S. There is no charge for additional children age 20 or younger. 3%. An AHP is one avenue for small business owners and sole proprietors. Saturday 9:00am - 5:00pm. 84%. By Ryan Brady. That’s why younger drivers pay higher premiums. k. By state, New York has the most, with 577 native companies, followed by Florida (437), Texas. Top Life Insurance Statistics. (National Health Statistics Reports, 2022) In September of 2022, 65 million adults had Medicare insurance. by Direct Premium Written Insurance Group Direct Premium Written* % of Total Premium UNITEDHEALTH GRP $194,086,368,828 %6. Best. Group insurance is coverage issued to a group of members as part of an employee benefits package, rather than insurance you purchase on your own. 7 billion business in 2017, up from $162. Hate groups had risen to a historic high of 1,021 in 2018, said the law center, which tracks racism, xenophobia and far right militias. 0 60PS ASG auto 3d. 2% from 10. Group life insurance is a type of life insurance offered by employers and other large-scale entities, which can include associations or labor organizations, for example. . 3%. RMW R1200GS (Adventure bike) – Group 14. In 2020, there were more than 9,000 insurance companies operating in Europe. In a Medicare Advantage plan, you can pay $225-$375 a day for each day in the hospital. Group/company Direct premiums written (1) Market share (2) 1: Chubb Ltd. By Regulatory News. There are two primary categories of life insurance: term and permanent. Aviva International Insurance Limited X - Aviva Investors Pensions Limited -X Aviva Life & Pensions UK Limited -X Avon Insurance Plc X - AXA Insurance UK Plc X - AXA PPP Healthcare Limited X - B & C E Insurance Limited X - B M Friendly Society -X B S Friendly Society -X BA (GI) Limited X - BAI (Run-off) Limited -X Baloise Insurance Ltd X -What are insurance groups? Insurance groups are used by insurance providers as a guideline to work out the cost of premiums offered to customers. 5 2 Ping An Insurance China: 118. The largest health insurance companies by membership are Kaiser Permanente, Anthem, HCSC (Blue Cross Blue Shield), UnitedHealth Group and Centene. 1Life Individual Market Share by Distribution Channel, 2013 and 2022. AHIP advocates for public policies that expand access to affordable health care coverage to all Americans through a competitive. S. dollars) Premium Statistic. Insurance groups are a way of determining the cost of insuring a vehicle. Previous research based on national surveys has found geographic variation in insurance coverage in the United States by urbanization level, state Medicaid expansion status, region, and state (4–6). S. That decline occurred for both full-time, year-round workers and less than full-time, year-round workers. Key Details: The uninsured rate dropped in 2021, reversing an upward climb from 2017 to 2019. Market share of leading life insurance groups in Ireland 2017; Life insurance and pensions annual premiums in Ireland 2012-2019, by business channel; Life and non-life insurance: gross premium. There are more than 50 groups in the system, and every vehicle registered in the UK is assigned to one of them. These groups are determined by the Insurance Services Office (ISO) and are used to help insurance. 43%. When looking at life insurance providers we are in the range of 30 to 35 companies. Suzuki GSX-R1000 (Superbike) – Group 17. See our list of car insurance companies, including the nation’s top 10 largest auto insurers. In the list below, we explore the largest physician groups based on the number of physicians and total Medicare charges. How many car insurance groups are there? Currently vehicle groupings are on a one to 50 scale, where one is low risk and 50 is high risk. a. (1) Includes brokers, broker-dealers, personal producing general agents and registered investment advisers. UnitedHealth Group United States: 201. 8-litre engine on the other hand is in group 50. How many insurance agents are in the US? There were about 1. In 2018, 28% of Millennials said they. There are 50 car insurance groups, and insurers place cars into one of these groups depending on their size, value, and the cost of repairs. The national average cost for car insurance is $1,601 annually for full coverage. How many insurance groups are there for cars? What are car insurance groups? Car insurance groups are one of the ways car insurance companies work out insurance premiums. July 01, 2020. 