If you are about to apply for auto insurance, it's crucial to avoid certain errors. You must know that most mistakes made during the application process lead to severe consequences. For example, the insurance provider may cancel the policy, increase the rates, or declare that you have insufficient coverage. As such, it's better to consult an insurance agent if you aren't sure about some details.  

In most cases, learning automobile insurance plan application errors will ensure the process runs smoothly. More importantly, you will increase the chances of getting financial protection after an accident. Here are common errors you'll need to avoid.

Not Stating the Accurate Mileage

Most vehicle owners will guess their mileage or state a lower mileage to reduce the premium rates. Please note that while this technique may work for some time, the insurance providers will eventually note the inaccuracy. For instance, if a car is involved in an accident, the mechanic will state the accurate mileage before sending a report to the insurance provider. 

Moreover, standard service records and smog emission tests can show mileage discrepancies. In such a case, the insurance company won't pay the policy benefits you need to cover your expenses. So ensure you report the accurate mileage as you fill in the online application.

Failing to Mention Driving Violations

Another common error among car owners is omitting driving violations and accidents. This happens because most people fear such information will categorize them as high-risk drivers, increasing their premium rates. You should know that it is best not to hide these infractions from the insurance company. Usually, these companies request detailed traffic reports of all their customers. With this in mind, if they realize that you omitted some driving crimes, they may decide not to offer coverage. What's more, the error will be considered a lie, whether done intentionally or not.

Not Sharing the Parking Location

While calculating premium rates, insurance carriers often consider your neighborhood's security status. As such, if you park the vehicle on the street, the rates will increase significantly. This happens because vehicles parked on the main street are more prone to accidents than sheltered ones. Also, kids can easily damage the vehicle as they play. So, ensure you share your exact neighborhood and parking status to avoid jeopardizing your coverage.

As you can see, avoiding various mistakes when applying for your auto insurance plan is crucial. In doing so, the automobile insurance company will have no option but to be financially liable. 

Contact a local automobile insurance company to learn more.