 Somebody Please Help Me? |
I am a financial consultant or usually we said that "Insurance Agent". And I'm still Freshmen. A half an hour ago, I made my 1st presentation to a man in a shop.
I am so nervous ... |
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 Question about medicaid? |
| I applied for medicaid last week because I am not able to get insurance through work right now. I haven't been employed through them long enough. Anyways, I also suffer from severe depression. W... |
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 Hi, i am 26, single and i work full time. Do i need a life insurance?what r the benefits having a life insuran |
| what do you have to pay usually a month?what happens with the money imagine if it was a 30 yr term and after 30 yrs will the money be paid out?... |
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 If you get married out of state, can your parents insurance drop you.? |
Is this true? I was not able to find anything on it, and I doubt it is true. I would like to try though.
Additional Details
Well thanks for the answers, I have a child on the way and I ... |
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 Do you know any UK life insurance companies that refunds all of your premiums if you do not claim? |
| Do you know of a uk life insurance company that refunds all of the premiums at the end of the policy?... |
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 UPS shiping problem? |
| I am seeking advice on what action I should do. I am planned to go to Indiana from Maine, then from Indiana to California to where I will be going to school. I had shipped everything (or most ... |
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 Complicated insurance question? |
| My sister accidentally backed into our house this morning with her car. While the damage to the car was only moderate (There was a large dent in the bumper, a few smaller dents, and some scrapes), ... |
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 What should i do to be able to sell insurance? |
i've recently in life had to make a carrer change due to health related problems, and thought that becoming an insurance broker would be a good, stable job.
does anyone out there know what ... |
|
 What do they do for families who cannot afford a funeral? |
| One my very close friends just died yesturday. There is no obituary or anything and I do not think they can afford a funeral. What do they do for families who cannot pay for a funeral?... |
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 Home Insurance For Special Cases? |
| I am trying to find an insurance company that will write an insurance policy on a very special home. It is way out in the middle of no where. They run on generators not normal electricity. They might ... |
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 We have life insurance on my ? |
| We have life insurance on my husband and I am the beneficiary on the policy. but we are getting divorce. Am I still be beneficialy after our divorce go through?... |
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 Insurance claim on lost ring? |
| I cannot find my wedding ring valued at several thousand $$$. If I make a claim will my husband have to sign papers, know about it? We're both on the policy. He will go ape sh** if he finds ... |
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 Whose problem is it? |
| Today, my wife was in our minivan & ice flew off the top (we cleared as much as we could) & broke a windshield behind her. Info exchanged & not hurt. The guy says he's ok with us ... |
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 Primerica - well AL Williams policy renewing? |
| I have an AL WIlliams 20 year policy that will be renewing in the next month. Yes 20 years ago I gave insurance a shot and sold myself a policy. Well my investments didn't and aren't ... |
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 Can a motorist sue the person who rear ended them 1 yr after the accident? |
| What if the person who was rear ended did not file a personal injury to the insurance company at the time of the accident? Can he still out of the blue file a lawsuit against the person who hit him ... |
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 How important is it to get the best rates Term Life Insurance company? |
I am looking at these options:
http://www.zanderins.com
Is there really a huge difference from top to bottom? Can I go with the more affordable option?... |
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seaboatdiving | Why does low credit score make your auto insurance higher? |
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One who knows things
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A low credit score does not make your insurance costs higher per say. A low credit score simply does not give as much of a discount as a high credit score may.
Example: Without running credit report on our systems insurance costs would be say $1000 a year. With a low credit score it only discounts $150 a year making what you pay $850 per year. With a high credit score it could discount it $400 per year making your costs $600 a year. That "discount" takes into account the likelyhood that you will A. Be a constantly paying client B. If you take care of your finances, you take care of your belongings Home, Car, Jewelry etc. and C. In the case of an accident you are more likely to be able to pay the assigned deductibles.
These are not all of the factors that come with the package but gives a general idea and abit more of an explaination than the previous answers I have read. |
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bundygil
 |
Because there's a direct statistical correlation between bad credit rating and car accidents. |
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disturbed
 |
Insurance companies say they see a direct correlation between people with low credit scores and claims.(not necessarily accidents)
The big problem here is there is no one to lobby for people with low credit scores while insurance companies have huge pockets and lobby groups.
Personally when I am driving I am not necessarily thinking about my bills? but whatever? |
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bud68
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To the insurance companies, you are a higher risk than someone with good credit. |
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mbrcatz
 |
Same exact reason being 16 and male makes your auto insurance higher - the claims histories show that people with lower credit scores have more claims with higher payouts. They cost the insurance company more to insure. So they pay higher rates.
No one has done any studies about WHY people with lower credit scores have more claims. So anyone who says, "it's because you don't maintain your car" or "it's because you aren't responsible", or any of that, is just GUESSING. NO ONE KNOWS WHY. Heck, the insurance companies don't care why, all they need to do, is show the relationship between credit score and claims, and voila! that's all the justification they need to get it past a state insurance commissioner. |
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tparr430
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depends on your age if you have had car insurance in the past shouldn't effect pricing if it's your first time then credit rating will effect price of insurance. BEEN THROUGH THIS WITH MY DAUGHTER SHES 25 YRS OLD HAS HER FIRST CAR ON HER OWN SHE STILLS USES MY AGENT AND SHE HAS AN OVERALL CREDIT SCORE BETTER THAN MINE BUT HAS NO MONEY OR GOOD INCOME IM RETIRED 58 HERE . HOW OLD ARE YOU THEY CONSIDER THAT A LOT WITH RATES. GOOD LUCK LOOK AROUND IF YOU HAVE PARENTS THEY CAN ASSIST YOU ON BEST DEAL. DRIVERS RECORD COUNTS ALL KINDS OF STUFF INVOLVED WITH INSURANCE GOOD LUCK THOUGH tparr430@yahoo,com |
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