TY JOUR TI MODELING INSURANCE PRICING POLICIES USING CLUSTER AND REGRESSION ANALYSIS KW insurance KW insurance policy KW pricing KW cluster analysis KW regression modeling KW econometrics KW tariff policy KW forecasting JO MOSCOW ECONOMIC JOURNAL AU Igonina, T.R. AU Keselman, V.M. AU Dzhioeva, M.I. AU Voronov, G.B. PY 2026 IS 11 PB Electronic science