A lot of people have an understanding of the myths that surround car insurance, but not the facts. It is time to get things straight. If you are shopping for insurance, some of the things you thought were common knowledge may not even be true. This may mean what you think is covered under certain policies really isn't covered, or what affects your rates actually have nothing to do with your insurance policy. Learning the truth can help you make an informed decision about what insurance policy you want, and what policy you need.
People believe that the color of your car has an effect on your insurance. Red is the most common color associated with this myth. As I am sure you can probably guess, since it's on this list, it isn't true. The color of the car you have or want has no affect what so ever on your insurance. What will have an impact are the make, model, and year of your car. They will use this information to try and determine the chances of the car breaking down or needing repairs.
If you have had a ticket, your insurance rates will be higher. Well, having one ticket technically will not increase your rate. An unpaid ticket can count against your license or can lead to suspension of you license. However, you're driving record does play a part in what your rate is, so it is possible that if you have had several tickets then it could affect your monthly rate. Speeding tickets will have a bigger impact than parking tickets.
Believing that your auto insurance policy will cover you if your car is stolen, vandalized, or damaged by fire, hail, or weather can get you into a tight spot. Most standard polices that are required by many states only covers liability. In order for you to be fully protected from those events, you will probably need a comprehensive coverage policy.
Some assume that if a friend is driving your car and gets in a wreck, their insurance will pay for the damages. Well, think again. In most cases, your insurance is considered the primary plan since it is your car. However, this may vary per plan. In some instances, your friends insurance may come into play if your insurance can not cover all of the repairs.
Older drivers may pay more for auto insurance. In actuality, they may pay less. Drivers who are 55 years of age or older can take an accident prevention course to qualify lower rates. However, this may change from state to state and depends on the company your policy is with. On the other hand though, your rates may go up if you are adding or are a teen driver.
Another popular myth is that you don't have to shop around if you have a good driving record. Getting insurance quotes from different companies can help you save money, no matter is you are a good or bad driver. Policies differ in coverage and price from company to company. So, comparing quotes and rates will help you get the best coverage for the right price.
Leigha Fenster
Compare Car Insurance Quotes
Senior Savings for Car Insurance
Article Source:http://EzineArticles.com/?expert=Leigha_Fenster
Did you find this article helpful?00
Get Involved
0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts: Insurance: Car-Auto
Leigha Fenster
Car Auto Article FeedFind More ArticlesSearchSimilar ArticlesInstant Auto Insurance - How to Get Low Cost Auto Insurance Within Minutes With No HasslesAuto Insurance Guide to Risks and Premium Auto InsuranceLow Rate Auto Insurance - How to Find the Best Auto Insurance Company With the Lowest PricesDiscount Insurance - Get Affordable Coverage For All Your Insurance NeedsAuto Insurance - 8 Ways To Lower Your Auto Insurance CostsArizona Auto Insurance - The Real Secret To Lower Auto Insurance PremiumsCheap To Insure Cars - Calculate Car Insurance Costs In Your Monthly PaymentsAffordable Car Insurance Tips - Getting Lower Rates For Auto Insurance PoliciesCar Insurance - Why It Is More Expensive To Insure Young DriversOnline Car Insurance - Appropriate Mode Of Finding Low Cost Insurance DealsRecent ArticlesExploring The Reasons You Need Enough Insurance CoverageHow Staying With One Insurance Company Can Save MoneyThe Cheapest Insurance Coverage For Your Business VehiclesHow To Find The Least Expensive Vehicle CoverageAuto Insurance Policies - Different Types of Automobile Indemnity CoversAuto Insurance Policies For Amateur DriversAuto Insurance Policies - Some Basic Points To Remember While You PurchaseInsurance Shopping StudyWhat Is the Insurance Price Tag on a Bad Driving Record?Things To Consider Before Buying Car InsuranceSubmitted On February 17, 2012. Viewed 1 time. Word count: 524.MLA Style Citation:Fenster, Leigha".".17 Feb. 2012EzineArticles.com.22 Feb. 2012
Fenster, L. (2012, February 17). . Retrieved February 22, 2012, from http://ezinearticles.com/?Car-Insurance-Myths&id=6887957Chicago Style Citation:
Fenster, Leigha "." EzineArticles.com. http://ezinearticles.com/?Car-Insurance-Myths&id=6887957
EzineArticles.com© 2012 EzineArticles.comAll Rights Reserved WorldwideAbout UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS
View the Original article
EzineArticles.com© 2012 EzineArticles.com