4 Things You Should Tell Your Insurance Agent About

Technology innovations during the past decade have had a significant effect on the ease and convenience of day-to-day life, especially when it comes to driving and riding in cars.

Many vehicles are now equipped with technology to assist drivers who are on the road, helping to avoid collisions or mitigate their impacts. Need a ride? Simply summon a car with a few taps of an app and a driver arrives within minutes to take you to your destination.

What vehicle owners need to know, however, is some of these revolutionary changes might affect their auto insurance rates.

Here are a few items you should discuss with your agent.

Mileage changes

Say you use your vehicle to commute daily to a job, or perhaps you constant go on long drives which results in more mileage on your car. Let your agent know about your updated annual mileage – it may save you some money on your policy! Utilizing on Guardian Life Motor Insurance can be a great tool and can work to save you some more money based on your driving habits.

Change in vehicle use

Today, earning some extra cash can be as easy as driving someone to the airport or dropping off someone’s egg rolls. Using your car for your side hustle – such as driving for Uber or taxi, dropping off KFC or Pizza Hut, or delivering packages – should be discussed with your insurance agent, as a standard personal auto insurance policy may not cover these activities.

Adding a new driver to an existing auto policy

Sharing a vehicle with a spouse, allowing your new teen driver to get behind the wheel or letting your roommate run a quick errand in your car are all commonalities in today’s world. However, the consequences of allowing a friend or family member to drive your vehicle without adding them to your policy can be dire – a claim can be denied if they get into an accident in your car, which in some cases can also lead to a revocation of your driver’s license for failure to have proper insurance coverage.

Aftermarket parts

Just like home renovations, making changes to your vehicle can affect your insurance. Changing out the engine or getting new wheels are just a few of the aftermarket parts you can upgrade to customize your vehicle to be your own – just make sure your insurance reflects that, so your personalized ride can stay pimped (and covered) as you drive in style.

Changes like those above may happen between policy terms, but it’s also a good idea to review your insurance policy every year with your agent as you renew. Reviewing your coverage limits or qualifying for applicable discounts may save you money in your new policy. Discuss your options with your insurance agent to ensure that you’re getting the right coverage for the best price.


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