How are loss-making and price policy?

How are loss-making and price policy?

Administration of Road Safety (National Highway Traffic Safety Administration, NHTSA) released a report, the data clearly show that: the size of the claimed loss is highly dependent on the type of car. Thus, the highest amount claimed owners of sports cars, the smallest - the drivers of passenger vans. It is clear that stravhovschikov also have similar calculations, the results of which must appear in the tariffs. Therefore, a person who looks after his car should have and the fact that the price of the policy, including depends on the type of the vehicle.
To visually confirm this, the online insurer OnlineAutoInsurance.com recommends that you use one of the many online services to compare prices for insurance for the same model in different bodies.
Comparison went about mid claimed damages for all types of cars. Thus, a large sports model, which has won "honorable" the first place, showed 326% higher average level of claims about the occurrence of insured events. However, such leadership is understandable - because the machine itself is worth more than $ 100,000, so it is logical that in absolute terms, the losses on it will be a rather big.
But on the minivan claimed loss ratio of 69% less than the average.
However, over the full loss-making at the cost of the policy should not be - yet they are not correlated to one hundred percent. The size of the claimed damages for a single model - only one (albeit an important one) of the many factors taken into account when calculating the underwriters of the tariff. According to the same Office, the impact of loss on the final price of the policy is limited to ten percent.