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Give or take a credit score, underwriting personal auto policies hasn’t changed much through the years. Lower premiums were dependant on your driving record—tickets and accidents—and less so on things such as where and when you drove your car and how many miles you racked up.

For many of us, that’s about to change—if it hasn’t already. Piling up speeding tickets will certainly keep you on the path to higher premiums, but the world of personal auto insurance is going through a disruption that hasn’t been seen in any lines of insurance since risk modeling for wind storms came into vogue.

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