Vehicle Insurance Rate Algorithm

I want to develop a vehicle insurance program, I know there are a roughly half-dozen to a dozen factors that are factored to calculate the rate, but I can't find any vehicle insurance algorithms on the internet. It doesn't have to be overly accurate, I'm not starting an insurance company, a basic formula will do, it'll give me something I can work off of to create the program. If anyone can post a vehicle insurance algorithm I'd really appreciate it.
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