How do insurance underwriters calculate the rate surcharge for a DUI over a five-year lookback period in Pennsylvania, and which carriers offer the fastest rate reductions?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do insurance underwriters calculate the rate surcharge for a DUI over a five-year lookback period in Pennsylvania, and which carriers offer the fastest rate reductions?
3 real searches · 1 real-search pass
Pennsylvania auto insurance DUI surcharge underwriting lookback period five years insurance companies rate reduction DUIGoogle ↗
OBSERVEDReason
Pennsylvania DUI insurance rates how long affects premiums carrier underwriting guidelines DUI 2026Google ↗
OBSERVEDConsequence
Pennsylvania insurance department auto insurance DUI surcharge rating regulations surchargeGoogle ↗
OBSERVEDComparison
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 (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Pennsylvania auto insurance DUI surcharge underwriting lookback period five years insurance companies rate reduction DUI Google ↗
Pennsylvania DUI insurance rates how long affects premiums carrier underwriting guidelines DUI 2026 Google ↗
Pennsylvania insurance department auto insurance DUI surcharge rating regulations surcharge Google ↗
- DUI Car Insurance in Pennsylvania: Cost and Cheap Rates (2026) · moneygeek.com
- Pennsylvania DUI and insurance: How much does a DUI raise your insurance? · insurance.com
- 75 Pennsylvania Consolidated Statutes § 1793 (2025) - Special provisions relating to premiums :: 2025 Pennsylvania Consolidated Statutes :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- 31 Pa. Code § 67.33. Assessment of premium surcharge. · pacodeandbulletin.gov
- Questions and answers about · insurance.pa.gov
- Auto Insurance After a DUI in Pennsylvania · bankrate.com
- How long will my auto insurance ticket surcharge last?| Insurance.com · insurance.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Pennsylvania auto insurance DUI surcharge underwriting lookback period five years insurance companies rate reduction DUI OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Pennsylvania DUI insurance rates how long affects premiums carrier underwriting guidelines DUI 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Pennsylvania insurance department auto insurance DUI surcharge rating regulations surcharge OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |