Debunked! Busting Car Insurance Myths for a Clearer 2023

by AutoExpert   |  26 July, 2023

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Hello there, savvy car owners! Today, we’re taking a joy ride through the sometimes-confusing world of car insurance. Buckle up as we debunk some common car insurance myths in 2023, providing you with clear and accurate information.

Myth 1: The color of your car affects your insurance rate

No, red cars aren’t more expensive to insure! Contrary to popular belief, car color has no impact on insurance premiums. Insurers are interested in your car's make, model, age, engine size, and the driver's driving history, not its flashy paint job.

Car Insurance Myths

Myth 2: Your credit score doesn’t affect your insurance rate

Actually, it can. Many insurers use credit-based insurance scores to help determine a driver's likelihood of filing a claim. The better your credit score, the lower your insurance premiums could be.

Myth 3: Older drivers always pay more

Age isn't the only factor that determines your insurance premium. While it's true that young drivers often pay more due to lack of experience, older drivers who maintain a clean driving record can often benefit from lower rates.

Myth 4: Comprehensive coverage includes everything

Despite its name, comprehensive insurance doesn’t cover everything. It covers damage from events like theft or natural disasters, but not damage from a collision. For that, you'll need collision coverage.

Myth 5: You don’t need insurance for a parked car

Even if you're not driving your car, it's still at risk. Theft, vandalism, and natural disasters can happen anytime. In many places, it's also illegal to keep a car uninsured, even when parked.

Car Insurance Myths

Myth 6: Personal auto insurance covers both personal and business use

Not quite. If you're using your car for business activities, like delivering pizzas or driving for a rideshare service, you might need additional coverage. Always check with your insurer to avoid gaps in coverage.

As we cruise into 2023, let's leave these car insurance myths in the rearview mirror. Having the right understanding of how car insurance works can save you stress, money, and potential legal headaches. So, stay informed and drive safe!

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