An Individual Driver Rating System Can Significantly Lower The ...

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An Individual Driver Rating System Can Significantly Lower The Cost Of Your Texas Car Insurance

Texas car insurance can range from basic liability to coverage that compensates for physical damage along with emergency towing and rental car assistance. The cost of a policy factors against a rating system based on both individual and community statistics that will determine your premiums.

These variables include both community rating formulas that determine risk in a certain portion of a city or county and individual driving and claims history that determines an individual's level of risk as an insured driver. Often these two standards of ratings come into conflict, causing an individual who is relatively low-risk to receive higher premiums based upon the general risk rating of his or her community.

If there a high number of accidents occur within in a particular city or region in Texas, car insurance rates for everyone will be proportionally higher in response to the greater likelihood of collision. Because Texas car insurance carriers often rely exclusively upon community ratings to determine premium costs, many customers feel that they are paying for other people's mistakes while their own driving record goes ignored.

Perhaps the greatest benefit an insurance agency can offer to anyone is the opportunity to obtain an individual rating that will lower cost without compromising the level of coverage.

This is by no means intended to say that such agencies are more "fair" than other organizations that rely more upon community statistics. Insurance from any agency or company is always offered with the best of intentions, so it is not a matter of someone being fair versus unfair, but rather a matter of time and sufficient manpower. Some Texas car insurance carriers simply do not have a staff that is large enough to offer calculated, safe driving discounts for individuals with outstanding driving history. Due to these limitations, they are forced by their own constraints to rely exclusively upon the community rating system to determine an individual's premium rates.

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Direct Auto Insurance Partners With MacDill AFB to Provide Training & Jobs for ...

12.09.11

TAMPA, Fla., Sept. 12, 2011 /PRNewswire via COMTEX/ -- Representatives from Direct Auto Insurance will be on site at MacDill Air Force Base on Wednesday, September 14 and Thursday, September 22 to meet with soldiers who are transitioning out of active military duty with the goal of providing paid training and employment opportunities for them in the insurance industry. The event will be held at the MacDill Airman & Family Readiness Center from 9:00am until 4:30pm and will be open to all military personnel, their spouses and their families through the Employment Assistance Program at the base.

Direct Auto Insurance will be interviewing soldiers for paid training opportunities in the insurance claims area including property damage and personal injury protection. No insurance or claims experience is required to participate in the program. The company, whose corporate headquarters is in Nashville, TN, operates claims centers in Florida and Texas.

Source: MarketWatch (press release)

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