Category Archives: Auto Insurance

A Winter Nuisance That Can Become a Real Danger

Windshield Safety

It’s something you never think about until you need it or it fails to work. You’re driving down the road, drizzling rain or sleet rushing toward your windshield, and you pass a truck that sprays a mix of moisture and mud all over your field of vision. You push the lever for your windshield wiper fluid to come out and it doesn’t. This poses a real safety hazard, and you must pull over immediately, if possible, to clean it manually. What can cause your fluid to fail? And what can you do about it?

First things first. You should check under the hood to the container where the wiper fluid is stored. Check first to make sure you haven’t run out of it. If you have, it’s an easy fix. Most all gas stations carry wiper fluid, and you can refill it yourself without having to go to a mechanic. If the fluid container is full, or there’s an adequate amount, check for other causes.

When Windshield Wiper Fluid Freezes

In the winter, the cause of the fluid not coming out is usually because it’s frozen. Many washer fluids will freeze at any temperature below freezing, which is 32 degrees. If you are in a steady period of snow storms and below freezing temperatures, you may find this problem particularly troublesome. If you live in an area like New England, where these weather conditions can last for months, it’s in your best interest to get a washer fluid antifreeze. These are available in a variety of formulas with varying freezing points. The reason the washer fluid antifreeze works is because it contains ethanol, methanol or other alcohol mixed with water.

A Word about Washer Fluid

Note: If you’ve had washer fluid with methanol sitting in your garage or under a hot car hood, there may be a chance that some of the alcohol will evaporate, possibly making the freezing temperature higher than advertised on the bottle. You’d need to empty out what’s left of the old fluid and put some fresh fluid in there to be sure you’re ready for winter.

How to Unblock the Washer Jets

If it doesn’t appear that the fluid is frozen, check the nozzles where the fluid comes out. Sometimes something as simple as a safety pin can work to dislodge any ice or debris that may be preventing the fluid from squirting out.  If the ice is wedged deeply in there, try a hair dryer if you can get close enough to an outlet. Sometimes the jet nozzles just need a little thawing out!

If you know that your washer fluid has frozen, you could be at risk for the container or the pump that pushes the fluid out to be cracked. In the event that this happens, you’ll need to see a mechanic to replace your washer fluid system or whatever the damaged part is.

When the Washer Fluid System Doesn’t Work

You may need a mechanic if you’re not comfortable fixing this yourself. But if it isn’t the washer fluid, there could be a blockage in the line underneath the hood. Or there could be some kind of damage to the pump.

Whatever the case may be, make sure you have a fully working windshield washer system. It’s an important safety feature all year long, but especially during a season when there can so easily be precipitation and other obstructions to your vision.

Good luck and safe travels!

For information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

The 12 Most Popular Auto Insurance Questions Answered

Get the Facts about Auto Insurance

Auto insurance is necessary, no matter what state you live in. To find out what is required in your particular state, you need to visit their transportation website to learn exact coverages. In Massachusetts, you can find out what is required here.

Below we’ve compiled the top 12 most popular questions people have about auto insurance, so you can make informed choices about your coverage and more.

  1. What types of coverages should I have?

Most auto insurance policies offer coverages such as Comprehensive, Liability, Property Damage, and Collision Coverage.

  1. What is a deductible?

The deductible is the amount of money you pay after you have an accident before your insurance company pays the remaining charges.

  1. How can I keep my car insurance costs low?

You can’t always control everything, but there are certain things you can check for that may help to lower your costs. First of all, make sure you have a car with updated safety features. Also, make sure your insurance company knows if you work from home or have a short commute to work. The less time you spend in the car, the lower your risks.

  1. How many people can I put on my car insurance policy?

You can put as many as you’d like, but they must be members of your household, all living at the same address.

  1. What if I want to change my coverage? How can I do that?

You can always change your coverage or insurance carrier at any time. However, it’s best to wait until the end of your policy to avoid a cancellation fee.

  1. Are there any situations in which I could be denied coverage?

Yes. If your driving history includes a major accident, a DUI, or if you have bad credit—all of these factors could cause an insurance company to deny you coverage.

  1. Does my gender affect my insurance premium rates?

Yes it does. Sorry, guys, but studies have shown that males generally get into more accidents. So males pay bigger premiums.

  1. If I’m driving someone else’s car and have an accident, who pays?

The insurance of the person who owns the car would pay. Then you would have to pay any remaining costs.

