Common Misconceptions About Auto Insurance

At Gallina and Sons, we have worked with people who have some pretty common misconceptions about car insurance. If you live in Pittsburgh, PA or the surrounding area and have any of the following ideas, we are here to bust them.

Insuring a Red Car Costs More

Too many people have asked us over the years if their red car is going to cost more to insure. Color has nothing to do with your policy premiums. Your policy will be affected more by things like your driving record, credit history, and more.

You Always Get The Best Policy

Many people believe that an agent is going to find the best possible insurance policy for them, no matter what. That isn’t always the case. While an agent will get you the best policy their company offers, they won’t suggest one outside of their employer. There’s a strong fact that you might get a better policy option from a different company.

Gender Affects Your Coverage

The idea that men have higher premiums than women is a silly misconception that is more like a bad sitcom joke than anything. Insurance companies base their premiums on a driver’s history and the quality of their vehicle. The gender of the driver has almost nothing to do with it.

Lapsed Coverage Saves You Money

Some people try to save a little money by letting their insurance policy lapse for a few months. This mistake is a huge one. That’s because you can not only get severely penalized if you’re caught without insurance but will end up paying higher premiums because of your lapse.

Avoid These Misconceptions

So if you live in Pittsburgh, PA or the surrounding areas and suffer from these misconceptions, please contact us at Gallina and Sons. We can help you better understand your insurance policies and ensure that you don’t experience any complications due to a misunderstanding.