Mercury Insurance Helps Dispel Common Auto Insurance Myths
Mercury Insurance (NYSE:MCY) has released an educational guide addressing seven common misconceptions about auto insurance to help consumers make informed decisions. The company's Director of Product Management, Justin Yoshizawa, clarifies several myths including:
Key misconceptions addressed include: car color affecting insurance rates, age-based pricing, credit score impact, comprehensive coverage scope, minimum liability requirements, insurance policy coverage for other drivers, and business vehicle usage. The guide emphasizes that factors like vehicle make, model, safety record, and driver history actually determine rates, while highlighting that older drivers may qualify for special discounts.
The company recommends a minimum of $100,000 bodily injury protection per person and $300,000 per accident for adequate coverage.
Mercury Insurance (NYSE:MCY) ha pubblicato una guida educativa che affronta sette comuni idee sbagliate sull'assicurazione auto per aiutare i consumatori a prendere decisioni consapevoli. Il direttore della gestione prodotti dell'azienda, Justin Yoshizawa, chiarisce diversi miti tra cui:
Le principali false credenze trattate riguardano: l'influenza del colore dell'auto sulle tariffe assicurative, la determinazione dei prezzi basata sull'et脿, l'impatto del punteggio di credito, l'estensione della copertura completa, i requisiti minimi di responsabilit脿 civile, la copertura assicurativa per altri conducenti e l'uso del veicolo per scopi lavorativi. La guida sottolinea che fattori come marca, modello del veicolo, record di sicurezza e la storia del conducente sono quelli che realmente influenzano le tariffe, evidenziando inoltre che i conducenti pi霉 anziani possono beneficiare di sconti speciali.
L'azienda raccomanda una protezione minima di 100.000$ per danni fisici a persona e 300.000$ per incidente per una copertura adeguata.
Mercury Insurance (NYSE:MCY) ha publicado una gu铆a educativa que aborda siete conceptos err贸neos comunes sobre el seguro de autom贸vil para ayudar a los consumidores a tomar decisiones informadas. El director de gesti贸n de productos de la compa帽铆a, Justin Yoshizawa, aclara varios mitos, entre ellos:
Los conceptos err贸neos clave que se abordan incluyen: el efecto del color del coche en las tarifas del seguro, la fijaci贸n de precios basada en la edad, el impacto del puntaje crediticio, el alcance de la cobertura integral, los requisitos m铆nimos de responsabilidad, la cobertura de la p贸liza para otros conductores y el uso del veh铆culo para negocios. La gu铆a enfatiza que factores como la marca, el modelo, el historial de seguridad del veh铆culo y el historial del conductor determinan realmente las tarifas, destacando que los conductores mayores pueden calificar para descuentos especiales.
La compa帽铆a recomienda una protecci贸n m铆nima de 100.000$ por lesiones corporales por persona y 300.000$ por accidente para una cobertura adecuada.
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Mercury Insurance (NYSE:MCY) a publi茅 un guide 茅ducatif traitant de sept id茅es re莽ues courantes sur l'assurance automobile afin d'aider les consommateurs 脿 prendre des d茅cisions 茅clair茅es. Le directeur de la gestion des produits de l'entreprise, Justin Yoshizawa, clarifie plusieurs mythes, notamment :
Les principales id茅es re莽ues abord茅es incluent : l'influence de la couleur de la voiture sur les tarifs d'assurance, la tarification bas茅e sur l'芒ge, l'impact du score de cr茅dit, la port茅e de la couverture tous risques, les exigences minimales en mati猫re de responsabilit茅 civile, la couverture de la police d'assurance pour d'autres conducteurs et l'utilisation professionnelle du v茅hicule. Le guide souligne que ce sont en r茅alit茅 des facteurs tels que la marque, le mod猫le, le dossier de s茅curit茅 du v茅hicule et l'historique du conducteur qui d茅terminent les tarifs, tout en mettant en avant que les conducteurs plus 芒g茅s peuvent b茅n茅ficier de r茅ductions sp茅ciales.
L'entreprise recommande une protection minimale de 100 000 $ par personne pour les blessures corporelles et de 300 000 $ par accident pour une couverture ad茅quate.
