- Red cars cost more to insure.
- If you believe the owners of red cars drive more aggressively and get more speeding tickets, this would make sense. But there’s no data to back this up.
- One accident will cause the insurer to cancel your coverage.
- In most cases one accident will not have a negative impact on your insurance.
- Older drivers pay more for car insurance.
- Life insurance goes up with age, but not necessarily auto insurance. In fact, it’s often just the opposite. Many drivers who are 55 or older can get their rates reduced — by up to 10 percent for three years — if they successfully complete an accident prevention course.
- Your insurance policy covers any damage to your car.
- It doesn’t work that way. Liability insurance (required in some state) covers you if you hurt someone or damage his or her property. Comprehensive and collision coverage protects your vehicle. That is why this is always optional coverage. Note: the lender may require it if you have a lease or car loan.
- Soldiers pay more for insurance.
- Not true, In fact, it’s just the opposite. Members of the military (no matter what branch) may qualify for a discount on their auto insurance. In most cases, you’ll need to document your rank and how long you’ll be serving.
- Your policy covers you if you drive the car for business
- Personal auto insurance does not protect you if you are self-employed and using your vehicle for business purposes. A lot of young people who take pizza delivery jobs don’t know this, for example, so if you’re not an employee of the pizza restaurant, you’re not covered by the company’s insurance policy. If you have an accident while making a delivery and you’re on your own. Your personal insurance will most likely deny any claims.
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