Top 10 Myths About Auto Insurance Debunked [Updated for 2024]

Auto Insurance

Myth 1: The Color of My Car Affects My Insurance Rate

Auto Insurance: One common myth is that your car’s color affects your insurance rate. While you may have heard that red cars are more expensive to insure, this is not true. In reality, insurance companies do not factor in the color of your car when determining your insurance rates.

Why Color Doesn’t Matter

Insurance companies consider various factors when calculating your rates, but color is not one of them. Here are the main factors they truly look at:

  1. Make and Model: The type of car you drive (including its brand, model, and year) has a big impact on your insurance rate.
  2. Driver’s Age and Gender: Younger drivers and males generally face higher rates due to higher perceived risk.
  3. Driving Record: Past tickets and accidents can increase your insurance premiums.
  4. Location: Urban areas usually have higher rates due to a higher risk of accidents and theft.
  5. Credit Score: In many regions, a better credit score can lower your insurance rates.

These factors all come into play to create a comprehensive profile of risk. But despite what you may have heard, whether your car is red, blue, or green does not influence how much you pay.

Side view of content elderly male in suit and outerwear sitting in front seat of contemporary automobile and looking away

Photo by Andrea Piacquadio

Where the Myth Comes From

This myth likely originated because brightly colored cars, like red or yellow ones, are often associated with sports cars and fast driving. However, it’s the type of car and driving habits that matter more than the car’s paint job.

For more in-depth discussion about the factors influencing rates, check out this informative article by Insurance Business Magazine.

What Really Affects Your Rates

Now that we know color is irrelevant, what should you focus on to get better insurance rates?

  • Good Driving Habits: Follow traffic rules and keep a clean driving record.
  • Choose a Safe Car: Opt for cars with good safety ratings and anti-theft features.
  • Shop Around: Compare providers to find the best rates. Sometimes, minor factors can sway the cost between companies.

For more insights, consult Allstate’s guide on factors affecting insurance rates.

Understanding these realities will help you make informed decisions without falling for common misconceptions. This knowledge ultimately empowers you to navigate the often complex world of auto insurance with ease.

Myth 2: Older Cars Are Cheaper to Insure

Many people think that older cars are always cheaper to insure. The assumption is that these vehicles have less value and, therefore, will cost less to repair or replace. However, this isn’t always the case. Several factors contribute to the cost of insurance, and it’s important to understand them.

Cars of Insurance Company Photo by FBO Media

Parts and Repairs

Older cars might have lower resale values, but repairing them can often be more expensive. Why? Because parts for older models can be harder to find and sometimes need to be custom-made. This can drive up the cost of repairs significantly.

  • Availability of Parts: Manufacturers may not produce parts for older models anymore, making them rare and costly.
  • Labor Costs: Repairing an older car might be more labor-intensive, driving up the mechanic’s bill.

Safety Features

Modern cars come equipped with advanced safety features such as automatic braking systems, lane departure warnings, and multiple airbags. These features not only improve safety but also reduce claims, leading to lower insurance premiums.

Older cars, on the other hand, often lack these advanced safety features. This makes them riskier to insure as they are more likely to sustain damage in an accident, leading to higher costs for insurers, which in turn means higher premiums for you.

Theft Risk

Contrary to popular belief, older cars can sometimes be more attractive to thieves. According to NHTSA, many older models are easy targets because they lack advanced anti-theft technology.

Comprehensive and Collision Coverage

If you opt for comprehensive and collision coverage, your insurance company will factor in the cost of potential repairs and replacement. Even if an older vehicle is valued less, the repair costs can still make the insurance expensive.

Examples of Factors Affecting Insurance Costs

Here are some factors that should be considered when insuring an older car:

  1. Type of Car: Is it a luxury sedan, a sports car, or a standard family vehicle?
  2. Car’s Condition: Has it been well-maintained, or does it have lots of wear and tear?
  3. Historical Performance: Has this model been prone to frequent breakdowns or recalls?


In summary, while older cars might seem like they should be cheaper to insure, various considerations can actually make their insurance costs higher. Understanding these factors allows you to make a well-informed decision when insuring your vehicle. For more insights, visit the Insurance Information Institute.

Next time you’re looking to insure an older car, remember these points. They’ll help you navigate the process and potentially save you from unexpected costs.

