The 6 Car Insurance Myths

We prefer to think about ourselves as everyday heroes – continually operating to form car insurance easier. These days we’re endeavour car insurance myths and setting the record straight on some common car insurance misconceptions.

Car insurance story #1: Red cars value additional to insure
According to Faber Birren, the noted color scientist, red is that the most dominant and dynamic of all colours. However contrary to well-liked belief, red cars are not any dearer to insure. car insurance corporations (Esurance included) consider your car’s year, make, and model — however ne'er the colour of your car —once shrewd your car insurance rate. Therefore red cars is also hot, however they won’t burn a hole in your savings once it involves insuring them.

Car insurance story #2: Credit scores don’t count
Credit scores matter once you get a house, a car, or build different major purchases, and that they matter once it involves your car insurance. To work out insurance rates, most car insurance corporations use credit scores to work out credit-based insurance scores. Generally, the upper your credit score is, the upper your credit-based insurance score are going to be, and therefore the less you'll expect to obtain car insurance.

Car insurance story #3: All car insurance policies area unit an equivalent
Policies vary greatly betting on the insurance carrier and therefore the quantity of coverage elect. to ascertainthis in action, get a free comparison quote from Esurance. in only minutes, you'll compare rates from several leading car insurance corporations to ascertain that arrange and that company offers the foremost worth for your cash. You'll conjointly see primary however dynamical your coverage limits affects your premium.

Car insurance story #4: U.S. car insurance coverage is valid in North American country
While it’s true that you just will drive in North American country with a sound U.S. license, your U.S. car insurance policy won’t shield you once you’re south of the border. Mexican authorities don’t acknowledge yank property injury and bodily injury liability coverages, and most collision and comprehensive coverages area unit thought-about invalid still. Therefore if you propose on driving south, make certain you've got international car insurance.

Car insurance story #5: wedding doesn’t have an effect on your car insurance
Marriage is life changing; you recognize that. however did you recognize that it conjointly affects your car insurance? Since fastening the knot sometimes augments your assets, you would like to form certain that you’reable to shield your inflated finances within the event of associate accident. Plus, once you insure quite one car on an equivalent policy, several car insurance corporations (Esurance among them) can offer you a reduction.

Car insurance story #6: Thieves target new cars
Just because new cars area unit shiny and eye catching doesn’t mean they’re the foremost targeted by thieves. Consistent with the social insurance Crime Bureau (NICB), in 2009 the three most purloined vehicles were: the 1994 Honda Accord, the 1995 Honda Civic, and therefore the 1991 Toyota Camry. If you merely have collision coverage, drive associate older vehicle, and sleep in a hot spot for vehicle thieving, you may wish to contemplate comprehensive coverage for higher protection.

Now that you just understand what’s a car insurance story and what’s not, make certain you've got a policy that’s extremely tailored to you specifically. If you wish facilitate determining what quantity insurance you ought to have, contact your underwriter or use our handy Coverage Counselor®. Of course, you'll continually decision North American nation 24/7 at 1-800-ESURANCE (1-800-378-7262) to urge real, live coverage recommendation from our specialists.