When it comes to car insurance, Perth drivers are always looking for the best deal. Unfortunately, that apparently cheap car insurance may not be such a bargain. Here are five car insurance mistakes that may be costing you more than you realise.
Not Checking Your Details:
Your address, age, profession and vehicle details can all affect the cost of your best car insurance. Perth drivers should check insurance documents to ensure that they are correct. For example, your insurer will base your premium on an evaluation of the area you live in and whether it is high risk for vehicle theft or accidents. Of course, if you move you will need to inform your insurer as your premiums may need to be adjusted accordingly. If your details do change, and you fail to notify your insurer, in the event of a claim, your insurer could refuse you a pay out.
Modifying Your Vehicle:
While adding enhancements to your vehicle can certainly make it more appealing, it could be an insurance mistake. When you modify your vehicle, it is likely to be deemed as an increased accident risk by your insurance company. Additionally, modified vehicles tend to be more expensive to repair, which also increases the insurer’s risk. If you do modify your vehicle, you will need to inform your insurer. Even if this attracts a more expensive premium, you could risk a claim being refused in the event of an accident.
Failing to Maintain Your Vehicle:
Vehicle safety should never be overlooked, but it can also impact your insurance. Worn brakes, tyres, and suspension, together with poor wheel alignment could be a major hazard when driving. Not only is this highly dangerous, but it could also compromise your insurance coverage. All insurers require that vehicles are properly maintained and should you suffer an accident, an insurance assessor will pick up on it if your vehicle has been neglected. You could have your insurance payout compromised and mark yourself as a higher risk for future insurance.
Going for Super Cheap Car Insurance:
While everyone loves a bargain, sometimes a deal can be too good to be true. This is often the case with bargain basement cheap car insurance. Don’t just assume that a low cost deal is as good as others. You may find that the excess is higher and the coverage is lower. Additionally, the deal may not include extras available as standard on other policies such as courtesy vehicles and legal protection.
Being a Distracted Driver:
Although most of us have a million and one things to do each day, when we’re in the car driving needs to be our number one priority. Being a distracted driver is not only dangerous, but speeding tickets and other fines will increase your insurance costs.
If you are in search of a great deal on your car insurance Perth drivers should speak to us. At Peel Subaru, we not only have a wide selection of Subaru vehicles, but we can also offer exclusive cheap car insurance deals. Speak to a member of our team today for a competitive quote.
