You Don’t Have to See Red Over Car Insurance

Some lies die hard.

There’s a popular one on Facebook® that makes the rounds from time to time: It concerns cattle guards and whether the federal government – usually a particular president – wants to get fire half of them because of some particular slight in Colorado. The joke is that cattle guards are horizontal steel rails placed at fence openings; for some reason, cattle don’t step over them. The ruse continues that some other clueless government official holds up the firings until the guards can be retrained for another government job. At any rate, snopes.com – the ultimate Internet fact checker – has debunked this one scores of times.

Another one that dies hard is the myth that it costs more to insure red cars than other vehicles. This one springs from the belief that law enforcement officials target red cars – only they know the truth of that one, but it’s probably false as well.

But as far as auto insurance goes, several factors go into play when setting rates. These include your driving record, your claims history, your location, how much you drive and even your credit history. The make and model of your auto, of course, also factor into the equation – newer, more expensive cars can cost more to insure than an older model. But one thing that plays no part in how much your premium is the color of your vehicle. You’d be hard-pressed to even find a provider that even asks about the color of the car you’re insuring.

Instead, you’ll find many that ask about discounts you could receive. Some are for such thing as bundling home and auto insurance; some are for things you likely already have, like automatic seatbelts and airbags; and some are for such things as having young drivers take approved safety courses.

So file the red cars cause bigger premiums claims away with cattle guards, secret shopper jobs and seeing who is visiting your profile. They’re all hoaxes.

Source: AutoInsurance