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Aurora Car Insurance – Myths Debunked

People have many misconceptions about Aurora car insurance that also float around. Those myths also impact the purchase decisions of people when buying auto insurance. We are going to debunk those myths in this post.

Debunking Car Insurance Myths in Aurora

Here are the myths we want to debunk about car insurance in Aurora:

Myth #1: Red Cars Are Costly to Insure

Of course, there are variables that impact the cost of auto insurance. However, the colour of your car is not any of those variables. It does not matter if the colour of your car is red, blue, black, etc., it won’t impact your insurance premium.

Myth #2: Cars with Two-Doors Are More Costly to Insure Than Four-Doors

Sportier vehicles generally have an association with two doors. By the same token, people think cars with two doors are more expensive to insure. However, insurance companies look at the claim history of cars, not their doors, when calculating the cost of insurance. It also means cars with four doors can cost more to insurance than two doors based on factors insurers take into consideration.

Myth #3: Car Insurance Is Cheaper for Cheaper Cars 

It depends on a vehicle rather than the cost to determine if car insurance is cheaper or not. As an example, you may own a cheap car, which can cost you more to insure because of its safety ratings. Insurance companies take into consideration the likelihood of a car getting stolen, how prone it is to vandalism, etc. Based on the aforementioned factors, luxurious cars may cost less to insure, too.

Myth #4: Parking Tickets Make Your Auto Insurance Go up 

It is not true, as parking tickets won’t impact your insurance rate. However, unpaid tickets can impact your ability to renew your driver’s license. As a result, it can cause your administrative license suspension and eventually impact your car insurance rate.

Myth #5: Speedy Tickets Make Your Auto Insurance Rise

It is likely speedy tickets can let your Aurora car insurance go up. Nevertheless, your first minor speeding ticket, which is generally less than 50km/h over the speed limit, won’t impact your insurance. In case you get two or three speedy tickets, you can expect your car insurance rates to go up. By the same token, it is important that you drive carefully on the road.

Myth #6: If Someone Else Driving Your Car Gets in an Accident, That Person’s Insurance Will Pay for It

It is not true. In fact, you lend your auto insurance, too, when you lend your car. The same holds for your good driving record. Put differently, if someone else driving your car gets into an accident, the person’s insurance won’t be affected. But yours will.

Myth #7: Your Car Insurance Rate Will Match Your Neighbour’s

The place where you live is certainly a factor in determining the rates for car insurance. However, it is not the only factor that insurers take into consideration. There are also other factors. As an example, a car insurance company will look at your driving experience, insurance history, vehicle type, etc. It means you won’t get the same car insurance rate as your neighbour’s based on the aforementioned factors.

Myth #8: Your Car Insurance Rate Stays the Same If You Move

It is not true, too, as where you live plays an important role in determining your car insurance rates. It means changing your address will impact your car insurance as well. Depending on the area you move will determine whether you will pay more or less for car insurance.

Myth #9: Lower Deductibles Mean Lower Rates

It is also a misconception. In fact, the opposite holds. That is, the higher the deductibles, the lower the rates. Besides, a deductible is the amount you will pay in the event of a claim, with your insurance provider covering the rest. By the same token, if you increase your deductible, the insurance company will lower its rates.

Myth #10: All Auto Insurance Rates Are the Same

If you think that way about car insurance, you are wrong with people with the same misconception. Car insurance rates considerably vary in Aurora, Ontario, based on insurance companies. For the same reason, experts recommend you compare the auto insurance rates of different companies. If you do compare, it can help you get the best deal for auto insurance in Aurora.

To Finish

Here is a recap of all the myths we debunked about Aurora car insurance:

  1. Red cars are costly to insure.
  2. Cars with two-doors are more costly to insure than four-doors.
  3. Car insurance is cheaper for cheaper cars. 
  4. Parking tickets make your auto insurance go up. 
  5. Speedy tickets make your auto insurance rise. 
  6. If someone else driving your car gets in an accident, that person’s insurance will pay for it.  
  7. Your car insurance rate will match your neighbour’s.
  8. Your car insurance rate stays the same if you move.
  9. Lower deductibles mean lower rates.
  10. All auto insurance rates are the same.

Media Contact: 

Company name: Insurance Genie

Telephone: 1-416-508-7560


Insurance Genie” is a company with a team of insurance underwriters. It can help you get the best insurance rate in Ontario based on your needs for insurance.