Common Vehicle Auto Insurance Myths, Find a Policy in Illinois

by | Jun 13, 2018 | Financial Services

Are you looking for vehicle auto insurance? If so, you might believe some of the common myths that are shared among drivers in Illinois. Here are some of the most common myths about insurance along with the real story:

Buying from an Agent is the Best Way to Get Insurance

If you have started looking for car insurance, you probably know that you can buy a policy from a dedicated agent or from an online source. Many people believe that it’s best to buy from an agent since they can get a lower rate. This, however, is definitely not true. You can quite easily get a much lower rate from an online source. The more quotes you get, the better your chances of getting a lower rate. So, make sure you don’t jump at the first quote you see, and don’t just focus on agents.

Car Colors Make a Difference

You also might have heard that certain car colors, like red, are more expensive to get insured. This has no impact on your rates, however. Instead, your auto insurance rates are based on a number of factors including:

Your car’s make, model, age, mileage
Age of the driver
Credit history
Driving record

Other things that might go into the quote include the cost of the car, how popular the car is with thieves, and even how much the car costs to repair on average.

You Can Keep Rates Low By Not Reporting Accidents

You also might think that if you don’t report an accident that you can keep your rates low. This, too, is not true. If you get in an accident with another driver, it’s very likely that they will report the accident to their insurance company, even if you don’t file a claim with yours. If you get a ticket, it will appear on your driver’s record, and you can be sure your insurance company will find out.

Are you looking for vehicle auto insurance? If so, contact Accurate Auto Insurance in Illinois. You can learn more online at