Real ChatGPT answer · index seedUxTqqbJbTRMcompleteInsurance · auto insuranceinformational

Why did my commercial auto insurance quote double just because I mentioned my college-aged daughter might drive the company car sometimes?

ChatGPTgpt-62 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Why did my commercial auto insurance quote double just because I mentioned my college-aged daughter might drive the company car sometimes?
2 real searches · 1 real-search pass
commercial auto insurance youthful driver under 25 occasional driver premium surcharge underwritingGoogle ↗
OBSERVEDYes / no
commercial auto insurance adding young driver rated driver occasional use excluded driver policy underwritingGoogle ↗
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 (2)
Short factOther / navigationalComparisonConsequenceReason50%DefinitionInstructionYes / no50%

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
commercial auto insurance youthful driver under 25 occasional driver premium surcharge underwriting Google ↗
commercial auto insurance adding young driver rated driver occasional use excluded driver policy underwriting Google ↗
  1. Customer Automobile FAQ · dfs.ny.gov

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
commercial auto insurance youthful driver under 25 occasional driver premium surcharge underwriting
OBSERVED
Google ↗
AI Mode ↗
—Yes / no——1x
of 1
commercial auto insurance adding young driver rated driver occasional use excluded driver policy underwriting
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1