Insurance -Introduction

Insurance

Insurance – in law and economics is a form of risk management primarily used to hedge against the risk of the contingent loss and insurance is defined as the equitable transfer of the risk of a potential loss from one entity to another entity, in exchange for a premium. Insurance in economics is the company that sells the insurance [premium]. Insurance rate is a factor used determines the amount, called the insurance premium, to be charged for a certain amount of [premium] insurance coverage risk management, the practice of apprising and controlling risk, has evolved as a discrete field of study and practice.

Most people complain about the cost of their insurance–hardly surprising, given that a typical policy costs at least several hundred dollars a year. Depending on your age, driving record, and other factors, your annual premium can be significantly more than that. So how can you lower your premium and save yourself money?

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