☰ ˟
Contact Us Today / 478.453.9496
Bobby Brown Insurance Agency

“When you think about insurance, see us!”

  • Home
  • Get A Quote
  • Coverages
    • Auto Insurance
    • Business & Commercial Insurance
    • Flood Insurance
    • Homeowners Insurance
    • Motorcycle Insurance
    • Recreational Vehicle Insurance
    • Watercraft & Boat Insurance
  • Customer Service
  • Claims
    • Auto Accident Claim
    • Commercial Auto Accident Claim
    • Flood Property Loss Claim Form
    • Motorcycle Accident Claim
    • Property Loss Claim Form
    • Watercraft Accident Claim
  • Blog
  • Make A Payment
  • Resources
    • Secure Area
    • Refer a Friend
    • Important Links
    • Calculators
    • Free Reports
    • Insurance Glossary
  • About Us
    • About Bobby Brown Insurance Agency
    • Location Map
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join our Newsletter

What type of coverage do you need?
Home > Blog > Car Insurance Myths
THURSDAY, MAY 16, 2013

Car Insurance Myths

Understanding all the legal mumbo-jumbo of an insurance policy is hard enough. So auto policy holders should know what's fact and what's fiction about what insurers look for when determining premium rates. Here are 10 auto insurance myths debunked.

1. The color of my car matters.

Red cars may be a hot ticket item, but they do not drive premium prices up as is widely believed. Car insurers are more interested in the make and model, year, body style, engine size and, in some areas, location (street parking versus driveway/garage-kept vehicles, for instance). What does count, however, is drivers' behavior. Moving violations, like speeding or reckless driving that result in "points", certainly affect the cost of premiums no matter what color the vehicle happens to be. You may care what color your car is, but insurance companies don't.

2. My old car won't be a target for theft.

Wrong. According to a National Insurance Crime Bureau report, car thieves preferred older models because they are easier to steal. In fact, a 2007 bureau report that listed the most stolen vehicles included a 1995 Honda Civic, a 1991 Honda Accord and a 1989 Toyota Camry.

The insurance bureau's report also suggests that thieves' preference varies from state to state. Crooks in Texas grab trucks, while thieves in California prefer Hondas, Toyotas and other imported models.

3. I'm covered if my car is stolen, vandalized or damaged by hail, wind, fire or flood.

Comprehensive and collision coverage are optional when purchasing an insurance policy. So it's not an "automatic" if a tree limb smashes your windshield or vandals spray-paint graffiti on your door. Comprehensive and collision riders are usually required if you're leasing or financing your vehicle; but once the car is yours, you must request this additional coverage.

Read More: Source

Posted 11:56 AM

Tags: car. insurance, auto, myths, facts, tips
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2016
  • 2015
  • 2013

  • insurance(42)
  • auto(16)
  • car(12)
  • home(9)
  • life(9)
  • tips(8)
  • bobby brown insurance agency(6)
  • house(6)
  • health(6)
  • money(5)
  • life insurance(5)
  • insurance tips(4)
  • homeowners(4)
  • rates(4)
  • claim(4)
  • safety(4)
  • halloween(3)
  • car insurance(3)
  • auto insurance(3)
  • homeowners insurance(3)
  • business(2)
  • holiday(2)
  • family(2)
  • claims(2)
  • homeowners tips(2)
  • healthcare(2)
  • finance(2)
  • trusted choice(2)
  • myths(2)
  • disability(2)
  • teen(2)
  • mistakes(2)
  • planning(2)
  • renters(2)
  • save(2)
  • vehicle(2)
  • value(2)
  • homeowner(2)
  • business insurance(2)
  • theft(2)
  • winter insurance tips(2)
  • rental(2)
  • marriage(1)
  • labor day(1)
  • young(1)
  • safety insurance(1)
  • family insurance(1)
  • permanent(1)
  • hospital(1)
  • rental insurance(1)

View Mobile Version

Our Customer Feedback

Read More

Our latest blogs

  • State Auto
  • Grange
  • Southern Mutual
  • The Hartford
  • Utica National
  • Southern Trust
  • GBE
Bobby Brown Insurance Agency
1531 North Columbia Street
Milledgeville, GA 31061
Our mission is to work with clients to tailor insurance specific to their needs and back it up with quality personal service.
We're here for you
Home Page/ About Us/ Contact Us/ Our Blog/ Reviews/ Join Our Newsletter/ Refer A Friend
Quick Help Links
Quote Forms/ Service Forms/ File a Claim/ Make a Payment/ Insurance Glossary/ FAQs
About Us Team
Contact Blog Search
Facebook Twitter LinkedIn Instagram
© Copyright 2019. All rights reserved. Powered by Insurance Website Builder