  1. Will auto insurance replace my car if it gets stolen?

A stolen car can be replaced only if you have comprehensive coverage.

  1. If I forget to pay my premium, will I lose my coverage?

Not necessarily. If you forget once, they’ll probably send you a warning. If you frequently don’t pay, your coverage will likely be canceled.

  1. If my garage burns down with my car in it, will my car insurance pay for it?

No. Your Homeowners Policy would cover that type of event.

  1. If I don’t have auto insurance, and I’m in an accident, what will happen?

If you don’t have insurance, you could be sued, which could result in the loss of your entire life savings. You could also serve jail time. So it’s better to be insured than not!

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

New Year, New Insurance

How to Get Lower Rates on Your Insurance

As the New Year approaches, one of your resolutions may be to find more ways to save money. You can do this by rethinking your insurance policies. It’s always a good idea to do an annual insurance review, because you might discover that you could be eligible for discounts and other savings that you aren’t currently taking advantage of!

For example, if you have an older car, you may have had the same car insurance for years. But did you know that your rates could be lowered based on any changes that have happened recently? For instance, if you changed jobs and don’t commute as far, that can affect how much you pay. And most likely, it will reduce the cost.

More Ways to Save on Homeowners Insurance

Also, you might be eligible for discounts to your Homeowners Insurance if you recently installed a security system or quit smoking. If you started bundling all of your insurance policies with one company, they’ll most likely give you discounts for that, too.

How to Do an Annual Insurance Review

Take time before the New Year to collect all of your insurance policies, whether it’s home, auto, renter’s, motorcycle, etc. Usually you can find the basic information on the summary page of your policy. Here’s what to look for: the amount of coverage, your premium costs and your deductible. Keep in mind, if you want to lower your premiums, you’ll be raising your deductible. First, you should make sure you can afford the deductible amount if you have to make a claim.

Could You Rebuild Your Home If You Had To?

This is an important question when you’re reevaluating your home insurance. The reality is, construction costs could be much higher than when you first took out your insurance policy. Also, remember that insurance companies will tell you that if something major needs to be replaced, it will be replaced with something of “like kind and quality.” Your kitchen may still look like the 1980s. If you needed to upgrade your kitchen with more contemporary cabinetry and appliances, you’ll need to be able to cover that cost.

Did You Purchase Valuable Items?

In the past year, you may have purchased jewelry or other very valuable items that you may not have extra coverage for. Do an inventory to make sure you haven’t forgotten that priceless painting! If you discover that you did buy something like that, you’ll need to increase your coverage for “personal possessions.”

Is Your Home More Likely to Flood?

When you purchased your house, it may not have been in a flood zone at the time. But in recent

years, have you had more damaging storms and repeated flooding in your basement? It may be time to consider getting flood insurance, even if it wasn’t required.

What Umbrella Insurance Can Do for You

Last but not least, consider umbrella insurance. It’s a low-cost way to get extra protection for things like your retirement fund, investments and any future income, which may all be lost as the result of a lawsuit. Many people don’t think about liability coverage until it’s too late. So umbrella insurance will help protect you above and beyond your standard home and auto insurance coverage.

For all your home, auto and other insurance needs, please contact Zawada Insurance Agency. We work to give you comprehensive coverage at a competitive price.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Best Ways to Save on Car Insurance

You’re getting ready to purchase a new car. There’s excitement in the air as you scan the showroom with all the brand new models. . . While haggling with the dealership may be stressful, you don’t want any surprises when you purchase insurance for your new car. Some new car owners are shocked at the hike in their insurance rates because of the car they just purchased. So make sure you’re well-informed before you buy.

Try to keep your premium low.

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Don’t assume an older car will mean cheaper insurance. 

Some new car owners think that if they get an older model, or a used car, their insurance rates will be lower than a newer model. This isn’t always the case. Older cars are more attractive to car thieves because they can easily sell the parts, so there is still a risk, as with everything. If you get a manual shift, your car is less likely to be stolen because more people know how to drive an automatic transmission.

Check your credit score.

Before you go car shopping, hopefully, you will have checked your credit. This gives you a lot of leverage, not only with the dealer, but with your insurance carrier as well. Those who have good credit are perceived as being more responsible and less likely to get into accidents. Whether or not this is true remains to be seen, but it’s the assumption that is made.

