beyond the insurance score

2016 08 10 Grouptablet Beyondinsurancescore

Alright, so you've got your insurance score, but it's not the sole deciding factor on your rate. Here's a rundown of everything else Say considers when determining your premium:

The year, make and model of your vehicle

  • Typically newer and/or fancier cars are more expensive to repair or replace
  • Cars that perform well in safety tests may lower your rate versus cars that don’t

Your driver-to-vehicle ratio

  • We figure if two or more people share a car, then more miles will be driven, increasing the chance of accidents and moving violations
  • If you own multiple cars, you split the drive time (and divide the risk) among them, meaning each car has less chance of getting into an accident or moving violation

Your age

  • Drivers younger than 25 or older than 65 are considered more risky than those in between    

Your gender

  • For certain age ranges, men consistently demonstrate higher claims costs than women

Your marital status

  • Married couples are shown to have fewer accidents than single drivers

Your level of coverage, including your limit amounts and deductible

  • The more you agree to pay out of pocket on a potential claim, the less an insurance company puts on the line for any repairs or replacements

The driving records of each driver on the policy

  • The more claims or violations a person has, the more likely they are to have a claim in the near future

How long you've been a member of Say Insurance

  • The longer a customer stays with Say, the more accurately we can match the rate with actual risk

We also factor in discounts(!), which you can get for:

  • Completing an approved accident prevention course
  • Receiving your policy documents electronically
  • Choosing to pay in full, in advance
  • Having an approved anti-theft device

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