Car Insurance Myths

At some point, every driver is going to need to acquire Car Insurance Searching for the Best Car Insurance can be intimidating for those who are familiar with how insurance works. Finding great Car Insurance may not be as difficult as you can think. Below we dispel some of the most common car insurance myths.

Myth

It's better to buy from an agent

Truth

If you browse multiple Car Insurance policies from multiple carriers, you are more likely to find lower rates. If you do decide to use an agent, try to speak with agents at several different companies. Companies like SkyBlue Insurance can find you multiple rates on Safeway Car Insurance

Myth

Red cars cost more

Truth

Myth

If you’re in an accident, not reporting will prevent your rates from increasing

Truth

This myth is not completely false. If you’re involved in an accident and you don’t report it, your insurance provider will not know. That is unless the other driver reports the accident to their Auto Insurance provider. If they do contact their carrier, their carrier will contact yours and report the accident. Also, if you receive a ticket for the accident, it will appear on your driving record and cause your rates to increase.

Myth

Premiums increase as you age

Truth

Actually, the opposite of this myth is true. As you get older, your rates will decrease so long as you maintain a great driving record. There are even some Car Insurance discounts for drivers over 55.

Myth

Small cars are cheaper

Truth

Though the size of the car can determine premium rates, smaller don’t necessarily mean that your policy will be cheaper. Smaller cars can experience more damage and the drivers in them are more likely to receive serious injuries. Mid-sized SUVs are the cheapest to insure.

Myth

Thieves target newer cars more

Truth

Older cars are more vulnerable because they have fewer security measures than newer cars. This makes it easier to break into. They are also more likely to be stolen for parts.

Myth

One speeding ticket will increase your rates

Truth

Usually, it takes two speeding tickets to increase your rates. If you get one ticket, you’ll have the opportunity to go to traffic school and avoid getting marks on your policy.

Myth

Minimum liability coverage is enough to keep me protected

Truth

Most states have a minimum auto insurance requirement, but this may not be enough to cover all of the costs. If your insurance does not cover the full amount of the damages you’ve called, your assets and personal finances may be subject to charges.

Myth

Comprehensive coverage protects you in all situations

Truth

Comprehensive coverage is only one type of protection. It is meant to cover your vehicle for damages not related to collisions, including fire, theft, vandalism, weather, and collisions with animals. If you want coverage for collisions with other vehicles, you will need to add collision coverage to your policy.

Don’t let these common car insurance myths be a threat when looking for Auto Insurance. If you require Auto Insurance or feel that you are paying too much, give us a call at 1-800-771-7758. We can help you find affordable rates on policies from Safeway Auto Insurance in the nation. You can get started by requesting a Safeway Car Insurance quote for free!

Car insurance Myths

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