var quotes = new Array;

quotes.push("<strong>Red cars cost more to insure.</strong><br><br><strong><i>Myth:</i></strong> Color is not a factor used to calculate car insurance rates — we don't even ask you what color your car is when you get a quote from us. Factors that do matter are the year, make, model, body type, engine size and age of your car, as well as drivers on your policy.<br>");

quotes.push("<strong>Car insurance rates go down dramatically when drivers turn 25.</strong><br><br><strong><i>Myth:</i></strong> Younger and older drivers typically have the most car crashes, and customers of different car insurance companies have different claims experiences...<br>");

quotes.push("<strong>One speeding ticket will make my car insurance rates go up.</strong><br><br><strong><i>Myth:</i></strong> Sometimes this is true, but in many cases, you have to get two tickets before your rate goes up. Your driving history, the length of time you've been insured with a company and how fast you were going when you were cited can affect whether your rate increases or not...<br>");

quotes.push("<strong>Auto insurance rates aren't regulated, so auto insurance companies can charge what they want.</strong><br><br><strong><i>Myth:</i></strong> Each state requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates...<br>");

quotes.push("<strong>I only need the bare minimum amount of car insurance.</strong><br><br><strong><i>Myth:</i></strong> Many states have minimum car insurance requirements, but the minimum amount of required insurance may not cover all of your costs...<br>");

quotes.push("<strong>Cheaper cars cost less to insure.</strong><br><br><strong><i>Myth:</i></strong> If your cheaper car has a large engine, weighs a lot or is an unusual model, it might cost more to insure than a more expensive small car...<br>");

quotes.push("<strong>If someone driving my car causes an accident, I won't be held responsible.</strong><br><br><strong><i>Myth:</i></strong> It's possible you'll be financially responsible for an accident — even if someone else is driving your car...<br>");

quotes.push("<strong>Older cars are cheaper to insure.</strong><br><br><strong><i>Myth:</i></strong> Car insurance rates for all vehicles vary depending on several factors, such as who drives a vehicle and its annual mileage. For older vehicles, many drivers choose to carry only Liability (BI/PD) coverage, which covers injury or damage to other people or property, not damage to the insured person or vehicle...<br>");

quotes.push("<strong>My car insurance rates will be higher if I'm a smoker.</strong><br><br><strong><i>Myth:</i></strong> Your car insurance rates will not be higher if you smoke — we don't even ask you if you're a smoker when you get a quote from us.<br>");

quotes.push("<strong>My car insurance rates will be similar to my neighbor's rates.</strong><br><br><strong><i>Myth:</i></strong> Car insurance rates are individually determined, so factors such as age, driving record, type of vehicle and marital status are considered...<br>");

quotes.push("<strong>Comprehensive coverage protects drivers in all situations.</strong><br><br><strong><i>Myth:</i></strong> Comprehensive coverage is one type of protection available on an auto insurance policy (others being Collision, Uninsured Motorist, etc.)...<br>");

quotes.push("<strong>I can use Rental Reimbursement coverage to rent a car for my vacation.</strong><br><br><strong><i>Myth:</i></strong> Unless your insured car is in the shop as the result of an accident, you won't be able to use Rental Reimbursement to rent a car for vacation...<br>");

quotes.push("<strong>Having more than one insurance policy with the same company always results in a cheaper car insurance rate.</strong><br><br><strong><i>Myth:</i></strong> Buying more than one type of insurance, such as auto and homeowners insurance, from the same company doesn't always mean you're getting the best rate available...<br>");

quotes.push("<strong>Information from my credit report is used when determining my car insurance rate.</strong><br><br><strong><i>Reality:</i></strong> We order your credit report and use information from it to calculate your insurance score — this score is used when determining your car insurance rate...<br>");

quotes.push("<strong>Anyone who drives my car with my permission is covered if I have insurance.</strong><br><br><strong><i>Reality:</i></strong> If you allow someone to drive your car, that person is covered by your insurance policy...<br>");

quotes.push("<strong>Smart Choice Insurance Group will group drivers with others who share similar risk characteristics.</strong><br><br><strong><i>Reality:</i></strong> Common practice in the car insurance industry is to rate drivers based on data collected for other drivers who share similar characteristics, which overall is a solid predictor for car insurance rating.<br>");

quotes.push("<strong>An accident can make my rates go up, even if it's not my fault.</strong><br><br><strong><i>Reality:</i></strong> Accidents that are your fault have a direct effect on your car insurance rate. Depending on the circumstances, you also may be placed in a group of customers who receive higher rates, even if an accident isn't your fault.<br>");

quotes.push("<strong>People who live in the city pay more to insure their cars than people outside the city.</strong><br><br><strong><i>Reality:</i></strong> Within a state, city dwellers usually pay more for car insurance than rural residents...<br>");


document.write(quotes[(Math.floor(Math.random() * quotes.length))]);