Myth Busting: Four Facts About Car Insurance

This article clarifies common misconceptions about auto insurance, including theft risks, animal damage coverage, vehicle color impact, and personal item protection. It aims to educate drivers on what to expect from their policies with straightforward facts and advice to make informed insurance choices.

Myth Busting: Four Facts About Car Insurance

Understanding car insurance can be quite challenging due to the common misconceptions surrounding it. Many false beliefs persist, which can lead to misunderstandings about coverage and costs. Here, we dispel four prevalent myths about auto insurance to help drivers make better-informed decisions.

1. The notion that new vehicles are the most frequently stolen isn’t accurate. In reality, older cars are targeted more often because their valuable parts are easier to sell. So, owning a new car doesn’t necessarily make it a prime target for thieves.

2. Damage caused by animals, such as deer or moose, is typically covered if you have comprehensive coverage. This includes collisions with branches or birds hitting your windshield, which are included under the same policy.

3. The color of your vehicle does not influence insurance premiums. Despite false rumors suggesting otherwise, insurance costs are based on factors like vehicle make and model, safety features, and your driving record, not color.

4. Personal belongings left inside your car are usually not covered by standard auto insurance. However, valuables like laptops or jewelry stolen from your vehicle can often be claimed under homeowners or renters insurance.

Note: Our articles are designed to offer valuable information across various topics. While we strive to provide accurate insights, readers should consider that data can vary, and some offers or schemes may not be included. Always verify details with relevant sources.