Myth 3: No-Fault Insurance Means It’s Not My Fault

Understanding No-Fault Insurance

Many people believe that having no-fault insurance means they can’t be blamed for an accident. However, this isn’t accurate. No-fault insurance is about how insurance claims are handled, not about determining who caused the accident.

In a no-fault state, each driver’s own insurance pays for their medical bills and possibly loss of income after an accident, regardless of who was at fault. This is meant to reduce the need for lengthy court battles to establish blame and ensure that injured parties get quicker access to funds for medical care.

If you want an in-depth look at what no-fault insurance covers, here’s a detailed explanation from Nationwide.

Determining Fault

Even in states with no-fault insurance, determining who is at fault is still important. It impacts other types of coverages, such as property damage liability. So, how is fault determined in an accident? Here’s a brief breakdown:

  1. Police Reports: Officers at the scene usually file a report, documenting evidence and sometimes indicating which driver they believe is at fault.
  2. Statements: Testimonies from the drivers involved and any witnesses can influence fault determination.
  3. Traffic Laws: Fault is often assigned based on which driver violated traffic laws (e.g., running a red light).

For more detail, you might find this article from Bankrate useful.

Common Myths About No-Fault Insurance

There are several misconceptions surrounding no-fault insurance:

  • Myth: You can’t sue for damages.
    • Reality: In many states, you can still sue the other driver for pain and suffering if injuries are severe.
  • Myth: It affects all types of coverage.
    • Reality: No-fault laws typically only alter how medical claims are handled, not property damage or vehicular repairs.

How It Affects Your Premiums

No-fault insurance doesn’t automatically mean your premiums will decrease or increase. What truly affects your premiums are factors like your driving record, the type of coverage you select, and your insurance provider’s policies.

For instance, Progressive’s guide explains how at-fault and no-fault statuses can influence your overall insurance rates.

Understanding these distinctions can help ensure you’re not caught off guard by your insurance policies or premiums. It also stresses the importance of driving safely to avoid accidents in the first place.

For more insights, Investopedia provides a comprehensive overview on no-fault insurance.


Knowing that no-fault insurance doesn’t equate to being blameless in an accident can save you a lot of headaches. Even in a no-fault state, maintaining a good driving record and understanding your coverage options is vital for peace of mind and financial protection.

Myth 4: Comprehensive Insurance Covers Everything

Many people think that comprehensive insurance covers every possible damage to their car. However, this isn’t true. Knowing what comprehensive insurance actually covers is crucial to avoid surprises down the road.

What Comprehensive Insurance Actually Covers

Comprehensive insurance is designed to cover damage to your vehicle from non-collision-related incidents. Here are some common scenarios that comprehensive insurance typically covers:

  • Natural Disasters: Damage caused by floods, earthquakes, hurricanes, or other natural events.
  • Vandalism: If someone deliberately damages your car.
  • Theft: If your car gets stolen.
  • Falling Objects: Damage from falling tree branches, rocks, or other objects.
  • Animal Collisions: If you hit a deer or other animals while driving.
  • Fire: Fire damage to your vehicle.

A Woman Holding Key and Insurance Policy Photo by Mikhail Nilov

For more insight into what comprehensive insurance includes, check out this detailed guide from Progressive.

What Comprehensive Insurance Does Not Cover

While comprehensive insurance covers a variety of scenarios, it doesn’t cover everything. Here are some instances that it does not cover:

  • Collision Damage: Damage from accidents with other vehicles or objects isn’t covered by comprehensive insurance. For this, you need collision coverage.
  • Medical Expenses: Injuries sustained in an accident, whether it’s your fault or not, aren’t covered. You will need separate medical payments coverage.
  • Personal Items: If your personal belongings inside the car are stolen or damaged, comprehensive insurance won’t cover them.
  • Wear and Tear: Standard maintenance and normal wear and tear of the vehicle aren’t covered.
  • Rental Cars: Damage to a rental car is usually not included unless you have specific rental car coverage.

Understanding these exclusions can save you from unexpected costs. For more details, visit Allstate’s explanation on what comprehensive insurance covers.

Common Misconceptions

The belief that comprehensive insurance covers all types of damage arises from the name itself. However, the term “comprehensive” can be misleading. Here are some common misconceptions:

  • Misconception: Comprehensive insurance covers collision damage.
    • Reality: Collision damage requires separate collision coverage.
  • Misconception: Comprehensive insurance covers all types of personal property inside the car.
    • Reality: Only specific types of damage to the car itself are covered, not personal property.

By understanding what comprehensive insurance entails, you can make more informed decisions about your coverage needs. This knowledge helps you avoid costly mistakes and ensures that you are fully protected in various scenarios. For additional reading, check out Investopedia’s comprehensive insurance overview.

Real-Life Examples

To give you a clearer picture, here are some real-life examples where comprehensive insurance comes into play:

  1. Hailstorm Damage: Your car is parked outside during a hailstorm, resulting in numerous dents and a cracked windshield. Comprehensive insurance covers these repairs.
  2. Vandalism: Your car is keyed while parked on the street overnight. The cost to fix the scratches is covered.
  3. Animal Collision: You hit a deer while driving at night, causing significant damage to your car’s front end. Comprehensive insurance covers the damage repair costs.

For more scenarios and in-depth explanations, see State Farm’s guide on comprehensive car insurance.

Understanding the specifics of comprehensive insurance can ensure you’re neither over- nor under-insured, giving you the peace of mind that comes with knowing your vehicle is well-protected against a range of non-collision incidents.

Myth 5: My Personal Belongings in the Car Are Covered by Auto Insurance

It’s a common misunderstanding that auto insurance protects your personal belongings inside the car. This misconception can lead to unpleasant surprises if your items are stolen or damaged.

What Auto Insurance Covers

Auto insurance primarily covers damage to your vehicle and liability for injuries or damages you cause to others. Here are some specific coverages:

  • Liability Coverage: This covers damages and injuries you cause to others in an accident.
  • Collision Coverage: This helps pay for repairs to your car following an accident.
  • Comprehensive Coverage: This covers non-collision-related incidents like theft, vandalism, or natural disasters.

However, when it comes to personal items inside your car, the story changes.

What About Personal Belongings?

Your auto insurance policy typically does not cover personal belongings inside your vehicle. Whether your laptop, handbag, or sports equipment gets stolen or damaged, your auto policy won’t reimburse you for those items.

Back view of unrecognizable curvy female in casual clothes writing fragile on empty side of carton box while waiting for courier Photo by Ketut Subiyanto

To illustrate:

Coverage Through Other Insurance Policies

For protection of personal belongings, you might need other types of insurance like homeowners or renters insurance. These policies often cover personal property, even if the loss happens outside your home.

  • Homeowners Insurance: If you have a homeowners policy, it typically includes coverage for personal property stolen or damaged, even if it was in your car at the time. Learn more about these options at Progressive’s guide.
  • Renters Insurance: Similar to homeowners insurance, renters policies generally cover personal items taken from your vehicle. This can provide a much-needed safety net, as detailed by the information provided by Providence Protects.

Practical Tips for Protecting Your Belongings

To safeguard your personal items, consider these practical steps:

  • Don’t Leave Valuables in the Car: The best way to protect your belongings is not to leave them in the car, especially in visible places.
  • Use Covered Storage: If you must leave items in your car, store them in the trunk or glove compartment.
  • Homeowners or Renters Insurance: Ensure your policy covers items taken outside the home, including from your car.

For more protective measures, you can check this advice from Heffernan Insurance.

Knowing the limitations of your auto insurance policy helps you stay informed and avoid unexpected losses. Being proactive by understanding your coverages and taking preventive measures ensures that your valuable personal belongings remain protected.

Myth 6: If Someone Else Drives My Car, Their Insurance Covers Them

A common misconception is that if someone else drives your car, their insurance will take care of any issues. Unfortunately, this isn’t always the case. To set the record straight, let’s look at how insurance typically works in these scenarios and what permissive use means.

How Insurance Coverage Works

When you give someone permission to drive your car, it’s crucial to understand that in most cases, your car insurance policy is the primary coverage. Here’s how it typically breaks down:

  1. Your Insurance Pays First: If an accident occurs, your policy, including liability, collision, and comprehensive, will usually pay out first.
  2. Driver’s Insurance is Secondary: If the driver’s insurance covers anything, it generally kicks in only after your policy limits are exhausted.

For more insights, check out this explanation from Progressive.

Understanding Permissive Use

Permissive use refers to a provision in most insurance policies that extends coverage to drivers not listed on your policy, as long as they have your explicit permission. Here’s a closer look:

  • Definition: Permissive use means that the insurance covers a person who drives your car with your permission.
  • Common Scenarios: It can include friends borrowing your car, family members not listed on the policy, or anyone to whom you’ve granted permission.

