[ArnoVW]

All of those things are for sure taken into account, but the key input for pricing is:

  - type / year / color of car (gives price and your attitude)
  - how many km driven / year (no risk if it stays always on your drive!)
  - where is it parked

A small anecdote: I did a project for an insurer once. When we discussed the extreme detail the actuarials wanted for each policy, the client remarked half jokingly that the color + engine size was almost enough for the actuarial model.