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The price of auto insurance may vary depending on the amount and type of coverage purchased; the make and model of the car; and the insured's driving record, years of driving and the number of miles the car is driven per year. Other factors taken into account include the driver's age and gender, where the car is most likely to be driven and the times of day - rush hour in an urban neighborhood or leisure time driving in rural areas, for example. Some insurance programs may also use credit history related information.
A premium is the price an insurance company charges for coverage, based on the frequency and cost of potential accidents, theft and other losses.
The amount of loss paid by the policyholder. Either a specified dollar amount, a percentage of the claim amount, or a specified amount of time that must elapse before benefits are paid. The bigger the deductible, the lower the premium charged for the same coverage.
Any retribution you might receive from a claim is given after subtracting the amount of the deductible as dictated by your policy.
Some of the discounts available through Empower include the following:
An endorsement is a written form attached to an insurance policy that alters the policy's coverage, terms, or conditions. Sometimes called a rider.