5% without coverage, those surveyed were aged 18 to 64. Rather than shifting a company’s risk to a third-party insurer, the company has chosen to retain the. There is no charge for additional children age 20 or younger. Group health insurance plans are one of the major. Insurance, generally, is a contract in which the insurer agrees to. S. As of September 2022, there. There are 50 insurance groups, with Group 1 being the cheapest to insure and Group 50 being the most expensive. together allows the higher costs of the less healthy to be offset by the relatively lower costs of the healthy, either in a plan overall or within a premium rating category. PGC has been writing automobile insurance in many states throughout the country for over 50 years. The full 2021 Market Share Reports for. com USAA Insurance Group: 26,828,296: 3. Cars in insurance group 7 are among the cheapest cars to insure on the market. However, adult children ages 21 to 25 who are covered on a family plan are charged the adult rate, regardless of how many dependent children in the family. S. Shared Limits of Insurance Coverage. The uninsured rate in 2021 declined to 10. 8 million people in 2021, according to the U. Our health insurance products include medical, pharmacy, dental, behavioral health. 6 billion: Chubb (CB) $24. 92 METROPOLITAN GRP $105,613,490,773 %3. Term life insurance lasts for a set timeframe (usually 10 to 30 years), making it a more affordable option, while permanent life insurance lasts your entire lifetime. This Top 100 U. With previously unknown levels of broad-based prosperity came more and new insurance opportunities. 2%), followed by Hispanic or Latino (15. In 2021, UnitedHealth Group Inc was the market leader and had a 15. You'll be able to get coverage even if you're not working if you have a membership because group plans are based on being a. LTC policies cover the cost of certain types of chronic care. Conversely, a group 8 car with a poor security score will be moved up to group 9, and rated as 9D. , Aug 22, 2023. In 2019, the percentage of people with employer-provided coverage at the time of interview was. This number includes all age groups, but nonelderly adults have the highest uninsured rate. U. In this guide, we'll. $120,581,077 has been spent lobbying in the Insurance industry in 2023, so far. NOV. Group 50. Avon Insurance Plc X - AXA Insurance UK Plc X - AXA PPP Healthcare Limited X - B & C E Insurance Limited X - B M Friendly Society -X B S Friendly Society -X BA (GI) Limited X - BAI (Run-off) Limited -X Baloise Insurance Ltd X - Bar Mutual Indemnity Fund Limited -X BAWA Healthcare and Leisure X - Baynes Friendly Society -X Beaufort Insurance. 3% of the total population. Insurance group. S. 4% of health insurance agents are women, while 28. There are 50 different car insurance groups—also known as insurance bands. A. California health insurance was a $183. For Life Insurance Business there are 24 companies recognised by IRDA, similarly for non-life insurance 34 companies got the approval from IRDA. Car insurance groups are a way of categorizing cars into different groups based on their level of risk. In total there are 50 insurance groups rated from 1 to 50, with 1 being the cheapest and 50 the most expensive. There are 50 car insurance groups and generally, the lower the number the cheaper the insurance. Find the best [category] This list of car insurance companies covers the top 25 providers by size with annual cost averages, as well as a deeper analysis of the top 10 insurance companies. Premium income of major life insurance companies in Japan FY 2020-2022. Bronze: covers 60% on average of your medical costs; you pay 40%. The insurance industry of India has 57 insurance companies 24 are in the life insurance business, while 34 are non-life insurers. 1 In addition, fewer people are forgoing health care because of cost or reporting high out-of-pocket. Typical motorcycle insurance groups. The cars that fall in this group tend to have a higher market value and cost a lot to repair. Insurance Groups - Find your car insurance quotes here and start saving big today on your insurance policy. The lowest car insurance group generally offers the cheapest car insurance premiums. Another type is the Surgical DRG, which is used to group patients based on the surgical procedures they receive. And you need both in life. Each of your employees or group members also has the. Vehicles that are placed in lower groups are cheaper to insure on an annual basis, while those placed in the higher groups will cost more. 2 billion: Farmers Insurance Group: $20. 0 insurers per state in 2021, up from a low of 3. 6. ALEXANDRIA, VA, August 8, 2022—The independent agency channel places 62% of all property-casualty insurance written in the U. What is the cheapest UK car insurance group? The lowest insurance group a car can be placed in - and thus the cheapest - is insurance group 1. Cars that are costly to repair or are at a high risk of theft will have a higher insurance group number. • In 2019, 9. How many Insurance Companies are there in India? 