Answers The Most Frequently Asked Car Insurance Questions

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There are a lot of myths when it comes to what affects auto insurance rates as well as what's covered and what's not. continues to help consumers understand their policies, this time addressing the most frequently asked questions to their website.

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Understanding the answers to the following top 3 questions can help reduce car insurance rates by over $500 per year.

Driving Record - they key to a lower car insurance rate.

A good driving record is an important factor in determining your rate, but there are many other key factors that will play a role in the overall evaluation. Personal details such as age, being a student with good grades, a senior, even credit score affects the car insurance rate. As far as the vehicle, we'll explain more in the next answer, but the type of car and crash test scores it received all have an affect on insurance rates.

The color of the car, especially if it's red will get high insurance rates.

Many associate the color of their car as a factor in raising their insurance premiums. The truth is, insurance companies don't care. Things that do matter are the year, brand, model of the car and even engine size. With that said, having a new car doesn't always equal higher rates either.

Smaller cheap cars cost less in car insurance.

For those who have comprehensive or collision coverage, it isn't always cheaper to drive a smaller vehicle. This is because the small cars don't always do well in crash tests. The smaller cars often have more damage during a collision and have a stronger chance of being 'totaled'. This means there is more risk to cover the car which also means the rate would be higher as well.

It's important to research the crash test ratings before purchasing a new car, not only to get cheaper auto insurance but to protect the personal safety of loved ones.

Visit to compare car insurance quotes today. It's a free service that will provide the top insurance companies in the area of an entered zip code. No-obligation quotes are just a few clicks away.

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Gregg Whitaker

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