10 Auto Insurance Myths You Should Know About

The truth about fallacies of many car owners believing that the insurance premium coverage for their new car is covered, and maybe the truth just might make you change course.
(1) "No-fault insurance means, is it not my fault?" That means that your insurance company pays for your damages regardless of who's at fault. No they don’t!

(2) "Can the color of my car affect my insurance rate?" No!
What do influence your rate are your vehicle's year, make, model, body type, engine size, credit history and driving record.

(3)"If I lend my car to a friend and that friend is in an accident, his or her insurance company will pay for the damages…right?" Wrong!

Your car is your responsibility! And guess what, even though you weren't present at the time of the accident, you still will receive a mark on your insurance record and your insurance premium could possibly go up.

(4) "Is my insurance rate is set by the government?" No!
The government has nothing to do with your car insurance rate. Where you live, your credit score, marital status and your driving record is what actually affects your premium.

(5) "I recently paid my insurance premium. Is my new car I just purchased is covered?"

Not necessarily. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle.

(6) "Is it a fact that male driver under the age of 25 pay more for auto insurance?" Yes! Male driver under 25 years old can potentially pay more for car insurance than female drivers. However, across the board, teenagers and mature adults pay more for auto insurance, due in large part because these age groups are typically involved in more automobile accidents.

(7) "Can my credit score have any affect on my insurance rate?" Your credit score really does matter! Many Insurance companies take your credit score into consideration when deciding to increase or renew your auto insurance coverage.

(8) "Even without comprehensive coverage, am I still covered for theft, windstorms, and hail and deer accidents?" Many drivers believe that if they only purchase collision insurance, which covers accidents involving objects, that they will also be covered for incidents that involve vandalism, hail, animal accidents and fires. That simply is not true. You need to purchase both collision and comprehensive coverage in order to fully protect your vehicle from all of these situations.

(9) "Can my personal auto insurance cover both my personal and business use of my car?"

If you occasionally use your personal car for business purposes such as transporting clients, going to and from meetings or hauling business equipment, then you will more than likely need to extend your personal car insurance to cover your business use as well. Plus, if your employees use their car while working for you, you will want to also obtain a separate non-owned car insurance policy.

(10) "I've never had nor been involved in a car accident, do I still need automobile insurance?" Yes!

Some drivers are lucky enough never to have been or to be involved in an accident. However, if by chance you do have an accident; your risk of losing everything is great. Car insurance is the best protection you can have in the event an automobile accident occurs. It's also a legal issue - you are required, by law, to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

Hitch Anything

Automobiles have always been a target for thieves as most vehicles are much easier to break into than houses and unattended vehicles parked in structures or side streets allow thieves to commit their crimes virtually undetected. Even if your SUV has an alarm system, don't rely on it to keep your vehicle safe. Here are some tips to follow to deter thieves from choosing your SUV to break into:

First, don't leave valuables in plain view inside the vehicle. While some car thieves intend on stealing the actual car, many are just after the valuable objects left inside—laptops, electronics, purses, etc. These "smash and grab" thefts, where the thief quickly smashes a window, reaches in, grabs the goods, and runs off, can happen in less than 15 seconds. Unlike cars, in which valuables can be locked in a trunk, the nature of SUVs with their windows all around, make them greater targets for this type of theft. Because you can't always carry your valuables with you, we suggest installing a cargo cover in the back which acts as a shield to protect valuables from the sun as well as keeping them out of view from anyone passing by the SUV. Isuzu sells these types of retractable covers for the Ascender 5-Passenger for under $136.00, and they're available for most other SUV models as well.

