1. A computer-implemented method of comparing insurance premiums of at least two insurance companies, comprising: providing a plurality of rating factors, each of the rating factors at least partially defining a risk, each of the rating factors having at least two possible values; selecting at least one of the rating factor values for each of the plurality of rating factors based on a first predetermined distribution of rating factor values for each of the plurality of rating factors; generating a plurality of entities representing parties to be insured, each of the entities defined at least in part by the selected rating factor values and independent from another one of the entities; retrieving premium calculation data of a first insurance provider from a memory coupled to a processor; calculating a premium of the first insurance provider, the premium of the first insurance provider at least partially based upon the premium calculation data of the first insurance provider and the generated plurality of entities; retrieving premium calculation data of a second insurance provider from the memory coupled to the processor; and calculating a premium of the second insurance provider, the premium of the second insurance provider at least partially based upon the premium calculation data of the second insurance provider and the generated plurality of entities used to calculate the premium of the first insurance provider.