We all know that getting a proper auto insurance policy is one of the best and most effective ways to protect yourself on the road. However, because there are so many misconceptions regarding auto insurance, selecting the right insurance policy can be difficult. Gill Insurance Agency, serving clients in Plainfield, IN, has compiled a list of myths to dispel in order to assist you in selecting an insurance policy.

Auto Insurance Myths

Insurance for red cars is more expensive.

The truth is that there is no correlation between the color of a vehicle and the cost of auto insurance. Insurance companies are unconcerned about the color of your vehicle, and there are other criteria that influence the cost of auto insurance, such as the age of your vehicle, its condition, your credit score, location, and others.

The more expensive the vehicle, the higher the insurance premium.

The purchase price of your vehicle has no bearing on the cost of your insurance. Many mid-priced cars cost more to insure than expensive vehicles. 

Smaller cars are less expensive to insure.

There is also no correlation between car size and car insurance premiums. 

Getting a traffic ticket automatically raises your auto insurance rates.

If your traffic offense is small and has only occurred once, your insurance rate will stay the same.

Reach Out To Us Today

Are you looking for an auto insurance policy in Plainfield, IN or any other surrounding area, feel free to contact Gill Insurance Agency. We specialize in multiple types of insurance, including standard auto insurance. Give us a call if you want to know more about insurance options – we are here to help!

Winter weather can be unpredictable and dangerous, especially when you’re on the roads. It’s important to be prepared and know how to navigate the Plainfield, IN icy roads safely.

Here are some tips to help keep you safe while driving this winter season:

Prepare Your Vehicle

Before heading out, check your vehicle’s essential systems, including battery power, tires, brakes, wiper blades, and antifreeze levels. Be sure that all of your lights are functioning properly and ensure that your windshield washer fluid is topped off with a solution to resist freezing temperatures. Replace worn wipers or tires before winter begins.

Know Your Route

Planning can save you time and headaches when navigating icy roads during winter. Familiarize yourself with routes with fewer hills and sharp curves to avoid getting stuck or sliding on ice. Check traffic reports to make sure there are no accidents or hazardous conditions on your intended route. Take alternate routes with better traction, such as highways, instead of back roads when possible.

If you travel on many back roads, consider adding roadside assistance to your car insurance policy if you get stuck. Contact a Gill Insurance Agency representative to learn more about add-on options for your coverage.

Drive Safely

Be mindful of speed limits, particularly on bridges and overpasses that freeze quickly due to their elevated surfaces being exposed to cold air from above and below. Take extra caution near intersections as they have more black ice than other areas of the roadways. Put extra distance between you and other drivers if you unexpectedly lose control of your vehicle because of slippery conditions.

Get Auto Insurance Today

Navigating icy roads is never easy, but these tips will help you stay safe while driving in Plainfield, IN this winter season! If you’re looking for reliable auto insurance coverage this winter season, contact Gill Insurance Agency today! We offer customized policies tailored to fit your needs–both on the road and off!

When you buy a new car, one of the first things you need to do is purchase car insurance. This can be daunting, especially if you are new to it. There are many things to consider when buying car insurance, and sometimes, new car owners make mistakes that can be quite costly. Gill Insurance Agency in Plainfield, IN can help you navigate this important coverage.

Here are four common mistakes new car owners make when buying insurance and how to avoid them:

Lying on the Auto Insurance Application

This mistake is quite common, especially with new car owners. Many people think that by providing false information, they will be able to get lower rates. However, this is not the case. Insurance companies use sophisticated software to verify the information that applicants provide. If they find out that you have lied on your application, they will either cancel your policy or refuse to pay out claims.

Not Doing Your Research

Many people simply choose the first insurance company they come across without doing any research on them. This is a huge mistake as different companies offer different rates and coverage. It’s essential to compare different companies before settling on one.

Not Getting Enough Coverage

Another common mistake is not getting enough coverage. This can be a costly mistake, especially if you get into an accident and don’t have enough coverage to cover the damages. That’s because the insurance company will only pay up to the limits of your policy, and the rest of the money will come from your pocket.

Not Understanding Your Insurance Needs

Do you understand your insurance needs? If not, you’re not alone. A recent study showed that nearly half of new car owners don’t know what type of insurance they need. Do your research before buying a policy, so you don’t end up overpaying or underinsured.

Avoid the Above Mistakes and Purchase Your Car insurance Today!

Are you a new car owner? Ensure you avoid these common mistakes when buying insurance for your vehicle. If you need help, our team of experts at Gill Insurance Agency in Plainfield, IN is always here to help. Give us a call today or visit our website for more information.