Everyone wants cheap car insurance - and some will go to great (and even illegal) lengths to get it. If you're ever tempted to pull a number like these to lower your premiums, remember that if you are caught, your policy could be canceled:
Fort Own your address. Because of crime and traffic urban drivers often pay more for auto insurance than in the suburbs. If you live in an area that is expensive to insure, you may be tempted to use a relative or friend's address on your car insurance application. Do not. Using your primary address - the one where your car is normally garaged or parked - on any insurance forms.
Lie about mileage. High-mileage drivers typically pay more for insurance. If you spend a lot of time on the road, insurance companies because, your odds of an accident higher. What is "much?" Mileage cutoffs - and the premiums you have to pay for them - will vary from company to company, but run more than from 12,000 to 15,000 miles each year will often put you into a higher layer. Say you drive less than you do may seem like harmless fudging the truth, but it's still not a good idea.
Bending the truth about vehicle use. Using your personal car primarily for business may not seem like a big deal, but from your insurance company perspective, it changes your risk. Therefore, companies may wish to buy a business auto policy and may charge you more. Deliver pizzas, for example, puts you into the category "business use". Do not try to get out of it. If you're not sure if your drive can be characterized as commercial use, ask your agent.
Lying on the main driving force. If your children pay sky-high car insurance rates because of their age or driving record, you may have considered to insure their car in your name instead - especially if you with to pay premiums. Nobody gets hurt, right? Not so fast. This is called "fronting" and no auto insurance company permits. Not lie about the primary driver of any car policy.
Pulling a fast one on your insurance is a bad way to try to get cheap car insurance. Instead go legit. Ask your agent to review any discounts. Consider dropping collision and comprehensive coverage if your car is old. Raise your deductibles. And most importantly, keep your driving record clean.
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