You should get your car insured not just because the state requires you to. All drivers have a responsibility to themselves and their passengers, their fellow drivers and the public as soon as they step on the gas. The responsibility to cover for damages when accidents happen is just what insurances are for. However, many would rather vow to drive as safely as they could or perhaps cross their fingers to not get into any kind of trouble when they drive than to get car insurance for the simple reason that it costs money. Car insurance will really leave you flat broke if you believe these myths.



Everybody who drives a car should have collision and comprehensive coverage.

Comprehensive coverage would take care of your loss when your car gets damaged by something other than a car crash, while collision coverage is for road accidents you might get into. Looking at this myth, these coverages are perfectly useful. However, these could be very expensive if your car has little or no value. You can nonetheless have liability coverage.

Be covered for all possible injuries.

It can happen that because you have applied for so many kinds of insurances you forget about them and what they are covering you from. When you talk to your car insurance agent, he might offer you the maximum personal injury protection (PIP) coverage that would cover for your hospital bills if you do get into a car collision. This sounds good alright but you definitely don't need it if you are already covered by a good insurance health policy. If you want to be extra protected you can apply for PIP by take only the minimum.

Your car can break down anytime, you can have assistance wherever you are.

There are some car insurances that include road assistance. This is very useful because there is some truth about the myth; your car can break down anytime and leave you stranded some where. But you certainly don't need your auto insurance's road assistance service, which you should pay for if you already belong to an automobile club that has this too. Where's the practicality in having to pay two teams to come rescue you?

You will need to repair you car someday and the costs will be covered.

Cars are magnificent and mean machines until some of their parts get rusty. This is a fact that all car owners deal with. That's why there are mechanical breakdown insurances. These are useful but there are special circumstances that you don't need them. One is when your car is brand new. This doesn't mean that because it's new the chances of its parts breaking down are slimmer. You won't need mechanical breakdown insurance for your new car because you can have it repaired for free because it's still covered by its warranty. This also applies if you have a car that is leased.

Buy insurance and use it whenever something bad happens on the road.

You get your car insured so that you can be financially protected. But the biggest myth believed by so many people is that as long as they are paying the premiums, they can use their insurances whenever they feel like it. This is wrong because car insurance is bought to be used only when you really can't handle the costs of an unforeseen traffic incident. Buying insurance is important because you never know what your travels might end up with. If you use your insurance to cover damages or injuries you can pay for, expect your company to raise your premium.