This calculator asks a series of questions; each answer will be used as a variable to compile quotes and determine the premium. Questions can be divided into two main categories, including vehicle information and personal information. Some of the most common questions that you see in auto insurance assessments are listed below:
1. What is your age or date of birth?
Age plays a role in the overall assessment. The insurance company audits very young and high-ranking high-risk drivers. The former group probably has no experience, and there is a high probability that young drivers violate some laws on road traffic, commit such violations as acceleration, etc. The latter group probably has some limitations in terms of hearing and driving skills, which means the likelihood that participation in an accident will also increase.
2. What is your profession?
Auto insurance evaluator uses drivers. professions for the calculation of accident rates. There is statistical information that some professions, such as doctors, real estate brokers, lawyers, business owners and salespeople, are considered stressful jobs; Insurers believe that stress loads affect driving concentration. Calving calculator can determine a higher insurance fee based on this factor.
3. What kind of car do you drive?
Car model also affects insurance rates. An auto insurance evaluator can refer to luxury cars, such as more expensive assets for insurance. In the event of accidents, vandalism or theft, a luxury car is more likely to be more expensive than its cheaper counterparts. A sports car with high speed and fast acceleration is quite risky to insure, so insurance companies tend to charge more for such cars.
4. How many cars do you need to insure?
It is good that the more cars are indicated in one insurance policy, the more discounts you are likely to receive. The discount is based on a picking option, so you may be entitled to other discounts if you insure your home, health and life with the same company.
5. What is your address?
The auto insurance evaluator uses your address to determine whether you live in a specific area where the crime rate is considered high. You have to pay more to protect the car if you live in high-risk cities.
6. How many violations are in your driver's record?
A driving record is evidence that the DMV lists all previous accidents in which you have been involved, traffic violations and every ticket. Insurance companies use data to determine whether you are a low-risk or high-risk driver.
