Should You Lie To Your California Car Insurance Agent For a Better Rate?
Reader question:
Is it okay to lie about certain things in order to get a good auto insurance quote in California?
Mary
Thank you for your question, Mary.
Like they say, if you tell a white lie, it will turn into another white lie, and before you know it down the line, you will have an entire system of lies that you will need to control and remember. It’s never an idea to lie, especially when money is involved. While it is true that many people get away with it, many more get caught, and when you get caught out telling a lie it often ends up costing you more than you saved.
- Represent, don’t misrepresent.
Normally, car insurance companies have sixty days after they have given you your CA auto insurance quote and you have bought a policy in which they will be able to cancel your policy without any problems. This period gives them to research your insurance background, look at your CLUE report, credit history, and so on so that they can make sure that you are someone they want to insure.
However, if you misrepresent your information, then you can have your policy canceled anytime. For example, if you lie about a previous insurance cancellation, then if your car insurance company that had canceled you does not report it right away, your new car insurance company might not find out about this cancellation during the sixty days that they during which they are looking for your information. After the initial sixty days, though, car insurance companies will usually look at your information again after they have given you your six month CA auto insurance quote, so if they find it then you might not have your policy renewed because of the bad information.
At times, lying to your car insurance company can get you in even more trouble. For example, while members of your household are covered on your policy, if your teenager is driving your car regulalry and you hadn’t added him to the policy to get a higher CA auto insurance quote, then if he gets into a car accident you might have your claim denied.
Cheers,
Fashun Guadarrama.
Cheap Car Insurance in Compton California – Free Rate Quotes!
I pulled into a car lot on the way to the store the other day, mostly in order to pine for the red Mini Cooper on display, but also to look around and see how it was operating at the time. I noticed, as anyone will notice when they stop by a car dealership, that many people were gathered around the expensive cars, the flashy cars, and basically the type of vehicle that will straight out guarantee you a high Compton CA auto insurance quote. It struck me then that many people don’t think about their Compton CA auto insurance quote when they go car shopping. As a matter of fact, thinking back to the car that I bought before my last one, I used to be one of them.
There are so many things to think about already when buying a new car, such as how to negotiate the monthly payments, how to avoid high interest rates, wondering whether your credit is okay or not, and pretty much anything but car insurance. The only thought I put into my Compton CA auto insurance quote was grabbing my extra copy of my insurance card as I went out the door and hoping I had a short loan term so I wouldn’t have to pay for full coverage for very long.
I would never think of doing something like that now, and this is because I have learned so much since then in my studies of the car insurance business and the information that I have gathered from them concerning how a Compton CA auto insurance quote is arrived at. A big percentage of the insurance score that determines whether you will have a good Compton CA auto insurance quote or a bad one depends on what kind of car you have.
There is a new study out that shows the top ten expensive cars to insure for this year, and I want to share it so that, on top of considering other factors that will affect your Compton CA auto insurance quote, you will also know which vehicles to avoid if you want a good price. Here they are.
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Ford F-Series
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Dodge Ram Pick up
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Ford Explorer
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Honda Civic
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Chevrolet Silverado C/K
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Toyota Camry
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Honda Accord
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Chevrolet Trailblazer
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Nissan Altima
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Ford Focus
The quotes that were sampled for this study were for a man at the age of 45 with low mileage, who has liability coverage of 300/100/50, as well as comprehensive and collision. For those two final pieces of coverage, the deductible was $250. It should also be considered that some areas in the country have higher insurance prices than others, so one Compton CA auto insurance quote might not reflect on everything else. However, these vehicles are good to keep in mind when you go car buying.
On the bright side, many car insurance companies have found ways to lower prices for their high car insurance premiums since last year. New discounts are cropping up all the time, and Esurance stands as one company that has seen rates drop 2-3%. Most states are seeing rates drop, except for the few who are having problems with fradulent car insurance claims, such as New York. In any case, if you avoid these cars, you have a much better chance of getting a great auto insurance quote.
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