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Rates are based on risk factors

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By Staff Brunswick Beacon

To the editor:

The recent comments about increases in insurance rates have prompted this letter.

Insurance rates are based on risk factors primarily. If the chance you are going to have an accident is great, (see teenage drivers) your rate is higher because the chance of having to make a payment on your behalf is greater.

The rate is not spread over the entire age spectrum—if you are younger, you pay more.


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