Convertible cars are the most expensive to insure

Car insurance companies take insurance history into account for every car category. If a type of car is favored by people who like to drive fast, the insurance company will charge more to insure it, to allow for the accidents that it considers more likely with the car. The convertible car type isn't necessarily the most expensive to insure. Some types of convertibles are preferred by quiet drivers, and aren't expensive to insure. On the other hand, some models of sedan are preferred by fast drivers, and are expensive to cover.

Red cars are more expensive to insure

Drivers of red cars sometimes complain that they get pulled over more often for speeding. Car color isn't a factor when insurance companies calculate insurance rates, however. It doesn't matter if your car is red. It doesn't change what you pay for insurance.

Cheaper cars are cheaper to insure

While the list price of a car does have an effect on what insurance costs, the relationship isn't always linear. Some cheap cars cost a lot more than expensive cars to insure, because they have a reputation for being favored by car thieves. The greater the possibility a car will be stolen, the higher its insurance rate is.

When you have an accident or get a ticket, it raises your insurance rates forever

Tickets and accidents do raise your insurance rates. They only stay up for a few years, however. Your insurance quote becomes less expensive with the passing of each uneventful year after an incident.

You can put a young driver on a parent's insurance policy to save

Since young drivers often find it expensive to insure their cars, they tend to try the fronting method -- they put one of their parents on their policy as the primary party insured, and put their own names in there as the secondary driver. While it can be hard for an insurance company to prove that a driver is fronting, they don't actually need to prove anything. They can reject claims if they suspect it.

Every policy covers you against car theft

In truth, many car policies do not offer cover for theft or damage. Many cheap policies only cover for third-party liability, for instance. They offer no coverage against occurrences such as theft or collisions.

Drivers with bad records cannot find insurance

Insurance is available to every kind of driver. If you have a bad record, however, you will need to go to specialty insurance companies that handle high risk. These insurance policies can be expensive.

If your policy has glass coverage, you get new glass every time there's a crack

If your policy offers glass coverage, the insurers may offer to pay for new glass if you break something. If there is only a crack, however, they may choose to simply pay for repairs, rather than for new glass.

You don't need to tell your insurance company if you're moving

Your zip code can affect the insurance rates that you are quoted. A lot depends on how often car thefts are known to occur in your area. If you move to a high-risk location, you need to inform your insurance company so that they can re-calculate your premium.

Insurers will offer you very little money for a vehicle that's written off

If you are in an accident, and the car is a total write-off, you may find that your insurer doesn't offer you enough to pay for a new replacement car. You may feel cheated when they get back to you with a low offer. In truth, however, insurance companies don't lowball their clients. All they do is to offer you what you would get if you sold a car such as yours at a used car dealership. They tend to use widely accepted pricing resources such as the Blue Book.

Car insurance can be complicated, costing different sums for reasons or factors that often seem to have nothing to do with insurance. It's important to start with good information to help ensure that you don't pay too much. Once you’ve insured your vehicle, make sure to keep it sparkling clean with regular visits to any of our Speedwash locations in Kentucky!