Vermont Automobile Manual - MiddleOak

Policy issued by Commerce Insurance Company – [Webster, MA]

Vermont

Automobile

Manual

Vermont Automobile I

Vermont Automobile II

TABLE OF CONTENTS Page

INTRODUCTION……………………………………………………………………………………………..1

UNDERWRITING PHILOSOPHY STATEMENT 2

REQUIRED AUTOMOBILE QUESTIONNIARES AND FORMS 3

POINTS TO REMEMBER 3

ELIGIBILITY 4, 5

BASIC PROGRAM ELIGIBILITY 4

VEHICLE ELIGIBILITY 4

UNACCEPTABLE DRIVING HISTORY 4-5

UNACCEPTABLE/CONCERNED VEHICLES 6

UNACCEPTABLE VEHICLE LISTING 6

CONCERENED VEHICLE LISTING 7

DISCOUNTS 8 - 11

ACCOUNT DISCOUNT 8

AFFINITY DISCOUNT 8

ANTI-THEFT DEVICE DISCOUNT 8

CAREFUL DRIVER DISCOUNT 9

COMPANY CAR DISCOUNT 9

EFT DISCOUNT 9

HOME OWNERSHIP 9

HOUSEHOLD COMPOSITION FACTOR 9

LOSS FREE DISCOUNT 9

MORE VEHICLES THAN DRIVER CREDIT 9

MULTI-CAR DISCOUNT 10

NON-SMOKER DISCOUNT 10

PAID IN FULL DISCOUNT 10

PASSIVE RESTRAINT DISCOUNT 10

YOUTHFUL OPERATOR DISCOUNTS

TEEN CONTRACT WITH MMA

10

GOOD STUDENT DISCOUNT 10

EXTENDED STUDENT DISCOUNT 11

DRIVER TRAINING DISCOUNT 11

STUDENT OVER 100 MILES FROM HOME DISCOUNT 11

OPTIONAL COVERAGES 12 – 19

ARTISAN CLASS 12

AUDIO/VISUAL AND ELECTRONIC DATA EQUIPMENT 12

CLASSIC/ANTIQUE CAR 12 - 14

CORPORATE OWNED AUTOMOBILES 14

Vermont Automobile 3

TABLE OF CONTENTS

CUSTOMIZED EQUIPMENT

Page

14, 15

DAMAGE TO YOUR AUTO 15

EXTENDED NON-OWNED 15

EXTENDED TRANSPORTATION 16

FULL SAFETY GLASS COVERAGE 16

INCREASED DEDUCTIBLE FACTOR 16, 17

INCREASED LIMITS FOR EXCESS SOUND REPRODUCING EQUIPMENT 17

LOAN/LEASE COVERAGE 17

MEDICAL PAYMENTS 17

MOTOR HOMES 18

STATED AMOUNT 18

TOWING AND LABOR 18

TRAILERS DESIGNED FOR USE WITH PRIVATE PASSENGER AUTOMOBILES 19

UNINSURED/UNDERINSURED MOTORIST COVERAGE 19

RATING RULES 20 - 40

GENERAL RATING RULES

PREMIUM DETERMINATION

20

RATE FACTOR CLASSIFICATION 20, 21

USE CLASSIFICATION – COMMERCE AUTOSURANCE PROGRAM 21 - 23

AGE, SEX AND MARITAL STATUS CLASSIFICATION 23 - 25

USE CLASSIFICATION – ALL OTHER PROGRAMS 25, 26

AGE, SEX AND MARITAL STATUS CLASSIFICATION 26 - 28

RULES FOR DETERMINING PHYSICAL DAMAGE BASE RATES FOR SYMBOLS

NOT DISPLAYED ON STATE RATE PAGES 28, 29

CHANGES 29

CANCELLATION 29

SUSPENSION OF COVERAGE 29

MINIMUM PREMIUM 30

WHOLE DOLLAR PREMIUM 30

RATING TERRITORIES 31 - 37

SAFE DRIVER INSURANCE PLAN (SDIP) 38 - 42

ELIGIBILITY 38

DEFINITIONS 38 – 40

EXPERIENCE PERIOD 40

DRIVING RECORD SUB CLASSIFICATIONS 41

MULTI-CAR RISKS 41

ADMINISTRATION OF SDIP 41

PERSONAL LINES AUTO VIOLATION REFERENCE GUIDE 42



COST NEW SYMBOL RATING 43, 44

RATES AND RATE CHARTS R1 – R53