Buy when your driving history is good.

If you’ve recently had a lot of accidents, or even traffic tickets, these will affect your insurance rates. On the upside, not all mishaps are treated equally in the eyes of insurance carriers. Sometimes, timing is everything. For example, if you were found at fault in an accident that happened three to five years ago, it will less likely be a determining factor in how much you pay.

Get as many safety features included in your car as possible.

Insurance companies look favorably on cars that have extra security features, such as a back-up camera to help you see better when you’re pulling out of a parking space. Other features may include driver- and passenger-side airbags, daytime running lights, automatic seat belts, anti-lock brakes, and extra signal lights on your side mirrors. Anti-lock brakes are especially important in places like New England, to help prevent skidding in the snow and ice. All of these “extra” safety features can help to reduce accidents.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Home and Auto Insurance Surprises

When shopping for insurance, it can get pretty confusing. Some policies have so much fine print you may not be sure what you’re getting. Here are some of the most common truths that surprise people when they get insurance. Make sure you have all of the facts, so you won’t be surprised!

You’re not automatically protected from Mother Nature.

Many Homeowner’s Insurance policies don’t automatically cover things like flood, earthquake and other natural disasters. So make sure you’re covered for these things.

You may not get top dollar for your home in the event of a disaster.

Your Homeowner’s Insurance will be based on what it would cost to rebuild your home, NOT on the real estate market value of your house. These costs vary, so check with your insurance agent.

Auto Insurance doesn’t cover tractors.

Homeowner’s Insurance covers things like tractors, garden equipment and storage sheds. In fact, it covers things that aren’t necessarily attached to your home—a detached garage, patio, fence, etc.

Cars with automatic transmission are more likely to be stolen.

More Americans don’t know how to drive a manual, or stick, shift. That’s why automatic cars are more appealing to would-be thieves.

If you buy a home out in the country, you could be paying more for insurance.

Insurance companies like to know that your house is in a safe location, not far from a fire department or neighbors who can lend a hand if something goes wrong. That’s why, if you live in a remote area, your costs tend to go up.

Older homes equal higher insurance rates.

Insurance is all about risks—assessing whether your risks are high or low. If you choose to buy an older home, it’s assumed the plumbing may be old, the roof may be about to give out. But if you want to buy an older home, there are things you can do to lower your costs. Make sure the electrical is updated, as well as the pipes, to reduce the chances of accidents. And if necessary, install a new roof.

Comprehensive Auto Insurance doesn’t cover everything.

Comprehensive Auto Insurance pays for events besides collisions. These include fire, theft, vandalism, weather and accidents involving animals. It does NOT cover personal property. For instance, if your laptop is crushed in an accident, you’ll need Homeowner’s Insurance to cover it.

Auto Insurance carriers factor in many things when determining rates.

It isn’t just about the age of the driver and driving history. When you purchase a new car, insurance  companies look at the age of the car, make, model, engine size and whether or not there are any special safety features in the car. They also factor in the amount you drive per day.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on every kind of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Getting Spiders Out of Your Car

Prevent Auto Accidents Now!

Warmer weather means different types of hazards on the road. Some can be quite unexpected—and the results can be disastrous. Maybe it’s happened to you. You’re driving down the road and all of a sudden, a spider drops on your head! This may cause you to swerve into oncoming traffic, a ditch, or something that can result in a serious accident.

The Facts about Accidents Caused by Spiders and Insects

It happens more often than you think. According to CNN, in Oregon, a driver flipped over when a spider came down from the rearview mirror. In North Dakota, some kind of insect flew into the window of a truck, and as the driver tried to get it out, the truck overturned. It was carrying parts for rocket engines! Luckily, both drivers survived these accidents.

In fact, thousands of accidents every year are caused by spiders and insects, resulting in approximately $44 million in damages to vehicles.

Do You Have Spiders Living in Your Car?

It’s not uncommon for you to see a web attached to one or both of your side view mirrors, especially if you live in an area with a lot of trees, and you park your car outside in a driveway and not in a garage. If you’ve seen webs outside—and inside—your car, it could mean that there’s a spider infestation in your car.

Why should this concern you? If you’re one of those people who can brush off a spider while driving and go about your merry way, that’s great. But did you know that in the western world, approximately 73 percent of people have some fear of spiders? In the United States, more than 30.5 percent of people have an intense fear of them, which is known as arachnophobia. If you’re one of these people, encountering a spider while driving could mean a serious accident like the ones mentioned above.

