Several hours can be spent over the phone or online receiving quotes from automobile insurance agents. It is a pain to give dozens of various agents your details. To be sure you have the absolute best possible premium you must shop around and compare. The major headaches begin after you start a policy to find the quoted price was much less expensive than you are being told to pay. This happens all too often when a driver does not give accurate information to the quoting agent.
You should expect that bad information given during the quoting process will only lead to a bad quote. There is no way for the agent to give you a real truthful quote if you have given them false information. You may not want to tell them about your tickets but they will find out and it could affect your policy price.
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.
There are some insurance companies that will not tolerate dishonesty at all. It will not matter if the findings raise your policy or not for some, the simple fact you lied will be enough for them to refuse you coverage. Even if you spend hours finding the cheapest quote and even sent the down payment in to start the policy you run the risk of the insurance company coming back with a rejection for coverage after they run your credentials and find that you withheld important information or outright lied. This is considered nondisclosure and all insurance companies have the right to reject you for it.
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 Portal that provides consumers with the best Online Insurance Quote Options.
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