STATISTICAL CODES AND RATING FACTORS R1 – R32

COMMERCEAUTOSURANCE PROGRAM R1 – R6

ASSURANCE R7 – R9

MASTER R10 – R12

SUPER PREFERRED R13 – R15

SUPER PREFERRED SELECT R16 – R18

PREFERRED R19 – R21

PREFERRED SELECT R22 – R24

STANDARD R25 – R27

STANDARD SELECT R28 – R30

EXTENDED STUDENT – COMMERCE AUTOSURANCE PROGRAM R31

EXTENDED STUDENT – ALL OTHER PROGRAMS R32

BASE RATES R33 – R35

COMMERCE AUTOSURANCE PROGRAM R33

ASSURANCE R33

MASTER R33

SUPER PREFERRED R34

SUPER PREFERRED SELECT R34

PREFERRED R34

PREFERRED SELECT R35

STANDARD R35

STANDARD SELECT R35

MODEL YEAR/SYMBOL FACTORS R36 –R47

COMMERCE AUTOSURANCE PROGRAM R36 – R39

ASSURANCE, MASTER R40 – R43

SUPER PREFERRED, SUPER PREFERRED SELECT, PREFERRED,

PREFERRED SELECT, STANDARD, STANDARD SELECT R44 – R47

RATING FACTOR CHARTS R43 – R53

CHART #1 - CAREFUL DRIVER CREDIT R48

CHART #2 – FINANCIAL RESPONSIBILITY R49

CHART #3 - HOUSEHOLD COMPOSITION R49

CHART #4 – EXTENDED NON-OWNED R50

CHART #5 – EXCESS SOUND REPRODUCING / AUDIO / VISUAL

AND ELECTRONIC DATA EQUIPMENT R50

CHART #6 – UTILITY TRAILERS R51

CHART #7 – UM LIMIT FACTORS R51

CHART #8 – BI/PD/CSL INCREASED/DECREASED LIMIT FACTORS R51

CHART #9 – COMMERCE AUTOSURANCE PROGRAM TIER RELATIVITIES R52



CHART #10 – COMMERCE AUTOSURANCE PROGRAM LIABILITY SYMBOL RELATIVITIES.R53

APPENDIX A

FAIR CREDIT AND REPORTING ACT (FCRA) NOTIFICATION LETTER A1

INEXPERIENCED OPERATOR QUESTIONNAIRE WITH TEEN CONTRACT A2, A3

HEALTH STATEMENT A4

VAN & PICKUP QUESTIONNAIRE A5


INTRODUCTION

MAPFRE Insurance’s writing company, Commerce Insurance Company, offers a multivariate inte-grated

Personal Automobile Program providing (1) Personal Liability protection, including Uninsured

Motorist, (2) Physical Damage coverage for the insured vehicles, and (3) other Optional Coverages for

the policyholder.

The eligible policyholder is considered the Named Insured when the policy is written in that person’s

name. Additionally, that person’s spouse, if a member of the same household, is automatically

considered a Named Insured, even if the policy is not co-written in both spouses’ names. A

Corporation can be an Additional Insured using our Corporate Owned Auto Endorsement; however,

can not be the Named Insured.

The multivariate Automobile Program consists of multiple rating tiers containing a variety of risk

attribute elements.

The traditional rating classes of age, gender, and marital status, along with the usage classes have

been retained; yet expanded. There are more age and usage breaks, creating less rate differential

between the various rating brackets.