Keeping Spiders Out of Your Car

Prevention is better than having to evict an unwanted hitchhiker. Remember, spiders like enclosed places, preferably with some dirt and clutter. So keep your car clean! Vacuum it regularly and don’t let trash pile up inside. Spiders tend to hide behind the side view mirror because there’s a little enclosure there. Spraying (see some treatments below) around that area is a good idea. They also gravitate toward the space where the hood of the car meets the windshield, where leaves and twigs gather. So clean that area out. Once spiders inhabit your car, they can also get into the vents, and some can even cause trouble in your engine. Some auto makers have taken steps to prevent this, but it’s better to be proactive so you won’t have unnecessary car repair costs.

Getting Rid of Spiders in Your Car

If you know you already have a problem, you’ll need to take action. It may interest you to know that spiders do not like the smell of citrus, particularly lemon. If you can rub some lemon rind around your side view mirrors, this is an excellent deterrent. However, make sure none of the lemon juice runs down the side of your car, because you don’t want to damage the paint work. Spiders also do not like eucalyptus oil. It’s been said that they don’t like peppermint oil, but some people have tried that and still had webs on their car the next day, while their car smelled like peppermint. So we’ll leave that one up to you.

You could also use sprays that contain poison. But you may want to try some of the natural alternatives first, so you won’t be inhaling the poison next time you go for a drive.

Freak Accidents

A spider frightening a driver would be considered the cause of a freak accident. It falls into the category of “freak accident” because it’s something unforeseen. It’s similar to a health condition, like a seizure or heart attack, happening while you’re driving. It can’t always be prevented. But now that we are in the spring and summer months, spider issues, among others, are one of those unexpected road hazards that can be prevented. So follow the above tips, and have safe travels!

And keep checking our blog for more interesting tips and ways to keep your insurance costs down!

Contact Zawada Insurance Agency for all of your auto, home, boat and other insurance needs.  Contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

What is Covered in a Basic Auto Insurance Policy?

Types of Coverage You Should Expect to Have

When you purchase your first car, or buy a new one, the next step is getting car insurance. If you plan on choosing a basic policy, there are certain coverages that policy should include. We’ll take a look at some of them here.

A Word about Deductibles

When you buy insurance, you will have a deductible that can range from $300 to $1,000. Remember, the higher your deductible, the lower your premium. You should, of course, choose a deductible that best fits your budget.

Comprehensive Coverage

This type of coverage will reimburse you for loss of your vehicle. The circumstances may include theft, fire, earthquake, falling objects, floods, even severe damage caused by animals or riots. Many people don’t know it, but this coverage also takes care of a cracked windshield, too.

Personal Injury Protection

This is the one most drivers are concerned with when they get into an accident. Personal Injury will cover your medical costs, including any lost wages while you are in the hospital after an accident. It will also cover the passengers in the policyholder’s car at the time of the accident. If necessary, it will even cover funeral costs.

Bodily Injury Liability

This is the next most important one if you are involved in an accident. Bodily Injury will pay the cost if you are responsible for injuring someone else in an accident. It’s always a good idea to get more of this type of coverage than what your state requires, in case the injured party decides to sue you. Legal costs can be devastating if you don’t have enough of this kind of coverage.


This coverage pays for the cost of repairing damage to your car after you collide with another car. If the accident is your fault, your insurance company will reimburse you for any repair costs after the deductible. If it is not your fault, your insurance company may try to get back the money they paid you from the other driver’s insurance company. If they are successful, you may also be reimbursed for the deductible. This deductible can range anywhere from $250 to $1,000.  Did you know that Collision coverage will also cover repair costs from damage caused by driving over potholes?

Uninsured and Underinsured Motorist Coverage

If someone hits you and they are not insured or don’t have enough insurance to cover a total loss, and the accident is their fault, this coverage will reimburse you for the cost. It also covers you if there is a hit-and-run driver OR if you get hit by a car as a pedestrian.

Property Damage Liability

This will cover any damage you cause to another car or structure, including a telephone pole, fence, house, etc. It will also cover you if someone is driving your car with your permission.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

Auto Insurance Worcester MA,

All About Snow

Insurance Information for Winter Weather

After the big snow storm in March, it’s obvious winter isn’t done with the Northeast. So we dedicate this blog to all the snow-related insurance issues you may face.

