They use a price guide (NADA, Bluebook, etc.). You can look these values up yourself online or at a library (maybe at your bank, too).
There are four insurance companies based in California. Accident and health insurance companies include Blue Shield of California and State Compensation Insurance Fund. Property and casualty insurance companies include Esurance and CoverHound.
Most car insurance companies base their premiums on the driver's safety record. This ensures the best possible rate for driver's who can demonstrate a safe driving history.
There are 256 insurance companies based in the state of Ohio. These 256 companies include American Share Insurance, Westfield Insurance, and Progressive Insurance Corporation.
There are a few car insurance companies that are based in the country of Canada. One of these is Allstate which is a branch of the US based company of the same name.
From the TN department of insurance website.
There are several car insurance companies based in India. Some of these include: United India Insurance, HDFC Ergo, TATA AIG, Bharti Axa, and Oriental Insurance.
Insurance coverage is based on "Risk" and vehical value. The more mileage you drive a year the more risk you are. The more Mileage on your car the less it is worth. 8000 miles is the average Urban resident mileage and that is what most people have their insurance based on.
One can purchase life insurance for seniors at almost any insurance-based companies. Some insurance companies that offer a such plan is American Family Insurance. They are based out of Wisconsin and have been in business for several years!
There are many different car insurance companies that operate nationwide. Many insurance companies have offices and headquarters in California. The California Insurance government website has information on Low Cost Programs.
Car insurance companies do not discriminate based on age, sex, or gender. Car insurance companies want to provide customers with the best options for a drivers individual car.
One can find information regarding car insurance from many companies. Sites like ConsumerReports, Investopedia, and local American state based sites all have information regarding car insurance and ratings on insurance companies.
I found a list of over 40 insurance companies based in Texas including State Farm, Allstate, Texas Farmers, Nationwide, Chub Lloyd and Texas Farm bureau