For this expanded Commerce Autosurance Program, the applicant or policyholder and household

members must match the Program Philosophy Statement characteristics and the Eligibility Criteria

that follows.


UNDERWRITING PHILOSOPHY STATEMENT

Commerce’s Personal Lines Automobile program is intended to provide the agent with an effective

means to compete, on a consistent basis against direct writers and large, locally domiciled, independent

agency competition for a broad segment of the personal Automobile marketplace. The intent of our

program is to tie in the client’s total personal insurance package using the “account development

concept” and retain the account through the household lifecycle.

The market is intended for the agent who has a strong, personal knowledge of his or her customer base.

The successful Commerce agent will practice an underwriting approach, which leads to sound selection

judgments, based on a combination of positive risk characteristics.

All risks should display responsibility, stability, and maturity. Risks displaying these qualities to a high

degree will generally be written in this multivariate rating program. Risk characteristics such as good

driving record, stable family life, employment record, stable financial history and record, responsible

social attitude, conservative life style, pride and maintenance of residence, and normal driving

exposures all assist in determining the presence of responsibility, stability, and maturity.

A co-operative effort is needed on the part of the agent and company if profitable results are to be

expected. We practice a “preventative” underwriting approach, which begins with the agent, our front-

line underwriter. We look to the agent for his/her personal knowledge and evaluation of each applicant

and exposure. Most importantly our agents must convey the picture of the insured and property to us

by an accurate and thoroughly completed application with supporting documents, where necessary.

Experience gained over the years has determined which book of business profiles are likely to produce

a profit. We record each new business submission and continuously review the quantity and quality,

contacting the agent if any adverse trends are developing. If there are adverse trends or classes of

business that could lead to unprofitable results, an action plan will be developed with the agent to

correct these trends. This is considered “preventative underwriting”.

The concept of constructive “inforce” underwriting is a normal extension of the “preventative”

approach necessary to develop a profitable book of business. Inforce underwriting is done through the

combined efforts of the Claims, Sales, and Underwriting Departments. All relevant claim and policy

information is conveyed to the Underwriting Department on a regular basis so the risk can be

thoroughly developed. With this emphasis on “preventative” underwriting, we are confident that we

are in a good position to develop a consistently profitable book of business.

REQUIRED AUTOMOBILE QUESTIONNAIRES & FORMS

ACORD Application – required with all new automobile applications signed and dated by the named

insured and the licensed appointed agent of record. This is to be retained in the agency file. (see Appendix

A1)

Health Statement – for all insureds age 75 and over, signed and dated by the insured. This must be

sent to the company within 30 days of the effective date. (see Appendix A4)

Youthful Operator Questionnaire – front & back of form (excluding Teen Contract portion, unless

applicable) must be completed by all insureds age 22 and under. If youthful driver is insured

elsewhere, only front portion is required. This must be sent to the company within 30 days of the

effective date. (see Appendix A2)

The Teen Contract w/CIC should be completed by youthful and parent only if insured wishes to obtain

the “Contract With CIC” youthful credit, and agrees to all the terms within the contract. This option is

available for youthful drivers age 18 and under. This must be sent to the company within 30 days of

the effective date. (see Appendix A3)

Van & Pickup Questionnaire – for vans or pickups that have been altered or modified and have

physical damage coverage. This is to be retained in the agency file. (see Appendix A5)

POINTS TO REMEMBER

We encourage you to contact your underwriter if the stability and responsibility risk profile

characteristics are good, but:

you are unsure about the eligibility of the risk,

the risk characteristics exceed the Agency Binding Authority in some way, or

an insured vehicle is away at school with a youthful.

New Automobile policies will be written for a period of 1 year.

MVR and CLUE reports will be ordered for each driver in the household, even if insured elsewhere.

Credit Reports will be run on only 1 Named Insured (age 26 or over).

ADD (Additional Driver Discovery) report will be ordered for each policy.

For any vehicle driven to work, a Risk Meter, Miles one Way report will be ordered and used in the

calculation of the mileage.

Coverage must be obtained separately for vehicles solely owned by named insured’s children.

