Buying auto insurance is complicated, especially if you have never done it before. Moreover, there are also many misconceptions and myths about this type of insurance that do not allow you to make the right and informed decision when shopping for it. Anthony Catalfamo Agency LLC, serving Burnt Hills, NY, has prepared the list of most common auto insurance myths you should know:
MINIMUM COVERAGE IS MORE THAN ENOUGH
Unfortunately, in most cases, the minimum liability coverage required by New York is not enough. Liability insurance does not cover your injuries, the injuries of your family members, or other passengers. Even the damage of your vehicle will not be covered completely. In order to be fully protected, you need additional coverage, such as collision insurance, for example.
RED CARS COST MORE TO INSURE
In fact, neither insurers nor law enforcement are concerned about the color of your vehicle. They look at the behavior of drivers, not the appearance of their cars. They care about the type of vehicle (body type, engine size, model, and year). They care about safety features, how popular it is with thieves, and how much it would cost to repair or total the car in case of an accident.
OLDER DRIVERS HAVE TO PAY MORE FOR INSURANCE
Auto insurance is not life insurance – it does not go up with age. It is the opposite. Many drivers who are 55 years and older can get their auto insurance rates reduced if they complete an accident prevention course successfully. If you are interested in this course, you can always ask your insurance company to help you find defensive driving courses approved by your insurance.
If you are looking for insurance for your vehicle in New York and need a trustworthy agency to help you, Anthony Catalfamo Agency LLC, serving Burnt Hills, NY, is a perfect choice. Do not hesitate to contact our agency to get more information about the auto insurance options available.