{
  "id": 19364589,
  "title": "Car insurance mistakes every driver should avoid now",
  "url": "https://urgent.news/2026/11/10/car-insurance-mistakes-every-driver-should-avoid-now",
  "topic": "world",
  "section": "World",
  "published": "2026-11-10T17:15:07.000Z",
  "source": {
    "name": "CBS News",
    "slug": "cbs-news",
    "url": "https://www.cbsnews.com/news/car-insurance-mistakes-every-driver-should-avoid-now/"
  },
  "original_language": "en",
  "account": "Car insurance policies can be intricate, making it easy for drivers to overlook important details. As premiums remain high, it's crucial to ensure you're getting the best value and protection from your policy. Avoid these common car insurance mistakes to protect your finances:\n\n1. Don't automatically renew your policy without comparing rates. Insurers adjust their pricing periodically, so it's wise to check if other providers offer better deals before renewing.\n\n2. Don't choose the cheapest policy without evaluating coverage. A low premium may not provide adequate protection if you're responsible for significant damages. Consider the coverage limits and what they cover.\n\n3. Don't set a deductible higher than you can afford. While a higher deductible can lower premiums, you'll need to pay more out-of-pocket if you file a claim. Make sure you can comfortably handle this financial burden.\n\n4. Don't forget to update your policy after major life changes. Moving, adding a driver, or other changes can impact your coverage needs and premiums. Notify your insurer promptly about any changes.\n\n5. Don't overlook available discounts. Many insurers offer discounts for bundling policies, automatic payments, defensive driving courses, low mileage, or vehicle safety features. Contact your insurer to inquire about potential savings.\n\n6. Don't drop important coverage to save money. Collision and comprehensive coverage can be costly, but they're essential if your vehicle is valuable or if you can't afford the financial impact of an accident. Consider your vehicle's value and your financial situation before dropping these coverages.",
  "summary": "Some common car insurance decisions could be costing you more than you realize. Here's what to watch for.",
  "key_points": [
    "Don't automatically renew without comparing rates",
    "Don't choose cheapest policy without evaluating coverage",
    "Don't set deductible higher than you can afford"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}