Pay-as-you-drive Auto Insurance PDF Download
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Author: Janet L. Kaminski Leduc
Publisher:
ISBN:
Category : Automobile insurance policies
Languages : en
Pages :
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Book Description
Discusses "pay-as-you-drive" auto insurance programs. Summarizes California's existing program.
Author: Janet L. Kaminski Leduc
Publisher:
ISBN:
Category : Automobile insurance policies
Languages : en
Pages :
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Book Description
Discusses "pay-as-you-drive" auto insurance programs. Summarizes California's existing program.
Author: Joseph G. Murphy
Publisher:
ISBN:
Category : Automobile insurance
Languages : en
Pages : 1
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Book Description
Author: Jason E. Bordoff
Publisher:
ISBN:
Category : Automobile insurance
Languages : en
Pages : 55
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Book Description
The current lump-sum pricing of auto insurance is inefficient and inequitable. Drivers who are similar in other respects--age, gender, location, driving safety record--pay nearly the same premiums if they drive five thousand or fifty thousand miles a year. Just as an all-you-can-eat restaurant encourages more eating, all-you-can-drive insurance pricing encourages more driving. That means more accidents, congestion, carbon emissions, local pollution, and dependence on oil. This pricing system is inequitable because low-mileage drivers subsidize insurance costs for high-mileage drivers, and low-income people drive fewer miles on average. In this discussion paper, we propose and evaluate a simple alternative: pay-as-you-drive (PAYD) auto insurance. If all motorists paid for accident insurance per mile rather than in a lump sum, they would have an extra incentive to drive less. We estimate driving would decline by 8 percent nationwide, netting society the equivalent of about 50 billion to 60 billion [dollars] a year by reducing driving-related harms. This driving reduction would reduce carbon dioxide emissions by 2 percent and oil consumption by about 4 percent. To put it in perspective, it would take a 1 [dollar]-per-gallon increase in the gasoline tax to achieve the same reduction in driving. Unlike an increase in the gas tax, PAYD would save most drivers money regardless of where they live. We estimate almost two-thirds of households would pay less for auto insurance, with each of those households saving an average of 270 [dollars] per car -- Abstract
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Book Description
Author: James Stuart
Publisher: Liraz Publishing
ISBN: 1311956573
Category : House & Home
Languages : en
Pages : 21
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Book Description
Here's How to Discover the Best Auto Insurance Quotes: Now you can save hundreds of dollars each year on your Auto insurance premiums through the strategies revealed in this book. It will help you discover exactly which auto insurance companies provide the best rates in your area plus tips and techniques to lower your premiums and get discounts. With this book you can shave hundreds of dollars off your current car insurance costs. Here's what you’ll discover when you read this book: * The single most important factor in getting a cheap auto insurance quote; ignore it and your chances of getting a better rate are near to zero. * How to get car insurance discounts and concessions. * Clever ideas and strategies for lowering your auto insurance premium. * 101 Great Auto Insurance Tips and Ideas If you're really interested in slashing a big chunk off of your car insurance costs you absolutely need to have this book.
Author: Rebecca K. Dennison
Publisher:
ISBN:
Category : Automobile insurance
Languages : en
Pages : 70
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Book Description
Author: Meir Liraz
Publisher: Liraz Publishing
ISBN: 130192119X
Category : Business & Economics
Languages : en
Pages : 30
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Book Description
Now you can save hundreds of dollars each year on your car insurance premiums through the strategies revealed in this book. It will help you discover exactly which car insurance companies provide the best rates in your area plus tips and techniques to lower your premiums and get discounts. With this book you can shave hundreds of dollars off your current car insurance costs. Here's what you’ll discover when you read this book: * The single most important factor in getting a cheap car insurance quote; ignore it and your chances of getting a better rate are near to zero. * What car insurance companies don't want you to know - a revealing look at how insurance companies determine your premium and how to take advantage of it. * The number one mistake made by car insurance seekers (that severely hamper their chances of getting a cheaper quote) - and how to avoid it. * What is hidden behind the questions that companies ask you on their car insurance application form; How to answer them so that you get a better quote. * Are you satisfied with your current agent and don't want to switch insurers? we will show you a simple trick that will practically "force" your agent to reduce your rate. * How to get car insurance discounts and concessions. * Clever ideas and strategies for lowering your auto insurance premium. If you're really interested in slashing a big chunk off of your car insurance costs you absolutely need to have this book.
Author: Ed Boylan
Publisher: Universal-Publishers
ISBN: 9781581128093
Category : Business & Economics
Languages : en
Pages : 118
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Book Description
Automobile Insurance Made Simple is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance. The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages. This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey! The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.
Author:
Publisher:
ISBN:
Category : Automobile insurance
Languages : en
Pages : 24
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Book Description
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 64
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Book Description
Under Pay as You Drive insurance (PAYD), drivers would pay part of their automobile insurance premium as a per-gallon surcharge every time they filled their gas tank. By transfering a portion of the cost of owning a vehicle from a fixed cost to a variable cost, PAYD would discourage driving. PAYD has been proposed recently in California as a means of reforming how auto insurance is provided. PAYD proponents claim that, by forcing drivers to purchase at least part of their insurance every time they refuel their car, PAYD would reduce or eliminate the need for uninsured motorist coverage. Some versions of PAYD proposed in California have been combined with a no-fault insurance system, with the intention of further reducing premiums for the average driver. Other states have proposed PAYD systems that would base insurance premiums on annual miles driven. In this report we discuss some of the qualitative issues surrounding adoption of PAYD and other policies that would convert other fixed costs of driving (vehicle registration, safety/emission control system inspection, and driver license renewal) to variable costs. We examine the effects of these policies on two sets of objectives: objectives related to auto insurance reform, and those related to reducing fuel consumption, CO2 emissions, and vehicle miles traveled. We pay particular attention to the first objective, insurance reform, since this has generated the most interest in PAYD to date, at least at the state level.
