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| Insurance Companies Ask Questions |
 What Do You Do for a Living?
That what you do says a lot about how you drive, insurers keep detailed occupational data. A research by the Texas Public Insurance Council found 19 occupations that insurers associate with above-average risk, including social workers, professional athletes, musicians, military personnel and longshoremen.
Do You Have Any Roommates?
This is a common question asked by insurance companies when they're dealing with a single person who rents. The companies are trying to clear up if these people have roommates who might drive their car.
How Many Miles a Year Do You Drive?
The answer to this question will influence greatly on your rates. Insurance company Actuaries demonstrates that people who drive more than 7,500 miles a year, or more than about 30 miles to and from work each day, are more likely to get in accidents.
Have You Had Any Accidents or Moving Violations in the Past Five Years?
The insurance companies are trying to rate you for your driving history, and the penalties are stiff.
Speeding will cost you more than the ticket. "Speeding tickets to an Insurance company are an indicator of future accidents, "the insurance company might let one ticket slide, depending on how fast you were going. They would rather see someone going 80 mph in a 70 mph zone than someone going 55 mph in a 25 mph zone. Actuaries are human, each one has their own thinking process within their guide lines and is another big reason to get auto insurance quotes from as may different companies as possible.
Have You Made Other Damage Claims Other Than an Accident?
Insurance companies are increasingly searching for people who excessively make claims for glass breakage or other claims - theft - fire loss - vandalism - etc. on their car. They can find most every claim. A lot of insurance companies report to Equifax's CLUE (Comprehensive Loss Underwriting Exchange) service, which keeps a database of all claims.
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Insurance Companies Ask Questions