To avoid costly mistakes when getting an auto insurance quote in 2025, follow these expert tips:

• Provide Complete and Accurate Information: The most common and costly error is failing to give full details about your driving history, vehicle, address, and all regular drivers. Omitting or misstating information—intentionally or not—can lead to inaccurate quotes, higher premiums after underwriting, or even policy cancellation.

•  Focusing only on the lowest price often means sacrificing important coverage. Cheap policies may have high deductibles, limited coverage, or exclusions that leave you exposed when you need protection most. Balance affordability with adequate coverage and service quality.

•  Relying on just one or two quotes is a mistake. The same coverage can cost hundreds of dollars more or less depending on the insurer. Compare at least three to five providers to find the best value.

• Review Coverage Details Carefully: Don’t assume “full coverage” means you’re protected from every risk. Understand what’s included, what’s excluded, and select coverage and deductible levels that match your needs and risk tolerance.

•  Failing to update your policy after significant life events—like marriage, moving, or buying a new car—can leave you underinsured or paying more than necessary.

• Don’t Overlook Discounts and Bundling: Many people miss out on savings by not asking about discounts (safe driver, multi-car, student, etc.) or bundling auto with home or renters insurance.

• Be Honest About Your Credit and Driving Record: Insurers often check your credit score and driving history. Providing false information can result in denied claims or policy cancellation. Your credit score can significantly affect your premium—drivers with poor credit may pay up to 88% more.

•  Picking a deductible that’s too high or too low can backfire. Make sure it’s an amount you can afford to pay out-of-pocket in case of a claim.

•  Policies and personal circumstances change. Failing to review your coverage each year can mean missed discounts or gaps in protection.

• Don’t Ignore Policy Exclusions: Always read the fine print. Some damages or uses (like commercial driving) may not be covered by standard policies.

By avoiding these mistakes, you’ll get more accurate quotes, better protection, and potentially save hundreds on your premiums in 2025