InsuranceAgents.com teaches consumers to identify insurance risk level and predict insurance costs.
Chicago, IL (1888PressRelease) January 21, 2010 - Everyone needs some type of insurance, whether its auto, health, home, or life. It's important to be financially secure and protected, but the added bills and payments towards insurance make some people neglect to purchase a beneficial policy at all. The reason insurance can get pricey, however, is due to each person's risk level. To find the most affordable insurance policies, people need to know what exactly their own risk level is so they can work to improve it.
"[You] represents an insurance risk level to companies, and the factors that go into determining how much risk you represent-controllable or not-will shape your insurance quotes," states a new article from InsuranceAgents.com, 'Insurance Risk Level: How It Works.'
Any number of different factors and issues will come into play when determining a client's insurance risk level, and it varies among companies.
But there is a general consensus that the following are the most common-and controllable-risk factors:
• Auto: When it comes to auto insurance, a person's driving history/record, their credit score, age and car make/model all factor in to determining the premium.
• Health: A person's age, lifestyle, and medical history are the holy trinity of major influential health insurance factors.
• Home: The neighborhood's crime rate, the home's safety precautions against fire and theft, as well as the age/condition of the home property are the major risk factors a homeowner can control to reduce homeowners insurance rates.
• Life: Like health insurance, life insurance rates are determined by the policyholder's age, health/medical history and lifestyle.
To find out what other factors affect insurance risk levels, as well as what can be done to reduce them, talk to a local insurance agent. To get in touch with an agent and receive free quotes, visit www.InsuranceAgents.com.
InsuranceAgents.com teaches consumers to identify insurance risk level and predict insurance costs. 
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