Any Insurance Questions?

[Alex8181]

Im planning on writing an article about automobile insurance. Of course, I can't be too specific because there are several differences between states and companies, but I can help with any general information. I am in the insurance industry and previously held insurance licenses in over 20 states, I have reduced it to a more manageable 11 states. Here are a few of the questions that I plan on providing more information for. If you have any other questions feel free to ask it and I will include it in the article if I can answer it.

-What are some reasons that insurance companies use as rating factors?
-How are tickets and accidents rated on an insurance policy?
-How can I lower insurance premiums?
-How do I choose coverage amounts and limits?