Parent/child co-signed vehicles are acceptable.

The underwriting experience period is 3 years prior to date policy is underwritten or thirty-nine (39)

months preceding the renewal date.

Major violations do not have an experience period restriction.

If the necessary underwriting and/or processing information is not received for new business or

renewal business, we have the right to issue a legal notice of termination giving the insured 45 days

(plus mailing) as permitted by Title 8 V.S.A § 4223 Cancellation of Automobile Insurance



BASIC PROGRAM ELIGIBILITY CRITERIA

Named Insured includes spouse if resident of household even if not written in both names.

No lapse in coverage or backdating of coverage.

No impairments that could adversely affect the safe operation of a vehicle.

Insured vehicles should not be provided for the regular use of anyone who does not reside in the household.

No undisclosed or misrepresented driving history.

3 years verifiable driving history for drivers age 20 and over. If previous residence was out of country, must have at least 1

year verifiable driving history in U.S.

No drivers age 16-24 with sporty type vehicles or vehicles with high rollover potential (refer to the Concerned Vehicle List

on Page 7).

No school suspensions or apprehensions record for drivers age 16-22.

Favorable Youthful Operator Questionnaire for drivers age 16-22.

Favorable Health Statements required for drivers age 75 and older.

All household members must qualify for the Commerce Insurance Auto program, even if they are insured elsewhere.

Vehicles with an ISO symbol of 27 for model years 2010 and prior, or cost new of $80,001 or higher need prior

underwriting approval.

Vehicles with an ISO symbol of 63 for model years 2011 and greater, or cost new of $85,001 or higher need prior

underwriting approval.

Named Insured age 16 – 20 may have standalone policy only if parent’s policy is with Commerce Insurance, must be

employed or have a recent college degree or must have grades of C or 2.5 GPA or better.

No Major Violations (license suspension and revocation are considered a major violation)

Youthful (16-20 years of age) with vehicle away at school is generally not acceptable.

Vehicle requirements:

Vehicles must be registered and regularly located in the state of the named insured’s residence as indicated on the policy.

Must be in good condition with no existing body or glass damage.

Must be individually owned (resident spouse included) or leased for a continuous period of at least 12 months in the name

of the Insured or corporately owned in accordance with our guidelines. A vehicle may be co-owned/leased by a household

driver and their named insured parent.

At least 1 vehicle must have physical damage coverage (Comprehensive and Collision Coverage)

Cannot be used for delivery or as public livery conveyance for passengers (car pools are acceptable).

Cannot be used by an employee.

Cannot be rented to others.

Classic or antique vehicles with physical damage coverage require an appraisal within the last 5 years. Appraisal must be

done by a licensed appraiser, appraisal service and must include photos showing the front, rear and both sides of the

vehicle.

Must be a private passenger automobile which is a four-wheel motor vehicle.

Eligible truck types are limited to pick-up trucks, panel trucks, or vans that meet the following criteria:

o the load capacity does not exceed 1 ton and is not a dual rear wheel ,

o the gross vehicle weight does not exceed 10,000 lbs.,

o if the truck is used in business it must meet company guidelines.

Self-propelled motor homes, trailers, or antique cars which are written on a stated amount basis must be registered for

public road use.

Unacceptable Driving History – past 36 months history from the effective date of application or 39 months

history from the renewal effective date.

All Drivers

No more than 6 combined accidents and violations

No single vehicle at fault accidents

No license suspensions, revocations, or major convictions in the household.


