Popular Auto Insurance Myths: Debunked

Popular Auto Insurance Myths: Debunked

Learn the truth about car insurance.

There are many myths and misunderstandings about auto insurance that people take as fact.  However, there usually isn’t any truth to these widespread beliefs.  Here are some of the most popular car insurance myths debunked, and here’s what you really need to know about getting auto insurance in Astoria, New York.

Myth #1: All Auto Policies Are the Same

Many people assume that auto insurance policies all provide the same coverage.  However, in reality, auto insurance is highly customizable and policies can vary widely depending on the coverages you want.  Of course, as you adjust the amount of coverage your policy offers, your premiums will change accordingly as well.

Myth #2: Your Credit Score Doesn’t Affect Your Insurance

While many people understand that their credit score will affect their ability to make major purchases (such as a home or new car), they often don’t realize that their credit score affects their insurance premiums as well.  Generally, auto insurance incorporate your credit score in their calculations to determine your insurance rates.  The higher your credit score, the lower your premiums will be.

Myth #3: Auto Insurance is Valid South of the Border

While it’s true that you can drive in Mexico with a U.S. driver’s license, your auto insurance isn’t valid.  Mexico does not recognize American property damage, bodily injury liability, collision, and comprehensive coverages.  So, if you plan on road-tripping to Mexico, then you should make sure you have international car insurance.

Here is the truth behind some of the most common car insurance myths.  Do you have questions regarding your auto insurance in Astoria, New York?  Then don’t hesitate to contact the experts at 01 Insurance.  Our dedicated team is ready to assist you with all your coverage needs.