Why do righteous drivers procure better coup¨¦ insurance rates than desperate drivers?

It's not fair. Some people are genetically predisposed to be fruitless drivers or just don't care. Why should they be charged more than drivers who do not assist in risky behavior?
Answers:
For the same reason vivacity insurance gets higher the elder you get. I,,m 70 years old-Want to sell me a million dollar policy?
simple, desperate drivers cuz more crashes and damage more stuff for which the insurance company will have to pay cheque for and then the insurance company loses money, but good drives tend to stay out of crashes and accident more than bad drivers and thus the insurance company doesnt have to spend as much money of the fitting drivers so they dont pay as much as the bad drivers........this really is a stupid ask that could be answered with just for a time common sense.
Your kidding, right?? I'll bet I know why you ask. R~<><
Because they are less risk, which translates to less fortune that the insurance company will have to pay out on the policy.

Let me put it to you this style. you have two friends. and you tell them If you furnish me money every year, I will pay for a new Bike if your get stolen.

The one guy takes his bike inside every night, and other locks it in a rack that is contained by front of a police station.

The other leaves it out at night and never locks it. The bikes are worth $100, how much would you charge them, and who would you want more money from up front?
Simple. Because unpromising drivers cost the insurance company more money in paying for claims. Driving bad is 99% a choice...not a predisposition. Source(s): .
You're right; these drivers are clearly being victimized by the capitalist pig insurance companies. I think Obama should institute a program of federally-funded entitlements for these poor victims of the profit-driven Big Insurance companies.
He who plays hard, pays hard.
Because we are smaller quantity of a risk and the Insurance company gets to keep the money we salary.
Bad drivers cost the Insurance company when they have accidents.
I don't know where your going near this... Is this a parody or something?

Anyway, its all give or take a few risk. The less risk you pose for loss the better investment you are for the insurance company.

Same with interest rates. The better your credit ranking, the better chance you will not default on a loan. So you bring a better interest rate.

They are looking for the best bet for their money.
This have got to be a joke.

If I pilfer caution to drive defensively and not to get any tickets or into any accident, you think that I should pay duplicate rate as some *** that doesn't?

I'm still laughing.
It seem a not easy cracking nut,look around here http://www.Autoinsurancepro.info/auto-insurance-free.htm ,you should find something helpful.
Could it be possible that insurance companies are "For Profit" organization? Nah, I guess that would be too simple!
profit
Because explicitly fair if you do things that will hurt you and kill others you should reimburse more. DUI and DWI.
Higher risk = higher rates.
Same go if you have cedar shingles on your house
Greater fire risk= greater rates
That's why we should have profiling at the airport
Are you a middle eastern looking entity
Most terroist acts have be committed by middle eastern looking men = greater risk
Really, what IS your IQ?
Because all insurance is based on risk, the chance that the company will be paying claims (and thus losing money).

And I've never heard of a genetic predisposition toward bad driving.


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