Auto insurance policies can be confusing, and you shouldn’t believe all of the information that’s out there. Sometimes misinformation spreads, but Vargas and Vargas Insurance is here to help separate fact from fiction. Here are three common auto insurance myths, debunked:
Red cars cost more to insure – When you purchase auto coverage, insurance providers aren’t going to consider the color of your car when determining your premium. Instead, they will look at the car’s make, model, and year. Other bits of information will also be factored in, including the home location of the vehicle, and information about the driver(s) of the car.
I’m covered for theft, vandalism, fire, and flood – Just because you have a Massachusetts auto insurance policy doesn’t mean you are covered for every possible type of scenario that will damage your car. People who own their car aren’t required to have coverage for these situations, so talk to your insurance agent to make sure that you will be covered in all of these circumstances.
A friend borrowed my car and got into an accident, so he is responsible for the damage – Auto insurance covers a vehicle, not a driver. If your car is in an accident, it will be covered by your auto insurance. Also make sure that your insurance will allow others to use your vehicle before you lend it to anyone not listed on the policy.
People can say some crazy things about auto insurance. If you have any questions about your coverage, all you have to do to get answers is call Vargas and Vargas Insurance Agency at 617-298-0655. Our Massachusetts insurance agents know what is true and what isn’t, and we will be happy to help you with your queries and concerns.