Many people have certain misconceptions when it comes to their auto insurance. Whether you are shopping for new coverage or trying to save a few bucks, it can be helpful to know a couple. 

Understanding common myths and how they can affect your coverage could be the key to finding the best rate. For professional guidance in Amsterdam, NY and surrounding areas, contact Kinowski Agency Inc. 

Common Auto Insurance Myths 

Most people assume that the more expensive your policy, the more likely it is that you’ll be covered in the event of an accident. Many of these myths have been around for years, so it can be easy to think that they are true. 

One of the most common myths is that you need to drive 10,000 kilometres per year to maintain your car insurance. While this number is often printed on your policy, it is actually only a recommendation. 

There’s also a common misconception that you don’t need to purchase car insurance when you have a car. While there may be some liability coverage that your car might have, you still need to purchase liability insurance if you have a car. 

Another common myth is that you need to maintain a certain level of coverage to keep your car insurance valid. There are no laws mandating any specific level of coverage; however, it is always a good idea to have the most coverage that you can afford. Other myths include: 

• The lower your deductible, the lower your premiums.
• If you have been paying for years with no accidents or tickets, you can get away with canceling your policy 
• Buying basic liability coverage will protect you in almost any accident.
• You can get cheaper car insurance by switching to a different company or agent. 

Contact Us Today

There are a number of common myths related to auto insurance that could be holding you back from signing up with the right company. Seek advice from Kinowski Agency Inc., a company serving the greater Amsterdam, NY community.