Assessing the Fairness of Rating Factors in Car Insurance and Lendingdoi:10.7910/DVN/BKJ74XHarvard Dataverse2025-10-211Kiviat, Barbara, 2025, "Assessing the Fairness of Rating Factors in Car Insurance and Lending", https://doi.org/10.7910/DVN/BKJ74X, Harvard Dataverse, V1, UNF:6:LE7mWvXq28CepKXfs0XCMA== [fileUNF]Assessing the Fairness of Rating Factors in Car Insurance and Lendingdoi:10.7910/DVN/BKJ74XKiviat, BarbaraHarvard DataverseKiviat, BarbaraKiviat, Barbara2025-10-21Social SciencesThis dataset comes from a nationally representative online survey about the perceived fairness of using various sorts of personal information in the underwriting and pricing of car insurance and consumer loans. The data was collected by YouGov and partially paid for by the National Science Foundation (Doctoral Dissertation Research Improvement Award 1802286).<a href="http://creativecommons.org/publicdomain/zero/1.0">CC0 1.0</a>Kiviat, Barbara. 2021. “Which Data Fairly Differentiate? American Views on the Use of Personal Data in Two Market Settings.” Sociological Science 8:26-47.Kiviat, Barbara. 2021. “Which Data Fairly Differentiate? American Views on the Use of Personal Data in Two Market Settings.” Sociological Science 8:26-47.HARV0032_OUTPUT.tab1095148text/tab-separated-valuesUNF:6:LE7mWvXq28CepKXfs0XCMA==Case ID316034.970372042151095.04.388974273497717E84.35039741E80.04.38911644E84.39673097E8.UNF:6:zrEyx6kZCcS55xQHsKOScA==Gen Pop Weight0.00.9082114466754940.30664.694685586019071095.0.0.37927698172087591.0UNF:6:5PRPEXxhcfJPEhKxzCy3xQ==HARV0032 treatments0.00.50019321269180961.02.01.50593607305936071095.0.2.09not asked08skipped02Show lender: Block 5-75541Show car: Block 2-4541UNF:6:qVRQCqsdxc6m4lc78C7hHQ==HARV0032 q5 treatments1.00.03.02426748999816341095.09.06.2511415525114169.0.6Q10814Q8929not asked5545Q9908skipped01Q5883Q7872Q6103UNF:6:m2OXJDtCK+EX0zKPELm68g==HARV0032 q16 treatments6.207305936073061095.03.0179144512124229.01.00.0.6.01Q16952Q17918skipped09not asked5413Q18954Q19926Q21935Q2088UNF:6:5gFNUfIPy/s2m3Y8+uo+NQ==CAR INSURANCE COMPANY uses personal information -- A person's accident history.1095.09.01.05.5342465753424670.09.03.60332795514198178skipped09not asked5542Somewhat Fair1874Somewhat Unfair345Very Unfair353Neither Fair nor Unfair521Very Fair233UNF:6:wyWjaIcCABM51kgbNiIrrw==CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets1095.0.3.58437917594515559.01.00.09.05.5625570776255729not asked5548skipped03Neither Fair nor Unfair582Somewhat Fair1775Very Unfair431Very Fair2304Somewhat Unfair33UNF:6:xsxTWtQY3LKPTlKeo5wikQ==CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook9.01095.02.4872004616808843.6.6657534246575339.01.00.05Very Unfair3323Neither Fair nor Unfair681Very Fair239not asked5544Somewhat Unfair952Somewhat Fair238skipped0UNF:6:nNIrO/lnVRCB+y5BqaSwlQ==CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years6.3497716894977181.09.0.1095.00.02.83698436639608259.08skipped09not asked5544Somewhat Unfair1205Very Unfair1953Neither Fair nor Unfair1011Very Fair412Somewhat Fair84UNF:6:pUAwGNI2eV0+5AQw5p88ow==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving.1.03.21706121451395345.9753424657534251095.09.00.09.03Neither Fair nor Unfair968skipped05Very Unfair1082Somewhat Fair1584Somewhat Unfair789not asked5541Very Fair101UNF:6:p2IRqpaGn7YGMGACcI706A==CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score9.01.02.89109927217043030.09.01095.06.3004566210045665.8skipped04Somewhat Unfair1162Somewhat Fair969not asked5545Very Unfair1823Neither Fair nor Unfair1001Very Fair47UNF:6:n8FSJPtinjl3g0wq13RNiw==CAR INSURANCE COMPANY uses personal information -- How much money a person makes6.505022831050230.01095.02.66772338466059541.0.9.09.02Somewhat Fair604Somewhat Unfair985Very Unfair2619not asked5548skipped01Very Fair233Neither Fair nor Unfair99UNF:6://GZYwXQblBsHE8+g2BCdQ==CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)2.7537779225687950.09.09.01.06.4283105022831055.1095.01Very Fair293Neither Fair nor Unfair998skipped04Somewhat Unfair1042Somewhat Fair789not asked5545Very Unfair231UNF:6:65y2/JsoFbDx0cIRiRhxBw==CAR INSURANCE COMPANY uses personal information -- A person's sex/gender2.70513921404031431.09.0.9.00.01095.06.4904109589041113Neither Fair nor Unfair878skipped09not asked5545Very Unfair2752Somewhat Fair541Very Fair414Somewhat Unfair84UNF:6:0tHQfCd5r9bya2WW2TITsg==CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity2.5400658627608299.01095.06.6328767123287689.0.0.01.08skipped01Very Fair279not asked5543Neither Fair nor Unfair794Somewhat Unfair602Somewhat Fair345Very Unfair341UNF:6:JRr0dkurLnFQhs56zbuTFA==CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits.6.6757990867579912.47434896720663579.00.09.01095.01.09not asked5543Neither Fair nor Unfair635Very Unfair3368skipped04Somewhat Unfair961Very Fair212Somewhat Fair25UNF:6:1kNJdOnUJrl+ScNniwL4tg==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive.1.02.9465689504858369.01095.09.06.2557077625570770.04Somewhat Unfair1028skipped05Very Unfair1803Neither Fair nor Unfair971Very Fair599not asked5542Somewhat Fair103UNF:6:wKrqcIjJq4MInl5U3FxBjg==CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store.9.06.7132420091324191.02.4315036971619371095.09.00.08skipped09not asked5544Somewhat Unfair641Very Fair173Neither Fair nor Unfair715Very Unfair3672Somewhat Fair22UNF:6:nIcCSeEFZEg7xXYzqwv3rw==CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home2.6868192665594896.4876712328767111.09.01095.00.0.9.03Neither Fair nor Unfair994Somewhat Unfair1139not asked5541Very Fair302Somewhat Fair525Very Unfair2478skipped0UNF:6:ab3MxhgVdppYHTXTfNQp+g==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive9.00.09.01095.06.261187214611872.1.02.9289734112333732Somewhat Fair945Very Unfair1709not asked5541Very Fair523Neither Fair nor Unfair1204Somewhat Unfair1058skipped0UNF:6:c3dPEG/tuTBQfHEcZ2uEqA==CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in.9.06.2246575342465761.02.9762518676491349.01095.00.09not asked5542Somewhat Fair1084Somewhat Unfair938skipped05Very Unfair1723Neither Fair nor Unfair1071Very Fair61UNF:6:PZ2Dt9v5Lq9u3+ovbVrpKw==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history1095.09.09.01.03.2081912683022598.0.06.0036529680365288skipped03Neither More nor Less1111A Lot More1369not asked5544Somewhat Less875A Lot Less1192Somewhat More88UNF:6:6EQzJuQ5m3Z1jn8wLXs9ng==CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get.9.01.09.00.01095.03.20185589333288876.0200913242009145A Lot Less1479not asked5544Somewhat Less551A Lot More1252Somewhat More1163Neither More nor Less988skipped0UNF:6:Bs6zltRbcvaEtdRPKbUaKQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook1095.00.0.9.06.1442922374429211.02.96986722914687649.03Neither More nor Less3344Somewhat Less479not asked5545A Lot Less858skipped01A Lot More232Somewhat More52UNF:6:OqyTRzhd63cAR65iRCm1Xw==CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years9.01095.02.9672703105025449.0.0.01.06.1753424657534259not asked5548skipped02Somewhat More904Somewhat Less875A Lot Less1081A Lot More303Neither More nor Less226UNF:6:sgfisfVnoIZZvpZEtRLtbQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving.9.03.13362977040518281095.09.00.06.03470319634703151.03Neither More nor Less1449not asked5545A Lot Less892Somewhat More1344Somewhat Less1018skipped01A Lot More73UNF:6:2XXr0o0Rw2ou7MFb98iFgQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score9.09.00.06.056621004566211.01095.0.3.1022327127616968skipped03Neither More nor Less1914Somewhat Less825A Lot Less911A Lot More642Somewhat More1139not asked554UNF:6:OMWuKkKe7hT+XBNQtHUhjA==CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make1095.01.06.0657534246575349.00.03.0626107790171373.9.02Somewhat More905A Lot Less669not asked5548skipped04Somewhat Less793Neither More nor Less2621A Lot More44UNF:6:rdHGyIzvtiFcHsd2GNn28g==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)3.01217328781422079.00.01095.09.06.1086757990867581.0.3Neither More nor Less2689not asked5541A Lot More338skipped02Somewhat More795A Lot Less644Somewhat Less97UNF:6:akAPY/jmO4I+32mP3scYKw==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender9.0.0.01095.03.0933424949569159.01.06.0264840182648419not asked5543Neither More nor Less2635A Lot Less542Somewhat More1148skipped01A Lot More384Somewhat Less72UNF:6:7Dnif/VrW4dIncZYIjfg9g==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity3.0245978738307411095.00.06.0949771689497739.09.01.0.4Somewhat Less682Somewhat More813Neither More nor Less2919not asked5545A Lot Less708skipped01A Lot More31UNF:6:ijOtC7UvVuoX5YT7CN5pPw==CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit6.1488584474885841095.09.01.0.0.09.02.9605474185396421A Lot More179not asked5545A Lot Less788skipped04Somewhat Less623Neither More nor Less3242Somewhat More60UNF:6:FB0RiMI+BGAehBS+QbyZag==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive1095.00.01.09.09.0.6.113242009132423.03061134269674968skipped02Somewhat More1103Neither More nor Less2021A Lot More405A Lot Less864Somewhat Less1039not asked554UNF:6:fvEYSsVnDeqK5SStgdkXmw==CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store9.0.2.9395156001974721.00.01095.06.1762557077625579.04Somewhat Less678skipped09not asked5543Neither More nor Less3155A Lot Less891A Lot More212Somewhat More49UNF:6:bfWmZgBzvZuZr9qzod6v6A==CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home3.0221225674684558.0.06.1013698630136989.01095.01.09.05A Lot Less672Somewhat More1004Somewhat Less963Neither More nor Less2491A Lot More298skipped09not asked554UNF:6:CjQ+0OpIvBWnngp7R6JFGg==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive1095.0.3.0142261455278959.09.01.00.06.1223744292237443Neither More nor Less2211A Lot More358skipped02Somewhat More1014Somewhat Less1029not asked5545A Lot Less82UNF:6:nr/YdAy8YcDJ9Jn+qzvXHw==CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in.1095.00.09.06.0182648401826489.01.03.11152171298554645A Lot Less522Somewhat More1191A Lot More504Somewhat Less968skipped09not asked5543Neither More nor Less224UNF:6:Qmq1WbBEkYTtVfT2UrG3Zg==LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years9.06.1114155251141569.01.00.01095.0.3.0499209247303255Very Unfair1068skipped02Somewhat Fair1373Neither Fair nor Unfair1584Somewhat Unfair969not asked5541Very Fair44UNF:6:O2XTB06N53jG8XX0ejOxMQ==LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook.9.01.01095.09.06.5789954337899530.02.57517981746925135Very Unfair2868skipped03Neither Fair nor Unfair1191Very Fair194Somewhat Unfair892Somewhat Fair289not asked554UNF:6:xzLw1dssBvFl5tBpikSvSw==LENDER uses personal information -- How often a person pays the cable TV bill on time.1.09.00.01095.09.05.79726027397260253.37630627179623443Neither Fair nor Unfair944Somewhat Unfair499not asked5541Very Fair1402Somewhat Fair1828skipped05Very Unfair76UNF:6:r1sPEkTW2HO708MjCdW5yQ==LENDER uses personal information -- A person's credit report or credit score9.0.1.03.50575681139833159.01095.05.660273972602740.01Very Fair2023Neither Fair nor Unfair734Somewhat Unfair418skipped02Somewhat Fair1669not asked5545Very Unfair59UNF:6:x65OpSWmSj7oJp8DFXbI9Q==LENDER uses personal information -- How much money a person makes1.09.0.0.09.01095.03.3721621350840125.7981735159817365Very Unfair699not asked5543Neither Fair nor Unfair1041Very Fair1424Somewhat Unfair568skipped02Somewhat Fair170UNF:6:ZQpp9qPGzlePNuWOtRI4ZQ==LENDER uses personal information -- How often the person pays the utility bill on time.1.00.05.679452054794529.03.4796992440842411095.09.03Neither Fair nor Unfair949not asked5541Very Fair1818skipped04Somewhat Unfair322Somewhat Fair1765Very Unfair58UNF:6:t+/uXK5x+2VovkC2+IaEpg==LENDER uses personal information -- A person's sex/gender1095.02.5907798262981863.6.5652968036529679.01.09.00.04Somewhat Unfair792Somewhat Fair318skipped01Very Fair189not asked5545Very Unfair2843Neither Fair nor Unfair129UNF:6:XvyR6OZ0bLg2Rppm+DvN2Q==LENDER uses personal information -- A person's race/ethnicity9.02.56092133786268540.01095.01.0.6.5999999999999999.01Very Fair215Very Unfair3103Neither Fair nor Unfair1124Somewhat Unfair699not asked5548skipped02Somewhat Fair29UNF:6:gazzNfI9TPbRlW5xvqfqsQ==LENDER uses personal information -- Which web sites a person visits1.0.9.06.6063926940639269.01095.00.02.53663383216500641Very Fair135Very Unfair2918skipped03Neither Fair nor Unfair1164Somewhat Unfair959not asked5542Somewhat Fair26UNF:6:lgqAQh7vzSeOyOlYDY0xVA==LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)6.4821917808219172.675537968034985.1.01095.09.00.09.08skipped03Neither Fair nor Unfair1471Very Fair209not asked5542Somewhat Fair415Very Unfair2374Somewhat Unfair96UNF:6:Ua9snsbvgtiKQOQLFDlrwg==LENDER uses personal information -- How often the person pays the rent on time0.05.6091324200913241095.09.09.0.3.54117961783072751.08skipped04Somewhat Unfair283Neither Fair nor Unfair712Somewhat Fair1895Very Unfair501Very Fair2039not asked554UNF:6:M93m5JQPDmioDkhmmd+CgQ==LENDER uses personal information -- A record of what the person buys at the grocery store0.09.02.56168300716645279.01.06.5890410958904111095.0.9not asked5548skipped03Neither Fair nor Unfair1224Somewhat Unfair845Very Unfair2912Somewhat Fair281Very Fair16UNF:6:JwgsGTQYCvk2j9iEdxM7AA==LENDER uses personal information -- How many speeding tickets a person gets3.0504857959613023.6.1378995433789951095.09.09.01.00.04Somewhat Unfair929not asked5548skipped02Somewhat Fair1141Very Fair683Neither Fair nor Unfair1325Very Unfair135UNF:6:vAUkkxKBu0r6pfAaMu3CEw==LENDER uses personal information -- The zip code a person lives in9.0.1.06.3388127853881270.02.83509290650270171095.09.08skipped09not asked5541Very Fair323Neither Fair nor Unfair1454Somewhat Unfair985Very Unfair1882Somewhat Fair78UNF:6:mCA7McKlpGUW/4MvKgLWWg==LENDER uses personal information -- How often the person