When you’re looking for vehicle coverage in central Pennsylvania, you want to know exactly what could and could not affect your coverage and premiums. Here are some of the most common car insurance myths and facts surrounding auto policies.
Myth: Your Car’s Color Affects Your Premium
Does color affect car insurance? A popular myth is that a red sports car costs more to insure than any other. In reality, premiums are based on risk, so while some models and makes of cars are more expensive to insure because they have been associated with more claims, color does not affect the premium at all.
Myth: My Insurance Rates Will Go Up After a Ticket
Your driving record and the type of ticket matter. If you have a spotless record and the ticket was for a minor violation, you may see little or no impact on your monthly costs. Your premiums may also not go up if you have accident forgiveness as part of your insurance.
Myth: My Cell Phone Is Covered
Any personal property in your car is not covered by auto insurance — this is where your homeowners or tenant personal property insurance applies. You will generally need to pay a deductible, too, if you turn to an insurance policy to cover property like a laptop or jewelry damaged in an accident.
Myth: I’m Too Young or Too Old to Get a Great Rate
Your driving record has a significant impact on your premiums. Additionally, there are steps you can take at any age to enjoy a better rate. Contact Strock Insurance for a quote.
Myth: I Shouldn’t Waste Money on Comprehensive Coverage for an Older Car
Older cars may be more subject to theft than more modern vehicles because it’s hard to make money from a newer, obviously stolen car. Thieves can steal older vehicles for parts, however, and reduce the risk of being caught. Toyota and Honda parts are in especially high demand because older models of these vehicles are so dependable.
Comprehensive coverage is also important if you can’t easily afford to get another car — without coverage, you may be stuck. Additionally, this insurance can protect you against the losses associated with natural disasters, vandalism, fire, hitting an animal while driving and other events besides theft.
Myth: It’s OK to Lend My Car to a Friend Because I Have Insurance
The insurance is associated with the car, not with the driver. If your friend has an accident in your vehicle, your insurance will cover the costs and your premiums may go up.
Myth: Your Credit Determines Your Car Insurance Premiums
Does credit affect car insurance? Insurance companies may look at part of your credit history. If you have made late insurance payments before or had your insurance policy lapse due to non-payment, this will impact how much your insurance costs.
If you want the facts about car insurance and are looking for affordable auto insurance in central Pennsylvania, contact Strock Insurance for a quote or find one of our locations to speak to a member of our team. Strock Insurance has been helping Camp Hill, Harrisburg, Lancaster and central Pennsylvania drivers enjoy great insurance rates and smart coverage since 1983.