Auto Insurance

The best thing you can do for yourself when snow is still in the forecast is to make sure you get comprehensive coverage. Any number of unexpected things can happen in winter, and comprehensive will cover you for anything you may not have thought about. For example, if you’re just warming your car up in the driveway and someone steals it, this coverage will take care of it. Or a snow-covered tree branch falls on your car and cracks the windshield. You’ll be glad you got comprehensive coverage.

On the road, hazardous conditions are everywhere. Unfortunately, auto insurance can be unforgiving, even when it comes to an accident caused by winter weather. If you’ve never had an accident before, and a snow storm is responsible for your first accident, you could still face increased insurance rates. For example, if you slide on an icy, snow-covered road and land in a ditch, and it’s a no-fault accident, your insurance rate could go up 10 to 40 percent, or may not increase at all. Unfortunately, you’d most likely lose any safe driver discount if you had one.

As we always say, it’s better to prevent accidents whenever possible. When inclement weather strikes, be sure to clear your entire windshield, so you’ll have good visibility. Be sure you get snow or all-weather tires with good treads to avoid slipping. Get new wiper blades if yours are old or starting to smear liquid across the windshield. Also have an emergency kit on hand in case of a breakdown.

If you do fall into a ditch or your car battery dies right on the side of the road during a storm, make sure you have roadside assistance in your coverage. This way you’ll be able to be towed, or you’ll have a ride if you’re stuck in a blizzard.

Home Insurance

A standard homeowner’s insurance policy will take care of many issues. It includes something called “perils.” This usually applies to high winds, and the damage often caused during a storm. For instance, if your neighbor’s tree falls on your property in the middle of a snow storm, a standard policy will cover the cost to repair any damage to your home or other structures on your property, such as a detached garage. However, if a tree falls into your yard but doesn’t cause damage, you’ll have to pay for the cost of removing it yourself.  If it’s your tree that’s blown down into your neighbor’s yard, causing damage to the house, your neighbor will need to file a claim with his own insurance company.

The standard policy is also good for covering any damage due to severe snow storms. For example, if your roof caves in because of heavy snow and ice. But beware—there are several factors considered by the insurance company before they decide how much to pay. If your roof was old and /or you didn’t maintain it properly, you may be paid a lesser amount for the damage. It’s a good idea to take pictures, keep good records and maintain a healthy roof. Always clean your gutters and make sure your attic is insulated.

Snowmobile Insurance

Because of the high risk, you’ll need to get a lot of coverage for your snowmobile. Check the facts: Snowmobiles weigh more than 600 pounds and can reach speeds of 90 mph. Therefore, it’s hardly surprising that snowmobiling results in more than 200 deaths and nearly 14,000 accidents every year.

Is snowmobile insurance right for you? It depends on how often you plan to ride and where. When determining the costs of your snowmobile insurance, the insurance company will take into consideration the state you live in, because some states require insurance for snowmobiles, while others don’t. They’ll also consider the make and model of the snowmobile and whether or not it has extra safety features. These things, along with your age, your deductible and the types of coverage you’re requesting—all will be factored when determining what you’ll pay. Coverages include comprehensive, collision, property damage and bodily injury coverage. Packages can range from $300 to $400 per year.

Zawada Insurance Agency is your all-in-one resource for helping you find the right coverage for you and your family. We’re a family-owned and operated independent insurance agency, working to get you the most comprehensive coverage at a competitive price.

For more information about auto, life, homeowner and other insurance coverages, please contact Zawada Insurance Agency today.

Zawada Insurance Agency, Inc. located in Worcester, Massachusetts, serving central Massachusetts and beyond.

True or False: Insurance Quiz

Can you guess which of these 8 statements are true?

There are myths about insurance—auto, home, health—and they persist in spite of the facts. As we’ve said in other blogs, it’s important to get the facts straight before you purchase insurance of any kind. Here are eight true and false statements to see how well you understand insurance.

  1. Vehicles stored in your home or garage are covered under your Homeowner’s policy.

False. Cars and other vehicles should be covered by Auto Insurance. Garden tractors and other related items are part of what is covered by Homeowner’s Insurance.

  1. Commercial Liability Insurance provides coverage for your employees who are injured on the job.

False. Only Workers Compensation covers on-the-job injuries.

