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An auto insurance premium may be partially based on:
Confucianism
An East Asian philosophy originating in China, focusing on ethics, morality, and social harmony, based on the teachings of Confucius.
Worldview
The overall perspective from which one sees and interprets the world, encompassing beliefs, values, and attitudes towards life and the universe.
Philosophy of Life
An individual's set of beliefs, values, and principles that guide their understanding of the world and their place within it.
Fundamentalist
A person who believes in the strict, literal interpretation of religious texts or doctrines, often leading to intense adherence to those beliefs.
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