Insurers are asking for an awful lot of information when it comes to getting car insurance quotes.The level of detail required of the companies all used to assess the risk, you and your vehicle is and how likely it is you want to make a claim. There are many myths and rumors about car insurance quotes, however, most of which is nonsense. Here we dispel the fiction and uncover the truth behind your car insurance quote.
Car Color makes a difference
A common myth, but quite untrue; many people are misled into believing that the color of their car will have an effect on their car insurance quote. There are two schools of thought on color affects car insurance premiums. The first idea is that the popular car colors: silver, black and red are easier to sell, and thus keep their value much better. Higher value cars tend to have more expensive insurance quotes, and so the myth goes that if you want to get a cheap car insurance quote, buy a car in a dark pink.
On the other hand, rumors would have you believe that unusual car colors by their rarity is very expensive to repair if there is no body damage, and thus insurers require a premium to buy a car in fluorescent yellow. Both explanations are quite wrong car color has no bearing whatsoever on your car insurance quote.
Our credit history will be reviewed
Although this was certainly prevalent a few years ago, in most cases now, car insurers will not check your credit rating. The advent of the Internet has made car insurance a highly competitive market, and with so many companies out there, insurance companies are far less likely to take your credit history into account than they were previously. Although it is true that you can receive a discount on your car insurance offer to pay in advance rather than in installments, this applies to all customers and has nothing to do with credit.
Living in a Sunny area will get me a Cheaper Quote
The reasoning behind this immortalized legend comes from the true that drivers are less likely to have an accident in a clear and dry weather. As the myth says if you live in an area that historically has better weather, you will have an average of several days on the road, with clear and dry driving conditions, which means you have fewer accidents due to your location. This myth is due to confusion about one of the criteria requested by insurance companies. When getting a car insurance quote, companies require that you provide an address because they monitor the average crime in your neighborhood. The weather is not affecting your car insurance quote.
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