Which factors are considered rating factors for the Personal Auto Policy?

The choice highlighting age, sex, marital status, and driving records is correct because these factors are commonly used by insurers to assess risk and determine premiums for a Personal Auto Policy.

When insurers evaluate potential policyholders, they consider demographic information such as age and sex, as statistical data shows that various groups may have different levels of risk associated with them. Additionally, marital status can indicate stability and responsibility, which may correlate with safe driving habits. Driving records are particularly critical, as past behaviors, including accidents and traffic violations, provide direct insight into a driver's risk profile. A driver with a clean record is generally viewed as less of a risk than one with multiple accidents or violations.

While factors like vehicle make and model can influence premiums, they are more specific to the individual vehicle than to the driver’s overall risk category. The type of insurance purchased and the number of previous accidents are also relevant, but they do not capture the broad demographic and behavioral aspects that insurers often prioritize in their rating systems. The combination of age, sex, marital status, and driving records offers a comprehensive view of the risk associated with an individual driver, making it a key set of rating factors.