Life is about second chances - but tomorrow may never come for me, unless one person cares

Auto insurers underwrite policies to evaluate the risk given to each insurance applicant. During this process, a person is grouped into a category, such as a high-risk driver, low risk, teenage or elderly. If this risk associated with the applicant is considered too high, the application could be denied coverage altogether. After the results are calculated, the insurance carrier then gives a price, which is based on the perceived risk that driver poses.

1. This is also known as rating the driver

Insurers use this rating as a way to measure what it costs to insure a particular person if a claim is made and how likely claims would occur again in the future. This is often referred to as financial responsibility that an insurer takes on. The tip is to maintain a safe driving record and avoid traffic accidents and you will go a long ways towards getting cheaper car insurance.

2. Not all Insurance Companies Rate Drivers the Same

Many providers use the same general metrics but their algorithms that ultimately determine rates are quite distinct. One of the biggest factors that all insurers use in calculating premiums is the frequency of accidents. When a person files a claim, the insurance kicks in and accidents can cost many thousands of dollars, especially if there is a death involved. The more claims a person files, the riskier he or she is in the eyes of the carrier and more likely to file a future claim. Thus, higher rates are imposed on these at-risk motorist. To keep rates low, avoid incidents and filing claims and you will save a lot of money on auto insurance. If you have had accidents in the past don't worry.

3. Main Contributing Factors that Affect Auto Insurance Rates

*Driving Record: Auto Insurers will take a close look at how many citations and accidents you have been involved in.

Keep up a good driving record and watch your rates go down.

*The Location you live: If you live in the city, you can expect to pay more than if you live in a rural location with much less traffic.

* The Car you Drive: This is a very large factor that makes up rates. New and expensive luxury or sports cars have some of the highest insurance rates. On the other hand, used cars that are safe and cheap to repair have some of the lowest coverage costs. Get a boring used car and save on coverage.

* Marriage Status: Married people pay less for car ins because they are considered more responsible.

* Your Age: Drivers that are under 25 can expect to pay about double for auto ins. The sweet sport for the lowest rates is between 32 and 62 years of age.

4. Apply for all the Discounts you can

A great and smart way to save on vehicle insurance is to apply for several discounts. If you have more than one automobile, consider getting a bundled or multi-vehicle discount. You can also take a safe driver course and save about 5%. Other popular discounts are good student, military, and even teacher.

5. Shop Direct on the Web for the Cheapest Rates

The internet has literally taken over the world. It has also saved millions of people money on car insurance. Buying car insurance online is smart because you can find direct rate pricing that most brokers can't match.

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STATUS : - read comment for update from crossposter
In a perfect world, every auto driver would operate his or her vehicle responsibly without the need to worry about the next car's inappropriate or dangerous driving. Unfortunately, life is far from perfect and the roads can be an extremely perilous place for everyone that shares it. Fortunately, there is insurance that protects us from the very real likelihood of accident occurrence.

Road rage is the term used for people who get behind the wheel when they are angry or upset and drive in an aggressive manner, venting their frustrations where they should not be vented, causing mayhem, disorder, fear and damages.

For the driver that fits into this category, insurance will not protect them from an ensuing claim or lawsuit. Insurance companies have designed their policies so that coverage is there for liability in the event an unintentional mishap occurs. In the case of road rage, the lack of proper driving etiquette is a deliberate act and the industry will not compensate for losses.

Logic, of course, is in favor of this. What about the victim of road rage, though? Does auto or truck insurance cover the victim?

While the 'mad driver' is legally liable for all damages, there are methods to utilize to ensure you will be covered as you should be. The industry provides the following options to all plans that give you the additional protection you may need from road rage perils.

Auto insurance with included comprehensive coverage, as well as collision coverage will benefit the innocent victim from vehicle or personal damage, injury or even death.
When all is said and done, however, every responsible driver - no matter how much coverage he or she has - does not want to be involved in a road rage event. So, how does the 'average Joe/Jane ' protect him or herself from being victimized? The following will provide guidance:

1. Don't respond to any provocation. Giving tit for tat may only serve to increase the perpetuator's aggressiveness.
2. Allow the other driver room to pass.
3. Shut and lock all car windows; lock the doors.
4. Attempt to speed away.
5. Commit the road rager's license number to memory and report it to authorities when you get home or out of your accoster's way.

Being prepared is the best way to get out of a bad situation. For more information about road rage coverage and prevention, speak to an experienced, independent agent that serves the broader community with all forms of auto, home, business, life insurance and more.

1 Response to "Life is about second chances - but tomorrow may never come for me, unless one person cares"

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