Before purchasing auto insurance in Chandler, AZ, make sure you know the facts. Auto insurance myths could cause you to make costly mistakes in choosing your coverage. At San Marcos Insurance Group, we’ll help you separate fact from myth to ensure you get the protection you need without wasting money.  

Myth: You Only Need Minimum Liability Coverage

Fact: Arizona requires that you have minimum auto liability coverage to protect others in accidents you cause. Liability insurance, however, won’t protect you against theft or cover repair costs to your vehicle if it’s damaged in a crash. By adding collision, comprehensive and uninsured motorist coverage to your policy, you’ll receive greater protection against accidents, which could save you thousands of dollars in repairs out of pocket. 

Myth: Men pay higher auto insurance rates than women.

Fact: This may be true for young men and teens as they’re often viewed as a greater risk for accidents. In general, however, gender has little bearing on auto premium costs. Your driving experience, driving record and credit rating, however, could affect the cost of your auto coverage.  

Myth: If a friend or relative borrows your car and causes an accident, he or she is responsible for damages.

Fact: Car insurance follows the car, not the driver. If you give people permission to drive your car and they cause an accident, your auto insurer is responsible for covering the cost of damages.

Myth: Rental car expenses are automatically covered in auto policies in Chandler, AZ.

Fact: If you want your insurer to pay for a rental vehicle while your car is being repaired after an accident, you have to add it to your coverage. It isn’t automatically included in your policy.   

For quality auto coverage at affordable costs, contact San Marcos Insurance Group today.