public static void AssignOptionsRiskLevels()
{
using (var db = new Models.InsuranceQuoteDBEntities())
{
foreach (Models.AutoOption item in db.AutoOptions)
{
int?hp = item.Horsepower;
int?weight = item.CurbWeightLbs;
int?price = item.PriceDollars;
hp = hp is null ? 200 : hp; //if null, use 200 HP
weight = weight is null ? 3000 : weight; //if null, use 3000 lbs
price = price is null ? 25000 : price; //if null, use $25,000
double risk = (double)hp / (double)weight * (double)price;
if (risk < 2000)
{
item.OptionRiskLevelId = 1; //low risk
}
else if (risk < 5000)
{
item.OptionRiskLevelId = 2; //moderate risk
}
else if (risk < 10000)
{
item.OptionRiskLevelId = 3; //high risk
}
else if (risk < 15000)
{
item.OptionRiskLevelId = 4; //very high risk
}
else
{
item.OptionRiskLevelId = 5; //extreme risk
}
}
_ = db.SaveChanges();
}
}
public static decimal GetPriceQuote(Models.Quote quote)
{
//From an insurance (and maintenance) standpoint, the following logic could be greatly improved
//but it's what was called for. We'll go along with it for demo purposes.
//We've also separate conditions that could be combined to ease future alterations.
decimal price = 0m;
if (quote.CoverageID == 1 || quote.CoverageID == 3) //lowest liability coverage
{
price += 50m;
}
else if (quote.CoverageID == 2 || quote.CoverageID == 4) //higher liability coverage
{
price += 75m;
}
using (var db = new Models.InsuranceQuoteDBEntities())
{
//////////////////User's Age//////////////////////
DateTime dob;
if (Visitor.IsVisitor(quote.CustomerID))
{
//this query will only contain one element since (DrivingHistoryID) is a key
dob = (DateTime)db.VisitorSessions.Where(x => x.DrivingHistoryId == quote.DrivingHistoryID).First().DateOfBirth;
}
else
{
dob = (DateTime)db.Customers.Find(quote.CustomerID).DateOfBirth;
}
double ageYears = ((DateTime)quote.DateIssued - dob).TotalDays / 365.25;
//age could differ from legal age by approx 8 hours depending on where leap year lands
if (ageYears < 18)
{
price += 100m;
}
else if (ageYears < 25)
{
price += 25m;
}
else if (ageYears > 100)
{
price += 100m;
}
////////////////////Model Year//////////////////
var autoModel = db.AutoModels.Find(quote.AutoModelID);
var autoMake = db.AutoMakes.Find(autoModel.AutoMakeID);
var autoOption = db.AutoOptions.Find(quote.AutoOptionID);
if (autoModel.ModelYear < 2000)
{
price += 25m;
}
else if (autoModel.ModelYear > 2015)
{
price += 25m;
}
//The following logic approximates the logic that was called for but works better for
//all makes and models and incorporates risk factors based on horsepower, curb weight, and MSRP (retail price)
////////////////////Auto (vehicle) Risk Factors/////////////////////
switch (autoMake.MakeRiskLevelID)
{
case 1: //low, do nothing
break;
case 2: //moderate
price += 12.50m;
break;
case 3: //high
price += 25m;
break;
default: //higher, doesn't currently exist
price += 50m;
break;
}
switch (autoModel.ModelRiskLevelID)
{
case 1: //low, do nothing
break;
case 2: //moderate
price += 12.50m;
break;
case 3: //high
price += 25m;
break;
default: //higher, doesn't currently exist
price += 50m;
break;
}
if (autoOption != null) //option package is not required
{
switch (autoOption.OptionRiskLevelId)
{
case null:
case 1: //low, do nothing
break;
case 2: //moderate
price += 10m;
break;
case 3: //high
price += 20m;
break;
case 4: //very high
price += 30m;
break;
case 5: //extreme
price += 40m;
break;
default: //higher, doesn't currently exist
price += 50m;
break;
}
}
///////////////////Driving History/////////////////////////
var cdh = db.CustomerDrivingHistories.Find(quote.DrivingHistoryID);
price += (decimal)cdh.NumSpeedingTickets * 10m; //increase $10 for each speeding ticket
if (cdh.NumDUIs > 0)
{
price *= 1.25m; //increase by 25%
}
}
//////////////////Full Coverage Options////////////////////
if (quote.CoverageID == 3) //high deductible
{
price *= 1.25m; //increase by 25%
}
else if (quote.CoverageID == 4) //low deductible
{
price *= 1.5m;
}
return(price);
}
