Truthfully Insured·Pricing myths
Red cars cost more to insure than other colors.
False
Insurers do not factor paint color into your premium. Rates are based on make, model, year, engine, safety features, and your driving record.
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Three guides every driver should actually read.
Read your policy without the jargon
A line-by-line walkthrough of the declarations page, so you actually know what you bought.
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Coverage types, explained simply
Liability, collision, comprehensive, UM/UIM. What each piece does, when it kicks in, when it doesn't.
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State minimum requirements
Every US state's minimum liability limits, and why minimums almost never match real-world risk.
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What you've been told vs. what's actually true.
For informational and educational purposes only. Not insurance advice, an offer, or a solicitation. Truthfully Insured is not an insurance company, agent, or broker.
Truthfully Insured·Rating factors
Your credit history can influence your auto insurance premium in most states.
True
In the majority of US states, insurers use a credit-based insurance score as one rating factor. A handful of states restrict or prohibit the practice.
Truthfully Insured·Coverage basics
State minimum liability coverage is enough for most drivers.
False
State minimums are a legal floor, not a recommendation. A serious at-fault collision can easily exceed minimum limits, leaving you personally responsible for the difference.
Truthfully Insured·Terminology
Full coverage is a specific policy you can buy.
False
There is no single product called full coverage. The phrase is shorthand for combining liability with comprehensive and collision, and the exact mix varies by policy.
Truthfully Insured·Claims
Filing a comprehensive claim for a cracked windshield can affect your rate.
True
Some insurers consider comprehensive claim frequency at renewal. Several states require carriers to waive deductibles for glass repair, but rate treatment varies.
Truthfully Insured·Coverage gaps
Your personal auto policy covers you when driving for a rideshare service.
False
Standard personal policies typically exclude commercial use, including rideshare. A rideshare endorsement or commercial policy is generally required while the app is on.
Truthfully Insured·Savings
Paying your premium in full can reduce your total cost.
True
Many insurers offer a paid-in-full discount and waive installment fees, which can lower the effective annual premium compared with monthly billing.
Truthfully Insured·How policies work
Auto insurance follows the driver, not the vehicle.
False
In most situations the policy follows the vehicle first. The vehicle owner's coverage is primary, and the driver's policy is typically secondary.
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