in

10 driving mistakes which will INSTANTLY invalidate your insurance

7. Not Considering Online Insurance Companies

Unless you have complex insurance needs that require one-on-one counseling with an insurance agent, you might be able to take advantage of online insurance companies that save money by not having brick and mortar locations or independent agents that they have to pay commissions to.

Even if you can’t bring yourself to use a company that doesn’t have physical locations, you can go to many traditional insurance company’s websites to seek quotes and comparison shop. When you buy car insurance online, be sure to be accurate with any documents that you fill out. You won’t have an insurance agent to double-check the forms.

8. Not Considering the Cost of Different Drivers
Just because your teenager got their driver’s license does not mean you have to add their name to every car insurance policy in your household. You can probably save some serious money by adding them to the five-year-old family minivan, and not your 2018 Ford Mustang GT.

While the mere fact that teen drivers are in your household will likely increase the cost on all of your vehicles, being selective on which car policies you formally add them to can save you a lot of money. Of course, your teen driver may disagree with your choice, but insurance rates are based on statistics. They show that inexperienced drivers are more likely to get into trouble in high-horsepower cars than they are in more mainstream vehicles.

Likewise, if one member of a couple has horrible driving habits, with crashes and moving violations on their driving record, it is probably not a good idea to merge your policy with them.

If a driver is not listed on a policy, they should not be driving the vehicle. If something terrible happens, the insurance company could potentially decline any claims.