24; 34; 57; 47;How many employees must be enrolled in group disability insurance? Like many insurance plan details, it depends on what the insurance company offering the coverage will allow. Online support groups can be useful when it’s not possible to meet in person. The average health insurance agent age is 46 years old. Term life insurance: This type of policy covers a specified term, typically 10, 20, or 30 years. this optimistic view is consistent across different age groups. Includes property/casualty, life/annuities, health, fraternal, title, risk retention groups and "other". Group Director - LATAM – Contact (Latin America) Email. If you purchase individual term life insurance, you get to choose the payout amount and policy term. These companies offered a vast array of insurance products, including life insurance, property and casualty insurance, health insurance, and several other specialized policies. So, insurance group 14 cars are mid-range when it comes to insurance costs. 5% are men. Net premiums written for the sector totaled $635. For instance, you may have a $20 copay for each office visit. To that end, this paper estimates how many non-elderly people in different income groups held Marketplace coverage, off-Marketplace coverage that qualifies as minimum essential coverage (MEC. The average worker is responsible for less than a third of their monthly insurance cost. Businesses with 50 or more full-time equivalent (FTE) employees are required to offer health insurance coverage to their full-time employees (30+ hours per week) or they risk a penalty. S. A policy that guarantees income replacement is optimal. Large general insurer groups include: Insurance Australia Group (IAG) markets its products under brands including NRMA, RACV, SGIO, and CGU. It. What are car insurance groups? Im a provisional driver and ive seen a 2004 Vauxhall Corsa. The health insurance industry continued its tremendous growth trend, but it experienced a significant (41%) decrease in net earnings to $19 billion and a Cdecrease in the profit margin to % in 202. How Are Car. At 13. RRGs allow businesses with similar insurance needs to pool their risks and form an insurance company that they operate under state regulated guidelines. The bands are set so cars in group 1 will have the cheapest premiums, while cars in group 50 will be the most expensive. Often, this insurance is. 2 billion Travelers Group (TRV) $28. Between 2018 and 2020, the rate of public health insurance coverage increased by 0. 5/5. In 2018 there were 18. How many cur insurance groups are there? Prior to 2010, insurance groups ranged between 1-20, with the lowest being the cheapest to repair and insure. See full list on blog. Find the most up-to-date statistics and facts on car insurance in the U. According to the Census Bureaus 2011 Current Population Survey (CPS), there were 49. Life Insurance Lines. There are several insurance types that are required to live in France, such as civil liability (CL) insurance, home insurance, and public health insurance. According to LIMRA’s 2021 Insurance Barometer Study, there has been a substantial consumer shift in favor of online life insurance shopping and purchasing because. To be eligible for small group health insurance, a. (Source: ACLI) The average face value of policies does fluctuate year-on-year, but there’s a slow and steady growth trend. To qualify for a tax credit of up to 50% of premium expenses for any two years, small business owners must pay at least half of employees’ healthcare premiums and have fewer than 25 full-time-equivalent employees who earn an average of $50,000 or less per year. Among the companies that are still active in Florida are the following: Stillwater Insurance Group. Group 1-5: Citroen C1, Toyota Aygo, VW Polo, Mini One, etc Group 6-10: Citroen C3, Ford Fiesta, Renault. If you’ve ever enrolled in health, dental, vision, or other insurance coverage through your work, then you’re familiar with the concept of group insurance. Related: Best first cars for new drivers Premiums on cars falling in insurance groups 11-20 are still affordable but slightly higher than cars in 1-10. 9: 6: Athene Holding Ltd. Largest insurance groups in France. As of July 01, 2020, 48 IAIGs have been identified by relevant group-wide supervisors from 16 jurisdictions. 0 SE is in the lowest group (1). This article will focus on understanding how many health insurance companies in the US operate in this broad, yet lucrative field of insurance. Many insurance groups are national in their scope, so you may find better values by. Today, there are 66 PBM companies, with the three largest – Express Scripts (an independent publicly-traded company), CVS Caremark (the pharmacy service segment of CVS Health and a subsidiary of the CVS drugstore chain), and OptumRx (the pharmacy service segment of UnitedHealth Group Insurance) – controlling approximately 89% of. However, many of them may not have thought much about. 