You can delve into more details with this guide from Nolo.

Man Beside Car Photo by Kyle Loftus

Potential Limitations and Exclusions

Even with permissive use, there can be restrictions and exclusions:

  • Frequency of Use: Frequent use by the same person might require them to be added to your policy.
  • Driver’s Status: Some policies exclude permissive use for drivers under a certain age or with a poor driving record.
  • Business Use: If the car is used for business purposes by someone else, the permissive use clause might not apply.

For more about these limitations, see Bankrate’s coverage on the topic.

Practical Tips

Here are some practical steps to ensure you are adequately covered:

  • Review Your Policy: Regularly check the details of your policy to understand who is covered.
  • Add Frequent Drivers: If someone uses your car often, consider adding them to your policy.
  • Communicate Clearly: Make sure anyone driving your car understands your insurance coverage.

Understanding permissive use can prevent a lot of headaches and ensure that everyone driving your car is adequately covered. For further reading, The Zebra provides a comprehensive overview.


Knowing that your insurance is usually the primary coverage when someone else drives your car is essential. Being aware of permissive use rules helps ensure that you, your vehicle, and your permitted drivers are all protected. Always review and understand your insurance policy’s specifics to avoid unpleasant surprises.

Myth 7: My Credit Score Doesn’t Affect My Insurance Rate

Some people think their credit score has no impact on their auto insurance rate. However, this is a significant misconception. In reality, most insurance companies use credit scores as a factor in determining insurance premiums. Let’s explore why credit scores matter and how they can influence your insurance costs.

From above electronic calculator and notepad placed over United States dollar bills together with metallic pen for budget planning and calculation Photo by Karolina Kaboompics

Why Credit Scores Matter

Insurance companies consider credit scores because they can provide insights into a person’s risk profile. Research has shown that individuals with lower credit scores are more likely to file claims. This association helps insurers predict potential losses and set premiums accordingly.

How Credit Scores Impact Rates

Here are some of the ways your credit score can influence your car insurance rates:

  1. Higher Premiums for Lower Scores: If you have a lower credit score, you may face higher premiums. According to ValuePenguin, poor credit can increase full coverage rates by up to 86% compared to excellent credit.
  2. Discounts for Good Scores: Conversely, individuals with higher credit scores can benefit from lower premiums. Insurers view these drivers as less risky, which can lead to discounts and better rates.
  3. Varies by State: The impact of credit scores on insurance rates can vary by state. Some states limit or regulate how much insurers can factor credit scores into premiums.

For a detailed explanation, visit this Nationwide article on credit scores and car insurance.

Understanding Credit-Based Insurance Scores

Credit-based insurance scores are slightly different from typical credit scores used by lenders. These scores consider more specific factors relevant to insurance, such as:

  • Payment History: Consistently paying bills on time can improve your score.
  • Outstanding Debt: Lower debt levels can positively affect your score.
  • Credit History Length: A longer history of managing credit responsibly can boost your score.

It’s essential to understand that these scores are part of a broader evaluation process. For more insights, read Allstate’s take on how credit scores affect car insurance rates.

Tips for Improving Your Score

Improving your credit score can lead to better insurance rates. Here are some practical steps to take:

  • Pay Bills on Time: Punctual bill payments can significantly enhance your credit score.
  • Reduce Debt: Lowering your overall debt can positively impact your score.
  • Monitor Your Credit: Regularly check your credit report for errors and correct them promptly.

To dive deeper into how credit scores affect insurance, see USAA’s advice on credit and insurance rates.


Understanding that your credit score affects your auto insurance rate is crucial. By maintaining a good credit score, you can potentially reduce your insurance costs. Being aware of these factors empowers you to make informed decisions and seek the best rates available. For additional reading, Texas Department of Insurance provides comprehensive insights on the topic.

Stay tuned for more myths and facts about auto insurance in the upcoming sections!

Myth 8: Car Insurance Covers You for Any Kind of Damage

Many people believe that car insurance will cover any damage their vehicle sustains. However, this is not entirely true. Different types of insurance policies cover specific situations, and understanding these differences is crucial.

Types of Auto Insurance Coverage

It’s essential to know the various types of auto insurance coverage available and what each one covers.

