When it comes to car insurance, there is a lot that I don’t know and I am sure that there is a lot that you don’t know.  If you are anything like me, you probably want to know everything there is to know about car insurance and what the myths are about it – well, that is what I am here for!  To provide you with knowledge. In this series of blogs, we are going to talk about some of the most common myths in the car insurance world and how you might be able to avoid some of them.  Firstly – one of the most common myths in the way of car insurance revolves around the color of your car. Have you ever heard the old saying that if you buy a red car you will actually get more speeding tickets or you will pay a higher premium?  That is not true in all cases, however red does generally mean a faster car.

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Common Auto Insurance Myths & Facts: 1

Naturally, your driving record has a huge impact on your car insurance rates. Any driving violations are bound to make you pay more. This may refer to a moving violation — i.e., a DUI, DWI, a speeding ticket, a reckless driving charge, and so on — or an accident. Anything like this will put you into a high risk category, and that results in higher premiums. You can be penalized for up to five years with certain companies. The type of vehicle you drive also affects your premiums. Naturally a cheaper car will cost less to insure than an expensive sports car. As well, your credit rating plays a big part. If your credit rating is poor or if it is nonexistent, it can put you into a high risk group. Even your occupation and education can play a part in what you pay.

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Learning the Factors Affecting Your Rates: 3