Unlike car insurance quotes Ireland, in the United States the procedure for offering quotes is standardized and overseen through the Department of Insurance Industry. Car insurance quotes are based upon many factors just as car insurance quotes Ireland however the different regions that are driven in the United States require a broader set of rate setting guidelines. In the United States rates are established based not only on the age of a driver, the gender, and other statistical risk factors, they are also established on the areas where cars are driven. Rates are much higher in larger cities that have denser traffic and more volume of drivers during rush hour. Ireland auto insurance do not factor these variables into their statistical calculations because they have far fewer large cities with dense traffic.
Car Insurance in the United States also base their statistical calculations on a far larger population that that found in auto insurance in Ireland. In Ireland, the ratio of population to vehicles is much lower and there are many more rural roads in Ireland. In the U.S., rural areas have the lowest insurance rates because these are statistically where the fewest accidents take place.
Car insurance quotes Ireland are not based upon the age of drivers and do not contain calculations which allow for a lower rate if a student has taken a driving class or is married. In the United States taking a driving class provided by a major insurance carrier will lower the rate of young drivers. And, if they are married their insurance quotes will be even lower. In addition, car insurance in Ireland do not become lower if a young driver is a student who lives at home. In the United States however, when a student lives at home this plays a big part in the amount of the insurance quote.
Students living in the U.S. pay much larger rates than the insurance quotes Ireland produces. Many university age students in Ireland go abroad to study, while in the U.S. most students attend a university that is relatively close to their homes or somewhere in the U.S. When creating car insurance quotes Ireland does not use the statistical calculations that are relevant to students as we do in the United States. Car insurance quotes in the United States when compared to quotes in Ireland show a vast difference in the tools that are used to calculate the quotes and the methods used to collect statistical data.
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