You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or insufficient coverage in the event of an accident. Here are some common mistakes to avoid when applying for auto insurance.

• Not listing all drivers—Anyone who regularly drives or has access to your vehicle should be listed on your policy.
• Giving an inaccurate vehicle location—Where your vehicle is garaged impacts your premium. The difference between parking in one zip code versus another can affect the cost of insurance for your vehicle. Failing to accurately report your car’s true "garaging location" can impact the accuracy of your insurance quotes and could affect being covered for a claim.
• Not reporting your driving infractions—It’s best to be upfront about your driving record to avoid any conflicts or discrepancies. Your insurance company can easily retrieve any driving records to check the accuracy of your application.
• Not disclosing business uses—In some cases, you may need a specialized policy when driving for business purposes or for a rideshare company like Uber or Lyft. Failing to take the proper steps could lead to a lack of coverage following an accident.
• Failing to update life changes—Changing addresses or adding another driver to a vehicle are life changes that need to be updated on your policy. By not reporting changes, you may be overpaying for coverage, missing out on available discounts, or creating a situation that could impact being covered.

Be Honest to Avoid Consequences

Inaccuracies on your auto insurance application can end up costing you more money in the long run. If you think that you may have given inaccurate or incomplete information on your auto insurance application, contact your agent to update your auto policy and avoid any ramifications.