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Common Insurance Myths Debunked

Little & Sons Insurance Group / Blog  / Common Insurance Myths Debunked

Common Insurance Myths Debunked

10 Myths in InsuranceUnless you have experience in the insurance industry, chances are, you have believed many of the most common myths surrounding insurance. Many of these myths have been instilled in our minds and it is becoming a challenge to dispel them. We want you to be informed of the truth, which is why we have gathered a list of the most common insurance myths and debunked them:

  • While you may have been convinced that insuring your home for its real estate market value is a smart move, you are actually supposed to purchase homeowners insurance coverage based on the replacement cost of the home. These numbers are typically not equal, therefore, you must evaluate how much it would actually cost to repair or rebuild your home.
  • We have all heard the myth that red cars are more expensive to insure. In reality, your auto insurance is dependent on a variety of factors, and color is not one of them.
  • Many auto insurance holders worry that their carrier can cancel their policy if serious damage was caused in an accident that was their fault. However, nearly every state has laws prohibiting this act.
  • A myth that many people need to learn the truth about is that out-of-state speeding tickets cannot follow you home. This could not be farther from the truth. Those tickets will not only follow you back to California, but they will also influence your auto insurance premium as well.
  • While you may think that your older car needs less insurance coverage than a new vehicle, thieves actually prefer older cars as opposed to newer vehicles. Therefore, you still need comprehensive coverage.

Contact Little & Sons Insurance Group in Calimesa for all of your California insurance needs. We will dispel any common misconceptions about insurance for you and provide you with the right policies that maximize protection.

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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After 23 Years of serving our clients at our location in Beaumont, CA it is with a heavy heart that we are consolidating our operations to our Banning Office. We will be available all the same hours and will work to make this transition as smooth as possible. Thank you for your continued business and we look forward continuing to serve your insurance needs. Our contact information will stay the same so feel free to contact us.

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