Here are Some myths about Car Insurance

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Getting the right car insurance can be a difficult process and can be quite confusing at times. The first and the most important thing that you will need to find out is how much insurance you will need. Make sure that you compare the quotes from various companies and then choose the company that provides you with the best quote. Unfortunately, several drivers do not understand insurance fully.
Many factors work as a deciding factor about the type of insurance that you should choose for your car. While choosing the right policy, you might come across a lot of important factors. Some of these factors are nothing more than just myths.
If you are interested to know about the various myths that are related to car insurance then you can go through the discussion below:
  • Myth 1- The colour is one of the deciding factors of the price of auto insurance: The colour of the car is red or it is white, it has nothing to do with the amount of insurance premium that you will have to pay. The premium is decided by several factors and these include the make and the model of the car, the age of the vehicle and also the size of the engine. Apart from this the other factors that determine the car insurance premium are the price of the car stickers, the cost of repairing these stickers, the safety record and also the chances of car theft. The insurance company also takes into account the age, the credit history and also the driving record of the insured person. You must understand that car insurance in Ireland is no way dependent on the colour of the car.
  • Myth 2 - If the age of the insured is more then he or she has to pay more premium: This statement is not at all true. If the drivers are older then they can get more discounts as they are much more experienced. For example, if the driver is 55 years or above and has completed the accident prevention course then he is eligible for a discount. Moreover, people who are retirees and drive less may also be eligible for a discount.
  • Myth 3 - Men pay a higher insurance premium as compared to women: This is another very common myth because men are said to be riskier drivers. Though it might be true to a certain extent among certain age ranges this is certainly not a consistent truth. There are also certain cases where women pay higher insurance that men with similar profiles. In most cases, gender will not have any effect on your car insurance premium.
  • Myth 4 - If you change your car insurance company then you will lose the NCB: There are some people who think that the car insurance policy is associated with the vehicle. This is not true. The policy is associated with the car owner. Therefore if you have accumulated the NCB or No Claim Bonus, then you will be getting it even if you change the insurance company.
If you are a resident of Ireland then make sure that you get a car insurance done. Many companies are providing you with car insurance but make sure that you choose the best car insurance Ireland
Location: Ireland

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