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Texas Insurance Blog

Common Myths about Auto Insurance

Auto insurance is a competitive market, and by shopping around, you’re bound to obtain quality coverage at an affordable cost. To get the best deal, however, you need to know what’s true and what’s not about auto insurance so you don’t make mistakes in the policy you buy. At InsPeak in Arlington, TX, we’ve compiled the following list of auto insurance myths to help you choose wisely.

Here are some common myths you should be leery of when buying auto insurance:

Myth: Certain car colors are more costly to insure than others.

The color of the car has nothing to do with your auto insurance costs. The vehicle make and model may impact the cost of your coverage due to having higher repair costs in the event of an accident.

Myth: Comprehensive insurance protects you from everything.

Comprehensive auto insurance coverage covers damage to your vehicle from non-collision causes, such as falling branches, bad weather, or vandalism. It also protects your car from theft. For other forms of protection, such as collision damage, injuries to you or others, or property damage to others, you’ll need to purchase collision, personal injury protection, or liability coverage.

Myth: Your credit rating has no impact on auto insurance rates.

Many insurers consider your credit score when quoting insurance rates as your credit rating says a lot about how you manage your finances. A good credit rating could reduce the cost of auto coverage.   

Myth: If you allow another person to drive your car, his or her car insurance will cover damages in the event of an accident.

Car insurance follows the vehicle it’s protecting, not the driver. That means your insurer will be responsible for covering accidents caused by guest drivers.

Need Auto Coverage?

To learn more about auto insurance coverage or to purchase an auto policy, contact InsPeak in Arlington, TX.

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