There are many things you automobile insurance company just won't say. They leave you to discover them yourself, which can be a tough learning experience.

1. We Charge Young Drivers More, Especially Men

The statistics show that drivers under 25, especially men, have trouble getting insurance. When they do manage to get insured, their rates can be up to 100% higher than older drivers. This survey was taken in 2009 and posted on insurancerates.com.

2. Bad Credit? We're going to charge you even more.

Insurance companies have been taking credit histories into account since the 1990s. In fact, more than 90% do it.

3. You're not going to find out how we set our premiums.

In the 1990s, most insurances companies used the same set of pricing. They divided their customers into a few pricing tiers based on their age, driving record and where they lived. Nowadays, the formula is extremely complex and most consumers have little chance of fully understanding it.

4. Your car is worth so much less with that accident history.

It doesn't matter that you restored the car to tip-top condition. It could be in better shape than before the accident, but an insurance company won't care. It's worth less because of the accident history.

5. We don't use Kelley Blue Book or Edmunds.

The blue book is how most people find out what their used car is worth, but if you happen to total your car, the insurance company won't be using this method. Instead, many of them use claims servicing companies. This can end up costing you thousands of dollars, or much debating over the phone at the very least.

6. We define "totaled."

As a rule of thumb, an insurance company will rule a car totaled when the repairs exceed 70% of the automobile's value.

7. Your mechanic works for me.

Some companies actually own nationwide chains of repair shops, which might give us cause to be wary.

8. We don't want you to switch.

It's not uncommon for insurers to have tricky clauses for cancellation. Ask about their policy before jumping ship.

9. Our prices probably aren't the best.

Always make sure to get quotes from other companies. You may want to do this yearly to snag better and better deals.

10. Claims go on your history, even if we paid nothing.

If you filed a claim with the insurance company and ended up paying out of pocket due to the deductible, it still goes against you. This might make it difficult to switch insurers in the future.

11. Frequent claims? We quit.

Insurance companies will not stick with you for the bad times. If you end up filing four or more times (number varies) within a short period of time, they will drop you like a sack of potatoes.

12. You need a lawyer.

If you've been in an accident and think you need a lawyer, you might actually need one. But some insurance companies even sound out brochures saying not to hire one.