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When it comes to auto insurance sometimes we are taught things that simply are not
true. Let’s look at some of the most common misconceptions about auto insurance:
This is not true, no-fault insurance means that no matter who is at fault your auto
insurance company pays for your damage in a wreck.
Actually, the color of you car has no affect on your insurance rate. What does affect
your rate is the year, make, model, body type and engine size of your car as well
as your personal credit history and driving record.
Nope. If it's your car, it's your responsibility. And the news gets worse. Even
though you weren’t there at the time of the accident, you will get a mark on your
insurance and your insurance rates will most likely go up.
No, the government has nothing to do with your car insurance rate. Where you live,
your credit score, marital status and your driving record are the things that affect
your insurance rate.
Not necessarily. It is required that the policy holder notify the insurance company
within a matter of days of getting a new car in order to make sure the new vehicle
is insured. It is most advisable to call them before you make the purchase, to assure
they will cover the vehicle you are going to buy.
Yes and no. Males under 25 will pay more for car insurance than females will. But,
teenagers and younger adults will pay even more for car insurance because they are
in the high risk age group.
That is false. Your credit score really does matter. Many insurance companies will
do a credit check when you are taking out a policy with them.
That is not true. You will need to purchase comprehensive coverage in order to fully
protect you car.
Not true. If you are going to use your car for business you may need to upgrade
your insurance policy to cover that. If you are going to let people that work for
you drive your car you also need to add that to your insurance policy.
Even if you've never had an accident, you are required by California law to have
auto insurance on your car. If you don’t, you could face criminal penalties. You
may be lucky by not having an accident but if you are involved in an accident and
you don’t have insurance then you will certainly see how unlucky you can be. It
is always best to be protected.
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