5% of all insurance brokers are women, while 62. Many insurance groups are national in their scope, so you may find better values by. So, in order to meet the participation requirements, 70 percent of your 20 employees would need to enroll in your health plan. Excludes direct marketing efforts involving agents. The prediction, from the National Association of Mutual Insurance Companies (NAMIC), was included in the U. 6 million worked for insurance companies, including life and health insurers (911,400 workers), P/C insurers (628,600 workers) and reinsurers (26,900 workers). With a workplace health plan, your employer pays part of the cost, giving you lower premiums. Group Health Insurance Plan: A group health insurance plan is an insurance plan that provides healthcare coverage to a select group of people. PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM States, U. , Nov 25, 2022. S. In the past, copays for mental health visits may have been greater than those for most medical visits. There are 50 car insurance groups and generally, the lower the number the cheaper the insurance. Cars are assigned to one of 50 groups, with group 1 being the cheapest to insure and group 50 being the most expensive. workers covered by self-funded health insurance plans 1999-2022. Listing the top property and casualty insurance companies in the United States, this directory provides a simple way to analyse the top P&C insurance companies in the. Premium and other income of major life insurance companies in Japan from fiscal year 2020 to 2022 (in trillion Japanese yen. Lifetime maximum of $15,000 for coverage. Because there is no pathway for coverage for childless adults, except in Wisconsin, more than three-quarters (76%) of people in the coverage gap fall into this group. S. 7%. How many insurance groups are there in UK? There are 50 UK car insurance groups, with those in group 1 the cheapest cars to ensure and those in group 50 the most expensive. org. Using this information, we can summarize the financial performance of health insurers in the individual and group markets. There are 50 car insurance groups and generally, the lower the number the cheaper the insurance. According to Swiss Re, of the $6. For example, a Peugeot 206 will typically fall in group 7-11,. (When employer-sponsored health insurance ends, you can extend coverage through COBRA. It’s designed solely to give your beneficiaries a payout if. Lloyd’s premiums are for reinsurance only. 2 billion Travelers Group (TRV) $28. Whatever year or decade a disaster occurs, you can count on us to be there for you. The Congressional Budget Office estimated that 4 million Americans will join an AHP by 2023. 1 percent of people, or 304. See the details. S. Insurance : $35,262,381 48%: 52%: Raphael Warnock (D-Ga) 10: Lobbyists : $30,900,457 55%: 45%: Charles E. Farmers Insurance Group (informally Farmers) is an American insurer group of vehicles, homes and small businesses and also provides other insurance and financial services products. Generally, the higher the insurance group the more you'll pay. Online support groups can be useful when it’s not possible to meet in person. In 2020, out of a population of approximately 38 million, only around 26 million people had supplementary health insurance in Canada, with even fewer people having other kinds of insurance. Additionally, there are supplemental, catastrophic, and short-term plans available to tailor. S. 39%. S. IFFCO Tokio General Insurance: Founded in the year 2000, IFFCO Tokio General Insurance is a joint venture between Indian Farmers Fertiliser Cooperative Limited and Tokio Marine Group. The most recent American Jurisprudence treatise published on Insurance law states that “So-called ‘self-insurance’ is not insurance at all, but rather is the antithesis of insurance. RMW R1200GS (Adventure bike) – Group 14. Group 1 is the lowest (with the cheapest cars to insure), while group 50 is the highest (with the most expensive vehicles to cover). First, in some states it can help reduce any points you may have accumulated on your driving record for traffic citations, which can land you cheaper rates. In general, the larger the risk pool, the more. A. . This article will focus on understanding how many health insurance companies in the US operate in this broad, yet lucrative field of insurance. Insurance Group Direct Premium Written* % of Total Premium UNITEDHEALTH GRP $194,086,368,828 %6. 4 percentage points to 34. S. You can have multiple life insurance policies as long as you qualify for each. (If you have more than 50 employees and don’t know if you’re eligible for SHOP, you can contact your state Department of Insurance or call the SHOP Call Center at 1-800-706-7893. 7% of that workforce while nonwhite individuals made up 22. There are 50 insurance groups, with Group 1 being the cheapest to insure and Group 50 being the most expensive. 9 million). Cars in Group 1 are typically small cars with low engine capacity, while cars in Group 50 are high-performance sports cars with expensive parts and. How it uses insurtech: Pumpkin provides insurance plans for cats and dogs, and its goal is to make pet insurance more affordable and accessible to owners. 