Are You Believing These Misconceptions?
Reading through your auto insurance policy can feel a bit confusing. You know that it protects you, but exactly how can feel shrouded in mysterious verbiage. Perhaps as a result of this, there are a number of auto insurance myths that are commonly held. We want to help you understand your coverage, so here are a few misconceptions we hope to dispel.
- Credit Does Not Matter. You know that your credit score will affect you when you actually purchase your car and need to take out a car loan, but did you know that your credit will continue to affect you after that? Many insurance providers will take your credit score into account to discern your level of financial responsibility before covering you.
- I Am Covered All The Time. Unless you have purchased comprehensive coverage, you are unprotected if a tree limb falls on your car when you are parked or a thief breaks into your vehicle and makes off with your sound system. Make sure that your policy is protecting you in every area by reviewing your coverage.
- The State Tells Me How Much Coverage I Need. While New York does mandate a set level of liability insurance that you are required to carry, it is not safe to assume that limit will be sufficient to protect you. An insurance agent can help you understand your exposures to risks based on your commute, your type of car, its popularity with thieves, and more, and advise you on how much coverage you will actually need.
Do you have the auto insurance coverage you need to be protected and the understanding to go with it? To get great coverage and great service, contact 01 Insurance. Conveniently located in Astoria, New York, our committed, expert team is here to help you get an auto insurance policy you can actually understand. Call us today!