Sentences with phrase «driver risk premiums»

Driver Risk Premiums go back three years and the fines are very high.

Not exact matches

The geopolitical risk premium has taken center stage as one of the key drivers of oil prices in recent months, often trumping fundamentals to send...

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If the data show that you're a low - risk driver, you might qualify for a significant discount on your car insurance premiums.

High risk drivers and young drivers may pay excessive premiums or they may find it difficult to find coverage at all.

Systematically collecting option premium from the sale of short - term puts and calls is one of the three primary drivers of the Defined Risk Strategy.

Two explanations have emerged along these lines of inquiry: a risk - based and a mispricing / behavioral - based view of the drivers of the value premium.

Had we only had access to the value premium across different earnings quality quartiles, it would have been difficult to conclude whether the driver of this relationship is risk or mispricing.

This could either mean a higher or lower premium since different drivers in different states pose different amounts of risk (as well as other factors).

If you are convicted of driving without valid auto insurance, your next insurance company may consider you a «high - risk» driver and charge you higher premiums or refuse to sell you insurance altogether.

Non-standard drivers are considered the highest risks on the road and thus are offered the highest car insurance premiums.

The driver considered the highest risk by your insurance company will generally be used to figure your household premium.

Therefore if you wish to drive in South America your insurer will expect you to pay a higher premium than someone who only wishes to drive short journeys in Idaho (assuming that both drivers have otherwise equal risk profiles).

Insurance companies look at drivers as a risk and the higher risk you are, the higher your premium rates will be.

Non-standard auto insurance is insurance for those drivers whose underwriting experience makes it difficult or impossible to obtain insurance at standard or preferred rates, but who are acceptable risks to certain companies at a higher premium.

Even high - risk drivers can acquire insurance, though the premiums will be higher than those drivers who do not have that distinction.

Since more points indicate an increased risk of future violations, insurance companies periodically review drivers» records, and may raise premiums accordingly.

Commonly, after reviewing a CLUE report that includes past claims, the auto insurance company will raise the insurance rating and risk assessment, and recalculate the premiums accordingly, pushing the drivers cost higher.

Drivers under the age of 25 Drivers who are under the age of 25 have the highest premium rates because auto insurance companies believe that these group have a higher risk of committing traffic violations which will make them more prone to accidents and car damages.

High risk drivers are shouldering the higher end of expensive premiums due to their past mistakes.

Generally speaking, the same factors that make you a higher - risk driver will be what drive your premiums higher than other motorists, even through the OK AIP.

Young drivers are generally inexperienced behind the wheel and are known for being high - risk by auto insurers, which helps to explain why auto insurance premiums are so high for this age group.

Insurance companies dictate premiums and deductibles based on which group of drivers you belong to, and sadly, retired individuals belong to these «high - risk» categories.

AAA reports insurance premiums for low - risk drivers with good driving records were up 9.6 % in 2016, bringing the average policy to $ 1,222 per year.

Do note that your premiums will be much higher this time round — after all, you did prove that you're a high - risk driver.

In this instance the driver is knowingly endangering themself and others and as such it is unlikely that an insurance company would accept the liability because the level of risk is unjustified by the client's premium.

Certain factors that don't directly affect you as a driver, or the risk factor of your car, can still affect the premium of your policy.

When determining your car insurance rates, auto insurance companies go by the numbers, meaning they base the driver's premium on their risk of making a claim / getting into an accident.

If you've got more than a certain number of points, you can rest assured that your auto insurance company will be raising your car insurance premiums, as you present more risk than the average driver.

Another piece of bad news is that even if you decide not to combine your policies, if your partner is a high risk driver it still could negatively impact your premiums simply because most insurance companies consider the driving history of each family member that lives within a household when they underwrite policies.

Drivers in North Dakota would do well to try to reduce the crash rates — auto insurance companies have no problem with raising premiums if they determine that there's a higher risk involved with driving inside the state.

A large number of uninsured motorists prods car insurance rates higher because there are fewer insured drivers paying premiums to help offset the risks taken on by the car insurance companies.

As a new driver, the insurer has no history to rely on, so your premiums are based mainly on risk assessments of drivers that fit your demographic profile on factors such as age, gender and location.

Facing higher premiums in the future, because they show your insurance company that you are a «high - risk» driver.

Although all auto insurers claim to calculate premiums based on the risk you present as a driver, the results of those calculations vary wildly from one company to another.

Another criticism is that some no - fault jurisdictions have among the highest automobile - insurance premiums in the country, but this may be more a matter of effect than cause (e.g., the financial savings from no - fault may simply make it more popular in areas with higher automobile - collision risk, or high insurance rates may cause more drivers to go uninsured, increasing the attraction of a no - fault system).

Drivers who qualify only qualify for non-standard companies typically pay a much higher premium than standard policyholders, as they are perceived as less acceptable risks.

Younger drivers often face paying higher car insurance premiums than more experienced drivers because they are more prone to accidents and, as such, statistically present a higher risk to their insurance companies.

Critics of no - fault argue that dangerous drivers not paying for the damage they cause encourages excessive risky behavior, with only raised premiums and a higher risk rating as the potential consequence, and no jury awards or legal settlements.

By scrupulous attention to details of the driver's history and circumstances, he could determine who among the drivers in this broad classification were actually reasonable risks and could be offered lower premiums.

That company is forced to take the driver in however they can use high - risk assessment parameters to calculate premiums.

One is a tiered auto insurance system, where high risk drivers simply get bumped into a higher category for policy and premium rates.

It means that whenever you are asked to pay a premium for your auto insurance in the US, you can be assured that a highly qualified professional actuary has spent time understanding the risks to you and ensuring that your premiums are a fair reflection of the actual risks that drivers who are similar to you face every day.

They may assess risk differently based upon a driver's profile and then charge a premium that reflects that given risk.

For example, a racecar driver faces increased risk of death and, as a result, may pay high life insurance premiums or be denied coverage.

Previous claims and a history of accidents and / or traffic violations insurers are particularly keen that those drivers with a track record of making claims are required to make higher premium payments to remain insured, this is because they have already proven they are a higher risk.

Drivers who accumulate points will see their insurance premiums rise and can be at risk of having their license suspended or revoked.

Premiums for high risk drivers in the IN AIP are generally (but not always) higher than in the voluntary market.You can better manage your auto insurance costs if you understand the factors that affect your pPremiums for high risk drivers in the IN AIP are generally (but not always) higher than in the voluntary market.You can better manage your auto insurance costs if you understand the factors that affect your premiumspremiums.

If you are classified as a high - risk driver with points charged for speeding tickets, minor violations or at - fault accidents, this could mean a significant savings on your auto insurance premium.

If the Illinois car insurance company feels you represent a high risk consumer, your premium will be higher than another person determined to represent a lower risk driver.