1. “I’m a safe driver; I don’t need insurance.”

Fact: Accidents can happen due to others’ mistakes, weather conditions, or unforeseen events. Insurance protects you financially even when the unexpected occurs.

2. “Minimum coverage is enough to keep me safe.”

Fact: Minimum liability coverage might not fully cover costs in major accidents, leaving you financially vulnerable. Comprehensive or collision coverage can bridge the gap.

3. “Car insurance is too expensive.”

Fact: Many factors, like safe driving habits, bundling policies, or installing anti-theft devices, can lower premiums. Insurance often costs less than paying out-of-pocket for accidents.

4. “My credit score doesn’t affect my car insurance rate.”

Fact: In many states, credit-based insurance scores influence premiums. Maintaining a good credit score can reduce costs.

5. “Older cars don’t need insurance.”

Fact: Even older cars can benefit from coverage like liability insurance, which is often required by law, and uninsured motorist protection.

6. “Insurance only covers accidents.”

Fact: Comprehensive policies cover theft, vandalism, natural disasters, and more—protecting you beyond collisions.

7. “I don’t need uninsured/underinsured motorist coverage.”

Fact: With 14% of U.S. drivers uninsured, this coverage ensures you’re not left footing the bill if an uninsured driver causes an accident.

8. “Filing a claim will always raise my rates.”

Fact: Not all claims result in higher premiums. For example, some policies include accident forgiveness.

9. “Insurance isn’t worth it for young or high-risk drivers.”

Fact: Tailored policies and discounts for safe driving or education can make insurance more affordable for younger drivers.

10. “Comparing insurance policies is too confusing.”

Fact: With the right tools or guidance from an agent, you can easily find a policy that fits your needs and budget.