Preheader

 

Committed to Serving You While Keeping Our "Social Distance" - COVID-19 Message

Our nation has been trying its best to stop COVID -19 from spreading in our communities.  Not knowing what will happen in the next few weeks and months leaves us all with questions.   In order to keep all of us as safe and healthy as possible, we are going to maintain contact with you via phone, email and regular mail service as needed.  We are not scheduling in-office or face-to-face meetings.

At this time, Dan, Wanda and Gwen are in the office Monday through Friday 9-5pm daily.  We are responding to all calls and emails in a timely manner.  Just know, we can also work remotely and will be able to respond to any needs in the event of a full office closure.  Should you need to make a payment or a policy change, please reach out to us directly at 651-264-1230.  The Contact Us tab at the top of the website has all of our emails as well. 

If it is after hours and you have a claim to report, calling your carrier directly would be a faster response.  This is a great time to make sure you have your insurance carrier's MOBILE app as well.  Here is the carrier link page.  https://www.lancetteagency.com/links.aspx

Home Facebook Twitter LinkedIn

 
  • Home
  • Get A Quote
  • Customer Service
  • Make A Payment
  • Blog
  • Resources
    • Calculators
    • Frequently Asked Questions
    • Important Files
    • Important Links
    • Insurance Glossary
    • Refer A Friend
    • Secure File Area
  • About Us
    • About Lancette Agency, LLC
    • Customer Testimonials
    • Employee Directory
    • Location Map
    • Privacy Policy
  • Contact Us
    • Contact Us
    • Join Our Newsletter
Home > Blog > Insurance Myths: Does Car Color Affect Your Rates?
WEDNESDAY, NOVEMBER 20, 2019

Insurance Myths: Does Car Color Affect Your Rates?

Auto InsuranceNo, car color does not affect your insurance rates. In fact, your insurer probably doesn't even know what color your car is.

This is, to be blunt, one of the sillier myths surrounding car insurance, but — to be fair — you can't blame people for making the assumption that car color and insurance rates are correlated. Auto insurance companies decide on rates and car values based on formulas that they tend to keep as trade secrets. Some of the factors that go into these decisions are well-known — such as a car's MSRP, age and safety features — while others are a mystery to the average driver.

The myth that car color affects your insurance rates does seem to owe to some actual truth regarding car color, though. Here, of course, we find another myth: That red cars are the dangerous ones. Red cars are supposedly more likely to be stolen, and more likely to be ticketed for speeding. In truth, red cars may be less likely to be stolen because of their unusual color. Thieves are looking for something that won't attract attention, and a flashy red, purple or yellow does exactly the opposite.

When it comes to traffic accidents, black cars are the only ones that really show a major spike in risk — particularly at night — given their lower visibility. If you want to reduce your likelihood of being in an accident, white colored vehicles tend to be the safest to drive. Again, this won't get you a discount on your insurance, but it may help you to stay out of a collision.

By and large the statistics show that car color is far less of a factor than make and model, driving record, and where you live. To put it another way: If your car insurance provider doesn't adjust your rates based on the color of your car, then you can go ahead and pick whatever color you like.
 
Posted 10:20 AM

Tags: auto insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013
  • 2012

  • insurance(76)
  • minneapolis(42)
  • lancette agency(41)
  • minnesota(38)
  • coverage(33)
  • st paul(25)
  • auto insurance(21)
  • home insurance(21)
  • car insurance(16)
  • protection(12)
  • oakdale(11)
  • mn(10)
  • minneapolis mn insurance(10)
  • safety(9)
  • liability(7)
  • business insurance(7)
  • motorcycle insurance(6)
  • homeowners insurance(5)
  • auto(5)
  • home(5)
  • rv insurance(4)
  • policy(4)
  • st paul car insurance(4)
  • renters insurance(4)
  • flood insurance(4)
  • boat insurance(4)
  • damage(4)
  • health insurance(4)
  • rates(4)
  • st paul auto insurance(4)
  • minneapolis auto insurance(4)
  • premiums(4)
  • car insurance st paul(3)
  • motorcycle(3)
  • car(3)
  • policies(3)
  • fire(3)
  • auto insurance st paul(3)
  • minneapolis motorcycle insurance(3)
  • maintenance(3)
  • claims(3)
  • safety tips(3)
  • life insurance(3)
  • summer vacation(3)
  • aaa(3)
  • minneapolis insurance(3)
  • tips(3)
  • commercial auto insurance(2)
  • minneapolis business insurance(2)
  • approval(2)

View Mobile Version
  • Auto Owners Insurance
  • AAA
  • Selective Insurance
  • West Bend Insurance
  • Progressive Insurance
  • Dairyland Insurance
Local: (651) 264-1230|Fax: (651) 264-1233 1322 Helmo Ave N|St Paul, MN 55128
Home|Our Products|Customer Service|Payment Options|Report a Claim
About Us|Our Carriers|Contact Us
Facebook Twitter LinkedIn
Powered By Insurance Website Builder