The invention discloses a vehicle insurance quotation optimization method and device, equipment and a storage medium. The method comprises the steps that first
evaluation data are acquired, and the first
evaluation data at least comprise vehicle basic data, personnel basic data and behavior basic data corresponding to a target vehicle, and regional risk data and historical compensation data of a
city region to which the target vehicle belongs; and according to the first
evaluation data and a pre-trained target fusion pricing model, performing comprehensive modeling by combining supervision of the prefecture and city golden supervision bureau, insurance industry
collaboration, a prefecture and city active adjustment business structure, previous three to five-year historical compensation
payment data of the prefecture and city, head guarantee pricing data and third-party prefecture and city same-industry settled compensation
payment data, and determining a quotation evaluation factor. And determining a vehicle insurance quotation corresponding to the target vehicle according to the quotation evaluation factor. The vehicle insurance fine pricing
system is optimized, the accuracy, flexibility and efficiency of vehicle insurance pricing are improved, the method is more suitable for second and third companies, and better-quality services are provided for clients.