Complete Vehicle Services Paraparaumu on Car Insurance Myths

Complete Vehicle Services Paraparaumu on Car Insurance Myths

Learning about insurance coverage can be confusing, even with the most comprehensive information and the most detailed accounts of policies. Regardless of how much information is out there, the bigger concern is how much misinformation exists regarding car insurance. As the result of this misinformation, there is a detailed mythology involving car insurance that may cause some potential consumers reservation when it comes to applying for appropriate coverage.

Colour Matters

One myth, believe it or not, is that the colour of the vehicle makes a difference when applying for insurance coverage. A lot of people believe that coverage for the make, model, and especially the colour of the vehicle can make a difference in the overall quality and amount of coverage given. This is a myth, as it doesn’t matter what colour your car is. The coverage will be the same. The myth came about because some people believed a white car can be seen better in bad weather conditions and so it should attract a lower insurance premium. Sorry, not true!

Parking Ticket Problems

Some people believe that getting a parking ticket can influence insurance rates. Surely if this were the case, we’d all be facing skyrocketing rates on a regular basis. Car insurance rates are not affected by parking tickets or other similar situations. These tickets by themselves do not count against any insurance record, but not paying tickets can impact your ability to renew your driver’s license which could, in turn, affect your overall rate. The lesson learned here is clear: pay your parking tickets!

Speeding

Speeding is a serious problem that can impact your driving record, but a single speeding ticket will likely not impact your insurance rates. Of course, if your single speeding ticket involves driving at a reckless speed several dozen miles over the limit, you can bet that your rates will be impacted. One or two minor convictions for speeding won’t have a say in your rates, but accumulate a few more of those and you can be rest assured that you’ll be paying more when it comes time to renew your policy.

It’s Not My Fault!

One myth about accidents is that you don’t have to pay a deductible (excess) if the police assert that an accident is not your fault. This is not necessarily the case. The police may not have deemed you criminally responsible as a driver in the accident, but it is your insurance company that holds the key as to whether or not you’ll be paying. If the insurance company investigates the accident and discovers that it wasn’t your fault, you’re in the clear and they may possibly waive your deductible. If their findings differ, however, you’ll be paying.

Cheap is Best

Many people think that insuring cheaper cars is more affordable than insuring more expensive, luxury cars. This is not the case. The premium paid for automobile insurance is based on a combination of factors, including the original price of the car, any repair costs, theft frequency, and any claims history on the vehicle. If you’re older, cheaper car has a history of repairs and problems with other claims, it will likely not be cheap to insure. If a newer, luxury car lacks any history of repairs and has no claim history, it may be less expensive than your older car. Every rate is different.

For any technical and mechanical questions or concerns regarding your car you should come to Simon at CVS in Ihakara Street. Simon at Complete Vehicle Services in Paraparaumu on the Kapiti Coast is an MTA Certified Mechanic, and he is the best person who can technically and professionally check up on your vehicle’s safety and recommend and check the correct tire pressure for your car. For Peace of Mind contact Simon today on 04 902 6066 to make an appointment, or contact Simon directly at CLICK HERE

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