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Missouri Auto Insurance Quote Fact Vs. Fiction

If you’ve ever purchased auto insurance before you may have made your purchase without really understanding what you’re buying. It’s important that all consumers separate the fact from the fiction whe...

If you’ve ever purchased auto insurance before you may have made your purchase without really understanding what you’re buying. It’s important that all consumers separate the fact from the fiction when getting a Missouri auto insurance quote. A simple mistake can cost you hundreds of dollars in additional premium or tens of thousands of dollars if you have an accident and are not covered properly.

Please read the following five insurance myths and consider your own knowledge of the subject the next time you get a Missouri auto insurance quote:

Myth: “Full coverage” insurance protects everything.
Reality: You cannot purchase “full coverage” insurance because there really is no such thing. In fact, most states only require that you carry liability insurance. There are a lot of other coverage options out there, so select what you need and can afford based on your personal situation.

Myth: I must get multiple estimates before my insurance company will repair my wrecked vehicle.
Reality: This may or may not be true. A few insurers actually require you to get more than one estimate, although the majority do not. If your insurance company has an approved “network” of shops, and you decide to use one of these shops to repair your vehicle, you may only need one estimate.

Myth: My insurance rate will definitely increase if I file a claim.
Reality: It depends upon the company. Depending upon your company’s policy your rate can increase, decrease or stay the same. Your previous driving history, along with other factors, determines whether or not your rate will change as the result of an accident.

Myth: Damage to my car is covered if I lend it to someone and he/she crashes it.
Reality: Not necessarily. If the individual who wrecks the vehicle does not have the optional physical damage coverages, your vehicle will most likely not be covered.

Myth: If I buy a new car, my auto insurance company automatically knows; and my new car is covered.
Reality: No. Most insurance companies require that you notify them or your agent within a specified number of days. The generally accepted number of days for which you automatically have coverage is 30.

You’ve now learned that it’s not difficult to separate the fact from fiction if you just spend a little time learning about what you need to know the next time you request a Missouri auto insurance quote. Now that you have the necessary information you may contact an agent with confidenceBusiness Management Articles, knowing that you are familiar with the important concepts.

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Comfort Insurance provides the best price on a Missouri auto insurance quote. Please visit our home page for more information.



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