  1. Liability Coverage:
    • What it Covers: This type of coverage pays for damages and injuries you cause to others in an accident.
    • What it Doesn’t Cover: It doesn’t cover damage to your own vehicle or your injuries.
  2. Collision Coverage:
    • What it Covers: Pays for damage to your car resulting from a collision with another vehicle or object.
    • What it Doesn’t Cover: It doesn’t cover mechanical failure or wear and tear.
  3. Comprehensive Coverage:
    • What it Covers: Covers damage to your car from non-collision events like theft, vandalism, natural disasters, and falling objects.
    • What it Doesn’t Cover: Personal belongings inside the car are not covered.
  4. Personal Injury Protection (PIP):
    • What it Covers: Pays for medical expenses, and sometimes lost wages, regardless of who is at fault.
    • What it Doesn’t Cover: It doesn’t cover vehicle damage or non-medical related expenses.

For a detailed guide, visit the Insurance Information Institute’s myth-debunking article.

Misconceptions About Full Coverage

The term “full coverage” is often misunderstood. People think it means all-encompassing protection, but it only refers to a combination of liability, collision, and comprehensive coverages. Even with full coverage, there are limits and exclusions.

  • Policy Limits: Each policy has specified limits on how much it will pay for different types of damages.
  • Exclusions: Floods, mechanical breakdowns, and certain natural disasters may not be covered unless you have specified policies.

Understanding the nuances of these coverages can help you avoid surprises. For more, check out this Bankrate article.

What’s Typically Not Covered

While comprehensive and collision cover a broad range of incidents, there are still several scenarios where your insurance might not help:

  • Wear and Tear: Insurance doesn’t cover regular maintenance or mechanical failures.
  • Personal Items: Items like laptops or phones stolen from your car aren’t covered by auto insurance.
  • Ridesharing: Using your car for Uber or Lyft might not be covered unless you have a rideshare endorsement.

For more examples, visit Plymouth Rock’s resource on auto insurance myths.

Steps to Ensure Adequate Coverage

To make sure you’re fully protected, here are a few steps you can take:

  • Review Your Policy: Regularly check what your policy covers and doesn’t cover.
  • Consider Additional Coverage: Depending on your needs, you might consider adding renters or homeowners insurance for personal belongings or a rideshare endorsement for work-related driving.
  • Check State Laws: Insurance requirements can vary widely by state, so ensure you’re compliant and adequately covered in your location.

By understanding your policy and its limitations, you can avoid falling into the trap of believing that car insurance covers every possible scenario. For further reading, see MAPS Credit Union’s guide on common car insurance myths.

Myth 9: Minimum Liability Coverage is Sufficient

Many drivers believe that having minimum liability coverage is enough to fully protect them on the road. However, this is a risky assumption. While minimum liability coverage meets state requirements, it may not offer adequate protection in the event of a serious accident. Let’s explore the risks and potential benefits of opting for higher coverage limits.

Ambulance driving along road in sunny city Photo by Mathias Reding

Potential Risks of Minimum Liability Coverage

Relying only on minimum liability coverage can expose you to significant financial risks. Here are some potential pitfalls:

  • Insufficient Coverage Limits: Minimum liability limits may not cover the full cost of a severe accident. Medical bills, vehicle repairs, and legal fees can quickly exceed these limits, leaving you responsible for the remaining costs.
  • Out-of-Pocket Expenses: If your insurance coverage falls short, you’ll have to pay the difference out of your own pocket. This can be financially devastating, especially if you’re involved in a major accident.
  • Legal Consequences: Inadequate coverage might result in lawsuits. If you’re found liable for damages exceeding your policy limits, you could face wage garnishment or the forced sale of assets to cover the costs.

For a deeper dive into the hidden risks of minimum coverage, check out this MarketWatch article.

Benefits of Higher Coverage Limits

Opting for higher liability coverage can provide peace of mind and better financial protection. Here are some benefits:

  • Comprehensive Protection: Higher coverage limits can protect you against the high costs of medical bills, property damage, and legal fees in the event of a serious accident.
  • Financial Security: By covering more substantial expenses, higher limits can help you avoid out-of-pocket costs and preserve your financial well-being.
  • Peace of Mind: Knowing that you have adequate coverage can reduce stress and anxiety, allowing you to focus on recovery and moving forward after an accident.

For more insights on the differences between minimum liability and full coverage, visit this Bankrate article.

