You’re a person, not a policy.
We’re creating Peace of Mind for the People we Care About.

Car Insurance Myths

Do red cars really cost more to insure? Is Comprehensive coverage really comprehensive? Should you and your neighbor be paying the same amount for car insurance? Leading car insurer Progressive debunks a few of the more widely held myths:

Myth: Red cars cost more to insure.
Reality: Vehicle color is not a factor used to calculate car insurance rates. Factors that do matter are the year, make, model, body type, engine size and age of your car, as well as information about the drivers on your policy.

Myth: I only need the state-required, minimum amount of car insurance.
Reality: Many states have minimum car insurance requirements, but the required liability-only insurance may not cover all your costs. If you cause an accident, your insurance might not cover all the damages. Consult with your local independent agent to select the coverages and sufficient limits that meet your needs so that a fender bender doesn’t cost you big bucks.

Myth: Comprehensive coverage protects drivers in all situations.
Reality: Comprehensive coverage is one type of protection available on an auto insurance policy (others being Collision, Uninsured Motorist, etc.). Comprehensive coverage pays only for damage caused by an event other than a collision, including fire, theft, vandalism, weather and more.

Myth: My car insurance rates will be similar to my neighbor’s rates.
Reality: Car insurance rates are individually determined, so factors such as age, driving record, type of vehicle, and marital status are considered. Each person’s situation is unique and car insurance rates will vary because of this.

Myth: If I buy a new car, my auto insurance company automatically knows and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. Generally, you have 30 days to add the new vehicle to your policy.

Source:  Progressive Casualty Insurance Company

Our Customer Feedback

  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
  • Carrier
Social Icon Social Icon Social Icon Social Icon Social Icon Social Icon
Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 651-209-9330 to discuss specific coverage details and your insurance needs. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Not all policies or coverages are available in every state. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
© Copyright. All rights reserved. Powered by Insurance Website Builder