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Q: Which of these would not cause your insurance rates to be higher?
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What wouldn't cause your insurance rates to be higher?

Filing no claims on your insurance will not raise your rates. Your insurance agent would just as soon never hear from you except when you pay your premium.


How can I get car insurance if I don't own a car?

Why would you ask such a question? Added: If you LEASE a car - tell the insurance agent, there are different rates (usually higher) for leased vehicles.


Would rasing the driving age reduced the number of cars accidents and deaths in New Zealand?

insurance rates would be lower insurance rates would be lower


Is it possible to get life insurance with no exam?

There are many Insurance Companies that will offer life insurance policies without a medical exam. However, the rates will most likely be higher than you would pay for a life insurance policy from an insurer requiring a physical exam.


Will a bankruptcy affect your auto insurance rates?

I don't actually work for an insurance company, but I do know that credit can affect your rates (bad credit = worse rates). Insurance, after all, bases its life on risk: the riskier they think you are as a client, the higher your rates. Credit is the same way, so it only makes sense that a bankruptcy would increase your auto insurance rates. Yes, bankruptcy will affect your insurance rates. I have Erie insurance and my rates did go up quite a bit. My home insurance more than my auto insurance. I had only filed one claim on my home insurance in 27 years and never late in payment and yet my rated jumped almost $200. I was told this was because of the bankruptcy. I recommend you this site where you can compare quotes from different companies: insureinfo.us


Are auto insurance companies in Canada allowed to raise rates because of an accident?

Yes they are, and the majority of time that is when they will raise rates, especially when you are at fault. If you were at-fault for the accident and had to make a insurance claim, then your rates will definitely increase, since you are a higher risk driver, and the insurance company had to pay out because of you. If you are in an accident that you were not at fault, then your rates should not increase but they might. Some companies again see this as you being a higher risk driver since you were in a accident, even if it wasn't your fault, so they will raise the rates. If this happens, I recommend switching insurance companies, as a good company should not do this. In either case your rates will not increase until your insurance is up for renewal. At which point, if they do increase I would recommend looking around and comparing prices from other companies


Is a life insurance policy valid is taken out as a nonsmoker then resume back to smoking?

It usually would be invalid. Smoking is generally a clause for acceptance of the insurance. A smoker would pay higher rates for the insurance. So claiming to be a nonsmoker to get insurance and then smoking would be a type of fraud. Thus negating the policy and forfeiting all premiums payed.


Can you still get vehicle insurance if you have really bad credit?

Yes you can, however the insurance company would likely want a larger amount down. You may also find your rates to be higher then those with good credit and the insurance companies will to insure you to be less.


Where can one get rates for auto insurance companies?

There are many places where you can get rates for auto insurance companies. The best place to check would be the websites called DMV. They have a wide range of rates.


Would the type of house I live in affect my insurance rates?

Yes. The type of house you live in, along with your income, will affect your insurance rates tremendously.


Which of these groups of drivers would have the highest insurance rates?

Teenagers


Where can one get the best insurance rates?

There are many places where one would be able to get great insurance rates online. Some examples would be GEICO, AAA, Progressive, and Liberty Mutual.