pays the child care bill on time5.823744292237443.0.09.01095.01.09.03.35866129752898962Somewhat Fair1583Neither Fair nor Unfair1031Very Fair1468skipped04Somewhat Unfair509not asked5545Very Unfair84UNF:6:nUbJILEqRonekPrwprJV4Q==LENDER uses personal information -- Whether a person smokes1095.0.1.09.09.06.3579908675799090.02.82287398441893663Neither Fair nor Unfair1312Somewhat Fair711Very Fair385Very Unfair1998skipped04Somewhat Unfair1029not asked554UNF:6:WhNQFHoMy8U9Qibu0cobqw==Explain the thinking on car insurance charge base on car dataUNF:6:IDU9dX42oZOnX5ln2RWtkg==Explain the thinking on car insurance charge base on driving dataUNF:6:TKBlaojN6z1/rz2D4BwjpQ==Explain the thinking on car insurance charge base on credit informationUNF:6:85WAR0uXRlYLpqIitVzw4w==Explain the thinking on lending interest rate base on TV billUNF:6:EXy0RCbxL7dstuFe116VoA==Explain the thinking on lending interest rate base on child care billUNF:6:0kZSmhC1kWJKTVIN1fbZjA==Explain the thinking on lending interest rate base on utility billUNF:6:XF6ZpBf/Ho5OrKyPAO5aQA==Explain the thinking on car insurance charge base on number of living addressUNF:6:T3A2YLQNA1NVwkM0VD7iIw==Explain the thinking on lending interest rate base on number of living addressUNF:6:N/wZAOnjDdc2OHaKToyOMg==LENDER uses personal information -- The number of addresses a person has lived at in the past 5 years6.0054794520547959.01.01095.0.5.03.1006821097892010.08skipped03Neither Fair nor Unfair1222Somewhat Fair1534Somewhat Unfair1121Very Fair629not asked5415Very Unfair105UNF:6:ee67LgVPsLk6vkRM28SZRA==LENDER uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook1.01095.05.09.0.2.65760703006659646.47031963470319750.09not asked5418skipped04Somewhat Unfair862Somewhat Fair401Very Fair375Very Unfair2913Neither Fair nor Unfair100UNF:6:bFhmRxZ4glAs8d7C2uYjVw==LENDER uses personal information -- How often a person pays the cable TV bill on time3.44802309870072230.01095.01.0.5.09.05.6328767123287685Very Unfair508skipped02Somewhat Fair1851Very Fair1693Neither Fair nor Unfair909not asked5414Somewhat Unfair60UNF:6:8aAAJdpMJMr9DkUp8VxSaQ==LENDER uses personal information -- A person's credit report or credit score1.05.5150684931506859.05.00.01095.0.3.5438621875897165Very Unfair292Somewhat Fair1733Neither Fair nor Unfair909not asked5411Very Fair2138skipped04Somewhat Unfair49UNF:6:vlFgvKATSqP2m4tUYuNulQ==LENDER uses personal information -- How much money a person makes.5.6018264840182650.01.09.03.4831005366329021095.05.04Somewhat Unfair403Neither Fair nor Unfair771Very Fair1839not asked5418skipped02Somewhat Fair1935Very Unfair61UNF:6:06012IRcyNZZPe51ZO3t8w==LENDER uses personal information -- How often the person pays the utility bill on time5.5278538812785385.5.09.01095.03.53862216865367961.00.02Somewhat Fair1734Somewhat Unfair473Neither Fair nor Unfair845Very Unfair379not asked5418skipped01Very Fair213UNF:6:9CFDn2wDrZ0OfOfG5roTew==LENDER uses personal information -- A person's sex/gender.0.05.09.01095.06.5305936073059362.60268549155796561.08skipped01Very Fair332Somewhat Fair429not asked5415Very Unfair3414Somewhat Unfair463Neither Fair nor Unfair92UNF:6:BgoL9dDekhleybxfB5bmMQ==LENDER uses personal information -- A person's race/ethnicity6.57990867579908741095.09.01.00.05.02.5494663726103264.4Somewhat Unfair613Neither Fair nor Unfair681Very Fair362Somewhat Fair315Very Unfair3589not asked5418skipped0UNF:6:kr5llVTJFRYhjaFSFSbB5Q==LENDER uses personal information -- Which web sites a person visits9.06.5013698630136982.6214116145736421095.00.05.0.1.04Somewhat Unfair683Neither Fair nor Unfair1055Very Unfair3102Somewhat Fair429not asked5418skipped01Very Fair29UNF:6:+RZhtHrRfljWl3kB+s9N2w==LENDER uses personal information -- What subject the person studied in college (i.e., a person's major)5.01.00.09.06.4237442922374422.70103620315448.1095.03Neither Fair nor Unfair1044Somewhat Unfair1039not asked5411Very Fair362Somewhat Fair508skipped05Very Unfair261UNF:6:/zBV2E2w3h1a7OumsTveTQ==LENDER uses personal information -- How often the person pays the rent on time5.00.05.4100456621004563.63620951686835.9.01.01095.01Very Fair2624Somewhat Unfair409not asked5418skipped02Somewhat Fair1695Very Unfair233Neither Fair nor Unfair60UNF:6:FUidzi9TLJbbVOKHweasbw==LENDER uses personal information -- A record of what the person buys at the grocery store1.00.06.481278538812786.5.02.6473687758116129.01095.02Somewhat Fair444Somewhat Unfair743Neither Fair nor Unfair1009not asked5411Very Fair345Very Unfair3028skipped0UNF:6:36M4FpBJhn3OWBexs7biJw==LENDER uses personal information -- How many speeding tickets a person