Learning about insurance protection can be confusing, even with the most comprehensive info and the most detailed accounts of policies. Regardless of how much info is available, the bigger problem is how much misinformation exists regarding automobile insurance coverage. As the result of this misinformation, there is a detailed mythology involving automobile insurance coverage that may cause some potential consumers reservation when it comes to applying for appropriate coverage.
Colour Matters
One myth, believe it or not, is the fact that the colour of the vehicle makes a difference when applying for insurance coverage. Lots of individuals believe that coverage for the make, model, and particularly the colour of the vehicle will make a difference in the overall quality and amount of coverage given. This is a myth, because it doesn’t matter what colour your vehicle is. The coverage will be the same.
Parking Ticket Problems
Many people believe that getting a parking ticket can influence insurance coverage rates. Surely if this were the case, we’d all be facing skyrocketing rates on the regular basis. Car insurance rates aren’t affected by parking tickets or other similar scenarios. These tickets by themselves don’t count against any insurance document, although not having to pay tickets can impact your ability to renew your driver’s license which could, in turn, impact your general price. The lesson learned here is obvious: pay your parking tickets!
Speeding
Speeding is really a serious problem that will impact your driving record, but just one speeding ticket will most likely not impact your insurance coverage rates. Obviously, in case your single speeding ticket involves driving at a reckless speed several dozen miles over the limit, you can bet that your rates will probably be impacted. One or two minor convictions for speeding most likely will not have a say in your rates, but accumulate a few more of these and you can rest assured that you’ll be paying much more when it comes time to renew your policy.
It is Not My Fault!
One myth about accidents is that you do not have to pay deductible if the police assert that an accident is not your fault. This isn’t necessarily the case. The police may not have deemed you criminally accountable as a driver in the accident, but it is your insurance coverage company that retains the key as to whether or not you’ll be paying. If the insurance coverage company investigates the incident and discovers that it wasn’t your fault, you’re in the clear and they will waive your deductible. If their findings differ, however, you’ll be paying.
Cheap is Best
Lots of people think that insuring less expensive vehicles is more inexpensive than insuring much more expensive, luxury vehicles. This isn’t the case. The premium paid for car insurance is based on a combination of factors, including the original cost of the automobile, any repair costs, theft frequency, and any claims history on the vehicle. If you are older, less expensive automobile includes a history of repairs and issues with other statements, it’ll most likely not be cheap to insure. If a more recent, luxury car lacks any history of repairs and has no claim history, it might be less expensive than your older car. Every rate is different.
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