Unique Original Articles » Direct AutoInsurance Myths - Revealed by Industry Agent

After spending many years in the insurance Market we have come up with a top 10 list of most misconceived things about direct car insurance. These auto insurance myths are some of the most common doubts that people have buying direct car or truck insurance.

When looking for direct auto insurance coverage. Its better to find out now before you have a claim and it’s too late. If your going to get online car insurance reviews from direct auto insurance providers here are some areas to consider.
So here are the Top 10 Car Insurance Secrets

* I just got my 1st speeding ticket my insurance premiums are going to go way up .

Reality: If this is your first ticket your prices probably won’t even change. Most direct car insurance providers will give you a pass if you don’t have any other tickets or claims in the past 3 to 5 years depending on the company.

* That new Plasma television I bought last year won’t affect my Car Insurance

Reality: If you didn’t pay the credit card you charged it on then it just might. Almost all insurance Organizations now use some form of credit scoring when deciding on not only if you will qualify for insurance, but also what you will pay. There can easily be 50% difference in rates for a person with excellent credit to someone with poor credit.

* I just slammed my car door into my bike parked in my garage, my homeowners policy will cover it

Reality: Your homeowner’s insurance has nothing to do with covering your car. The only way your car will be covered is if you have Comprehensive (Comp) coverage for your car. And then only after you pay you deductible.

* I just cracked up my friends car and I tell him don’t worry my personal insurance will cover it

Reality: It will but only after your friends policy pays first. So let’s say your friend has a $500 collision deductible and you have a $250 deductible. You would have to give your friend the $500 for his deductible as his insurance company is Primary. Meaning your insurance will only pay after his policy limits are exhausted. So just remember in this case your deductible does not matter its going to be based on your friends.

* If you’re riding your bicycle and get hit by a car your car insurance won’t get involved

Reality: If you get injured or killed while riding your bike or even walking down the street you maybe surprised to learn that you may be covered by your direct car insurance policy. If the person driving the car didn’t have any insurance or not enough insurance to cover your injuries, your Uninsured or Underinsured coverage would pay for your claim.

* Someone just broke into my car and stole all of my personal items out of it i.e. Cd’s, Cell phone, Christmas Presents, my car insurance will pay for it.

Reality: Your vehicle insurance does not cover your personal belongings left inside the car. You are going to have to file a claim with your Homeowners or Renters insurance policy to be paid out for these items. The general rule of thumb is your car insurance will only pay for items that are attached to the vehicle

* I am going to be billed more for my auto Insurance because my car is red, blue, black, pink…

Reality: The color of your car or truck has utterly nothing to do with your rates. If you like red buy a red car, if you like black buy a black car. Don’t ever let this silly Hogwash stop you from buying a car.

* I didn’t have a automobile for the last 2 years, this won’t affect my premiums.

Reality: Not having continuous auto insurance is frowned upon by most direct car insurance companies now a day’s. Some companies won’t discipline you for not having prior insurance. If you don’t have prior insurance make sure you have a good excuse like you took the bus, or you were in the armed forces, or some other legitimate reason. Oh and by the way I couldn’t afford my insurance is not on that checklist

* Telling a little white lie on my insurance application form won’t affect my coverage if I ever have a claim

Reality: This is one of the most unfortunate things a person can do. If you lie on your insurance application there is a good chance you won’t have any coverage when you need it the most. You think they won’t find out? Remember these 2 things, when the insurance firm is on the hook for a ton of money. #1 They are going to start asking questions and the first thing they look at is your application. Wouldn’t you if you were them? And reason #2, the insurance companies have more money than god and they have folks working steady to find this stuff out.

* Buying a cheaper more reasonable automobile will be less to insure the a more expensive automobile.

Reality: There are a lot of different factors insurance carrier use to determine rates. There are many instances were the rate for the more expensive auto is less than the cheaper truck. One of the biggest aspects for the Comp & Collision coverage’s are how much do substitute parts cost. Sometimes on those cheaper car or truck or the more exotic cars the replacement parts can cost a lot to replace.

So just remember the next time your online looking for a cheaper insurance policy, to think about some of your options. There are hundred’s of direct automobile insurance out there looking to get in your pocket, just make sure when the time comes you can get into theirs.

All the Best
The Direct Auto Insurance
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