What do car insurance companies look at when assessing the cost of your policy?

What factors determine the cost of your car insurance policy? I have a clean driving history and I haven't made many claims in the past.

Answer provided by
Sophie Newman
Answered on Jun 30, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
Car insurance companies use a variety of factors to determine the risk of insuring you as a driver, such as:
  • age
  • location
  • driving history
  • type of vehicle
Companies also have access to a database called the Comprehensive Loss Underwriting Exchange (CLUE), which documents your claim history and helps them predict your future claim risk.”

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