Real ChatGPT answer · index seed19jsps8VxL4completeInsurance · auto insurancecommercial

What factors do insurance companies look at besides my driving record when calculating my rate

ChatGPTgpt-61 query10/31/2026
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Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
What factors do insurance companies look at besides my driving record when calculating my rate
1 real search · 1 real-search pass
auto insurance rating factors besides driving record credit-based insurance score ZIP code vehicle coverage history state regulations consumer guideGoogle ↗
OBSERVEDReason

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (1)
Short factOther / navigationalComparisonConsequenceReason100%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT1 real searches · gpt-6
auto insurance rating factors besides driving record credit-based insurance score ZIP code vehicle coverage history state regulations consumer guide Google ↗
  1. Automobile Insurance Guide · insurance.ohio.gov
  2. Insurance Topics | Credit-Based Insurance Scores · content.naic.org
  3. How insurance companies set auto premiums · insurance.wa.gov
  4. A Shopping Tool for Automobile Insurance · content.naic.org
  5. Insurance Topics | Auto Insurance · content.naic.org
  6. auto-rates · insurance.maryland.gov

Queries

1 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
auto insurance rating factors besides driving record credit-based insurance score ZIP code vehicle coverage history state regulations consumer guide
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1