gets0.02.99658327494833141.09.01095.0.5.06.1296803652968035Very Unfair1431Very Fair644Somewhat Unfair1343Neither Fair nor Unfair1022Somewhat Fair1118skipped09not asked541UNF:6:KGxWzBxW/Ts3mHL/04OamA==LENDER uses personal information -- The zip code a person lives in9.06.3159817351598175.00.0.1.01095.02.81720204260244169not asked5411Very Fair465Very Unfair2243Neither Fair nor Unfair1178skipped04Somewhat Unfair982Somewhat Fair69UNF:6:ExhjKBn0NU3h+nu6bpPEAQ==LENDER uses personal information -- How often the person pays the child care bill on time3.46195262702315131095.05.621004566210045.0.05.09.01.04Somewhat Unfair698skipped03Neither Fair nor Unfair869not asked5411Very Fair1842Somewhat Fair1695Very Unfair46UNF:6:RJvgSjnIwUxZzWYjMpmUsA==LENDER uses personal information -- Whether a person smokes1.00.05.0.9.02.81539869771910576.3132420091324191095.01Very Fair443Neither Fair nor Unfair1244Somewhat Unfair1019not asked5415Very Unfair2188skipped02Somewhat Fair67UNF:6:OW5qAzR9u4v9gdxgHGf3KA==CAR INSURANCE COMPANY uses personal information -- A person's accident history3.67410749552293051.00.0.5.01095.09.05.3726027397260283Neither Fair nor Unfair465Very Unfair329not asked5414Somewhat Unfair248skipped02Somewhat Fair1681Very Fair284UNF:6:aehoELhYUyUnUsFH5EoDvA==CAR INSURANCE COMPANY uses personal information -- How many speeding tickets a person gets1.03.61599595932550875.44566210045662.1095.05.09.00.05Very Unfair368skipped01Very Fair2589not asked5412Somewhat Fair1634Somewhat Unfair393Neither Fair nor Unfair58UNF:6:Tf9sc4180Fk6kthcm5jITA==CAR INSURANCE COMPANY uses personal information -- A person's connections, posts and "likes" on social media sites like Facebook9.02.54663088392258350.06.566210045662101.5.01095.01.03Neither Fair nor Unfair802Somewhat Fair328skipped09not asked5411Very Fair274Somewhat Unfair855Very Unfair330UNF:6:8r9k+mP9vLSjx9iVPqZL9w==CAR INSURANCE COMPANY uses personal information -- The number of addresses a person has lived at in the past 5 years5.01095.0.2.90195079919996651.00.09.06.2283105022831058skipped03Neither Fair nor Unfair1101Very Fair462Somewhat Fair1034Somewhat Unfair1069not asked5415Very Unfair189UNF:6:HsT2xAmdc7737MvxSrdo7A==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks how much they slam on the brakes, accelerate hard, and turn sharply while driving5.8127853881278539.03.2981936506226111095.05.00.01.0.3Neither Fair nor Unfair969not asked5415Very Unfair921Very Fair1184Somewhat Unfair672Somewhat Fair1818skipped0UNF:6:31ql5To1yeOAPuHKp0Tkfw==CAR INSURANCE COMPANY uses personal information -- A person's credit report or credit score9.05.9762557077625571.03.15379441940266065.01095.0.0.05Very Unfair1269not asked5413Neither Fair nor Unfair1032Somewhat Fair1441Very Fair928skipped04Somewhat Unfair89UNF:6:4TUARPXmTfmmsdNYtuIg0Q==CAR INSURANCE COMPANY uses personal information -- How much money a person makes.5.01095.01.00.09.02.9792685630906126.1616438356164384Somewhat Unfair988skipped05Very Unfair1803Neither Fair nor Unfair941Very Fair602Somewhat Fair1229not asked541UNF:6:DfSt1LVKTVeiEYJmzJWTrQ==CAR INSURANCE COMPANY uses personal information -- A person's level of education (e.g., high school, college)6.377168949771695.01.01095.09.00.0.2.75329771092017158skipped04Somewhat Unfair1012Somewhat Fair775Very Unfair2489not asked5413Neither Fair nor Unfair941Very Fair34UNF:6:FddVA+vIzV2ZjL9sIcAFHA==CAR INSURANCE COMPANY uses personal information -- A person's sex/gender2.61333073872026931.09.06.5159817351598171095.05.00.0.3Neither Fair nor Unfair995Very Unfair3291Very Fair304Somewhat Unfair519not asked5412Somewhat Fair458skipped0UNF:6:irqWLoUnfY/bdc9ZbLCuzQ==CAR INSURANCE COMPANY uses personal information -- A person's race/ethnicity5.00.09.02.485190918214818.1.01095.06.6246575342465769not asked5418skipped04Somewhat Unfair531Very Fair232Somewhat Fair305Very Unfair3733Neither Fair nor Unfair75UNF:6:ndOQT0BpIQ1XjPd7JVri7Q==CAR INSURANCE COMPANY uses personal information -- Which web sites a person visits2.5075389071987084.1095.00.06.65.01.09.05Very Unfair3442Somewhat Fair241Very Fair278skipped09not asked5413Neither Fair nor Unfair734Somewhat Unfair86UNF:6:ypoWJ7uvu5Am6zKUTcdBVg==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks where they drive0.01.06.1598173515981741095.0.5.09.02.98090080667906851Very Fair623Neither Fair nor Unfair902Somewhat Fair1208skipped05Very Unfair1769not asked5414Somewhat Unfair106UNF:6:bUzkyptkXSwqbA7oWxzMvA==CAR INSURANCE COMPANY uses personal information -- A record of what the person buys at the grocery store2.5027788351030586.6091324200913239.01095.00.0.1.05.08skipped01Very