Car insurance is no longer based on how well you know your insurance agent. Insurance companies can now say the statistics may have a high risk driver. Or “black box”, which now sets the amount to be paid to secure your car. car insurance, car insurance, auto insurance days before computers, auto insurance is a personal and subjective. The insurance agent actually talked the man whom I met at the headquarters, called in some favors, and are your best customers the best prices. Drivers men were charged much less. Young women are perceived as lower risk, it takes very menys.Ara in this computer age, auto insurance companies have large databases, records of accidents and claims. For numerical calculation of these records may know what kind of person is more likely to be a good driver and what kind of person is more likely to be an accident risk. Is it? Black Box? Technology provides an overview of the background and behavior of people who believe that they would pay more for car insurance. For example, people who carry minimum limits of liability are actually at greater risk than those who are at least / ($ per person, $ after an accident). And statistics show that people with bad credit ratings are more likely to see accidents.A involved in Texas, the minimum liability limit on auto insurance is /. Yep. $ Per person, $ random. Not much is it? And if it is not bad enough, the minimum property damage is $ . Guess who pays the difference if you’re in an accident is your fault? In most states, auto insurance regulated by the state. But this is only the beginning. Country tables use the “accident”, exhibitions and other magic words to justify what auto insurance companies want you to pay. At times, only to lose him, even to notify the national level to reduce the types of cars. If they are in your wallet! After the state sets the rate base, individual companies to negotiate with them to adjust their rates, in particular, indicating that either better or worse loss ratio than average. Therefore, after the election is over, the legislature did not allow exceptions, amendments, and approvals for the backups of anything like auto insurance companies can do a lot of money de.I there? S more. Most countries allow individual companies to implement their own rules to determine who the post. Therefore, auto insurance company rates a particular driver one way, but another company cost the same controller. Each company sets the standards for subscripció.Llavors, for example, auto insurance rates determined? First, the government is usually involved. Then roll between the companies, the dice remain competitive and profitable, because all they can for their shareholders. Finally, now that the “black box here, auto insurance companies are taking a closer look at each driver. Career, credit score, history, still lives in the city to help” drive “rates. They even found that those who select lower limits of liability greater risks than those who select higher limits. Therefore, increasing the liability limits, could actually reduce your auto insurance rates alone. technology “black box” of the new reduced rates up to% of the companies who do not. The bad news is, the credit score is important all auto insurance rating, the worse your credit score, the higher your car insurance go. No more ‘discounts’, no more credit’ regular customers, “and the like. undergarments will be evaluated in the group of drivers almost identical to you, and pay according to .