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Rodney Said:

How do I calculate what should be charged as an insurance premium?

We Answered:

Well, there are about 15 major factors that go into each quote. The rating books I've seen, are typically 80 to 100 pages. Each company has their own rates, which are on file with the state insurance department.

It's practically impossible to set up a simple excel worksheet to calculate this, without ALL the other factors

Harold Said:

What percentage does your car insurance premium drop when you get married?

We Answered:

There is no set percentage of a drop due to marriage.

Insurance varies by state and also by company. Each insurance company must be compliant with the state's laws, regulations, and rates.

SO all in all with that said...... the best way to find out is to call your current insurance company and ask for a quote when you are married.

The company that I work for, only gives discounts to a youthful (someone under 25 y/o) that is married.

Also for the HO insurance question- it really depends on the sq footage of the home, materials which the home is made from, along with the location (state, county....), year home was built and so on.

Travis Said:

What is the distinction of life insurance premium and proceeds?

We Answered:

Life insurance proceeds is just a fancy way to mean "lump sum to be paid up on the insured's death"

When you take up a Life Insurance it is like when you buy a sandwich.
You choose what to put in it, you ask for it, they'll give it to you and then you pay for it, then you consume it.

Life insurance is the same: you choose what terms you like, (eg: Protection policies, Investment policies ) you then ask for it, they'll come up with a contract and a price, you sign the contract which will specify what "proceeds"(how much money) will go to the beneficiary and what the premium will be (how much you pay).
You then pay up a specified amount known as a premium at fixed intervals or in lump . Try this site to find the best life insurance

http://best-life-insurance-usa.blogspot.com/

Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable life insurance with a reliable company.

Jeanne Said:

Will insurance premium be affected if non covered driver gets a stop sign ticket?

We Answered:

Tickets only follow the driver. Accidents can follow the driver and registered owner. Your friends policy will be fine.

Darren Said:

Will my insurance premium increase with no fault accidents?

We Answered:

Anytime you report a claim to your carrier--whether you are at fault or not you run the risk of having your premium rise. Ask Geico if your rates are gonna rise--they can tell you. Chances are they won't, but you never know.

Marion Said:

how much does an insurance premium cost a month?

We Answered:

Different companies charge different amounts. It will also depend on how your health is, if you smoke, if you are over weight, etc. Start calling insurance agencies and ask for quotes. That is the only way to know who is going to be the cheapest.