticking to the state-minimums

You will pay less premiums by adhering to basic car insurance, but you will pay dearly when involved in a significant accident. Basic car insurance can only do so much when faced with significant liability claims or when your car is written off.

Being lazy in research

When looking for any insurance, including car insurance, you don’t fall for the first offer you receive. Carry out basic research and compare offers from different insurance companies. Don’t be tempted to sign up for the first service you find.

Need more guidance on auto insurance? Please contact Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX for all your car insurance needs.