The world of car insurance is full of myths and confusion. Have you been led astray by a myth? Read on to see three of the most common misunderstandings!
Popular Myths relating to car insurance busted!
Car insurance: A confusing world of fact and fiction
The world of car insurance can be a tricky and confusing one. You only have to turn on your television or your computer to be regularly bombarded with advertisements from dozens of seemingly similar companies, each offering coverage and a huge range of extras or special offers which you are not even sure applies to you and your vehicle. So many people end up paying far more than they have to, and are not getting the kind of car insurance they deserve due to the complication and confusions inherent in the insurance system. However, the confusion which people find when shopping for car insurance is not helped by any means by the huge number of myths and false impressions which hover around the subject of car insurance. These myths have grown due to people not fully understanding how insurance companies work, or due to individual circumstances which have been understood incorrectly and have created a false impression. Perhaps we can blame the idea that so many people have the impression that auto insurance companies are somehow working against them, instead of working in their best interests.
Dozens of myths!
There are literally dozens of popular myths surrounding auto insurance, and we’ve all come across and likely believed at least one of them at some point. Some of the more common ones are simply ridiculous when you consider them, for example the idea that the colour of your car will effect what you pay for your insurance. Somehow, this myth has spread across the world, and we all know at least one person who has worried about which colour car to choose due to the idea that they might pay more or less depending on something as irrelevant as colour. It makes no sense, as people with red cars are no more or less likely to make a claim on their insurance than black car owners, and yet somehow, this myth continues to spread itself around the country and the rest of the world. Below, I will highlight two more of the biggest car insurance myths, and what you need to understand to not be wrongly affected by them.
Do parking tickets affect my insurance rates?
One of the most common myths which people believe can stop them getting
affordable car insurance is that getting parking tickets will result in your insurance rate increasing. This myth has come from the fact that if you park illegally and then do not pay your fine or ticket, you may find that you have some problems renewing your drivers licence, or updating your licence plate. If this happens several times, or if the fine remains unpaid, you may end up with a suspension of your drivers licence. It is this which could result in you having to pay more for your insurance – not simply getting a parking ticket. If you pay your fines promptly and without hassle, there is no reason for it to affect your insurance rates.
Are the personal items inside my car covered by my insurance?
Another common myth is that your car insurance covers all the content within your car. If you leave a computer or any other personal items inside your car, and these get stolen, your car insurance will not cover them. Even with full coverage auto insurance, what is covered is the damage, loss or theft of your vehicle, not the items which are inside it.