Many misconceptions about car insurance cause people to pay too much or stay underprotected. Let’s uncover the truths behind the top myths, and see how the right coverage through us can save you money and stress.
1. “Red cars cost more to insure”
Myth: Car color affects your premium.
Reality: Insurance rates are based on risk factors—like accident history, make/model, safety features—never color. Choosing a bright paint won’t raise your rates.
2. “Am I still covered if I lend my car?”
Myth: Your coverage applies when anyone drives your car.
Reality: You’re typically covered only if the driver has your permission and a valid license—and even then, their own driving history can affect claim approval. Check your policy for permissive use limits.
3. “Older cars don’t need comprehensive coverage”
Myth: No need to insure older vehicles thoroughly.
Reality: Physical damage coverage can be priceless. It protects against floods, theft, vandalism, or falling debris—risks that don’t care about a car’s age.
4. “My credit score won’t affect my rate”
Myth: Credit history doesn’t matter.
Reality: In most states, insurers use credit-based insurance scores to assess risk. A better score often means lower premiums. We can help you find insurers that weigh credit fairly.
5. “My insurance follows me in another state”
Myth: Your policy travels with you across states.
Reality: While liability coverage usually follows, other coverages vary. If you move or travel, your limits and legal requirements can change. We make sure your policy matches your location.
6. “I don’t need gap insurance on a lease”
Myth: Gap coverage isn’t necessary.
Reality: Leasing companies require it. If your car is totaled, you owe the full lease balance—even if repairs/replacement cost less. We include gap insurance where needed.
7. “I’m fully covered, so I don’t need extras”
Myth: Basic liability is enough.
Reality: Extra coverages—like uninsured motorist, roadside assistance, rental reimbursement—can save thousands when the unexpected happens. We ensure valuable options are included.
Final Takeaway
Don’t fall for myths that can cost you thousands or leave you underinsured. Choosing the right policy means knowing the facts and working with an insurer who tailors coverage to your real needs.
Ready to Get Accurate Coverage?
Get a free personalized quote now. We’ll clarify your requirements, debunk myths, and match you with a policy that protects your life, car, and budget—without unnecessary extras.
