Five Most Common Ways to Spoil Your Auto Insurance

When you're shopping for car insurance, it's important to be aware of the different types of coverage that are available. Here are five common insurance mistakes that can drive your affordable Texas car insurance premiums up and how to avoid them.

Unsafe Driving

One of the most common ways you can ruin your car insurance is by driving unsafely. This includes speeding, making sudden turns, and driving without a license or insurance.

Another way to ruin your car insurance is by getting in a car accident. Even if you weren't at fault, if you have any tickets or accidents on your record your car insurance will likely be higher.

If you have a salvage or rebuilt car, your car insurance may also be higher because it's considered a high-risk vehicle. In addition, if you have any liens or judgments against you, your car insurance rates may be higher as well.

Not Maintaining Your Car

One of the most common ways to ruin your car insurance is by not maintaining your car. If you don't keep your car in good condition, it will become more likely to break down and cause accidents. This can lead to higher car insurance premiums and a longer wait time for repairs.

Ignoring Minor Problems

One of the most common ways to ruin your car insurance is to ignore minor problems. If your car has a small issue that isn’t causing any problems, it’s important to stick with it. Minor problems can easily become major issues if you don’t take care of them.

For example, if your car has a broken window that allows moisture and dirt into the car, it’s important to fix the window as soon as possible. This will prevent the problem from becoming bigger and more expensive to fix.

Similarly, if your car has a tire that’s almost bald, it’s important to get that tire replaced as soon as possible. If you wait too long, the tire could go flat and cause more damage to your car. By taking care of minor problems early on, you can avoid ruining your car insurance.

Unnecessary Claims

One of the most common ways to ruin your car insurance is to make unnecessary claims. If you accidently hit someone with your car, and they file a claim, your insurance company may decide to pay the claim even if it’s not necessary. This can cause your premiums to go up, and it may also affect your coverage.

Driving Under Influence

There are several ways that you can accidentally damage your car and ruin your car insurance. The most common way is by driving while under the influence of alcohol or drugs. This is a serious offense that can result in penalties including jail time and a loss of your driver's license.

Other Common Ways

Another way to ruin your car insurance is by driving without insurance. Driving without insurance can lead to fines and criminal charges. If you are caught driving without insurance, your car insurance rates may go up significantly.

Another way to ruin your car insurance is to have a history of accidents. If you have a record of getting into accidents, your insurance company may be less likely to offer you a policy. They may also raise your premiums, or exclude you from certain types of coverage.

It’s important to keep track of any accidents that you have, and to contact your insurance company if you are involved in an accident. This will help to protect both you and your car insurance policy.