Fair265Very Unfair3612Somewhat Fair283Neither Fair nor Unfair754Somewhat Unfair649not asked541UNF:6:2MdnlxtLsU299dgcNLe2Zg==CAR INSURANCE COMPANY uses personal information -- Whether a person rents or owns their home1.02.8302587417951270.06.3031963470319645.0.9.01095.09not asked5413Neither Fair nor Unfair1118skipped01Very Fair454Somewhat Unfair1012Somewhat Fair785Very Unfair219UNF:6:Z0vYYbWqDUVCxUqjPbFOGA==CAR INSURANCE COMPANY uses personal information -- Data from a device in the person's car that tracks what time of day or night they drive0.09.03.0160755673396231095.05.01.06.117808219178083.9not asked5411Very Fair612Somewhat Fair1318skipped04Somewhat Unfair973Neither Fair nor Unfair1035Very Unfair162UNF:6:wDqubvTuxoWAKxfbieSxtQ==CAR INSURANCE COMPANY uses personal information -- The zip code a person lives in1095.01.00.02.938731701787811.6.2073059360730599.05.02Somewhat Fair1099not asked5413Neither Fair nor Unfair984Somewhat Unfair878skipped01Very Fair585Very Unfair202UNF:6:eI1XzZ/XyzcWxyb36/WR0w==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your accident history.3.21338093514981970.05.01.09.05.9287671232876711095.01A Lot More1305A Lot Less1262Somewhat More1109not asked5414Somewhat Less793Neither More nor Less1098skipped0UNF:6:j8um8qJEZwG9v9HS98EowA==CAR INSURANCE COMPANY would charge less or more if had personal information -- How many speeding tickets you get.9.00.05.01095.01.03.2328532643101725.9187214611872141A Lot More1415A Lot Less1369not asked5413Neither More nor Less994Somewhat Less692Somewhat More1098skipped0UNF:6:gqAQlnVeoNwd/XnPX6U85w==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your connections, posts and "likes" on social media sites like Facebook6.042009132420091.3.00305566196739231.05.01095.00.09.04Somewhat Less455A Lot Less779not asked5412Somewhat More583Neither More nor Less3468skipped01A Lot More28UNF:6:flDn/0NLFqwY9nf6XHjHug==CAR INSURANCE COMPANY would charge less or more if had personal information -- The number of addresses you have lived at in the past 5 years3.0425348570994646.0273972602739741095.05.0.0.01.09.09not asked5414Somewhat Less865A Lot Less838skipped01A Lot More432Somewhat More973Neither More nor Less245UNF:6:93w+qlIk1I3cFbYUs9/52w==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks how much you slam on the brakes, accelerate hard, and turn sharply while driving.9.00.01.05.01095.03.16119199420699955.943378995433791A Lot More925A Lot Less918skipped09not asked5412Somewhat More1163Neither More nor Less1604Somewhat Less95UNF:6:eXowMiMgCks0TGi30sgMDA==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your credit report or credit score1095.03.1444086251891330.09.05.9452054794520555.01.0.1A Lot More842Somewhat More993Neither More nor Less2048skipped05A Lot Less799not asked5414Somewhat Less88UNF:6:9woiHL/kJxq0DNsxGW0idQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- How much money you make9.01095.0.0.05.03.1090981593172781.05.9406392694063921A Lot More475A Lot Less508skipped03Neither More nor Less2774Somewhat Less749not asked5412Somewhat More106UNF:6:Mm2a7fDZ7cPREEDuhMY3UQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your level of education (e.g., high school, college)1.05.00.0.9.01095.06.0401826484018273.0200778413322322Somewhat More803Neither More nor Less2615A Lot Less709not asked5414Somewhat Less1031A Lot More408skipped0UNF:6:rJdxq9D/ikdGtrh3OE9hXA==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your sex/gender5.9726027397260270.09.03.0801567664394371095.05.0.1.08skipped04Somewhat Less815A Lot Less599not asked5412Somewhat More1183Neither More nor Less2601A Lot More36UNF:6:zqYSlLbF4oL/6Twyzl8x6g==CAR INSURANCE COMPANY would charge less or more if had personal information -- Your race/ethnicity6.0319634703196353.0194193659745719.00.01095.01.0.5.01A Lot More318skipped02Somewhat More784Somewhat Less663Neither More nor Less3059not asked5415A Lot Less74UNF:6:E4oMAx5+sl3Zi7cZxVjebA==CAR INSURANCE COMPANY would charge less or more if had personal information -- Which web sites you visit.5.01095.09.00.02.9660482556013486.0776255707762561.04Somewhat Less432Somewhat More498skipped01A Lot More213Neither More nor Less3559not asked5415A Lot Less86UNF:6:O9yKD+nPgNVJkwoPqyQWfw==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks where you drive.0.01095.05.9853881278538823.0953415210068021.09.05.04Somewhat Less785A Lot Less873Neither More nor Less2158skipped01A Lot More559not asked5412Somewhat More119UNF:6:rzazBV00C9uW2S1YFRGvFA==CAR INSURANCE COMPANY would charge less or more if had personal information -- A record of what you buy at the