car insurance in CT

3 Car Insurance Myths

Everyone needs personal car insurance in CT. In order to get the best deals, however, you need to be aware of the myths and have the facts behind them. Here are three common insurance myths.

1. Rates Don’t Rise If You Don’t Report an Accident

Some people suggest not reporting an accident to avoid high rates. Often, what happens is that the other driver will file a claim. When this happens, if you didn’t report the accident, your premiums will rise.

2. Red Cars Have Higher Premiums

Red cars get a bad reputation for being high-risk. The truth is that color never has an impact on your premium. Here are the car details that really determine your rates:

  • Model
  • Make
  • Body Type
  • Engine Size
  • Age

Safety record, repair costs and popularity with car thieves may affect the price, but color never does.

3. Insurance Premiums Are Higher If You’re Older

The myth is that older drivers have higher premiums due to poor eyesight. Often, you’ll find that the opposite is the truth. Older drivers, especially those over 55 usually qualify for lower rates.

When shopping for car insurance in CT, it’s important that you know the truth. Knowing the truth can help you be a more a responsible driver and will keep your premiums low.