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The Insurance Division is charged with defending the rights of the patron and the general public’s curiosity in dealing with the insurance business and is liable for regulating the insurance industry. When people get a quote for automotive insurance and resolve to accept it one of many ‘prices’ that they typically fail to think about is the surplus on their coverage. In figuring out premiums and premium price structures, insurers contemplate quantifiable factors, together with location, credit score scores , gender , occupation , marital status , and education stage.