5 Myths (and Truths) of Auto Insurance

In the auto insurance industry, there seems to be mystery surrounding criteria for car insurance rates.  Let’s review a few of the myths and find out the truth.

Myth: Collision coverage protects your vehicle in all situations.
Truth: Collision coverage protects your car in case of a collision.  In events like falling objects, fire, theft, vandalism, weather (flood, hail, etc.), your comprehensive coverage comes into play.  Don’t worry – with the full coverage policies we offer, your vehicle will automatically include comprehensive and collision.  This way, you’ll have a piece of mind knowing that your car is covered in all of these instances.

Myth: People that live in the city pay more for auto insurance.
Truth: Where you live has an impact on your car insurance rate.  Certain areas have a higher risk for claims due to increased traffic, accidents, theft, etc.  No need to worry – our rates are the lowest around! 

Myth: Red cars are more expensive to insure.
Truth: The color of your car has absolutely no impact on your insurance premium.  Go wild!  Choose any color your heart desires. We won’t charge you extra.

Myth: Older cars cost less to insure.
Truth: Your insurance rate is dependent on the year, make, and model of your vehicle.  Call us and we will find a low rate for you no matter what kind of car you have.

Myth: People with low credit scores cannot get low car insurance premiums.
Truth: Our company does not require your social security number to start a policy.  Unlike other companies, we do not check your credit score at all, so it does not have an impact on your premium.  No matter how high or low your score is, we will be sure to find the lowest rates possible for you.

Call us at 773-202-5060 for a quick, free quote today!