Nowadays, you can apply for any sort of insurance policy online, whether it is insurance cover for luxury homes or car insurance. Because of this, though, there has been a lot of misinformation posted online. In this blog post, we aim to separate the facts from the fiction. Read on for some of the most common car insurance myths to know if can you buy a car insurance for a day
You do not need to insure a broken-down car – A lot of people do not think that they need to insure a car that is written off or has broken down. However, unless this vehicle has been declared as being off the road, you are going to need to insure it. Therefore, if you are not going to be using a vehicle and don’t intend to insure it, you absolutely need to make sure you submit an application to your state government.
You can reduce insurance costs by parking your vehicle in your garage – This is an extremely common misconception. A lot of people think that their insurance premiums are going to be cheaper if they park their car in their garage, rather than parking it in their driveway.
Nevertheless, the difference in this can be very minimal, and in some cases, there is no difference at all. This is because of the fact that insurers may consider that there is more chance of you damaging your vehicle when trying to get it in and out of the garage.
Old cars are cheaper to insure – Another myth is that old cars are cheaper to insure than new cars. Older vehicles can sometimes be cheaper because their value is usually lower. Nevertheless, the lack of modern features can mean that they are easier to break into, and because of this, this can result in the insurance being more expensive. This is why it is always better to assess your options when looking for the best policy for you.
It’s cheaper to stay with your existing insurer – Last but not least, another common myth that we see a lot of is that it is cheaper to stay with your current insurer. A lot of people believe that they will get a loyalty discount and that this is going to be cheaper than anything they will be offered elsewhere. However, this is not often the case. Not all companies reward their customers for their loyalty, even though they should!
In fact, one of the biggest ways that people overpay for their vehicle insurance is by auto-renewing. You can make some excellent savings by learning how to switch car insurance companies. If you do wish to stay with your current insurer, the best thing to do is to call them and explain that you’re thinking about moving.
You may then find that they offer you a better deal. In fact, you may find it makes sense to partner up some of your home insurance plans to save money, such as looking for the best auto and home insurance bundle.
As you can see, there are a number of different myths that have become prevalent when it comes to car insurance. However, we hope that this post has helped you to understand the facts from the fiction.
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