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Sunday, June 6, 2010. Auto Insurance Estimates - What Factors Play a Part? As a policy holder, it most likely amazes and confuses you as to what insurance companies look into when dealing with auto. Some aspects of it make sense and then there are others that are a mystery. The first and most obvious feature at which a company will look when coming up with auto. From the insurance standpoint, it is more likely they will have to pay money on you because you have a history.

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