中文版

蚂蚁车险分与什么走关？

蚂蚁车险分是蚂蚁金服推出的一款车险评分产品，旨在通过大数据分析为车主提供更加精准的车险服务。那么，蚂蚁车险分与什么走关呢？

与车主的驾驶行为走关

蚂蚁车险分通过分析车主的驾驶行为数据，如行驶速度、行驶距离、急刹车次数等，来评估车主的驾驶风险。这些数据能够直接反映车主的驾驶习惯和安全意识，对于车险定价和风险评估具有重要意义。

与车辆的使用情况走关

除了驾驶行为数据，蚂蚁车险分还会考虑车辆的使用情况，如车辆型号、品牌、使用频率等。这些因素也会对车险定价产生影响，因为不同车型、不同品牌的车辆在保险风险上存在差异。

与车主的个人信用走关

蚂蚁车险分还会参考车主的个人信用信息，如芝麻信用分等。个人信用状况良好的车主，往往具有更高的保险诚信度，能够更好地遵守交通规则和保险合同，从而享受更低的车险保费。

英文版

What Is the Relationship Between Ant Auto Insurance Score and Other Factors?

Ant Auto Insurance Score is a product launched by Ant Financial to provide more accurate auto insurance services to car owners through big data analysis. So, what does Ant Auto Insurance Score have to do with other factors?

It's Related to the Driver's Driving Behavior

Ant Auto Insurance Score analyzes the driver's driving behavior data, such as speed, driving distance, and the number of emergency brakes, to assess the driver's risk. These data directly reflect the driver's driving habits and safety awareness, which are significant for auto insurance pricing and risk assessment.

It's Related to the Vehicle's Usage

In addition to driving behavior data, Ant Auto Insurance Score also considers the vehicle's usage, such as the model, brand, and frequency of use. These factors also affect auto insurance pricing because different vehicle models and brands have different insurance risks.

It's Related to the Driver's Personal Credit

Ant Auto Insurance Score also refers to the driver's personal credit information, such as Zhima Credit Score. Drivers with good personal credit are often more trustworthy in insurance, able to better follow traffic rules and insurance contracts, and thus enjoy lower auto insurance premiums.