Thursday, September 30th, 2010 at
8:18 pm
Compare auto insurance- based on occupation
Unreal but true that when you compare auto insurance quotes or review car insurance, your occupation will change the auto insurance rates
Auto insurance rates are based on a lot of factors. The general insurance companies are continuously in the process of gathering data on both the premium that they receive and the claims that they pay. This data is than micro-managed and each aspect of the data noted, examined and analyzed. They would than compare auto insurance premiums with the claims paid breaking it down into whatever category it is possible to examine it. The broad factors considered are the drivers, the vehicle, the road conditions, the geographical area and the weather conditions. Here taking into account only the driver of the vehicle factors like age, gender, driving record and speed of vehicle and his occupation all are taken into consideration when the general auto insurance companies review car insurance coverage and compare auto insurance premiums to decide on a rate. Thus when you compare auto insurance quotes and supply information, the auto insurance quote will change on the information based on these factors. Please read the post why should you compare auto insurance quotes for more details.
Why is the auto insurance rate based on occupation when you review car insurance premium?
The general insurance companies consider the occupation since the general auto insurance companies have found that a person who are attorneys, lawyers, judges, executives and business owners are paying the maximum auto insurance premium. This has been attributed to the fact that the claims experience of this class is much higher than other occupations. Why? The reason why this is the case can be attributed to three facts:
1) They have stressful jobs.
2) They travel more and so the mileage consumption is more higher.
3) The nature of their occupation would force them to talk even when driving- and so the chances of distracted driving are increased.
The occupation which has pays the least car insurance premium are scientists, pilots, navigators, actors, performers and artist. The reasons for this is :
1) Scientist is detail orientated, travel less and have a keen concentration.
2) Pilots and navigators need to maintain a good track record on the road to remain in the very occupation they are.
3) Actors, artist or performers are either traveling in groups by the public transport or are being chauffer driven. They normally drive less mileage and travel within the city.
Remember that this is a generalization and may not be true. However, for individual differences all other details like the driving record and so forth is seen.
You cannot change occupation to get low auto insurance rate, but you can manage a low insurance rate with an auto insurance discount?
The reality is that you would not dream of taking up an occupation to get low auto insurance rates, but you can certainly still manage a low auto insurance rate with a discount. You get discounts for being a member of affinity groups such as AARP, AAA, alumni groups and other associations.
Secondly, you can compare auto insurance quotes and review car insurance and find out which is the low auto insurance rate being offered. Multiple quotes from the top insurance companies. Get them quickly and within a matter of moments
Saturday, March 20th, 2010 at
9:16 pm
Compare auto insurance quotes- Its your need to save.
Kriste Aivston : Why is there the need to compare auto insurance quotes and review car insurance coverage?
Need to compare auto insurance quotes, review car insurance :
Compare auto insurance quotes, review car insurance coverage
Response 
lease read my link and you will get the basics of the need to compare auto insurance quotes or review car insurance coverage.
Need to compare auto insurance quotes for green enviorment
The other reason to compare auto insurance quotes is because the insurance field is very active and any modifications in the life-style, ecosystems or technology would bring variables in the insurance. Since the “green” industry is promoting a better environment and environmentally friendly technology, the Insurance Industry is promoting the “green” industry and its products (i.e.: hybrid cars). About 37 percent of the USA insurance companies are among the 244 insurers, reinsures and insurance organizations in 29 states which have introduced eco-friendly products and services; as per Insurance Information Institute.
< H3> New changes in Personal lines raises need to compare auto insurance quotes
The personal lines automobile insurers have been bringing in new auto insurance rating changes and measures using the ground-breaking technological changes. You can get a low auto insurance rate, since the insurance companies compete with each other; you are given an opportunity to get low auto insurance rates. The new technological devices with rapid expansion of web have introduced new automobile rating ploys. New car insurance programs are designed which are called “pay as you drive”. (PAYD). Only if you drive less, you can get decreased insurance quotes rather than having a cast-iron auto insurance quote. If you belong in this category, then it is time you were rewarded. The smaller quantity of mileages you use, the less chances of auto collisions come about. Progressive Insurance has already started this in the state of Ohio. There are a variety of devices like the odometer, the GPS, the web and others used for tracking the mileage and a number of such programs by the insurance companies. Information on the usage of the car would be generated from the devices which have recording facilities. This recording would give the insurance companies details of the car usage on which the policy discount will be calculated. One needs to compare auto insurance devices used for rating when you sit down for online car insurance comparison, since the devices needs to be most appropriate for your needs.
