Republic of uzbekistan andijan machine-building institute fundamentals of business management

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purpose: Factors influencing the prices of auto insurance 
Car Insurance Prices Car insurance is expensive. You should use this money carefully and 
sparingly. It is very important to choose the most suitable insurances for your insurance contract. 
Insurance rate 
Different companies use different factors to determine the price of car insurance. These 
factors include: 

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• Your age and other characteristics, such as number of incidents, marital status, education 
level and creditworthiness 
• What you use the car for 
• The distance you travel every year 
• The type and price of your car 
• The community you live in 
• Coverage and account books 
Drivers who have more accidents than others will pay more than others. Prices are determined 
based on age, marital status, driving experience, and academic level. The lowest rates are the best 
risk of an accident. protected for at least the possibility of If the driver in the family is under the 
age of 25, the insurance cost is usually higher than if all the drivers are over the age of 25. The 
purpose for which a car is driven and the number of miles it drives in a year affects the insurance 
rates. Cars that are used for work purposes are usually driven more kilometers in a year than a car 
that is used for pleasure. This increases the probability that the incident occurred. The value of 
your car has a significant impact on the cost of insurance. Collision coverage and comprehensive 
physical damage coverage pay only $11,000 if the car is destroyed or stolen, the insurance runs 
the risk of paying more. The type of car also affects the speed. a luxury car or sports car drivers 
give high rates. Car insurance prices are determined differently in the states. They vary from city 
to city in different states. The number of people in the current area and the number of accidents in 
the area affect the insurance coverage. Insurance companies collect statistical data in this area. 
They build their statistics based on this data. 000 if a car is destroyed or stolen, the insurance runs 
the risk of paying more. The type of car also affects the speed. a luxury car or sports car drivers 
give high rates. Car insurance prices are determined differently in the states. They vary from city 
to city in different states. The number of people in the current area and the number of accidents in 
the area affect the insurance coverage. Insurance companies collect statistical data in this area. 
They build their statistics based on this data. 000 if a car is destroyed or stolen, the insurance runs 
the risk of paying more. The type of car also affects the speed. a luxury car or sports car drivers 
give high rates. Car insurance prices are determined differently in the states. They vary from city 
to city in different states. The number of people in the current area and the number of accidents in 
the area affect the insurance coverage. Insurance companies collect statistical data in this area. 
They build their statistics based on this data. Car insurance prices are determined differently in the 
states. They vary from city to city in different states. The number of people in the current area and 
the number of accidents in the area affect the insurance coverage. Insurance companies collect 
statistical data in this area. They build their statistics based on this data. Car insurance prices are 
determined differently in the states. They vary from city to city in different states. The number of 
people in the current area and the number of accidents in the area affect the insurance coverage. 
Insurance companies collect statistical data in this area. They build their statistics based on this 
data. 
The cost of your car insurance varies according to the coverage you have and the freedom you 
choose. If you raise more coverage, the higher the cost. Lower the price of car insurance. 
Planning carefully when shopping for car insurance can help you save some money. Most 
insurance companies place some restrictions on young drivers if they have completed their training 
courses. Companies in some states also look at the grades of students who have completed the 
course. 
Choosing a company Car insurance premiums vary from company to company. Don't forget to 
compare prices. Companies can give discounts if a family or more than one car or other type of 
insurance is insured by this company. Monthly payments can be more expensive than monthly 
payments. Built-in risk planning The level of obtaining modern car insurance such as the level of 
drivers is not very good. For this reason, each state has its own risk management department. Each 
car insurance company in our state is assigned a certain number of high-risk drivers based on the 
amount of insurance each company sells. Every company should insure a fair share of high risk 
drivers. Drivers in high risk categories pay much higher. Insurance for other vehicles Insurance for 
motorcycles, recreational vehicles and snowmobiles is the same as for cars. Bodily injury liability, 
property damage The most important types of liability, collision and comprehensive physical 
damage insurance. The size and value of a car's engine is an important factor in determining the 
price. In general, the higher, the bigger and more expensive the car insurance value. Work with a 

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team The most important types of collision and complex physical damage insurance. The size and 
value of a car's engine is an important factor in determining the price. In general, the higher, the 
bigger and more expensive the car insurance value. Work with a team The most important types 
of collision and complex physical damage insurance. The size and value of a car's engine is an 
important factor in determining the price. In general, the higher, the bigger and more expensive 
the car insurance value. Work with a team 
Car insurance can be expensive, but it's important. Work as a team to make a list of what options 
a car owner has for low-cost car insurance. Discuss how insurance companies inform you about 
low-cost offers and discounts. What are the most dangerous hazards that can harm your hive? 

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Home and personal property insurance 
Dangers that can damage your home 
• Fire, lightning 
• Flood, flood 
• Explosion Coup 
or in society 
unrest 
• Operation 
• Cars 
• Flow of water 
• Freezing 
• Smoke 
• Disorderly or criminal 
children 
• Theft 
• Breaking windows 
• Volcanic eruption 
• Falling items 
• 
Failure of heating 
devices or system 
• Ice, snow ormigration 
of rainy snow 
Damage caused by steam 
or electric current 
Homeowners' insurance contracts 
There are different types of insurance contracts. Each of them covers damages in one 
of the above-mentioned events. 
HO-3 
Special Form (All Risks) 
Of all the above disasters, and other 
disasters besides them, flood, war, 
covers earthquakes and radioactive 
events. 
HO-4 
Form of personal property 
Above, it covers damage to personal 
belongings from disasters. 
HO-5 
Common forms 
Buildings from disasters in HO-3 and their 
compensates for the damage caused to the 
contents 
HO-6 
Joint ownership forms 
Covers the insurance of joint owners 
HO-7 
Forms of rural houses 
Insurance covering industrial houses and 
equipment on agricultural farms 
Other main reasons include: personal affordability, making medical payments, cost of living in 
the place based on home insurance. 
Notice: In the past, HO-1, HO-2 and HO-7 issued insurance tariffs. Currently, the services of these 
tariffs are not provided. All forms of homeowners policy cover the risks listed above in Figure 20-
2. Special form and comprehensive form of policy have become the most common types of home 
insurance. Unless the policy is excluded from these rules, insurance against most perils. Starting 
with this, like any other home insurance policy: special situations such as owners and landlords
for 
intended. 
Personal liability coverage includes all forms of homeowners policies. With a homeowners policy, 
you are protected as you would be if you got several separate policies.