By 
With so much information available to you, it’s easy to be overwhelmed with data. There are many myths and misconceptions about auto insurance companies in pa that you absolutely need to know so you can make an informed decision on your policy and coverage choices.
From determining the price of auto insurance with the color of your car to its age, you’d think that there would be a clearer set of rules to follow. While there are, there is also a lot of things that could misinform you if you’re not thorough with where you get your information from.
Below are 11 car insurance myths and misconceptions you should be aware of.
- Your credit score won’t affect your car insurance rate
Your credit history is one of the first things to be taken into consideration whenever an insurance rate, for whatever will be covered, is computed.
- Colorful cars, specially red, will affect the car insurance price
An urban legend about auto insurance companies in pa is they’re going to give you a pricier quote if you have a more colorful car. It’s simply not true.
- Older cars are cheaper to insure
If you are buying a used vehicle that has been restored and its parts have been replaced with high quality parts, it won’t produce the same rates as a plain older car.
- Younger drivers have cheaper car insurance rates
A common misconception is that auto insurance providers provide cheaper rates to younger drivers because they’ll have more years on the road. While it makes sense business wise, that’s not the case when you look at the special discounts provided to older drivers.
- The auto insurance of the person driving covers the damages
Regardless of who’s driving, it’s your car insurance that will cover the damages in the event of an accident involving your car.
- You won’t be held liable for any damages if you weren’t inside the vehicle
To hammer the point for myth #5, as long as it’s your car involved, your car insurance will cover the damages.
- Getting your driver’s license later result in increased insurance costs
If driving wasn’t a necessity for you earlier in life or you just decided later that it’s time to learn how to drive, that won’t affect the price of your premiums.
- A traffic infraction on your record guarantees an increase for your premiums
The price of your premiums are circumstantial. Although a ticket does not guarantee an increase, it’s not always nullified.
- All car insurance providers offer the same rates
Auto insurance providers might have similar rates on average, but different cases will still have different results so it’s worth your time shopping around.
- Comprehensive insurance will cover damages for anything
The word “comprehensive” is indeed misleading when it comes to comprehensive insurance. It’s not a blanket coverage because it won’t cover you in traffic accidents.
- You do not need car insurance
The most damning misconception about car insurance is that you don’t need one. No matter how safely you drive, there’s still no reason for you to not get one.
Miller Carlisle Insurance Services can give you the best deals when it comes to auto insurance. We can help you find rock bottom premiums because we’re in partnership with the top auto insurance companies in pa.
