Comparing your insurance quotes online is equal to save you money. It is a well-known fact that your credit history or mottled driving records in case of your auto insurance affect the insurance premiums. However only few people understand that loss experience of an insurance company is one of greatest factor that determines how they will pay for the coverage. For instance, an insurance company that pays a large amount of homeowner insurance claim to an insured, affected by fire damage and catastrophic year of flood is also offered auto insurance coverage. In order to compensate for the losses occurred in their division of homeowner insurance, they raise premiums even for their customers of car insurance even if there were no accidents or they did not have tickets. Or they will merely increase insurance prices for the policyholders of house insurance in a different state.
Insurance is also commerce and similar to other businesses it has to also generate revenue. Usually monetary losses due to excessive insurance claim amount are transferred to the consumers in the form of higher insurance premiums. In cases wherein the insurance companies have a profitable year, they reduce the premium rate in order to attract more consumers and also increase the policyholders. This is the reason insurance rates fluctuate greatly in different companies. At present in this competitive industry the health and life insurance rate are very low. But some life and health insurance initially offer lower rates to gain customers and over time gradually rise this insurance rates. Therefore, to be on safer side you need to frequently evaluate your policy rates and compare them with the offerings of other insurance companies. Requesting for insurance quotes from various insurance companies can do this.
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