There are many myths about car insurance that can cause drivers to purchase less desirable vehicles or pay more than they should for the vehicle that they drive. When purchasing Auto Insurance Baltimore MD drivers should know the facts so they can make informed decisions regarding car insurance coverage.
Myth 1
Personal property is covered if your car is damaged or stolen.
Comprehensive auto insurance policies typically cover repair or replacement of the car, the windows, the locks and the ignition if the car is stolen and recovered. If your car is not recovered, your policy may cover the value of the vehicle. Personal items that were in the car are not covered by auto insurance, regardless of their value. Fortunately, most homeowners and renters insurance policies cover property that is stolen or damaged in a car accident.
Myth 2
Rental car coverage is standard
Unfortunately, rental coverage is an addition to an auto insurance policy. Though many drivers don’t consider this inexpensive add-on until they need it, rental car coverage may be worth the extra few dollars a month it adds to the premium. Before purchasing rental car coverage, be sure you know exactly what you get for your premium. Most policies have limits to the number of days the insurance company will pay for the rental and the maximum coverage per day.
Myth 3
The color of your car is a factor in determining your rate
Insurance companies consider a lot of things when they give an insurance quote. Factors like driving record, claims history and credit score are almost always used to calculate your car insurance premium. When you request a quote, your insurer will ask you questions about the make and model of your car, the year, the mileage and the engine size but not the color. Feel free to purchase a red car, it won’t affect the cost of your insurance.
When they need to purchase Auto Insurance Baltimore MD drivers often turn to a company they can trust, such as Atlantic Smith Cropper & Deeley. With 75 years experience in the insurance business and relationships with 50 insurance companies, the independent agents at Atlantic Smith Cropper & Deeley can help you get the right insurance for your needs.
