Depending on the severity of the accident and the number of points assessed, rates can increase by as much as twenty to thirty percent. Statistics show that married drivers average fewer accidents than the rest of the population so policy owners who are married often receive lower premiums than single persons. The profession of the driver may be used as a factor to determine premiums.
How do I find out if a car is insured? | LV=
Certain professions may be deemed more likely to result in damages if they regularly involve more travel or the carrying of expensive equipment or stock or if they are predominant either among women or among men. Two of the most important factors that go into determining the underwriting risk on motorized vehicles are: performance capability and retail cost. The most commonly available providers of auto insurance have underwriting restrictions against vehicles that are either designed to be capable of higher speeds and performance levels, or vehicles that retail above a certain dollar amount.
Vehicles that are commonly considered luxury automobiles usually carry more expensive physical damage premiums because they are more expensive to replace. Vehicles that can be classified as high performance autos will carry higher premiums generally because there is greater opportunity for risky driving behavior. Motorcycle insurance may carry lower property-damage premiums because the risk of damage to other vehicles is minimal, yet have higher liability or personal-injury premiums, because motorcycle riders face different physical risks while on the road.
Risk classification on automobiles also takes into account the statistical analysis of reported theft, accidents, and mechanical malfunction on every given year, make, and model of auto.
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Some car insurance plans do not differentiate in regard to how much the car is used. There are however low-mileage discounts offered by some insurance providers. Other methods of differentiation would include: over-road distance between the ordinary residence of a subject and their ordinary, daily destinations. Another important factor in determining car-insurance premiums involves the annual mileage put on the vehicle, and for what reason.
Driving to and from work every day at a specified distance, especially in urban areas where common traffic routes are known, presents different risks than how a retiree who does not work any longer may use their vehicle. Common practice has been that this information was provided solely by the insured person, but some insurance providers have started to collect regular odometer readings to verify the risk.
Cents Per Mile Now  advocates classified odometer-mile rates, a type of usage-based insurance. After the company's risk factors have been applied, and the customer has accepted the per-mile rate offered, then customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline litres of petrol. Insurance automatically ends when the odometer limit recorded on the car's insurance ID card is reached, unless more distance is bought. Customers keep track of miles on their own odometer to know when to buy more.
The company does no after-the-fact billing of the customer, and the customer doesn't have to estimate a "future annual mileage" figure for the company to obtain a discount. In the event of a traffic stop, an officer could easily verify that the insurance is current, by comparing the figure on the insurance card to that on the odometer.
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Critics point out the possibility of cheating the system by odometer tampering. Although the newer electronic odometers are difficult to roll back, they can still be defeated by disconnecting the odometer wires and reconnecting them later. However, as the Cents Per Mile Now website points out:.
As a practical matter, resetting odometers requires equipment plus expertise that makes stealing insurance risky and uneconomical. There are also powerful legal deterrents to this way of stealing insurance protection. Odometers have always served as the measuring device for resale value, rental and leasing charges, warranty limits, mechanical breakdown insurance, and cents-per-mile tax deductions or reimbursements for business or government travel.
Odometer tampering, detected during claim processing, voids the insurance and, under decades-old state and federal law, is punishable by heavy fines and jail. Under the cents-per-mile system, rewards for driving less are delivered automatically, without the need for administratively cumbersome and costly GPS technology. Uniform per-mile exposure measurement for the first time provides the basis for statistically valid rate classes. Insurer premium income automatically keeps pace with increases or decreases in driving activity, cutting back on resulting insurer demand for rate increases and preventing today's windfalls to insurers, when decreased driving activity lowers costs but not premiums.
In , the Progressive Insurance company started a pilot program in Texas, in which drivers received a discount for installing a GPS -based device that tracked their driving behavior and reported the results via cellular phone to the company. In following years many policies including Progressive have been trialed and successfully introduced worldwide into what are referred to as Telematic Insurance. Such 'telematic' policies typically are based on black-box insurance technology, such devices derive from a stolen vehicle and fleet tracking but are used for insurance purposes.
Since GPS-based and Telematic Insurance systems have become more mainstream in the auto insurance market not just aimed at specialised auto-fleet markets or high value vehicles with an emphasis on stolen vehicle recovery. The Progressive Corporation launched Snapshot to give drivers a customized insurance rate based on recording how, how much, and when their car is driven.
Because insurance is regulated at the state level, Snapshot is currently not available in Alaska, California, Hawaii, and North Carolina. Cars that are driven less often, in less-risky ways, and at less-risky times of day, can receive large discounts. Progressive has received patents on its methods and systems of implementing usage-based insurance and has licensed these methods and systems to other companies. They offer a true pay-per-mile insurance where behavior or driving style is not taken into account, and the user only pays a base rate along with a fixed rate per mile.
This is supposed to be an affordable car insurance policy for low-mileage drivers. Metromile is currently only offering personal car insurance policies and is available in California, Oregon, Washington, and Illinois. Insurance companies have started using credit ratings of their policyholders to determine risk.
Driving and transport
Drivers with good credit scores get lower insurance premiums, as it is believed that they are more financially stable, more responsible and have the financial means to better maintain their vehicles. Those with lower credit scores can have their premiums raised or insurance canceled outright. The use of non-intrusive load monitoring to detect drunk driving and other risky behaviors has been proposed. Behaviour based Insurance focusing upon driving is often called Telematics or Telematics2. Auto repair insurance is an extension of car insurance available in all 50 of the United States that covers the natural wear and tear on a vehicle, independent of damages related to a car accident.
Some drivers opt to buy the insurance as a means of protection against costly breakdowns unrelated to an accident. In contrast to more standard and basic coverages such as comprehensive and collision insurance, auto repair insurance does not cover a vehicle when it is damaged in a collision, during a natural disaster or at the hands of vandals.
Providers can also offer sub-divisions of auto repair insurance. There is standard repair insurance which covers the wear and tear of vehicles, and naturally occurring breakdowns. Some companies will only offer mechanical breakdown insurance, which only covers repairs necessary when breakable parts need to be fixed or replaced. These parts include transmissions, oil pumps, pistons , timing gears, flywheels, valves , axles and joints.
In several countries insurance companies offer direct repair programs DRP so that their customers have easy access to a recommended car body repair shop.
Some also offer one-stop shopping where a damaged car can get dropped off and an adjuster handles the claim, the car is fixed and often a replacement rental car is provided. When repairing the vehicle the car body repair shop is obliged to follow the instructions regarding the choice of original equipment manufacturer OEM , original equipment supplier parts OES , Matching Quality spare parts MQ and generic replacement parts.
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How to find out if a car is insured
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Insurance companies usually issue two proofs of insurance per vehicle. One to keep in your vehicle at all times and one to use to provide proof to the Secretary of State. Sometimes you need to mail out your proof of insurance and having an additional copy makes the process a lot easier. Have you recently changed your address or is there a typo in your VIN number?
You need to have your proof of insurance updated. Contact your insurance agent , sign into your online policy, or call your carrier's customer service number and get your proof updated.