Sentences with phrase «company factors your premium»

Not exact matches

«Those are things Canadians seem to really value in companies,» he says, noting that consumers may be placing a premium on these two factors since the financial crash of 2008.

Here's a quick rundown of local companies trading at significant premiums or discounts and the factors likely to affect their share values in 2018.

For this reason, many investors place a premium on a company's historical growth rate and projected future growth rate, as well as other factors:

Some finance companies even offer no - interest auto loans but think of factors such as higher auto insurance premiums, high repair bills, and depreciation.

While the diapers come at a premium over the non-organic diapers that Swaddlebees offers, they are equitable with the company's other organic options when you factor in that you don't need a separate cover or inserts for the diaper.

Less drastically, to be sure, but in each case the effect has been similar: confidence in the market for renewables undermined; companies less likely to invest and a risk premium factored in and at least partly passed on to the rest of us.

Who's to Blame To avoid price gouging, consumer advocate Newton and scientist Mills urge insurance companies to be transparent about the models they use for setting premiums — specifically how they factor in catastrophes believed to have been brought on by climate change.

As you are considering purchasing insurance, consider a few factors: first, females generally cost less than males to insure; second, shop around for insurance companies that offer discounts for driver's education classes, good grades, and driving logs; third, as you are insuring teenage drivers, your premiums will be lower if the drivers are occasional drivers; fourth, teenagers have a high accident rate, so consider purchasing high liability coverage and lower comprehensive coverage; and fourth, the type of car teenagers drive — whether it is new, sporty, or exotic — will also determine the premiums.

As disclosed in the Risk Factors section of Assurant, Inc.'s (the «Company») Annual Report on Form 10 - K for the year ended December 31, 2004, one of the Company's reinsurers thinks the Company should have been accounting for premiums ceded to them as a loan instead of as an expense.

Many different factors are involved in whether an insurance company raises your premium rates after you file a claim.

Each life insurance company uses different algorithms to determine premiums based an individual's health risks, age and other factors.

According to the Texas Department of Insurance and the Office of Public Insurance Counsel, some companies may use your credit history as a factor when calculating your insurance premium.

Insurance companies will take all these factors into consideration to determine your auto insurance premium.

Experts say there are hundreds of factors that go into how auto insurers set premiums, including state laws, claims history in the state, the individual company and the policyholder's characteristics, such as age, location and driving record.

Risk is one of the most important factors insurance companies consider when calculating insurance premium rates.

Car insurance companies will factor in nearly everything to determine your premium, and that includes if you drive a luxury car or not.

As with any type of insurance, the greater the risk factor for the insurance company, the higher your premium will be.

The reason is that insurance companies build in a «factor» for modal premiums to cover their cost of billing administration.

Actuary: An individual employed by an insurance company to calculate premium rates, reserves, dividends and other important figures using risk factors obtained from experience tables.

You need to inquire with your insurance company about whether or not they use your credit score as a factor in determining your premium.

The insurance company uses a person's health, age, and other factors to decide whether or not to accept customers and to determine how much the customer will have to pay in premiums.

Weight is one of the biggest factors that goes into how insurance companies estimate your mortality risk, which means it has a huge effect on your monthly premium.

Life insurance companies charge premiums that may be based on many factors, including, but not limited to:

The problem with using a credit history / score to determine an individual's auto insurance rate is that companies are using socioeconomic factors to establish a premium rather than using a client's actual driving record.

If your company is experience - rated, your experience modification factor will also play a role in determining how much your premiums cost.

These factors can raise your premiums if the company decides to offer you a policy.

Though auto insurance companies don't use it as a huge factor affecting premiums, it is still weighted into their calculation.

There are a variety of factors that every life insurance company uses to determine the premium.

Many intangible factors should also be noted into the valuation in the case of Berkshire, such as its conservative accounting, its cash position / reputation / lender of last resort before Fed (therefore ability to make certain unique investments in preferred / debt, or easy financing for targeted companies such as Burlington), its portfolio of excellent businesses that each commands a huge premium if they were to be sold in the market, etc..

All of these factors are calculated and projected in accordance with the insurance company actuaries to arrive at a premium.

But buying quality companies does not expose investors to a systematic factor which commands a risk premium.

Insurance companies take many factors into consideration before determining the premium for commercial boat insurance.

Owners of safe breeds who insure with State Farm and the other companies covering pit bulls, in particular, are paying correspondingly higher premiums, if all other factors are equal, than they would if insuring with one of at least 13 major U.S. insurance groups that do not cover pit bulls.

But another important factor is probably the fact that the company, and Musk personally, have guaranteed that resale value will be the «highest of any premium sedan brand made in volume» and will buy back the car from owners at that price if necessary.

As readers will know, insurance companies often justify higher premiums based on a criterion of «risk factors», such as age, geographic location, vehicle make and model, etc..

These factors include the insurer's capability to settle your dependent's claim, their financial worthiness, the number of benefits attached to the life policy they offer, the amount of monthly premiums you can afford to pay, the age brackets the company covers, and so on

Insurance policies will be changing with it, and factors like which company you partner with, how safe the rides are judged to be, and even how much the industry earns may affect your policy and your premiums.

California has a law that prohibits auto insurance companies from using ZIP codes, and a few other non-driving-related considerations, as primary factors in determining premiums.

Most insurance companies and most states use your credit score as a determining factor for your premium.

When your insurance company determines your monthly premium, they look at a myriad of factors to determine how risky of an investment you are — and the riskier you are, the more likely you'll cause them financial trouble — and the more expensive your premiums will be.

Each of these factors carry a significant weight with the life insurance companies when it comes to your premium.

The Myth: Your credit can not be viewed by your insurance company or used as a factor in determining your premiums.

The premium that you pay on your policy depends on three factors, the amount of insurance required, the term of the policy and how the insurance company assesses you for risk.

In fact, life insurance companies consider several different factors when determining your premium and rating.

There are many factors that life insurance companies will consider prior to approving an individual for coverage, as well as for determining how much in premium rate to charge that person.

All insurance companies will have negative marks on record and this should not be a big factor when determining which company to get your auto premium from.

States discourage insurance companies from using income and education as factors in the actuarial calculations used to set premiums, but most companies either ignore the state recommendations, or use surrogate indicators like geographic demographics to achieve the same effect.

After all, with so many factors that go into your car insurance premium, the cheapest company for someone else may not be the cheapest for you.

Here are the top factors that insurance companies consider when determining your car insurance premium.

Certain factors will be termed as risk by few companies which will be crucial in determining your premium rates.