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Top 5 Myths for Getting Cheap Car Insurance

Getting automobile insurance can be a hassle; it is a complicated maze of policies, packages and clauses and it is impossible to predict which will apply to your future situation, should you ever need to file a claim. Moreover, it is often outrageously expensive. The internet has a great deal of erroneous information about what are the best tips and tricks to buying cheap car insurance—information that can hurt your pocketbook more than it can help it. In order to make the research easier, we have debunked the following five common cheap car insurance myths:

Myth # 1: Car insurance costs more for older vehicle owners. Drivers who are over the age of 55 can actually get their car insurance rates reduced provided they have clean driving records and complete a course in accident prevention and safe driving. Check with your auto insurer for approved defensive driving courses. Additionally, since retired drivers also tend to drive less than their working peers, insurers sometimes offer discounts based on reduced time on the road.

Myth # 2: Insurers charge more to insure red cars. This is one of the most widely believed cheap car insurance myths. The fact is: insurers don't care about your car's color—and neither does law enforcement. According to a study performed by the analytics firm Quality Planning, it is the make and model of the car that indicates the greater risk, not the color. The study found that people who drive luxury vehicles that might be a target for thieves pay higher insurance premiums, as do drivers of extremely fast cars, because they tend to be more aggressive on the road and statistically more likely to be cited by highway patrol.

Myth # 3: Insurance automatically covers any damage to your car. Unfortunately, no. The extent of your insurance coverage depends upon the specific policy you've purchased. If you purchased a collision of comprehensive coverage policy, then it is more likely that you will be covered in the event of an accident or vandalism. If you only have liability insurance (which only covers the damage you've done to other people and their property), then you can't file a claim when your own car is damaged.

Myth # 4: Your personal car insurance policy will cover you if you are using your vehicle for business purposes. This is a dangerous misconception. If you are hired as a contractor for a company to make deliveries or to go on errands for business reasons and get into an accident, your insurance company can deny your claim. Before you use your vehicle to perform any business related activity, talk to your employer about the company's insurance policies.

Myth # 5: Parking tickets will cause your auto rates to go up. The number of parking tickets you've gotten over the years has nothing to do with your ability to get cheap car insurance. However, if you've left the parking tickets unpaid and your license has been suspended, then you might not qualify for the lowest rates, since you may be classified as a risk.

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