Which of the Following Statements Regarding Factors That Influence How

question 63

Multiple Choice

Which of the following statements regarding factors that influence how auto insurance premiums are set is true?

• A) Insurance companies charge lower rates for rear-engine models.
• B) Rates are lower if the insured automobile is driven less than 20 miles one way to work.
• C) In most states, accidents determined to be the insured's fault incur points and a premium surcharge.
• D) Discounts are often given for a vehicle that is driven less than 100,000 miles a year.
• E) Because they are involved in a larger percentage of fatal crashes, unmarried females under age 30 pay higher premiums than do older individuals.

---

Definitions:

Psychoanalytic Theories

Theories developed by Sigmund Freud and his successors, focusing on the influence of the unconscious mind on behavior.

Humanistic Theories

A perspective in psychology that emphasizes the study of the whole person, looking at human behavior not only through the eyes of the observer but through the eyes of the person doing the behaving.

Collectivism

A cultural or political perspective valuing the goals of the group or community over the goals of the individual.

Extended Family

A family group that extends beyond the nuclear family, including grandparents, aunts, uncles, and cousins.