How the Growing Use of Non-Driving Factors in Auto Insurance Pricing Affects Consumers

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This presentation to the Consumer Federation of America’s 28th annual Financial Services Conference in Washington, DC discusses the importance of non-driving factors such as age, gender, territory and insurance credit scores in properly apportioning risk in the rating of personal automobile insurance policies. It also discusses how insurers use price optimization software add objective analysis to the formerly subjective practice of adjusting actuarial rate indications.

 

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