Car insurance has never been an easy topic to grasp, which is why there’s so much misinformation surrounding the subject. BestRate Auto Insurance—with locations in both Statesboro and Vidalia, GA—wants you to be eligible for the best coverage plan possible, so they’ve gathered a few of the myths you should watch out for below. 

5 Top Car Insurance Myths Busted

1. Working Directly With a Provider Is Always Cheaper

Many people think that when shopping for car insurance, it’s always cheaper to do so without a middleman like an insurance agent. However, this simply isn’t true. Working directly with companies saves insurance providers money, as they don’t have to pay agent commission fees. Unfortunately, those savings are rarely passed down to policyholders. 

2. You Can’t Shop for a New Policy With an Active One

Just because you have an active insurance policy doesn’t mean you have to wait until it ends to begin looking for a new one. Most car insurance plans will enable you to switch or cancel your policy at any time—you’ll only be required to pay a nominal cancellation fee. So, if you find something better, go for it!

3. Car Insurance Lowers When You Turn 25

Age is always an important consideration when it comes to auto insurance. But although those under 25 are more likely to be involved in an accident, your insurance rate is ultimately up to your provider—there’s no rule on the books stating that once you turn 25, your rates drop. The best way to ensure you receive a great rate is by driving defensively and keeping up with your monthly payments. 

4. Comprehensive Insurance Covers Everything, Inside & Out

Many assume that comprehensive car insurance means your car, as well as everything in it, will be covered if it’s stolen. Items connected directly to your vehicle—like its stereo or GPS system—will likely be covered, but anything else inside won’t be. If you want to ensure your iPod, laptop, and any other valuables are safe, you need to add them to your homeowners or renters insurance. 

5. If You Lend Your Car to a Friend, They Won’t be Covered in an Accident

When you purchase comprehensive car insurance, anyone behind the wheel during a fender bender is covered—as long as they’re legally allowed to drive and you haven’t explicitly excluded them from your car insurance policy.

If you’ve still got questions about these aspects of auto insurance, the professionals from BestRate Auto Insurance will be happy to help, so contact them today at (912) 489-5942. You can also visit them online for more information about their car insurance quotes.