15 Fascinating Things You Need to Know About Your Insurance

Parking tickets, car color and disabilities don’t factor into premiums

Speaking of insurance rates, do you really understand what goes into the price you pay for auto insurance? The Zebra surveyed 1,165 U.S. auto insurance consumers in 2017, and found 90 percent of people said they knew which factors are used to calculate premiums. Yet, only 21 percent got a passing grade when actually identifying them.

These three tripped up people the most:

• 35 percent thought abilities or disabilities affect insurance rates. (They don’t.)
• 25 percent thought getting a parking ticket affects insurance rates. (It doesn’t.)
• 23 percent thought the color of your car affects insurance rates. (Nope.)

None of these factors is used by car insurance companies to calculate rates.