Compare auto insurance quotes for auto insurnace discounts
There is need to compare auto insurance quotes since the insurance companies would be offering you auto insurance discounts on the hybrid cars. Before thinking of buying a new car in the New Year, one should keep these factors in mind. Hybrid cars help you save cash, get the best insurance rates, and help the environment. It is safe to remember that top safety picks for 2010 would depend on “Cheap auto insurance quotes for top safety picks for 2010. Pick up the gift the auto insurance companies are offering and get your best car insurance rates.
The key is compare auto insurance quotes and review car insurance coverage you will get results in form of low auto insurance and best car insurance coverage.
Wednesday, November 18th, 2009 at
8:50 pm
Janet Jackson: How are zip codes used in calculating auto insurance quotes?
Response: Comparing auto insurance quotes is becoming very easy as time passes and this is the truth. Machines are soon replacing the humans and the insurance agents and it is time the insurance agents also accept this reality. Auto insurance rates are based on the geographical locations since the car insurance companies develop their data base on the geographical location. The auto insurance claims for the area and premium generated in the area will form the base of the base premium for that area. Now zip codes are associated with the geographical area and so as soon as the zip code is filled in the base premium or the base rate as the auto insurers or underwriters call it is decided. To this base rate is the loading of the type of car, the drivers, the driver history and other factors. Dedeuction of the discounts is than done and finally the final auto insurance quote is arrived at.
Most online car insurance rate calculators require that consumers enter the personal, vehicle and driver record details. Once this is filled than the online calculators will just be produce the quote and with the advanced technology you will get the quotes from about 5-6 auto insurance quotes. Check it out yourself right here. Compare auto insurance quote now and bank in your profits in terms of savings.
Tuesday, September 1st, 2009 at
8:02 pm
Dianara :What determines the price of my auto insurance policy?
Respionse : There are many factors that influence the price you pay for auto insurance. The average American driver spends about $850 a year. Your premium may be higher or lower, depending on the following :
1.Your driving record:The better your record, the lower your premium. If you’ve had accidents or serious traffic violations, you will pay more than if you have a clean driving record. You may also pay more if you haven’t been insured for a number of years or are a new driver.
2. Mileage of use :The more miles you drive, the more chance for accidents. If you drive a lower than average number of miles per year, less than 10,000, you will pay less. For instance, some companies will give discounts to policyholders who carpool.
3. Geographical area :-Where you live. : Insurance companies look at local trends, such as the number of accidents, car thefts and lawsuits, as well as the cost of medical care and car repair.
4.Your age:In general, mature drivers have fewer accidents than less experienced drivers, particularly teenagers. So insurers generally charge more if teenagers or young people below age 25 drive your car.
5.The car :The car you drive decides your insurance rate.Some cars cost more to insure than others. Variables include the likelihood of theft, the cost of the car, the cost of repairs, and the overall safety record of the car.
6.The amount of coverage.Of course, like anything else, the more coverage you have, the more you pay. However, you may qualify for discounts.
It is best to compare your car insurance rates and auto insurance online for free and see what the changes are. Friends this is a dynamic market and so it pays to compare auto insurance quotes – 411.
Monday, June 15th, 2009 at
8:34 pm
Why do you need auto insurance and to compare auto insurance?
Need to compare and reveiw auto insurance quotes is what the customers should focus on to get low auto insurance rates. With online auto insurance this is easy. Insurance is bought for ensuring your financial stability and to save yourself from stress and worry in case any misfortunate event occurs. Vehicles are prone to accidents because of an number of factors like the weather conditions, the road conditions, the driver’s physical or mental state and skills, the vehicle itself. In a fraction an accident can take place claiming lives, injuring the persons and causing property damage.
The Government has made it mandatory to buy car insurance for each and every car. The insurance policy covers collision damage to the vehicle in addition to the damage to property, injury to self or others, loss of wages, medical and rehabiliation expenses.
The goal of each person is to get adequate insurance and the correct coverage’s for which the insurance agent can help you in understanding the different coverage’s offered by the insurance company.
The cost of insurance would depend upon many factors like :
- Type of auto – Year of manufacture and the Make : BMW, Jaguar, Jeep Buick
- Geographical area or region of plying like : Seattle, New York, Florida, Houston.
- The type of coverage and the limits opted for and
- The competition in the market between the insurance companies.
Thus before you buy an auto insurance policy, you need to shop around to find out the correct coverage and also to save your money on the premium because of the competition and prevailing insurance rates in the market. In this day and time, with online facitlities available it is easy, fast, reliable and smart to : “Compare auto insurance quotes 24/7 “” and obtain the correct “Car Insurance” , getting peace of mind and keeping some extra dollars for your-selves – For the party- or the petrol!
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