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Northwestern Insurance Group, LLC

4800 SW Meadows Rd., Ste. 300
Lake Oswego, OR 97035

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Top Auto Insurance Myths and the Truths Behind Them

There are common misconceptions about auto insurance. At Northwestern Insurance Group LLC in Portland, OR, we are here to dispel common auto insurance myths. 

Auto Insurance Myths

Myth #1: Insurance Follows the Driver

Most auto policies are tied to the car, not the driver. This means if another legal driver has an accident in your car, your auto policy will cover it. 

However, if you are driving an uninsured vehicle, the policy for your car won’t cover you. 

Myth #2: Auto Insurers are All the Same

The truth is there are a lot of similarities between auto insurance companies, particularly when it comes to coverage. However, there are also key differences in premiums, deductibles, and customer service. These differences can make a big difference in your experience with your insurer.

Myth #3: Minimum Coverage is Enough 

You may think that the minimum coverage is enough. While the minimum will keep you legal, it may not provide complete protection. If you have an accident and the costs exceed your coverage limits, you’ll be liable for the difference. 

Myth #4: Full Coverage Includes Everything 

Full coverage is considered complete protection. However, there are a few things that aren’t covered. 

Full coverage includes comprehensive and collision coverage. Collision coverage covers damage to your vehicle if an accident is your fault.  

Comprehensive coverage includes damage that doesn’t occur during an accident. This includes vandalism, theft, and storm damage. 

Full coverage may not cover other drivers or accidents that occur outside the U.S. It’s important to talk to your insurer to understand exactly what is and what is not covered. 

Reach Out To Us

If you need auto insurance in the Portland, OR metroplex, contact us at Northwestern Insurance Group LLC. Our friendly auto insurance agents will help you choose the right policy for your needs.