In car insurance, there are several main factors determine the premium prices
A: the owner and driver, this is the main factor decided to premium level.Phase line of the same model, insurance at the same time, the different owners of premium, driving people can make a big difference, sometimes seem is more than one times, mainly involving sex, age, education, academic performance, whether had a car accident, got a traffic ticket, etc.Generally speaking, in the past three years (some of the insurance company requires 6 years) had eaten a traffic ticket, traffic accident is higher than the owner of the insurance cost;Age is large (more than 55 years of age), women and degree is high, with a relatively low premium, because from the statistics, these people drive more cautious safety;Young people (under the age of 25) insurance cost is very high, because these people are the most likely to violate traffic rules or traffic accidents;If a fellow student, achievement good than bad grades of insurance cost is lower, because in the eyes of the insurance company, the good student drive not so fast.
2: ante.The discretion of the amount of the premium also plays a role, the higher the premium, the lower the co-payments, the premium is more expensive, this is better understanding.However, in addition to insured has height difference, car insurance and half care and fully insured, half of the premium is at least thirty percent cheaper than all risks.So-called half bao (Liability coverage) is mainly refers to a car accident, if it is the responsibility of the owner or driver, insurance company is only responsible for the other party by the crashed car repairs and damages and is not responsible for the owner of his car repairs, namely said in half of cases, the owners if crashed her car, insurance company is no matter.All risks (Full coverage) refers to a car accident, even if it is the responsibility of the owner, the insurance company will be responsible for the car repair, compensation.In general, most of new car will handle all risks, and used car for half a guaranteed rate higher than.According to the state laws and regulations, the owner must buy insurance, guaranteed not to buy half a person cannot deal with license plates;And whether to buy all risks is decided by the owners themselves.Such regulations, is to ensure that all cars have insurance, whether insured or all risks.
Three: the car itself.The prices of cars, cars, cars, and even color, how much will affect the premiums.Expensive car, premium sometimes is not necessarily more expensive than cheap car;New car is not necessarily more expensive than old car insurance premiums.Because of the new car, car anti-theft device, safety device, so it is safe.Different models may also affect the premium, high rate of theft of car, insurance can be expensive;In addition, the color of the car can affect the premiums that some insurance companies will be bright color to a particular model of car, such as red, yellow car charge expensive, because of love, the red car is bold and unrestrained character, relatively modest cautious while driving.
4: regional factors.The same car, the owner of the same, the same content of insurance and premium, if in different areas, the premium will be different.Car accidents the insurance company will according to each region, the rate of car theft has to develop the region's premium standard, roughly speaking, urban than rural insurance cost is high, the big cities than small cities high premium, premium cars congested areas than less crowded areas of insurance cost is high, the high population density areas is higher than low population density area of the premium
Five: the insurance company.The same situation in all the above conditions, the premium of insurance company is big also different.The United States is a private car power, according to the data of the transportation bureau of statistics, in 2009 the United States has a private car has 254 million vehicles;According to the 2010 census data, the United States has a population of 308.7 million, according to the calculation, private car ownership is about 82% of americans.Us so many private cars, car insurance has become a huge industry.Many insurance companies are competing for the customer, will introduce different premiums are favorable conditions, so the premium is very different.
In the United States, there are 254 million private car, the average premium $785 per year per car, the insurance company car premium income up to $199.4 billion a year, really a lot.However, according to my personal experience, the insurance company charges even though many, but customer service is good, and the compensation is also very "generous".My car was hit two times, each time after receiving the claim from insurance company will send professional personnel on-site inspection, detailed repair items listed on the spot, the estimated total repair cost, by my choice is to find their own garage repair or repair to the insurance company designated parking spots.I choose to find their own parking spots, the insurance company according to their valuation mailed check then, and let me know if I find the garage repair cost is higher than their estimate, please call the insurance company, they will deal with parking spots, look at whether undervalued or repair cost is too high.However, two repair costs are twenty percent lower than the insurance company's compensation, so also more than a sum of money after repair, in accordance with the provisions, the money is not returned to the insurance company, I will be the more as a "mental compensation", fall bags for Ann.
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