Does my credit score really affect how much I pay for car insurance in California, and if not, what other sneaky rating factors are they using to set my price?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Does my credit score really affect how much I pay for car insurance in California, and if not, what other sneaky rating factors are they using to set my price?
2 real searches · 1 real-search pass
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.
Classifying 2 queries…
Searches and sources
ChatGPT2 real searches · gpt-6
California Department of Insurance auto insurance rating factors credit score prohibited driving record annual mileage years licensed Proposition 103 Google ↗
California auto insurance regulations rating factors ZIP code vehicle use marital status annual mileage official DOI Google ↗
- California Insurance Code § 1861.02 (2025) :: 2025 California Code :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- California Insurance Code section 1861.02 (2025) · california.public.law
- California Code of Regulations, Article 3, Section 2632.5 - Rating Factors | California Code of Regulations · regulations.justia.com
- Cal. Code Regs. Tit. 10, § 2632.5 - Rating Factors | State Regulations | US Law · law.cornell.edu
- Commissioner Lara proposes ending use of marital status in California auto insurance rates · insurance.ca.gov
- APS_I · interactive.web.insurance.ca.gov
- Credit-Based Insurance Scores · content.naic.org
- Cal. Code Regs. Tit. 10, § 2632.4 - Use of Rating Factors | State Regulations | US Law · law.cornell.edu
- California Insurance Code section 381.1 (2025) · california.public.law
- California Department of Insurance – Auto Insurance · insurance.ca.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
California Department of Insurance auto insurance rating factors credit score prohibited driving record annual mileage years licensed Proposition 103 OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
California auto insurance regulations rating factors ZIP code vehicle use marital status annual mileage official DOI OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |