Auto Insurance Quotes Cheap Auto Insurance quotes Companies: Reason Why we need Car Insurance?

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auto insurance quotes, auto insurance quotes comparison, auto insurance companies, cheap auto insurance, auto owners insurance, direct auto insurance, motorcycle insurance, cheap insurance, general auto insurance, auto insurance reviews, aaa auto insurance, auto owners insurance, farmers insurance, car insurance, car insurance quotes, cheap car insurance, car insurance companies, cheapest car insurance, general car insurance, insurance, auto insurance, insurance quotes, insurance companies, Auto Insurance Quotes Cheap Auto Insurance quotes Companies: Reason Why we need Car Insurance? Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages. When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims. Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver (age, gender, driving history) and the usage of the car (commute to work or not, predicted annual distance driven).
The current system of insurance creates groupings of vehicles and drivers (actuarial classes) based on the following types of classifications.
Vehicle: Age; manufacturer, model; and value.
Driver: Age; sex; marital status; driving record (based on government reports), violations (citations); at fault accidents; and place of residence.
Coverage: Types of losses covered, liability, uninsured or underinsured motorist, comprehensive, and collision; liability limits; and deductibles.
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Vehicle: Age – 7 years old; manufacturer, model – Ford, Explorer XLT; value $ 18,000
Driver: Age – 38 years old; gender – male; marital status – single; driving record (based on government reports) violations – 1 point (speeding); at fault accidents – 3 points (one at fault accident); place of residence 33619 (zip code)
Coverage: Types of losses covered; liability – yes; uninsured or underinsured – no; motorist comprehensive – yes; collision – yes; liability limits – $100,000/$300,000/$50,000; deductibles – $500/$500.
A change to any of this information might result in a different premium being charged if the change resulted in a different actuarial class or risk level for that variable. For instance, a change in the drivers’ age from 38 to 39 may not result in a different actuarial class because 38 and 39 year old people may be in the same actuarial class. However, a change in driver age from 38 to 45 may result in a different premium because the records of the insurer indicate a difference in risk associated with those ages and, therefore, the age difference results in a change in actuarial class or assigned risk level.
Discounts: Safety equipment on the vehicle airbags, and antilock brakes; theft control devices passive systems (e.g. The Club), and alarm system; and driver type – good student, and safe driver (accident free); group – senior drivers fleet drivers . farmers insurance, car insurance, car insurance quotes, cheap car insurance, car insurance companies, cheapest car insurance, general car insurance, insurance, auto insurance, insurance quotes, insurance companies, auto insurance quotes, auto insurance quotes comparison, auto insurance companies, cheap auto insurance, auto owners insurance, direct auto insurance, motorcycle insurance, cheap insurance, general auto insurance, auto insurance reviews, aaa auto insurance, auto owners insurance, Auto Insurance Quotes Cheap Auto Insurance quotes Companies: Reason Why we need Car Insurance?

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Comments

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