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Changes in vehicle technology and driver habits are fundamentally altering risk profiles.

: While AI quote analysis is advancing, consumer-facing chatbots are still noted for being "robotic" and are undergoing further development to meet experience standards. 5. Regulatory and Reporting Requirements auto*insur

: Over 45% of active policies were shopped at least once in 2024, the highest rate ever recorded. Changes in vehicle technology and driver habits are

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