0-litre Golf R. Cars in insurance group 15 tend to be mid-range when it comes to insurance costs. Many insurers do business outside their state of domicile. health insurance market, with direct premiums written amounting to approximately 137. In total, there were 5,654 insurance companies registered throughout the US. Cars in insurance group 13 cars are on the cheaper side to insure. View stock market news, stock market data and trading information. Here are Forbes Advisor’s picks for the best car insurance companies of November 2023: American Family: Best for Low Level of Complaints. Group Director - LATAM – Contact (Latin America) Email. 17. The Audi A3 family hatchback handles really well. 1967-2021 Life insurance coverage sentiment in the U. 3% of the total workforce, while Asians made up 6. Group one cars are the cheapest to insure, whereas cars in Group 50 are the most expensive. Berkshire Hathaway completed its acquisition of Alleghany Corp. 0 billion in 2019. Group coverage can help reduce the problem of adverse selection by creating a pool of people eligible to purchase. Many insurance companies have introduced such a scheme to provide the requirements of many specific groups like professionals in an organization, employer-employees, etc. RRGs are formed using a combination of state and. Is Group 7 insurance high? This is a really low insurance group. population overall was approximately 330 million, with 59 million people 65 years of age and over covered by the federal Medicare program. 7 6 Kaiser Permanente United States: 102. Out of those 48 IAIGs, 30 IAIGs have been publicly disclosed by relevant. Cars in the insurance groups 21-30 pay a mid-ranged insurance premium for their cover. 1: 10: Nationwide Mutual Group: 20,306,711: 2. New York Life Insurance Group: 47,449,630: 5. 2021, by total assets Insurance Leading insurance. There are 5,954 insurance companies across the United States. [Read: Finding a Therapist Who Can Help You Heal] Online support groups. Typically an employer-sponsored group policy is term life insurance. And no prizes. Most people overestimate how much life insurance costs. How many groups are there in car insurance? The groups for car insurance are numbered from Group 1 to Group 50. 5 in 2018 but still below the peak of 6. com. 76 ANTHEM INC GRP $94,000,396,011 %3. 9 7 Axa France: 101. 11 Figure 3: L&H Insurance Groups by 2021 U. Risk Retention Groups. For example, a Skoda Citigo 1. Group 20. 2 billion Liberty Mutual $36. It divides the insurance business into two categories: life insurance and general business or non-life insurance. Farmers is the trade name for three reciprocal. Group 1 is the lowest and will be given to cars that represent the least risk to an insurer. The first 20 days would be paid for in full by Medicare with the remaining 80 days requiring a co-payment of $167. Generally, the plan will depend on the size of the business and how many employees are part of the group. S. 66% of Americans, or 2 in 3 individuals, buy life insurance to transfer wealth to other generations. In 2021, there were approximately 260. Get in touch with us now. 5% were uninsured at the time of interview, and men (16. Is insurance group 19e expensive? Insurance group 19 cars are among the cheaper ones to insure. C. These top health insurance companies earn $623 billion, in total. Many policies pay 40% to 70% of your income. The overall number of insurance companies in the United Kingdom fell by about 150 between January 2014 and September 2022. 44% of Millennials overestimate the cost of term life insurance by 5x. In total there are 50 car insurance groups. There are many insurance groups available in Miami. 3: $7,302: 21: Mapfre Insurance: 1. 9 percent and 9. 5 billion, implying premiums intermediated by such groups in that year of approximately USD 100 billion. Pooling risks. Thatcham Research provides up-to-date vehicle data, passed on by car manufacturers, to inform the groupings. 2 million insurance brokers, agents, and employees in the United States. Details. 44% of Millennials overestimate the cost of term life insurance by 5x. Of those individuals, almost 35 million. In 2022, private health insurance coverage continued to be more prevalent. So, insurance group 14 cars are mid-range when it comes to insurance costs. Allstate Insurance Group (ALL) $39. Get in touch with us now. The. by age group 2013 & 2021. Special Section sponsored by Finys. 0 SE is in the lowest group (1). A group that represents State Farm and other insurance companies is warning of a “retirement cliff” over the next 15 years that will leave over 400,000 open positions unfilled industrywide. Find cars by insurance group In the UK, cars are organised into groups, which are then used by. There are 50 car insurance groups in the UK, with Group 1 being the lowest risk and Group 50 being the highest risk. In terms of domestic companies, only around 300 companies were operating. With Bestow, for example, you can choose a death benefit from $100,000 up. These five most popular companies make up 44% of health insurance enrollment. Farmers Financial Solutions, LLC offers. Regulations designed to protect policyholders. [2] Car insurance costs are on the rise. Van makes and models are also assessed on categories such as engine size, vehicle price, safety and security features, and the cost of repairs. 