Auto insurance can be difficult to understand, especially if you have never purchased it before. There are also many misconceptions and myths about car insurance that make it even more complicated. In order to help you make an informed decision, Pizano Insurance serving Wayzata, MN, and other surrounding communities has prepared the list of the most common auto insurance myths that everyone should know:
- The color of a car affects the cost of insurance. Despite this common misconception, the color of your car does not affect your premium. There are other factors affecting the cost of insurance, including the vehicle’s model, age, body type, engine size, the car’s safety features, and rating, and some others.
- Older drivers pay more for car insurance. Auto insurance does not go up with age. Actually, it is often just the opposite. Many drivers at the age of 55 and older can be qualified for discounts if they complete an accident prevention course successfully.
- Getting a traffic violation increases the cost of your insurance. In fact, getting a traffic violation does not always increase your premium, especially if the violation was minor. If you want to keep your auto insurance at the same price, you need to maintain a clean driving record following the violation.
- It costs more to insure expensive cars. The price of your car does not necessarily affect your insurance costs. However, if your car is costly to repair, then your insurance will be more expensive.
There are many myths that make auto insurance so complicated to understand. If you are a resident of Wayzata, MN and you have doubts about car insurance, Pizano Insurance is ready to help and answer all the questions you may have. Do not hesitate to call us and let our experienced agents help you find a policy you and your vehicle deserve.