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 $300,000 per accident for adequate coverage.
Mercury Insurance (NYSE:MCY) ha pubblicato una guida educativa che affronta sette comuni idee sbagliate sull'assicurazione auto per aiutare i consumatori a prendere decisioni consapevoli. Il direttore della gestione prodotti dell'azienda, Justin Yoshizawa, chiarisce diversi miti tra cui:
Le principali false credenze trattate riguardano: l'influenza del colore dell'auto sulle tariffe assicurative, la determinazione dei prezzi basata sull'età, l'impatto del punteggio di credito, l'estensione della copertura completa, i requisiti minimi di responsabilità civile, la copertura assicurativa per altri conducenti e l'uso del veicolo per scopi lavorativi. La guida sottolinea che fattori come marca, modello del veicolo, record di sicurezza e la storia del conducente sono quelli che realmente influenzano le tariffe, evidenziando inoltre che i conducenti più anziani possono beneficiare di sconti speciali.
L'azienda raccomanda una protezione minima di 100.000$ per danni fisici a persona e 300.000$ per incidente per una copertura adeguata.
Mercury Insurance (NYSE:MCY) ha publicado una guía educativa que aborda siete conceptos erróneos comunes sobre el seguro de automóvil para ayudar a los consumidores a tomar decisiones informadas. El director de gestión de productos de la compañía, Justin Yoshizawa, aclara varios mitos, entre ellos:
Los conceptos erróneos clave que se abordan incluyen: el efecto del color del coche en las tarifas del seguro, la fijación de precios basada en la edad, el impacto del puntaje crediticio, el alcance de la cobertura integral, los requisitos mínimos de responsabilidad, la cobertura de la póliza para otros conductores y el uso del vehículo para negocios. La guía enfatiza que factores como la marca, el modelo, el historial de seguridad del vehículo y el historial del conductor determinan realmente las tarifas, destacando que los conductores mayores pueden calificar para descuentos especiales.
La compañía recomienda una protección mínima de 100.000$ por lesiones corporales por persona y 300.000$ por accidente para una cobertura adecuada.
머큐리 보험 (NYSE:MCY)는 소비자가 현명한 결정을 내릴 수 있도록 자동차 보험에 관한 일곱 가지 흔한 오해를 다룬 교육용 가이드를 발표했습니다. 회사의 제품 관리 이사인 저스틴 요시자와는 여러 신화를 명확히 설명합니다:
주요 오해로는 자동차 색상이 보험료에 미치는 영향, 연령에 따른 가격 책정, 신용 점수 영향, 종합 보험 범위, 최소 책임 요건, 다른 운전자에 대한 보험 정책 적용, 업무용 차량 사용 등이 포함됩니다. 이 가이드는 차량 제조사, 모델, 안전 기록, 운전자 이력과 같은 요소가 실제로 보험료를 결정하며, 고령 운전자는 특별 할인을 받을 수 있음을 강조합니다.
회사는 적절한 보장을 위해 개인당 100,000달러 신체 상해 보호와 사고당 300,000달러를 최소 권장합니다.
Mercury Insurance (NYSE:MCY) a publié un guide éducatif traitant de sept idées reçues courantes sur l'assurance automobile afin d'aider les consommateurs à prendre des décisions éclairées. Le directeur de la gestion des produits de l'entreprise, Justin Yoshizawa, clarifie plusieurs mythes, notamment :
Les principales idées reçues abordées incluent : l'influence de la couleur de la voiture sur les tarifs d'assurance, la tarification basée sur l'âge, l'impact du score de crédit, la portée de la couverture tous risques, les exigences minimales en matière de responsabilité civile, la couverture de la police d'assurance pour d'autres conducteurs et l'utilisation professionnelle du véhicule. Le guide souligne que ce sont en réalité des facteurs tels que la marque, le modèle, le dossier de sécurité du véhicule et l'historique du conducteur qui déterminent les tarifs, tout en mettant en avant que les conducteurs plus âgés peuvent bénéficier de réductions spéciales.
L'entreprise recommande une protection minimale de 100 000 $ par personne pour les blessures corporelles et de 300 000 $ par accident pour une couverture adéquate.
Mercury Insurance (NYSE:MCY) hat einen Leitfaden veröffentlicht, der sieben häufige Missverständnisse über Kfz-Versicherungen behandelt, um Verbrauchern fundierte Entscheidungen zu ermöglichen. Der Produktmanagement-Direktor des Unternehmens, Justin Yoshizawa, klärt mehrere Mythen auf, darunter:
Wichtige angesprochene Missverständnisse sind: der Einfluss der Autofarbe auf die Versicherungsprämien, altersabhängige Preisgestaltung, Auswirkungen der Kreditwürdigkeit, Umfang der Vollkaskoversicherung, Mindestanforderungen an die Haftpflicht, Versicherungsschutz für andere Fahrer und Nutzung von Fahrzeugen für geschäftliche Zwecke. Der Leitfaden betont, dass Faktoren wie Fahrzeugmarke, Modell, Sicherheitsbilanz und Fahrervergangenheit tatsächlich die Prämien bestimmen, und hebt hervor, dass ältere Fahrer für spezielle Rabatte infrage kommen können.
Das Unternehmen empfiehlt einen Mindestschutz von 100.000$ für Personenschäden pro Person und 300.000$ pro Unfall für 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 Mercury Insurance. "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"— the color doesn't actually factor into your auto insurance costs. The price of your auto policy is based on many factors, 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, older drivers may be eligible for special discounts. 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 — and therefore, who are driving less — may also be eligible for a car insurance discount.
Myth #3: Your credit does not affect your insurance rates
Your credit-based insurance score — which is derived from your credit history — 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 — and, therefore good insurance scores — 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 your standard policy. 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 only the minimum amount of liability means you are likely to pay out of pocket for losses incurred after an accident — 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 — such as employees — using your vehicle, regularly check their driving records.
"Understanding what really affects your rates — and what doesn't — can save you money and help ensure you're properly protected," emphasized Yoshizawa.
To learn more about car insurance, visit Mercury's blog.
About Mercury Insurance
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 employees 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 www.MercuryInsurance.com or follow the company on Twitter or Facebook.
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SOURCE Mercury Insurance
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