Car Insurance Urban Legends

There are many urban legends when it comes to car insurance, because most people who do not work in the auto insurance field do not have a basic understanding of what they can be penalized for and what they can’t be. Therefore people are always trying to avoid calling their insurance companies for fear that their car insurance will go up or they will get dropped.

However, sometimes you should call your car insurance company, and not try to pay for it out of your own pocket. Perhaps you are driving down a road and the car or truck in front of you pops up and stone and it hits your windshield and chips it. Many think that their car insurance will not cover it – but that is not true. They will cover it, as it comes under the comprehensive coverage in your car insurance policy. There will be a deductible, but it is covered. Some states, like Florida, don’t even charge a deductible for it.

Another thing people don’t know is how to get better rates on their car insurance when their youngsters start driving. Send your child to an accredited driver’s training course and their car insurance rates will be lower than someone who did not attend. Plus, you need to let them drive as much as possible, for the only way they will get much needed experience is to actually drive.

Many people think getting tickets of any kind will drive up their rates as well – not true. Car insurance companies do not car about parking tickets, they only care about speeding or other driving related tickets. If you get points on your license, you will also get points on your car insurance which will increase your rates. So drive safely and you won’t have to worry about that one. Drive like a crazy person, and you will pay for it – literally.

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