Common Auto Insurance Misconceptions

​There is so much to discuss when it comes to buying vehicles. You consider its specs, function, preference, model, especially your insurance coverage, as you go through the process. And you have probably heard some shocking information that affects your car-buying decisions. However, some opinions are not accurate.

Red Cars Will Cost You More
This is one of the most common pieces of misinformation that drivers perceive. While some car features may affect insurance expenses, it is not true that red cars insure differently than other colors. The color of a vehicle does not change the coverage or policy, either.

Expensive Car Means Higher Rate
The original price of your vehicle does not necessarily affect the cost of your insurance repair costs. It depends on the loss of history and damage levels when determining how much the company would charge you. Higher repair expenses signify higher insurance premiums no matter what model your car is.

Inclusive Policy Covers Everything
Comprehensive claims and policies should cover a lot of damages. However, it does not incorporate all types of disruptions. It would be best if you still recognized all the inclusions in your policy, especially possible risks that would damage your car other than collision. 

High-tech Car Features Reduce Insurance Expenses
With today's modern technology, auto companies develop exceptional car features, especially for safety functions to prevent accidents and collisions. Drivers perceive it to be less expensive insurance costs since the safety features are meant to keep you from disruptions. However, policyholders worry that these features would be too costly to cover, so they raise premiums for assistant systems. 

Gadgets in My Car Are Covered 
Your auto insurance company does not cover personal belongings inside your vehicle. It falls under a different type of insurance you could claim.  

It is common to ask your friends, family, or co-workers about insurance and its policies when you decide to claim for one. However, as most helpful as possible, they are not the most reliable ones to seek your coverage suggestions. It is recommended to inquire for legal advice and guidance from policyholders. Fortunately, we have debunked popular myths and misconceptions concerning the topic. 

At Arnold, Bruce & Doerfler Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote.