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Car Insurance Myths You Need To Stop Believing

– Contributed content –

Car at night


12 September 2018. Learning to drive is exciting for most people. There is nothing more thrilling than having your own freedom and your own set of wheels, being able to go where you want, when you want. However, if there is one thing that no one enjoys when it comes to owning a car, it is auto insurance. If you are looking for the perfect car insurance policy for you, read on to discover more about the auto insurance myths you need to stop believing.

Adding another driver will reduce your premiums – First and foremost, a lot of people believe that the best way to reduce the amount of premiums they pay is to simply add another driver. While this can sometimes work, it is not guaranteed. The term for this is ‘fronting’ and insurance companies have become wise to it, meaning that it is no longer as effective as it used to be. The best thing to do is try adding a driver, request a quote, and then remove the driver, request a quote, and compare the two.

If you get a ticket or you are involved in an accident, your insurance premiums will stay high forever – Fortunately, this is not the truth. In fact, there is a three-year limit. Once three years have passed, you can get a reduced rate again. If you are not happy with the rate has been presented to you by your current insurer, head to to see if you can find a cheaper quote via another provider instead.

Black boxes have a curfew – A lot of people stay away from black boxes because they believe that they have a curfew, meaning they will only be able to drive during the day and not on the evening. While there were a few policies like this when black boxes first came onto the market, this is no longer the case. What black boxes take into account is your driving level, not the time of day you decide to get behind the wheel.

You can drive any vehicle if you have comprehensive cover – Last but not least, this is a myth that could result in you getting into a lot of trouble if you are not careful. A lot of people believe comprehensive cover means they can drive any car they wish. This is not true – it all depends on the specifics of the policy. Head to for more information about what car insurance is and whether or not you need it.

As you can see, there are a number of different car insurance myths that people believe today. If you are guilty of believing any of the myths that have been mentioned above, there is no need to worry – most people are. At least you know the truth now. Hopefully, the information that has been provided above will put you in a better position when finding the right insurance policy for you.

Editor’s note: The opinions expressed in this post are the contributor’s and not those of Science & Enterprise.

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