The odds that the reduction may happen. The larger the odds an event may happen that'll build a reduction your insurance QuotesChimp may need to pay for, the larger the threat to the business and, hence, the more complex the premium. (Higher peril equals greater rates.) For instance, in case you have three drunk driving prosecutions within the last four weeks, your car insurance company may consider, with reason, your possibility of engaging in a collision and incurring a reduction is rather high. As a consequence in their heightened threat of deficiency, you are going to incur greater rates. Alternatively, in the event your driving report is clean, your rates ought to decrease together with the underwriter's reduced jeopardy.