Rating an auto policy is extremely complicated and has become more and more so as the years have gone by. I remember a time we figured the rates by hand but this would be very difficult now. I represent some companies that have up to 45 rating classifications and many other factors that go into figuring the rates. I can use a comparative rating software and rate 15 companies for one policy in seconds now.
Many, many factors are involved in figuring auto insurance. I have one company that uses 44 different rating factors to calculate auto insurance. It used to be simply: driver age, married or single, zip code, vehicle information, deductibles, limits of liability, and that was about all.
Costs vary for insurance for your home and auto depending on a number of factors. For auto insurance, the value of your vehicle, length of time driving, and credit record are important factors. For home insurance, the value of your home and your credit rating will determine insurance costs.
Auto insurance prices for young drivers are based on many factors. Is the driver a male or female, does the driver have good grades, does the driver live in a city or out in a rural area. All of these are factors in determining insurance rates. For the lowest cost, a young driver would probably do best to try to get insurance through their parent's insurance bundle.
The auto insurance is an example of the Merit rating insurance.
Auto insurance rates depend on several factors, from your age to the type of car you are driving. An average amount for auto insurance in California would be between $2,000 and $3,000 per year.
Depends on the driver's age & driving record, location, model, vehicle age, coverage and insurance company, and other factors.
As long as you have auto insurance yes.
There are many factors to consider when rating an auto insurance policy and this forum is not a place to get such rates. Just a few of the rating factors are: age, year of vehicle, make, model, coverage desired, zip code, state, usage of the vehicle, tickets, accidents, claims, credit ratings, etc.
This just sounds like your insurance company classification codes. These codes don't mean anything to you or anyone else except for the insurance carrier. Sometimes people get too iinvolved in what their code means and does this number or that letter make their insurance higher. Driver Class 51 could mean 25-64 year old married male drivers. Every driver on your insurance policy has a class cose. It's just ways of grouping certain individuals based on factors where they are similiar. They are nothing to worry about and nothing you can do anything about.
By calling your insurance agent
no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes
You must be at least 16 and have a driver license to get auto insurance in Rhode Island