  1. Homeowner’s Insurance is based on the real estate market value of your house.

False. Your coverage is based on what it would cost to rebuild your home. This cost can vary, so an insurance agent can help you calculate these costs.

  1. The Affordable Care Act prohibits health insurance companies from basing rates on pre-existing conditions.

True. Health insurance companies used to raise the rates for people with a pre-existing condition. Not anymore. For those who have medical conditions such as high blood pressure, asthma and other chronic, pre-existing medical issues, this is a big relief. In addition, insurance companies can’t charge different amounts for men and women, either.

  1. It’s not necessary to have Other Structures coverage in your Homeowner’s policy.

False. But this is a trick question. It depends on you, the homeowner. Your Homeowner’s policy, at least 10% of it at least, is devoted to Other Structures. These include any buildings or structures not attached to your house—sheds, barns (not used for business), detached garages, driveways and fencing. You can always add to your Other Structures coverage if you need more. But it is important to keep it as part of your policy in the event of some unfortunate occurrence.

  1. If you get a speeding ticket in another state, it WILL follow you home.

True. Not only will it follow you, but it will also affect your insurance rates.

  1. Homeowner’s policies cover flood, earthquake and other natural disasters.

True. . .and False. They don’t automatically cover these things. Make sure you have it, or add it to your policy. The majority of policies exclude types of water damage.

  1. If your boat is hitched to the back of your vehicle on the highway and you back into someone, your Auto Insurance will cover it.

True. However, it will be limited to the coverage that your Auto Insurance provides, so it may not pay for property damage, injury or loss of life.

Keep checking our blog for more tips and advice about all types of insurance.

For all your home, auto, boat and other insurance needs, please contact Zawada Insurance Agency, Inc. We’re a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.

9 More Myths about Auto Insurance

Can you guess what they are?

When it comes to car insurance , there are many misconceptions. And we’ve already covered a few in this blog. Here are some more of the most common, and what the real facts are. Before you consult with an insurance agent, it’s a good idea to be well-informed so you can separate fact from fiction.

Myth #1:  Smaller cars are cheaper to insure.

Actually, vehicles like minivans and mid-size SUVs are cheapest to insure. Small cars are typically driven by younger drivers, who tend to be more costly to insure because of their driving records. So don’t choose a car based on an erroneous idea of how much it will cost to insure.

Myth #2:  Comprehensive Auto Insurance means that everything is covered.

Not quite. It only pays for specific problems—collisions with animals, vandalism, car theft, weather damage and other things.

Myth #3:  Red cars cost more to insure.

Even though we’ve mentioned that you might get stopped for speeding in a brighter color car because you’re more visible, the color of your car is not a factor affecting your insurance rates.

Myth #4:  If you cause a crash, your car insurance company will cancel your policy.

There are laws prohibiting companies from canceling policies mid-term. They have to wait until the policy period is up to send you a nonrenewal notice should they choose not to insure you anymore. They can, however, cancel your policy any time for not paying your premiums.

Myth #5: If someone else drives your car and gets into an accident, their insurance will take care of the cost.

No. Car insurance follows the vehicle, not the driver. Any accident in your car will affect YOUR insurance rates. So think twice about whom you let drive your car!

Myth #6: Car thieves prefer to steal new cars.  

Actually, older cars are more valuable to car thieves because they can sell more parts individually and make a bigger profit.

Myth #7: There is a 30-day grace period after your car insurance lapses.

No. After the date of cancellation on your insurance policy notice, there is no grace period. And a lapse in coverage can negatively impact your rate, depending on the length of time you go without being covered.

Myth #8: Personal auto insurance covers you when using your car for business purposes.

If you use your car regularly for work—hauling supplies or visiting clients—you may need separate Commercial Auto Insurance.

Myth #9: The state minimum auto coverage protects you from personal liability in an accident.

Getting the minimum that your state requires will satisfy the requirement, but it may not cover all of your costs for bodily injury if you’re at fault in an accident. You will be held responsible for any outstanding costs.

At Zawada Insurance Agency, we’ll help you shop around to find the best deals on car, home, and other types of insurance—including bundling, if it helps you to save more.

Please contact Zawada Insurance Agency for details.

Zawada Insurance Agency, Inc. is a family-owned and operated independent insurance agency, located in Worcester, Massachusetts, serving central Massachusetts and beyond.