grocery store1095.09.02.97585580629118736.0730593607305941.00.05.0.3Neither More nor Less3461A Lot More282Somewhat More465A Lot Less878skipped09not asked5414Somewhat Less47UNF:6:MAtZDYuOSQ6DrkXJ/jJqmA==CAR INSURANCE COMPANY would charge less or more if had personal information -- Whether you rent or own your home1.09.00.05.987214611872146.3.074905953373161095.05.04Somewhat Less822Somewhat More933Neither More nor Less2631A Lot More495A Lot Less679not asked5418skipped0UNF:6:Sw/5ClWZP0d4MlG4mGXtOQ==CAR INSURANCE COMPANY would charge less or more if had personal information -- Data from a device in your car that tracks what time of day or night you drive.9.01095.00.03.06299916547594946.0109589041095895.01.08skipped02Somewhat More1073Neither More nor Less2261A Lot More485A Lot Less814Somewhat Less929not asked541UNF:6:zYp5mGc6lAA6lNu+FILS9w==CAR INSURANCE COMPANY would charge less or more if had personal information -- The zip code you live in0.0.9.01.05.03.10658216066205075.9479452054794521095.02Somewhat More1171A Lot More459not asked5413Neither More nor Less2594Somewhat Less778skipped05A Lot Less56UNF:6:D91NVciYG0sjCHQyzIWGEg==Explain the thinking on car insurance charge base on car data (1)UNF:6:vVqsneiFvv/x4iAEPv6cwQ==Explain the thinking on car insurance charge base on driving data (1)UNF:6:vEg89hw+e3YuJlQgiWk/2w==Explain the thinking on car insurance charge base on credit information (1)UNF:6:GYrzyOJA8IQPwgjK0Fmg0Q==Explain the thinking on lending interest rate base on TV bill (1)UNF:6:KQEBybIFNBq2ZTClZVFBVA==Explain the thinking on lending interest rate base on child care bill (1)UNF:6:W95Ie0mYgFzwmL127TTgZA==Explain the thinking on lending interest rate base on utility bill (1)UNF:6:wWWKdP50DSKEW5ZHXdxfLA==Explain the thinking on car insurance charge base on number of living address (1)UNF:6:jNiCGpXSgEtokTFFYnMJIw==Explain the thinking on lending interest rate base on number of living address (1)UNF:6:tcvn6GuIBNZ2s2QyKxUzig==Control on moving to new place -- When it comes to moving, people have...1.05.00.01095.00.95606315057642252.6273972602739724.3.09not asked044928skipped01Total Control 114233507223085No Control at All 546UNF:6:C/Amsh42vk7W+mSoqVWqLQ==Life affect by own action or outside factor -- People's lives are shaped by...1.03.05.02.44657534246575371.0317734052206020.01095.0.334148skipped09not asked0223125Factors Outside of Their Control 5391Own Actions 12344496UNF:6:1lYirF4UBpQa1Z1P+KdQhQ==Have car insurance3.0.1095.01.21369863013698521.01.00.46445356282219860.08skipped03Not sure/don't know261Yes8872No1829not asked0UNF:6:LihoHOMMPf9j3wtBZKxpLA==Difficulty to find affordable car insurance.1.9570776255707770.01.02.01095.04.00.70709556589400529not asked03Not applicable/never tried to get car insurance1372No6608skipped04Not sure/don't know381Yes260UNF:6:pEW67E/swrZUzgdBAF817w==Borrowed money0.00.59318938688305093.0.1.01.43378995433790071095.01.08skipped03Not sure/don't know581Yes6782No3599not asked0UNF:6:PNl33h6UF/To0Scu9xlKEQ==Difficulty to find affordable loan0.7798519678010372.01095.04.0.2.04931506849315251.00.09not asked04Not sure/don't know458skipped01Yes2623Not applicable/never tried to get a loan2262No562UNF:6:GdNQibf0couBzqvdSMfZGQ==Importance of privacy -- Privacy is...0.67252648285600465.00.01.0.1.31141552511415531095.01.08skipped04Somewhat Unimportant155Very Unimportant81Very Important8453Neither Important nor Unimportant372Somewhat Important1909not asked0UNF:6:bQ6bvQwrcFW7peei408sLw==Concern about threats to personal privacy -- I am...1.01.01095.00.71571896546391220.01.56986301369863024.0.2Somewhat Concerned3951Very Concerned5963Not Very Concerned838skipped09not asked04Not Concerned at All21UNF:6:rZ37Ty4ZcEw8hUn5mFmhOA==Living area1.03.01095.02.02283105022831042.00.00.7554973565193753.2Suburban4703Rural3259not asked08skipped01Urban300UNF:6:YkoCbYmxbpSihhwbTgrhpg==Agreement on statement -- Business helps more than harms1095.00.01.00.80543822057997524.02.10593607305936062.0.2Agree Somewhat5509not asked01Agree Strongly2448skipped03Disagree Somewhat2424Disagree Strongly59UNF:6:eGQXMqDAb+Cwk2pw/cTxVA==Comment of surveyUNF:6:AxIhj3ncbFdDCgo2BaS6ow==Birth Year.0.01970.734246575342517.3417542468926772000.01095.01970.01926.0UNF:6:RWW4yg3nFD5t9kBOvPMlXw==Gender1.53333333333333390.49911561029848321.00.02.01095.02.0.8skipped01Male5112Female5849not asked0UNF:6:X0U55PX0AMgyjNYAWSvRcg==Race1.0.8.01.00.01095.01.68949771689497791.28925712484079345Native American104Asian276Mixed1799not asked098skipped08Middle Eastern11White7483Hispanic1452Black1267Other21UNF:6:vMWUTUFJDLEFSafMLlMmeA==Education0.01.50262654073299973.03.3470319634703146.0.1095.01.01No