The next time you are online looking for cheap car insurance for your vehicle; do consider some of the options above. There are hundreds of car insurance companies out there looking to sell you policies and ready to inform you about car insurance advantages. After surveying the insurance here is a list of most misunderstood things. These car insurance myths are some of the most common questions that most people have about car insurance while either buying or reviewing their auto insurance coverage. It is better to find out now before you have a claim and it's too late.
· Most car insurance companies will give you a pass if you don't have any other tickets or claims in the past 3 to 5 years depending on the company. · Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit. · Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay your deductible. · If you're riding your bicycle and get hit by a car your car insurance won't get involved. If you get hurt or killed while riding your bike or even walking down the street you may be surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim. · Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle · The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from buying cheap car insurance for your vehicle. · Not having continuous car insurance is frowned upon by most direct car insurance companies now a day's. Some companies won't penalize you for not having prior insurance. If you don't have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. · If you lie on your insurance application there is a good chance you won't have any coverage when you need it the most. Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out. · Buying a cheaper more reasonable car will be less to insure than a more expensive car. There are a lot of different factors insurance companies use to determine rates, however there are many times where the rate for the more expensive car is less than the cheaper car.
· Most car insurance companies will give you a pass if you don't have any other tickets or claims in the past 3 to 5 years depending on the company. · Almost all insurance companies now use some form of credit scoring when determining not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit. · Your homeowner's coverage has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay your deductible. · If you're riding your bicycle and get hit by a car your car insurance won't get involved. If you get hurt or killed while riding your bike or even walking down the street you may be surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn't have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim. · Your car insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be compensated for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle · The color of your car has absolutely nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don't ever let this silly nonsense stop you from buying cheap car insurance for your vehicle. · Not having continuous car insurance is frowned upon by most direct car insurance companies now a day's. Some companies won't penalize you for not having prior insurance. If you don't have prior insurance make sure you have a good excuse like you took the bus, or you were in the military, or some other legitimate reason. · If you lie on your insurance application there is a good chance you won't have any coverage when you need it the most. Remember these 2 things when insurance company is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. And reason #2, the insurance companies have more money than god and they have people working full time to find this stuff out. · Buying a cheaper more reasonable car will be less to insure than a more expensive car. There are a lot of different factors insurance companies use to determine rates, however there are many times where the rate for the more expensive car is less than the cheaper car.
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