Have their own statistical strategy for the cost of their products.

Here are some of the beliefs of others in car insurance:
Car color affects the premium cost
Credit score does not affect the premium
No-fault insurance meaning pays are only when you are not accountable for damages
A companion driving your car is accountable for any accident and his insurance will be used

These concerns should be cleared by discussing and researching the elements of insurance to better target your needs in the process.