HS696Post-grad1153Some college25054-year2102High school graduate34942-year1029not asked08skipped0UNF:6:Du4zIYs+mhQ89bO6q0n7LA==Marital Status.6.01.01095.03.02.881278538812790.01.89065009423615752Separated211Married5013Divorced1276Domestic / civil partnership579not asked04Widowed565Never married3338skipped0UNF:6:JeAiBS2l2A6pNau2k4KJQg==Employment Status2.54416237324383544.09.0.3.65570776255707931095.00.01.07Homemaker724Unemployed643Temporarily laid off499not asked098skipped02Part-time1341Full-time3935Retired2289Other268Student766Permanently disabled98UNF:6:ZpcNlSjbESypAeZbggKayQ==Family income1095.019.823744292237453.1.032.896616389527297.07.00.05$40,000 - $49,9997897Prefer not to say1671Less than $10,0005711$120,000 - $149,999374$30,000 - $39,9991207$60,000 - $69,999763$20,000 - $29,99910698skipped08$70,000 - $79,9996912$150,000 - $199,9992915$350,000 - $499,99929$80,000 - $99,9998110$100,000 - $119,9996613$200,000 - $249,999196$50,000 - $59,9997799not asked016$500,000 or more114$250,000 - $349,99952$10,000 - $19,999105UNF:6:w8EjN0ijNmSgSR2nEnYJ8g==3 point party ID1.14783247366952135.01095.02.18538812785388141.0.2.00.09not asked03Independent3105Not sure658skipped04Other472Republican2771Democrat396UNF:6:M9mGripmiauWgXuLin+URw==7 point Party ID0.01095.03.87123287671232854.08.01.0.2.312995603420157898skipped07Strong Republican1834Independent1832Not very strong Democrat1205Lean Republican1079Don't know08Not sure4399not asked03Lean Democrat896Not very strong Republican941Strong Democrat276UNF:6:zTMG4YYcCU9eSfpyMHfxwg==State of Residence1095.00.0.56.028.0246575342465821.029.016.10421766341970390Prince Edward Island033New Hampshire689Ontario087Nova Scotia08Colorado2253Washington4685Newfoundland046South Dakota217Illinois405Arkansas14998skipped039Ohio5449Utah782British Columbia078Virgin Islands04Arizona2742Pennsylvania5472Puerto Rico030Montana540Oklahoma1232Nevada1125Massachusetts1035New Mexico927Minnesota226California9738North Dakota323Maine655Wisconsin1550Vermont120Kansas1391Quebec01Alabama2069Northern Mariana Islands010Delaware237North Carolina3019Iowa1851Virginia2848Texas7731Nebraska484New Brunswick041Oregon1460American Samoa056Wyoming281Alberta068Marshall Islands093Yukon Territory074U.S. Minor Outlying Islands064Federated States of Micronesia047Tennessee3113Georgia5224Maryland1599Not in the U.S. or Canada022Louisiana1266Guam016Idaho72Alaska512Florida6634New Jersey3426Michigan2870Palau045South Carolina1444Rhode Island718Indiana2454West Virginia383Manitoba021Kentucky2036New York599Connecticut911District of Columbia6999not asked086Northwest Territories088Nunavut028Mississippi615Hawaii229Missouri2492Saskatchewan0UNF:6:KBUszyvaMywapchur36hnQ==Voter Registration Status1095.01.15342465753424680.405880739968046971.00.0.1.03.09not asked02No1303Don't know191Yes9468skipped0UNF:6:Wf89WrxgmVqCVTN6xJmOMQ==Ideology6.03.3041095890410951.0.0.01095.03.01.49579896379213542Liberal1839not asked01Very liberal1525Very conservative1694Conservative1823Moderate3096Not sure1008skipped0UNF:6:/UyOwzkcKVCSTDj8FCyoow==Political Interest1.46277567351394940.01095.02.07.02.01187214611872321.0.3Only now and then1277Don't know542Some of the time2908skipped09not asked01Most of the time5444Hardly at all80UNF:6:npMbS+gybgBsWmOI8BCRAw==Religion4.3909532539349232.01095.0.12.04.8182648401826470.01.09Atheist744Eastern or Greek Orthodox95Jewish2899not asked02Roman Catholic2413Mormon1411Nothing in particular21098skipped012Something else517Buddhist91Protestant4038Hindu16Muslim910Agnostic46UNF:6:1rSci+57R7De1CodNbVdkQ==Church attendance (Pew version)1.01.74598977522086864.11689497716895055.0.1095.07.00.05Seldom2401More than once a week854A few times a year1553Once or twice a month952Once a week2097Don't know346Never2779not asked08skipped0UNF:6:o/pj+NRrllZ+LOQwSpxw5g==Born Again (Pew version)0.45415944323529742.01095.00.01.01.709589041095891.2.09not asked08skipped01Yes3182No777UNF:6:71/EvUSVSFNesZeGs28sww==Importance of religion (Pew version)1095.02.01.1326980400940774.2.1552511415525114.01.00.08skipped02Somewhat important2894Not at all important2081Very important4223Not too important1769not asked0UNF:6:zYHNJzP+AESdAMdK+iYUMg==Frequency of Prayer (Pew version)2.41476817176088958.03.7105022831050211095.00.03.01.0.1Several times a day3148Don't know3599not asked02Once a day1544Once a week3098skipped03A few times a week1447Never1755A few times a month746Seldom169UNF:6:+3KEkFV9jgHXgaFrbtWsOg==Questionnaire Start TimeUNF:6:8+BsoHVOvXRJK4DSeQCamQ==Questionnaire End TimeUNF:6:a8JassPGDvN8O3lJ2lTgkw==HARV0032_codebook.pdfapplication/pdf