If you own a car you then you know that auto insurance is a necessary requirement. Often looked at as just an extra cost to owning a car, insurance is actually very helpful when you need it and at those times you’ll be happy you have it.

Since car insurance is seen by so many as an add-on to owning a car, there may myths about insurance that people believe just because they haven’t taken the time to find out the truth. Just for your information, here are some of those myths.

Your insurance won’t cover you if you are found to be at fault in an accident. Well this is not always the case. It is totally dependent on what type of coverage you have. If you have only liability coverage then your insurance will only cover damages to another person’s property if it’s your fault. On the other hand, if you have collision coverage you are covered regardless of who’s at fault. Of course, collision coverage is a little more expensive.

I think we’ve all heard that sporty red cars are more prone to get tickets and are therefore more expensive to ensure. The truth is the color of your car won’t cause increase your chances of getting a ticket. This myth may have come about in part because some expensive sports cars come in bright colors and cost more to insure because they are expensive, not because of the color.

Some people are under the impression that their car insurance will cover things that get stolen out of their car. Unfortunately, this is not true. Although Your insurance will cover many things, it does not cover any of your possessions that you leave in the car. The good news is that if you have homeowners or renter’s insurance, there’s a good chance that it will cover your lost items if your car is broken into.

If you have ever wondered about things like this, see an agent and get the right answers.