35. However, 18-24 year olds were the only age group to. Learn more about the different types of insurance companies such as standard, surplus, domestic, alien, captive, mutual, and more in this guide. Group 3. Employees may also have the option to buy additional coverage through payroll deductions. Group life insurance is a guaranteed. How many car insurance groups are there in the UK? There are 50 car insurance groups in total. This. The annual Market Share Report compiles and analyzes property and casualty premium data from AM Best and provides insights for agencies and carriers on current. There are two types of motor insurance policies in Dubai, Third-Party Liability Insurance and Comprehensive Motor Insurance. Largest insurance groups by premium volume in Spain 2020-2022. Because group health coverage is typically associated with large organizations, many small organizations wonder whether they are eligible for group coverage. 3. 44,537,546: 4. 1: 10: Nationwide Mutual Group: 20,306,711: 2. They usually have less powerful engines and costs of repairs are known to be lower. ; Family Floater Health Insurance: Covers the complete family under a single policy. Car make/model. Check with your state insurance department to verify if group health insurance policies are sold to small groups of one. 66) than non-Hispanic whites (. A group that represents State Farm and other insurance companies is warning of a “retirement cliff” over the next 15 years that will leave over 400,000 open positions unfilled industrywide. household can again place an order to receive four more free COVID-19 rapid tests delivered directly to their home. 2% from 10. If. 8 percent of workers were uninsured, which was 0. 1, 2020, the Centers for Disease Control and Prevention estimate there have been 942,431 excess deaths in the U. Your staff will gain access to the Virtual University, 17,000 in-depth pages on commercial lines, personal lines, certificates of insurance, life-health, forms and more. There’s a number of popular cars in insurance group 1 that are likely to come with a cheaper car insurance policy. Employees' monthly premiums are paid using. In 2022, there were less than 200 companies operating on the Italian insurance market. 6% of the population. Who decides on the car insurance groups? In the UK, The Group Rating Panel, administered by Thatcham Research, assigns new car models to an insurance group from 1 to 50. 4 percentage points. The insurance group of a particular car represents how much a risk that kind of car might be. So. These are the typical insurance group ratings for the 10 most common motorbikes on UK roads: BMW R1200RT (Large Tourer) – Group 11. The companies that make up the insurance industry, which many are located near you there in Central Illinois, are wonderful companies to. Large insurance groups can operate with a significant number of legal entities and many different regulatory and operational barriers to transferring funds among them. 4% between. include big names such as UnitedHealthcare Group, Anthem, and Aetna. What is insurance group 15e? Car insurance group 15 Groups are based on your car's power, value, security and repair costs. If you have an individual disability insurance policy, there is a 25 percent chance the insurance company will have to pay benefits at some point. Among the company offerings are life insurance, health, disability and annuity products to individuals and groups. 9 percent and 28. The average annual premium for employer-sponsored health insurance is around $7,739 for an individual and $22,221 for a family. Kaiser Permanente and Blue Cross Blue Shield are the best health insurance companies in the U. Car insurance rates have been steadily rising, with a 5% increase from 2017 to 2018, and a 1% boost between. The admin of the group gets the master policy in the name of the. Car make/model. It is sometimes called basic life insurance or employer-sponsored insurance. S. The national average cost for car insurance is $1,601 annually for full coverage. differences in health insurance coverage for the civilian noninstitutionalized population by race and Hispanic . Can't find the answer you are looking for? A quick online form will connect you with an. General Insurance. The ACA created new coverage options. Admiral started using the one to 50 in August 2011. In 2022, 92. Currently, the company services over 200,000 individual policyholders. WGLT. 44. The insurance group of a particular car represents how much a risk that kind of car might be. P: This is used when the data for the rating. S. In 2022, 9. There are 50 car insurance groups and generally, the lower the number the cheaper the insurance.