A Snapshot of Your Driving Habits Pays Big Dividends

摘要

Ever since auto insurance was invented more than a century ago, the cost of premiums has been based on statistical data. What you paid for insurance depended on how old you were, your gender, how far you drove each day, whether you were married or single, what city you lived in and other facts. None of these factors actually determined whether you were a good driver, but they helped your insurer make an intelligent guess about the risk you presented.