Car Insurance Quote Myths Dispelled

Car Insurance Quote Myths Dispelled

Insurance companies ask for an awful lot of information when it comes to getting car insurance quotes. The level of detail required by the companies is all used to judge the risk you and your vehicle pose, and how likely it is you will make a claim. There are a lot of myths and rumours surrounding car insurance quotes however, most of which are utter rubbish. Here we dispel the fiction and reveal the truth behind your car insurance quote.

Car Colour Makes a Difference

A common myth but utterly untrue; many people are led to believe that the colour of their car will have an effect on their car insurance quote. There are two schools of thought on colour affecting car insurance premiums. The first idea is that the popular car colours: silver, black and red are easier to sell on and hence hold their value much better. Higher value cars tend to have more expensive insurance quotes, and so the myth goes that if you want to get a cheap car insurance quote, buy a car in a lurid pink.

On the other hand, rumours would have you believe that unusual car colours by their rarity are much more expensive to repair if there is any body work damage, and hence insurance companies require a premium for buying a car in fluorescent yellow. Both explanations are completely false; car colour has no bearing whatsoever on your car insurance quote.

My Credit History Will Be Reviewed

Whilst this was certainly prevalent a few years ago, in most cases now car insurance companies will not check your credit rating. The advent of the internet has made car insurance a highly competitive market, and with so many companies out there, insurers are much less likely to take your credit history into account than they were in the past. Whilst it is true that you can receive a discount to your car insurance quote for paying upfront rather than in instalments, this is true for all customers and has nothing to do with credit rating.

Living in a Sunny Area Will Get Me a Cheaper Quote

The reasoning behind this perpetuated legend comes from the true fact that drivers are less likely to have an accident in clear and dry weather conditions. As the myth goes, if you live in an area which has historically better weather, you will on average have more days on the road with clear and dry driving conditions which means you should have fewer accidents as a result of your geographic location.  This myth arises from confusion about one of the criteria asked for from insurance companies. When getting a car insurance quote, companies require you to provide an address because they monitor the average crime levels in your neighbourhood. The weather is of no consequence to your car insurance quote.

Watch the video related to cheap insurance quotes

How to get online auto insurance quotes tutuorial video.

Help answer the question about cheap insurance quotes

Cheap car insurance for a 17 year old boy on a UK full licence?
do you know any cheap insurance providers who could give a reasonable quote for a 17 year old, with a pass plus on a full UK licence, as go compare is giving quotes of £3000+ which if far too much for a student, plus this is only third party, please help!

Affordable Car Insurance Quote

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18 Responses

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  1. fcking Girl in red Costume – __UXPORNTUBE{.}COM__

  2. listen mine……lol

  3. As a life insurance agent who deals with insurance day in and day out I appreciate your frustrations from looking at thousands of insurance sites. My site
    http://www.smartlifeinsurancequotes.net can serve as an excellant resource to start your online life insurance shopping. They have agents that you can speak to or email. You can get quotes from over 140 companies with a robust data base.
    They are many sites like these but you have to do you research. Like anything else there is the good and bad and the internet is the best place to start your search.

    Good luck
    Insguy

  4. This is where you might beat that quote
    http://www.simplyinsurancequotes.com/?id=nsth

  5. i know this off by heart
    and my wee brother knows most of it too, hes only 2, but he cant say every word
    but hes still cut
    thanks xxxxxxx

  6. This is so funny,lol,for more than the obvious reasons.There are no meerkats in Russia,so to me as a South African..hearing a meerkat speak in a russian accent is hilarious.Whats next..a tibetan Lama with a Transylvanian accent?hehehe,it still is a very cute add.

  7. Nice work. keep it up. mean time come for social media marketing for esteembpo**com FJH

  8. Call around, get quotes. You need to do some leg work on this because each company will look at your record and intended vehicle differently. see this http://gsx1.com/InsuranceComparison.html it's one
    form to get a number of quotes from different insurers. It's free and a big time saver, these are all the main American insurers competing to get your business so you are bound to find something that suits
    you, if not, here's more from my bookmarks
    http://autoinsurance.guidearticles.com/

  9. This is a great site for quotes

    http://lowcost-healthinsurance.org/

    You can compare plans from a bunch of companies..

  10. From an independent agent in Manchester. And it gets rated based on the risk. So "cheap" insurance still isn't going to be "under cost".

  11. Best profession would be one where you don't work at night like waiters, cooks etc and obviously away from alcohol or risk.
    Perhaps say you are a webmaster or a builder.
    But the best way to save dough is to ask everyone's quote and go for the cheapest.
    And I do mean asking 67 or 94 or so quotes. Internet and yellow pages. Go for it.
    Here's a few UK ones
    http://finance.ebookorama.com/ukusa-selected-resources.php
    remember to write down all prices and phone numbers or web addresses or you are just wasting time.
    good luck

  12. Music video tribute to tight bodied teens – _APRETTYGIRLS{.}COM_

  13. really funny when Compare the Meerkat theme play aleksandr cant stop himself from singing along 0:13 lol

  14. see this http://gsx1.com/InsuranceComparison.html take the quote, they'll come back with prices from different insurers in your area. It's very quick and free of charge.
    But to find a cheap price you should get several quotes, do some legwork till something better will come along.
    Here's more from my bookmarks
    Here's some others from my bookmarks:
    http://gsx1.com/Car-Insurance/100.php

  15. Lovingames12

    00:09 goo the cats

  16. lots of choice here
    http://www.esuperfind.com/carinsurance.php?id=78932

  17. Cheap Car insurance in the US is becoming difficult to find, and options are pretty limited. But there's a pretty good site that compares up to 12 insurance carriers by filling a single form:

    http://www.simplyinsurancequotes.com/

    Take a look. Hope it helps.

  18. I know! He’s so cute!

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