No SR22 filing

No more than 4 chargeable points per household

Non Youthful Operators (Age 21 and older)

Per Household

No more than 3 Comprehensive claims

No more than 2 theft/vandalism claims

Per Driver

No more than 2 At fault accidents or

No more than 2 Violations

No more than 2 Not at fault accidents

No more than 2 combined at fault accidents and violations

No more than 3 combined at fault accidents, not at fault accidents, violations or

comprehensive losses

Youthful Operators (16-20 years of age)

Can not be more than 1 of the following

At fault accident

Violation

Comprehensive claim

Can not be more than 2 of the following

Not at fault accident

Elderly Drivers (Age 75 and greater)

Per Driver 75 and older

No more than 1

AAF

No more than 2

NAF

Comp (excluding glass/tow)

No more than a combination of 2 per driver

AAF

MVL

NAF

Comp (excluding glass/tow)

Credit Score

< 500

No Incidents

500-599

No more than 1 or combination thereof per household

At Fault accident

Violation

No more than 2 or combination thereof per household

Not at Fault Accident

Comp Loss (excluding glass/tow)

No more than 1 or combination thereof per driver

Not at Fault Accident

At fault accident

Violation

Comp Loss (excluding glass/tow)

Mono-Line Policies

No more than 4 AAF/NAF/MVL/Comp (excluding glass and tow) or combination of per household.


Unacceptable/Concerned Vehicle List

The vehicles appearing on these lists have characteristics that result in concerns for their eligibility for Commerce Insurance

Company's Automobile Program. The vehicle characteristics are defined by the following categories:

Exotic - Limited production, high value & specialized manufactured vehicles.

High Value - New car value in excess of $80,000. For model year 2010 and prior, the ISO Symbol Manual identifies

these vehicles as symbol 27. For model year 2011 and later, the ISO Symbol Manual identifies these vehicles as

symbol 62. In addition to price new, consideration is given to the cost of replacement parts.

High performance or older model "muscle cars" - High speed and performance capability, 0 to 60 mph in 5.9

seconds or less and/or top speed of 135 mph or more.

Sport Cars - Generally two seater/passenger vehicles with the design emphasizing handling and acceleration

capabilities beyond the needs of every day driving.

High center of gravity vehicles - Higher than average rollover potential and designed for off road use.

High theft vehicles - Consistently the highest frequency rate of partial or total vehicle thefts. Another component of

partial thefts is the vandalism exposure that generally is associated with the claim.

Other categories of vehicles that are considered an unacceptable class of vehicles are the "Grey Market ","kit", "homemade"

and "altered" cars.

The "Grey Market" vehicles are foreign manufactured and purchased cars. By nature of these vehicles, parts are difficult to obtain. In addition, the cost of those parts as well as labor is very high and not contemplated in the ISO symbol pricing. Many of these vehicles do not comply with U.S. standards for emissions and safety requirements.

Any foreign vehicle where the Vehicle Identification Number (VIN) does not match the ISO designated number series likely

to be a “Grey Market " vehicle and should be avoided.

The "kit", "homemade"' and "altered" vehicles also represent significant liability hazards and should be avoided.

Unacceptable Vehicle Listing

The vehicles identified below are considered unacceptable vehicles for the Commerce Autosurance Program

Make Model Make Model

Alfa Romeo 8C Competizione Lamborghini (all models)

Alfa Romeo Spider Lotus (all models)

Aston Martin (all models) Maserati (all models)

Bentley (all models) Mercedes McLaren

Buggati Panoz Esperante

Daihatsu Rocky* Rolls Royce (all models)

Delorean Saleen

Dodge Viper Suzuki Samari*

Ferrari (all models) Suzuki Sidekick*

GMC Cyclone Pickup Suzuki X90*

GMC Typhoon Sport Utility Vehicle Yugo

HumVee/Hummer 1 Audi R8

Jeep YJ Ford GT

Jeep XJ Shelby AC Cobra


Concerned Vehicle Listing

Concerned Vehicles are vehicles that require strong stable and mature household characteristics to be

