Re: [DML] Re: insurance questions

[Rod Dillman <rhdillman@xxxxxxxxx>]

Good comments on factors which influence insurance rates. One other influence is credit rating.

Dave Swingle <swingle@xxxxxxxxxxx> wrote:A note on the semi-annual insurance threads - the most important 
factors on insurance (when comparing approximately the same car and 
the same coverage) are your driving record, age and where you live. 
These can cause differences in the hundreds of percents. If you don't 
mention these three things, comparisons and discussions are 
completely meaningless. 

A 21-year-old with chargeable accidents living in Chicago can pay 10 
times the amount of a 50 year-old with a clean record living in Iowa, 
on the same car for the same coverage. 

If you raise your comprehensive deductible that has a huge impact on 
the cost too. Be sure to include the coverage amount, for example one 
person may carry 100K liability and another $1M. They won'e be paying 
the same. 

Dave S

--- In dmcnews@xxxxxxxxxxxxxxx, "sebastain_valmont" 
wrote:
> Hi.
> I know this has been covered before, but I searched and nothing 
came 
> up when I searched for "insurance"
> 
> I just got my Hagerty renewal in the mail today.
> And my premium used to be $340 for the year, full coverage, $18K 
> agreed coverage.
> 
> Now my premium has been raised to $649.
> I called them to complain about it, but it's because I've under 26 
> years old, and "to provide the best possible coverage to the 




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