There’s a lot of received wisdom around car insurance. Like red cars costing more than other colors because sports cars tend to be red. And that tends to skew their actuary math or something. That’s never been the case as far as I know. But its a true fact according to many.
Others like what you’re mentioning sound more like sales tactics. An insurance agent wants to sell you a more expensive policy, or wants to charge you more than is necessary. And that’s the reason given. Even if its something that’ll never come up if you just dial up the insurance company on its own or hit their website.
