Which aspect is NOT considered when determining driver’s insurance rates in Guam?

When determining a driver's insurance rates in Guam, personal communication skills are not considered as a factor. Insurance rates are primarily influenced by elements that quantify risk, such as driving history, which reflects an individual's past behavior behind the wheel and indicates potential future risk. The type of vehicle plays a significant role as well because different vehicles have varying safety records, repair costs, and likelihood of theft, all of which affect insurance premiums. Additionally, location is relevant since certain areas may have higher rates of accidents or theft, influencing the likelihood of claims.

In contrast, personal communication skills do not correlate with driving risk or the likelihood of filing a claim, making them irrelevant in the context of determining insurance costs. Insurers focus on quantifiable data that can predict future risks rather than subjective attributes like communication abilities.