It can take several hours getting quotes from car insurance companies whether it is by phone or the internet. It is tedious to have to give several different agents your details. The only way to ensure you receive the best possible rate and most coverage is to shop around. The real aggravation begins when your find out your quoted policy is much less than what you end up paying. This is a frequent occurrence when drivers do not disclose all their traffic violations to the insurance agents creating the quotes.
You can expect that giving false information to an agent will only result in a false quote. You have no way to receive accurate quotes from the insurance companies if you supply them with bad information. That red light you ran last winter might not matter to you but to the insurance agent creating your quote it will matter.
The time frame for how long violations are used against you will vary from insurance companies. One company may have gave you a better price but will penalize you for the violations they find while others may have been slightly higher but would have not changed even with finding the violations. The only way to avoid frustration, waste of time and the possibility of wasting hundreds of dollars on an insurance policy is to be truthful during the quoting.
The difference between the times that insurance companies can punish you for a violation can be years. If you do not inform the agents about the violations you will have no idea which insurance companies will forgive you and which ones will punish you. Even after you begin a policy with an insurance agency based on the quoted price they can raise the premium upon discovering your violations. The other insurance companies may not have even charged you for the violation if it was past their time frame for recording. Be honest upfront and you will not have to worry about your policy being raised.
All that time you spent on comparing quotes for your car insurance was only to receive inaccurate quotes and be unable to make an accurate decision on which one really is the best for you. You might be surprised to learn that some insurance companies will cancel your policy if they find you were lying during the quoting process. It does not matter if you spent hours to find their quote the cheapest and already sent them the down payment to start your policy, once they run your information and find you were untruthful they can reject you due to nondisclosure.
It is astonishing that some people believe that the insurance companies will not find out about their violations. The insurance companies will always find out, so why go through the trouble of getting quotes at all? You may end up with a policy that is much higher than others and without giving the right information there is no way for you to know that. By being dishonest you not only increase your chances of being denied coverage but also the possibility of wasting hundreds of dollars on a policy that you could have gotten cheaper elsewhere.
Susan Reynolds is the webmaster for a leading South African Insurance Provider who specialises in Online Insurance Quotes.
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