The most common misconceptions about car insurance

1. Red cars cost more to insure
   Many believe that driving a red car leads to higher insurance rates. However, color has no impact on your premium. Insurance companies consider factors like the make, model, engine size, and driving history.

2. Minimum coverage is always enough
   While having the minimum legal coverage might seem like a way to save money, it may not fully protect you in case of a serious accident. Additional coverage can prevent huge out-of-pocket costs.

3. Your insurance covers any driver
   If someone else drives your car and gets into an accident, your insurance may not cover the damage unless they are listed on your policy.

4. Personal items in your car are covered
   If your belongings, like a laptop or phone, are stolen from your car, your auto insurance won’t cover them. You would need homeowners or renters insurance for that.

Understanding the facts about car insurance can help you make better decisions and avoid costly mistakes. Always read your policy carefully and ask your insurer if you have questions!

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