Affordable Insurance Agency: Tennessee
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Finding affordable insurance can be a challenge, but understanding how insurance companies calculate rates can help. Car insurance providers use algorithms that take into account your personal information and their own claim data to determine the likelihood of you filing a claim and how much it could cost them. If you are perceived as a higher risk, you can expect to pay more for insurance. On the other hand, if you are seen as a safer driver, you may be able to secure a lower premium.
Believe it or not, car insurance rates aren’t arbitrary numbers made up by auto insurance providers; they are carefully thought-out calculations. Using your personal information and company claim data, car insurance companies use their own algorithms to make an educated guess on how likely you are to file a claim – or, to put it another way, how much you could cost the insurer. The riskier you appear, the more you will pay for car insurance. The safer you seem, the less you’ll pay.
Some risk factors may not be obvious, like your credit history for instance, but insurance companies have statistical data to back up the reasons they use these rating factors.
Insurance premiums start out with a base rate based on broad categories of drivers, such as females under the age of 25 living in Tampa, Florida. Then, insurance companies look further at individual risk/rating factors that affect the probability of you placing a claim.
The main rating factors for auto insurance are:
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