In China, owning a white car could lower your insurance premiums. SunCar Technology Group uses AI from ByteDance to analyze data and find white vehicles have fewer accidents. “This is what we found based on our massive data,” said SunCar’s chief strategy officer Breaux Walker. The AI also looks at how much you drive, your routes, and your driving style. For example, "Making turns at more dangerous intersections will translate into a higher quotation," Walker added. Where you live matters too. Walker said, "If a Tesla owner lives right next to a Tesla repair shop, the quote for that person is going to be lower than someone who lives in the next province." This personalized approach is changing how car insurance works in China.