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5 Myths about Auto Insurance

When it comes time to buying an auto insurance policy, a few common myths seem to get repeated though they lack any truth. If you’re wondering about some of the questions surrounding auto insurance, the team at Land Home Insurance Services has put together this short guide that will dispel any auto insurance myths you may have heard. Read on to learn more.

  • The color of your car helps determine policy price: This is not true. If you drive a red car or a black car, it doesn’t matter. What does matter is the kind of car you drive. So go ahead and get that flashy red sports car.
  • The older you get, the more expensive your insurance: We’re here to bust this myth, too. The truth is that older people tend to drive less and receive senior citizen discounts. When you do the math, this adds up.
  • Your credit doesn’t matter: Did you know you have a credit-based insurance score? It is taken from your credit history and could matter when purchasing an auto insurance policy. If you have a good credit score, the insurance companies believe you have your finances in order and will be less likely to file a claim, and this is rewarded by paying less on premiums. 
  • Your car is covered in a flood: If your car is damaged in a flood, you will only be covered if you have comprehensive and collision coverage in addition to your regular auto insurance policy. 
  • You only need the minimum: Having the minimum amount of auto insurance means just that – the bare minimum. While this is mandatory by Concord, CA to have your car registered, it is highly recommended to get full coverage. Being an underinsured driver in Concord, CA could cost you a lot if you were to cause an accident.

To learn more about auto insurance, contact the team at Land Home Insurance Services.

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