Reasons Behind Car Insurance Company Questions
pBy : Danny Aaron nbsp; From: nbsp;Article2008.com/p
pThe sign up process for a new car insurance policy can take a bit of time and deliberation. You will probably spend a fair amount of time filling in forms and speaking to people on the phone. It is important that you are in complete understanding of why the insurance companies ask you the questions they do. It is usually because they are trying to build up your risk profile. Your risk profile is based on a range of factors, all determined by your answers to their questions . br / br /One of the first questions you will be asked is where you live. Edit this text This is because the insurance company will be worried about whether or not your car will be at risk of being stolen. A good way to lower the theft risk of living in a high theft risk area is to ensure that your motor vehicle is kept in a locked garage or protected parking overnight. You also need to install a good alarm and security system on your vehicle, which increases the safety of your car. It is imperative that you do not lie to your insurance company about where your car is kept overnight. If your car is NOT kept in a protected parking space, and it is stolen, but you have made out that it is kept in a locked garage, then the insurance company is within full right not to pay out . br / br /The insurance company will ask your age. This is an important factor in their determination of your premium. Younger drivers are a far higher risk to insure because they do not have as much driving experience. Your gender is also an important determining factor for the insurance company. Women are far less of a risk as drivers than men, and will be awarded a lower premium. Unfortunately your age and gender are out of your control. br / br /The insurance company also asks what your marital status is. The fact is that single people usually have more active social lives than married people, and are therefore on the roads a lot more. br / br /Your insurance company will also naturally ask the make and model of your motor vehicle. A more expensive, newer vehicle will come with a higher premium than an older vehicle. This is because these vehicles are usually more expensive to repair and replace. The model of your vehicle also affects your premium depending on its theft risk and the make of vehicles previous association with collisions. br / br / Edit this text If you lie about any of your answers, the insurance company will most definitely find out when you are claiming and you risk not being paid out and being held for fraud. Edit this text /p
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