considered for the Commerce Autosurance Program

Make Model

Acura NSX Geo Tracker* Mitsubishi Lancer Evolution

AMC Javelin Honda Civic Del Sol* Mitsubishi Spyder GS

Audi R series Honda Civic Si Mitsubishi Starion Turbo

Audi S4 Quattro Honda CRX-Si* Neon SRT-4

Audi TT Honda Prelude V-Techs Nissan 200SX SER*

BMW 850I Honda S2000 Nissan 300ZX turbos

BMW Z3 Roadster Hummer H1 Nissan 350 Z

BMW Z4 Hummer Hum-Vee Nissan 370Z

Buick GS Hyundai Tiburon GT Oldsmobile 442

Buick Regal Gran National Jaguar XJ220 Plymouth Barracuda

Chevrolet Camaro (all V-8’s)* Jaguar XJS Plymouth Galaxie

Chevrolet Camaro Z Jaguar XK8 Plymouth Roadrunner

Chevrolet Cavalier Z24* Jaguar XKE* Pontiac Fiero*

Chevrolet Cobalt SS Jaguar XKR Pontiac Firebird Firehawk*

Chevrolet Corvette (all models) Jeep CJ Pontiac GTO

Chrysler Crossfire SRT Jeep Wrangler models (up to

and including 2004)*

Pontiac Trans-Am

Dodge Challenger Lexus SC 430 Porsche (all models)

Dodge Charger SRT 8 Mazda Miata* Subaru SVX

Dodge Charger ST Mazda MX3* Subaru WRX turbo*

Dodge Neon SRT 4 Mazda RX-7 Toyota MR2

Dodge Ram SRT – 10 Mazda RX-8 Toyota MR2 Spider

Dodge Stealth Mazda Speed 3 Toyota Rav4* (up to and

including 2004)

Eagle Talon (Tsi, Tsi 4WD)* Mazda Speed 6 Toyota Supra (since 1994)

Fiat Spider and X/19* Mercedes Benz AMG Triumph (all models)*

Ford F-150 “Lightning” Mercury Cougar Volkswagen Corrado

Ford Mustang MG (all)* Volkswagen GTI

Ford Mustang (all V-8’s)* Mitsubishi 3000 GT Volkswagen R32

Ford Torino Mitsubishi Eclipse turbo

models

Volkswagen Scirocco

Geo Storm GSI

If the vehicle is not listed but fits into any of the above listed categories, please contact underwriting before binding coverage.

AUTOMOBILE DISCOUNTS

1. Account Discount

In all program tiers other than Autosurance, the total automobile premium will be reduced by 10% if

the Named Insured is also covered by a CIC Homeowner’s (HO-3) or Condo (HO-6) and by 5% if the

Named Insured has a CIC Tenant (HO-4), or Dwelling Fire (DP-1, DP-2 or DP-3) policy.

In the Autosurance tier, the total automobile premium will be reduced by 13% if the Named Insured is

also covered by a CIC Homeowner’s (HO-3) or Condo (HO-6) and by 8% if the Named Insured has a

CIC Tenant (HO-4), or Dwelling Fire (DP-1, DP-2 or DP-3) policy.

2. Affinity Group Discount

The total automobile policy premium will be reduced by 3% for a policyholder who is an affinity group

member. Eligible members qualifying for the Affinity Group Program are all the individuals who are

actively employed by a specified employer, or are members of a specified association or organization, or

members of a specified labor or credit union. The Affinity Group must have 20 or more active members

or employees. It is not limited to a maximum number or restricted to any level of member or employee

with the exception of being active in their membership or employment.

The term “specified” means the group specifically identified to the Company and has been accepted as an

Affinity Group.

It would be agent’s responsibility to apply discount.

3. Anti-Theft Device Discount

The Comprehensive premium will be reduced by 5% if the vehicle is equipped with:

a) An “Active Alarm” - a siren alarm that must be manually activated.

b) A “Disabling Device” – locks the ignition, fuel system, or steering column. c) A “Window ID” – the vehicle identification number is etched on the window.

The Comprehensive premium will be reduced by 15% if the vehicle is equipped with:

a) A “Passive Alarm” – a siren alarm that automatically activates when the vehicle is and/or the doors are locked.

b) A “Vehicle Recovery System” – a tracking device which emits a signal to a police or monitoring station when

the vehicle is reported stolen.

The maximum total Anti-Theft Device Discount for combination of all possible devices is 15%.