Real-Life Scenarios

To illustrate the importance of higher coverage, consider these real-life scenarios:

  1. Major Accident: You cause a multi-vehicle accident resulting in $150,000 in damages and medical bills. If your policy only covers $50,000, you would be responsible for the remaining $100,000.
  2. Severe Injuries: An accident you cause results in severe injuries to another driver, leading to $200,000 in medical expenses. Minimum liability coverage might only cover a fraction of these costs.
  3. Legal Fees: You are sued for damages exceeding your policy limits. Legal fees and court costs can add up quickly, potentially bankrupting you if you don’t have sufficient coverage.

For more detailed examples of the dangers of relying solely on minimum liability insurance, see this blog.

By understanding the risks associated with minimum liability coverage and the benefits of higher limits, you can make more informed decisions about your auto insurance policy. Protecting yourself with adequate coverage ensures that you’re prepared for the unexpected and can navigate the aftermath of an accident with confidence.

Myth 10: Parking Tickets Affect My Insurance Premiums

There’s a common belief that parking tickets can increase your car insurance rates. However, this isn’t true. Parking tickets generally don’t affect your insurance premiums, but there are other types of violations that do.

High Angle View of Cars Driving by a Building Photo by Drone Visionary

Why Parking Tickets Don’t Affect Insurance Rates

Parking tickets are considered non-moving violations. This means they don’t relate to how you drive, but rather where you park. Here’s why they typically don’t impact your insurance:

  • Non-Moving Violation: Insurance companies focus on driving behavior that indicates risk. Since parking tickets don’t involve your driving, they aren’t seen as a risk indicator.
  • Not Reported on Driving Record: Most states don’t report parking tickets on your driving record, so insurers never see them.
  • Minor Offense: Parking tickets are considered minor infractions and don’t suggest you are a higher insurance risk.

For more information, Bankrate explains how parking tickets affect insurance rates.

Types of Violations That Do Affect Insurance Rates

While parking tickets won’t raise your premiums, other violations can. Here are some examples of violations that do impact your insurance rates:

  1. Speeding Tickets:
    • Impact: Speeding tickets are moving violations and indicate risky driving behavior. A single speeding ticket can increase your premium.
  2. DUI/DWI:
    • Impact: Driving Under the Influence (DUI) or Driving While Intoxicated (DWI) offenses are serious and can drastically increase your insurance rates.
  3. Reckless Driving:
    • Impact: Reckless driving shows a high level of risk and will likely result in a significant premium increase.
  4. At-Fault Accidents:
    • Impact: Being found at fault in an accident will raise your premiums, as it demonstrates risky driving.

For a deeper dive, ValuePenguin provides insight on how different violations affect insurance rates.

Consequences of Unpaid Parking Tickets

While paying a parking ticket won’t raise your insurance, unpaid tickets can lead to bigger problems:

  • License Suspension: Accumulated unpaid tickets can result in your license being suspended.
  • Increased Fines: Delayed payment can lead to higher fines and additional penalties.
  • Impact on Credit Score: Persistent non-payment might affect your credit score, indirectly impacting your insurance if your insurer considers credit ratings.

For more on this, Clearcover’s article explains how unpaid tickets might affect you.

Practical Tips

To keep your premiums low and avoid complications:

  • Pay Tickets Promptly: Always pay your parking tickets on time to avoid additional fines and legal issues.
  • Monitor Driving Record: Regularly check your driving record to ensure it’s accurate and free from errors.
  • Practice Safe Driving: Avoid violations like speeding, reckless driving, and DUIs to keep your premiums manageable.

Understanding what impacts your insurance rates can help you maintain lower premiums and avoid unnecessary costs. For more details, see Progressive’s guide on ticket impacts.

By knowing the difference between parking tickets and moving violations, you can better navigate the world of auto insurance and ensure you’re not overpaying due to common myths.


Understanding the truth behind common auto insurance myths can save you from making costly mistakes. From the misconception that the color of your car affects your insurance rate, to the false belief that older cars are always cheaper to insure, this blog post has debunked several widespread myths. It has also clarified the realities of no-fault insurance, comprehensive coverage, and how both personal belongings in the car and parking tickets impact insurance.

By knowing the facts, you can ensure that your coverage accurately reflects your needs and avoid unnecessary expenses. Take this opportunity to review your current insurance policies, confirm you have the appropriate coverage, and make informed decisions to safeguard your financial well-being on the road.

Stay vigilant, stay informed, and drive with confidence.

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