Which of the following is NOT a factor affecting auto insurance rates?

Car color is not a factor that affects auto insurance rates. Insurance companies typically evaluate risk based on factors that have a direct correlation to the likelihood of accidents or the cost of repairs. These factors include driver classification, which considers the driver's age, driving record, and experience, as well as the type of automobile, which looks at the vehicle's safety ratings, repair costs, and theft rates. Additionally, accident rates in the area are taken into account, as geographic location can significantly influence the probability of claims due to theft, vandalism, or collisions.

In contrast, the color of the car does not impact its risk profile or the likelihood of a claim being filed, making it irrelevant when underwriting policies or determining premiums. Thus, it’s important to focus on the relevant factors that insurance companies actually consider when assessing risk and calculating auto insurance rates.