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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."
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“
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.”
View full answer
- Gregory R.
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