The Soglasie insurance company studied the data on the accident rate of drivers in the MTPL segment, depending on the date of birth and, accordingly, the sign of the zodiac. The most common cause of accidents is the behavior of Lions on the road - their frequency of losses is 5% higher than the average for the portfolio. Virgos follow (4% above average).
Cancer and Sagittarius have a 1% higher loss frequency. It is at the average level in Aries and Pisces. In Aquarius and Scorpio, the indicator is 1% lower, in Libra, Taurus and Capricorn - by 2%. The safest ride among Gemini is that they have the lowest loss rate (3% less than average).
However, the date of birth does not affect the cost of the policy. When calculating it for a specific driver, many factors are taken into account. This allows us to offer each client the most fair rate. The main factors that the insurance company "Soglasie" uses when calculating the tariff for OSAGO are age, experience, insurance history of the driver, model, year of release of his vehicle, territory of operation, purpose of using the car (personal, taxi, commercial) and others. For a number of drivers, if the company has relevant information, gross violations of traffic rules are taken into account (driving a vehicle while intoxicated, exceeding the speed limit of more than 60 km / h, driving into the oncoming lane, driving at a red traffic light).
Accurate and trouble-free drivers pay for OSAGO on average 15% less.
