Did you know...

Car insurance does not cover things stolen from the car- it's the home or tenants insurance that does?

According to the Insurance Information Institute Standard renters insurance protects your personal belongings against damage from fire, smoke, lightning, vandalism, theft, explosion, windstorm, water and other disasters listed in the policy. This would personal belongings stolen from your home or vehicle.

The color of the car does not indicate cost?

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 car make, model, body type, engine size and the age of the vehicle, as well as the car’s sticker price, the cost to repair it, its overall safety record and the likelihood of theft. Insurers also take into account the age, driving record and sometimes the credit history of the driver. Check out which factors DO determine the cost of your car insurance in the Insurance Information Institute's article here.

Your annual miles impact the cost of your auto insurance?

From the aforementioned article, we can see that your annual mileage does in fact affect your insurance rates. The more miles you drive, the more chance for accidents so you'll pay more if you drive your car for work, or use it to commute long distances. If you drive only occasionally—what some companies call “pleasure use"—you'll pay less.