By Scott Rowan

The world of insurance can seem confusing and full of unexpected disappointments. At Rowan Insurance Group, we don’t believe in surprises (except the good kind), so we’re working to bust the myths surrounding insurance and insurance carriers.

Myth #1 - Your car insurance rates are only based on your driving record and experience.

Truth: It used to be based more on tickets and accidents, but that’s all changed. Factors now include: your credit score and financial information, your debt-to-income ratio, the number of revolving credit accounts you hold, late payments you make on credit balances, and more.

Want to know which decisions can affect your rates, and how many other factors are involved? Want to make sure you’re not trading basic protections for cheap prices? Call us at Rowan Insurance Group, and we’ll give you the straight story. We’ll take your individual circumstances into account, and shop among our multiple insurance carriers for the best fit for you.

Have your own questions about insurance myths, or just want to see more busted? Follow us on Facebook and post your own questions (or just follow the postings and learn more), or contact us today.