HOW THE MODEL WORKS
Four inputs, weighted against generalized rate patterns
The simulator blends applicant age, coverage amount, deductible and risk tier using simplified actuarial relationships observed across public rate filings. It's a directional planning tool, not a carrier quote engine.
Higher deductibles lower monthly premium,
raise out-of-pocket exposure
Risk
tier reflects underwriting factors like history and claims record
Values persist locally so you can return
and keep adjusting