Mercury Insurance (NYSE:MCY) hat einen Leitfaden ver枚ffentlicht, der sieben h盲ufige Missverst盲ndnisse 眉ber Kfz-Versicherungen behandelt, um Verbrauchern fundierte Entscheidungen zu erm枚glichen. Der Produktmanagement-Direktor des Unternehmens, Justin Yoshizawa, kl盲rt mehrere Mythen auf, darunter:
Wichtige angesprochene Missverst盲ndnisse sind: der Einfluss der Autofarbe auf die Versicherungspr盲mien, altersabh盲ngige Preisgestaltung, Auswirkungen der Kreditw眉rdigkeit, Umfang der Vollkaskoversicherung, Mindestanforderungen an die Haftpflicht, Versicherungsschutz f眉r andere Fahrer und Nutzung von Fahrzeugen f眉r gesch盲ftliche Zwecke. Der Leitfaden betont, dass Faktoren wie Fahrzeugmarke, Modell, Sicherheitsbilanz und Fahrervergangenheit tats盲chlich die Pr盲mien bestimmen, und hebt hervor, dass 盲ltere Fahrer f眉r spezielle Rabatte infrage kommen k枚nnen.
Das Unternehmen empfiehlt einen Mindestschutz von 100.000$ f眉r Personensch盲den pro Person und 300.000$ pro Unfall f眉r einen angemessenen Versicherungsschutz.
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Holding on to Common Misconceptions Can Affect Your Rates
"There's a lot of misinformation out there when it comes to auto insurance," said Justin Yoshizawa, Director Product Management State for . "We want to help consumers separate fact from fiction so they can make smart, informed decisions when shopping for coverage."
Myth #1: Color determines the price of auto insurance
It doesn't matter whether your car is "Arrest Me Red" or "Hide In Plain Sight White"鈥� the color doesn't actually factor into your auto insurance costs. The聽price of your auto policy is , such as a car's make, model, its overall safety record and its likelihood of theft. Insurers also take into account the age, driving record and sometimes the credit history of the driver.
Myth #2: It costs more to insure your car when you get older
In general, rates actually tend to go down as policyholders get older and have more experience behind the wheel, with those in their mid-50s typically paying the cheapest rates before rising again for seniors. However, . For example, those over 55 years of age can get a reduction in their auto insurance premium if they successfully complete an accident prevention course (available through local and state agencies as well as through the AAA and AARP). Retirees or those who aren't employed full time 鈥� and therefore, who are driving less 鈥� may also be eligible for a car insurance discount.听
Myth #3: Your credit does not affect your insurance rates
驰辞耻谤听聽鈥� which is derived from your credit history 鈥� may matter. A good credit score demonstrates how well you manage your financial affairs and has been shown to be a good predictor of whether someone is more likely to file an insurance claim. As a result, many insurance companies take it into consideration when you want to purchase, change or renew your auto insurance coverage. People with good credit 鈥� and, therefore good insurance scores 鈥� often end up paying less for insurance.
Myth #4: Your insurance will cover you if your car is stolen, vandalized or damaged by falling tree limbs, hail, flood or fire
This is only true if you opt for comprehensive and collision coverage along with聽. If a car is worth less than
Myth #5: You only need the minimum amount of auto liability insurance required by law
Almost every state requires you to buy a minimum amount of auto liability coverage, but buying聽only聽the minimum amount of liability means you are likely to pay out of pocket for losses incurred after an accident 鈥� and those costs may be steep. The insurance industry and consumer groups generally recommend a minimum of
Myth #6: If another person drives your car, in the event of an accident, his or her auto insurance will cover the damages
In most cases, auto insurance follows the car, not the driver. This means that the car owner's insurance company must pay for damages caused by an accident, regardless of who is driving. Policies and laws differ by state, so make sure you understand the rules before allowing another person to drive your car.
Myth #7: Personal auto insurance also covers business use of your car
If you are self-employed and use your vehicle for business purposes, personal auto insurance may not protect you, so it's important to purchase business vehicle insurance. If you have other people 鈥� such as employees 鈥� using your vehicle, regularly check their driving records.听
"Understanding what really affects your rates 鈥� and what doesn't 鈥� can save you money and help ensure you're properly protected," emphasized Yoshizawa.听
To learn more about car insurance, visit Mercury's blog.听
About Mercury Insurance聽
Headquartered in
Since 1962, Mercury has provided customers with tremendous value for their insurance dollar by pairing ultra-competitive rates with excellent customer service, through more than 4,200鈥痚mployees and a network of more than 6,340 independent agents in 11 states. Mercury has earned an "A" rating from A.M. Best, as well as "Best Auto Insurance Company" designations from Forbes and Insure.com. For more information visit聽or follow the company on Twitter or Facebook.听
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