Buying auto insurance can be quite complicated, especially if it’s your first time. Your decision-making process can easily be clouded by long-standing myths about how auto insurance works. At the Precision Insurance Team, we recommend getting the right information from insurance professionals to differentiate between facts and myths and avoid making wrong decisions when purchasing the policy. With that said, here are the top myths every driver in Mesa, AZ should know about.
Myth 1: Red cars are expensive to insure
The color of your car has nothing to do with your insurance rates. Your insurance company will only ask for critical details about the vehicle, such as the make, model, engine size, year, and body type. Your driving record is also an essential consideration, as well as your address.
Myth 2: If you let someone drive your car, their policy will cover damage if there is an accident
Your insurance follows the car, not the driver. Anyone who drives your vehicle with your permission is part of your car insurance. If they are involved in an accident, your policy will pay for the damages and injuries.
Myth 3: It is more expensive to buy auto insurance when you’re older
Quite the opposite; older drivers are considered mature and more experienced than young drivers. Older drivers are also eligible for discounts depending on their health, experience, and performance on their accident prevention course. Older drivers are less busy, which means they drive less compared to young or new drivers.
Myth 4: High tech features on your car mean lower premiums
Not always the case. Some features such as a GPS that helps locate a stolen car may reduce your premiums, while some may increase. Adding highly advanced features to your vehicle can be expensive to replace or repair, which may automatically increase your premiums.
Looking to buy auto insurance in Mesa, AZ? The Precision Insurance Team can help take you through the entire process. Contact us for more information, queries, or new policy discussions.