10/08/2026
Red cars don’t cost more to insure. That’s the harmless one on this list.
The other four can cost you real money.
Five things California drivers get wrong about auto insurance 👇
1️⃣ PAINT COLOR — Not a rating factor. Not here, not anywhere. Your make, model, driving record and mileage set your rate.
2️⃣ “STATE MINIMUM IS ENOUGH” — California’s minimum is 30/60/15. That’s $15,000 for property damage. A new SUV costs three times that. The rest is your bill.
3️⃣ “BAD CREDIT RAISES MY RATE” — Not in California. Prop 103 bars auto insurers from touching your credit history.
4️⃣ “IF MY FRIEND CRASHES MY CAR, THEIR INSURANCE PAYS” — Coverage follows the car. Your policy pays first: your limits, your deductible, your claims record.
5️⃣ “UNINSURED MOTORIST IS JUST AN UPSELL” — 20.4% of California drivers carry nothing. That’s one in five cars around you on Highway 1.
Which one did you think was true? Tell me below 👇
Not sure what’s actually on your policy? Bring your declarations page to our Pacifica office. We’ll read it line by line and tell you straight — what’s covered, what’s not, and what it costs to fix.
No spam. No pressure. Just a real person.
📞 415-890-6033
📍 82 W Manor Dr, Ste B, Pacifica, CA 94044
🌐 thachinsuranceagency.com
Aaron Thach · Licensed Insurance Agent · License · Agency License #6000850
Coverage descriptions are general; your policy governs.
