(406) 652-4180 • 1320 28th Street West, Billings, MT

A few Common Misconceptions About Insurance

There are many misconceptions about all types of insurance. Which do you fall for?


  Start a Quote Online    Find an Agent

One misconception is that if you get an insurance quote, the price you see is the price you will pay. False. A quote is simply a preliminary price that needs to be fine-tuned. Insurance companies will give you a quote based on the information you provide. If that information provided isn't accurate, your quote could change once it is time to issue a policy.

Another misconception is that "Full Coverage" will cover everything. The term "Full Coverage" means your auto policy includes comprehensive and collision coverage. This covers damage to your vehicle from various perils or named risks on your policy. Having a full coverage policy doesn't mean you are covered for every event.  Make sure to talk to your insurance agent to make sure you understand what is covered and what isn't. 

Do you think purchasing a RED vehicle costs more to insure? Great news, it doesn't! Your insurance premium is based on the year, make and model of your vehicle. Insurance carriers do not take color into account.

A big misconception is that State Minimum Limits Liability coverage is all you need on your auto insurance. Although this is all the coverage that the State requires to be legal on the roadway, by purchasing minimum limits liability coverage you risk paying more out-of-pocket costs if you have an accident. This can be very pricey and lead to lawsuit if your State minimum limits liability coverage proves to not be enough to cover the property damage or injury you have caused. It is not only your insurance agent's job to protect your assets, the responsibility rests with you as well.   It's always a great idea to contact your insurance agent to help debunk the misconceptions.


Article By: Jenn Devere, Licensed Agent at Darnielle Insurance

We'll Shop Around

We'll Shop Around So You Don't Have To

Start a quote by filling out our online application providing us with the basic information we need to perform a quote. It only takes a few minutes and we'll respond within one business day.

Start a Quote  Contact Us

Must Read Articles

Find Helpful Information and Articles from Darnielle Insurance

  View All

A few Common Misconceptions About Insurance

There are many misconceptions about all types of insurance. Which do you fall for?

 auto  

Delivery vs. Rideshare - What's the difference?

If you use your personal vehicle to pick up and deliver goods or people, there are some things you should know regarding your auto insurance.

 auto   risk  

Protecting Yourself from the Uninsured and Underinsured Driver

With over 29 million uninsured drivers in the US what can you do to protect yourself?

 service   auto  

So What is this "Insurance" Anyway?

All the terms about drive a person mad: perils, premiums, hazards, losses and limits. There seems no end to it, and what does it all mean?

 service   auto  

Our Insurance Partners

— Protecting Everything You Value Most —

Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.

Start a Quote Online