free auto insurance quotes utahVehicles that are commonly considered luxury automobiles usually carry more expensive physical damage premiums because they are more expensive to replace. Vehicles that can be classified as high performance autos will carry higher premiums generally because there is greater opportunity for risky driving behavior. Motorcycle insurance may carry lower property damage premiums because the risk of damage to other vehicles is minimal, yet have higher liability or personal injury premiums, because motorcycle riders face different physical risks while on the road. Risk classification on automobiles also takes into account the statistical analysis of reported theft, accidents, and mechanical malfunction on every given year, make, and model of auto. Cents Per Mile Now 1986 advocates classified odometer mile rates, a type of usage based insurance. After the company's risk factors have been applied, and the customer has accepted the per mile rate offered, then customers buy prepaid miles of insurance protection as needed, like buying gallons of gasoline litres of petrol. Read More
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