 Life Insurance Quote? |
| What is the best way to get a life insurance quote from numerous companies? I want o make sure that the prices I get are the actual price that they will end up charging me. What is the best website ... |
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 Which Insurance company is best for Whole Life Insurance ? |
I have search only 2 big compnay Metlife and New York Life.
I am 24 years old and want that whole life insurance for my life.
So i want to know which compnay i need to choose for whole ... |
|
 Who pays the medical bill if i decide not to settle my personal injury case? |
Additional Details
I was told that a lien will be put against
my settlement and that i can get my
personal medical insurance to pay along
with my auto med pay in order to ... |
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 Life insurance benefits? |
| I have to sign up for benefits at work and am wondering how much life insurance myself and husband should have, is there a certain percentage or rule to go by. We have 2 children a 13 and 15 year old.... |
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 How can I find out the named insurer for a nursing home if they won't give it to me? |
I want to notify the insurance company of the situation at the nursing home. my dad died needing cpr and cpr was not administered when he had a full code. it has been reported to the state.
A... |
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 Insurance ripped me off? |
| i had 2 cars insured in my name i was involved in a accident i got med pay for one car is that right was i suppose to get med pay for both ... |
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 Can someone please explain what EXACTLY a health insurance deductible is/means? |
| I am really confused about what a deductible is (regarding health insurance). I am new to the insurance thing. My new policy has a $500 deductible. I assumed this meant that I would have to pay the ... |
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 What happens if I want to make an insurance claim but there was a gap in protection on my policy? |
| I have got response that I should report an accident to my insurance company but at that time I wasn't insured. My policy was cancel but I just got it reinstated today. The accident was ... |
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 LIC Policy suggest me good policy ? |
| my age is 28 year,& i want to take one good lic policy.i am unmarried plz suggest me good policy for that,... |
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 Is Direct Travel insurance a O.K company to insure holiday with? |
Its for a 2 week break 2 mexico.
just wanted to know if its a established,respectable company thanks?... |
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 Anyone know whats going on with my insurance quote? |
| I am REALLY confused about these quotes i got, i have my test booked for the 10th of december and i am thinking about insurance so i got a quote for me on my dads car, the original quote for me (... |
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 Holiday insurance for 5 adults one child? |
Where can I get cheap insurance for my family of six travelling to Florida next year.
Two parents
One son aged 24 - working
Daughter and Son - both full time students aged 19 and 21... |
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 Will anthem blue cross blue shield cover this surgery? |
lapband or/and gastric bypass
its the kentucky one, which i guess they are all pretty much the ... |
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 Should companies be allowed to use your family health records to determine your coverage and rates? |
| I was reading recently that insurance companies are now using family history to calculate rates and even deny coverage where they can perceive a loss or bad investment. I believe most corporate ... |
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 Life insurance? |
| I would like to get life insurance, I am single, going to be 23 years old, I dont need anything major but i would like enough to pay off all of my bills and student loans, if something should happen. ... |
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V | Auto Policy? 10 pts best answer!? |
what determines the cost of an auto policy? |
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Insuranceman
 |
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.
The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.
An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.
In my agency, we have companies that do NOT run a credit score and welcome drivers with "less than perfect" driving records and specialize in youthful operators!
Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem!
Good luck, drive RESPONSIBLY and I hope this helps! |
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mcmdcak
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Coverage options, Vehicle type/model, driving record, age, marital status, miles driven per year, sex, and Company you select for coverage. |
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fth106
 |
There are many aspects that come into play when determining the cost of an auto policy including the level of risk and the value of the vehicle.
The level of risk is determined by many things including the drivers, the territory and how the vehicle is used. For example, a young single driver that delivers pizza and lives in an urban area will pay a much higher premium than a middle aged married driver that lives in a rural area and only uses the vehicle to make trips to the grocery store. Drivers with tickets and accidents demand more premium because they are a higher risk. The premium on commercial vehicles is normally more than private vehicles.
The value of the vehicle will be much higher on a Porsche than on a Yugo so the physical damage part of the insurance will be much higher as well. Repairs are more expensive and the bill could be much more before a car is considered totaled.
That isn't all that goes into determining a premium, but it is a large portion of it. |
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amust2407
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1. type of vehicle
2. location that the vehicle is garaged
3. liability limits
4. types of coverages purchased(i.e.-comp, collision, rental)
5. age & sex of the primary driver
6. driver's claims history
7. driver's driving history(i.e.-DUI's, tickets)
8. marital status
9. how many vehicles are insured on the policy
10. any other policies with the company(i.e.-homeowners, life)
11. financial history(i.e.-bankruptcy)
I'm sure there are more......but this is all I can come up with at the moment. |
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Tom Larsen
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amust240 gave you probably the best answer and in #11 - financials, just about all companies use credit as a basis for auto insurance. Not all companies use credit the same - some weigh it more heavily in scoring than others, that is why it pays to shop around for insurance. All these factors are used differently by insurance companies. |
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Ashwani
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Visit for your answer
http://www.shvoong.com/social-sciences/1773105-insurance-valuation/ |
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bud68
 |
Car value, coverge requested, location, car usage, insured driver record, insured driver age. |
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babs
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how old you are if youve had any previous claims where the vehicle is kept if its alarmed theres loads of ways to get a good quote if your a good driver |
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Mahogani J
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There are numerous factors that determine the cost of an auto policy.
There is the vehicle itself, you're driving history, your claims history, depending on your state your credit (to an extent), applicable discounts, the city, state and territory you live in. I have issued polices where people move , literally, two streets over and the premium changes because of the "territory" within the same zip code.
If you are under 25 your age, years of driving experience and marital status, and possibly gender can affect the cost of the policy as well.
And of course rates vary from company to company.
If you do have tickets or accidents, beware. Some companies will quote you a lower rate and they legally have sixty days to consider your driving history and increase your rate.
Be sure to ask that you are getting the best rate as of the quote.
Knowing this I once got a quote from a large insurer at about $500. I pressed the service rep to factor in my not so great driving history and the rate doubled. Had I not known what I did and took the policy I would have had a very unpleasant surprise. |
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