Eventually, the research results have shown that for the new customers, the insurance premium will be established
while considering a series of risk factors, like age and profession of the insured, purpose of vehicle usage, bonusmalus
coefficient and the age of the insurance contract. Therefore, within the analyzed insurance portfolio, a
decrease of the pure premium is observed along with an increase of the insured’s age and the age of the insurance
contracts, and also an increase along with the bonus-malus coefficient growth