Second, don't buy an SUV with third-row seats. These optional third-row seats are relatively cheap if bought as factory option (the Chevrolet Tahoe LS's seat is only $460.00), but the retail price for replacing the seat can be upwards of more than $1, 000.00. Because of their high demand and expense, as well as their lack of a traceable serial number, third-row seats have become a hot commodity for car thieves. Officer David Stennick of the Long Beach, California police department said, "[Third-row seat theft] has become a real problem over the last several months. Thieves aren't just stealing third-row seats stored in private garages. They're breaking into parked SUVs and grabbing third-row seats in the middle of the day." SUVs like the Toyota Highlander and Chevy Tahoe are primary targets. Until the automotive industry reacts to the surge in theft and begins to manufacture seats that are serialized in multiple places, we suggest avoiding those types of SUVs. It certainly decreases your chances of being a victim.

Third, don't keep key identity documents in your car. Be careful to remove mail, auto club information, credit card information, insurance and registration information from your SUV each time you get out. Keep your registration and insurance card in your wallet – after all, it doesn't need to be there if you aren't anyway. With identity theft continuing to be a growing problem, you can limit the access a thief has to information about you and your life by being prepared just in case your SUV is broken into. While we know it's a hassle to replace a broken window or stolen goods from your SUV, problems associated with identity theft can last a lifetime.

Fourth, pay attention to where you park. Always choose lots with security cameras, security guards, or high traffic volume over lots that are dark or nearly vacant. Thieves don't want to take chances they don't have to take, so if you're parked in a well-lit, busy place and have nothing of value that can be instantly seen inside the vehicle, chances are, they'll move on to a different SUV.

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Beyond The Road

Honda Accord is the first Japanese brand manufactured in the United States backyard back in 1982. It has evolved from a compact hatchback into mid-sized sedan. This evolution is necessary to fit the American taste for bigger cars, making the Accord pushed at the upper limit of mid-size cars and just below full-sized cars by EPA standards. Honda managed to do this while having in mind fuel efficiency to consider. Honda’s charm worked well on the Americans, being the best selling Japanese car in the U.S. from 1982 to 1997.

Honda conceptualized Accord with a V6 engine that looks sporty with a long hood. The name Accord is said to be derived from Honda’s desire for “accord” and harmony between people, society and their automobile. It has been a model in meeting emission standards and fuel efficiency since 1970, and takes pride of being the only car that passed United States government standards without using a catalytic converter. Although a bigger car, the Honda Accord also used the same transverse engine layout of the smaller Honda Civic which is also operating on a front-wheel drive.

The Accord is produced in Marysville, Ohio Automotive Plant since 1982 and in Guangzhou, China joint venture since 1999.

Motor Trend named the Accord as the “Best of the Best” and “The Benchmark” in its October 2007 reviews. It was compared head to head with the Toyota Camry, and Honda Accord emerged in the end and in all aspects to be showing more. Autoweek, known for its reputation in keeping an eye to the minutest detail of every model that comes out found that “there is little to criticize in the all-new Honda Accord.” Autoweek alluded to the model as a masterpiece of “tiny carpet installer” who managed to put every piece of the material stretched around every bend and tightly fitted just right into each corner.

USA Today automotive section editor James R. Healey could no nothing except to praise the Accord. He was impressed by its larger interior, refined powertrain and what has been accorded to every detail placed in it. He called the people behind Honda as a group belonging to the gifted and the talented people.

Honda’s marketing tag “Beyond the Road” is fueling the Accord to a higher plane of customer satisfaction. Asserting that car owners are “more than just drivers” and that Honda Accord is “engineered more than a car and built for the road and everything beyond it.” It full-size sedan lets you feel a commanding presence with its inspiring lines and details, plus a wide variety of colors to choose from. The doors are extra-wide for easy boarding and alighting.

Powered by a 268 horsepower V6 engine, there is a choice between 5-speed automatic transmission and 5-speed manual. Prices start at $20,360 for the starter LX stock. There are also varied stock like the LX Premium, EX, EX-L, EX V6 and EX-L V6, the most expensive stock at $28,060.

Make your Accord’s presence felt “Beyond the Road” with Honda Accord Keychains, a collection of masterfully crafted key ornaments. There are flawless steel designs called the ‘Teardrop’ and ‘Valet’ keychains, engraved with the Honda logo and the text ‘Accord’.

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