4. Careful Driver Discount

The class code rating factor for each [rated] driver may be reduced by the appropriate amount as shown

in Chart #1 in the Rating Section, based on the number of losses/violations per policy and the number of

drivers on the policy who are age 20 and older. Note the first not-at-fault accident, any claim where the

vehicle is hit while parked or any comprehensive claim (excluding theft or vandalism) will not be

counted as a loss. Also, youthfuls age 16-19 are not counted as drivers, but any accidents or violations

they have are counted as losses on the policy. For New and Renewal Business, the discount is based upon

the number of losses/violations in the past three years. For New and Renewal Business, a four and five

year incident-free credit is available. See example below.


Example: New Business effective 11/1/09 in Preferred Program

Driver 1 = age 46, Driver 2 = age 20, Driver 3 = age 17

Driver 1 has 7/20/07 violation, Driver 2 has a glass claim, and Driver 3 has 12/11/08

violation.

Number of Drivers age 20 and older and have been licensed at least 3 years = 2

Number of Incidents per household = 2 (7/20/07 violation, 12/11/08 violation)

Discount = -.09

5. Company Car Discount

The Company Car Discount will reduce by 20% (10% for AS & MA tiers) the premiums for Liability,

Medical Payments, Comprehensive and Collision Coverages on a single car policy if there is a vehicle in

the household that is furnished for the regular use of the insured by his/her employer.

6. Electronic Funds Transfer (EFT) Discount (Does not apply to Commerce Autosurance Program)

The total automobile premium will be reduced by 5% if the insured chooses the EFT billing option. This

option is available on the 4, 8, and 12-pay Account Bill Plans and there is never a service charge with

EFT.

7. Homeownership Discount (Not Available in AS & MA Tiers)

The total automobile premium will be reduced by 10% if the named insured has a Commerce Insurance

Personal Automobile Policy and owns a Home or a Condo (as a primary residence) which is insured with

another carrier.

8. Household Composition Factor

Refer to Chart #3 in the rating Section for rating factors relating the number of vehicles to the number of

drivers on the policy.

9. Loss Free Discount (Applies only to AS & MA Tiers)

The Total Automobile Premium will be reduced by 5% for a risk that has been accident free

for 36 consecutive months (3 years).

1) A “Loss” for this credit is defined as any claim made which concluded with:

a) any Bodily Injury Liability and/or Property Damage Liability in excess of $900;

b) any combination of Property Damage Liability and Collision in excess of $900;

c) any at Collision loss in excess of $1,000; or

d) any second or subsequent Property Damage Liability or Collision loss(es) less than

$900.

10. More Vehicles Than Driver Credit (Applies only to AS & MA Tiers)

For each vehicle in excess of the number of operators, use the “all other/farm” class factor or the current

class factor, which ever is less.

11. Multi-Car Discount

Applies to policies with 2 or more vehicles and includes all vehicle types with the exception of Motor

Homes and Antique cars. Refer to appropriate Classification Factors chart in Rating Section for specific

rating factors.



12. Non-Smoker Credit (Does not apply to AS, MA or Commerce Autosurance Program)

The total automobile premium will be reduced by 5% if we receive a signed statement from the Named

Insured indicating no drivers on the policy smoke.

13. Paid in Full Discount (Does not apply to AS, MA or Commerce Autosurance Program)

The total automobile premium will be reduced by 5% if the insured chooses the pay in full billing option.

There is no service charge with pay in full.

14. Passive Restraint Discount

Medical Payments will be reduced by 30% on each vehicle equipped with passive restraints and/or

airbag(s).

15. Youthful Operator Discounts

a) Teen Contract with CIC (Does not apply to Assur Plus, Assur, Dtls)

The rating factor will be replaced by the appropriate 19-20 year old rating factor if the youthful driver,

age 16-18 only, signs a contract agreeing to the following (Note the youthful class code remains

unchanged):

maintain at least B or 3.0 GPA

complete approved Driver Training Course

wear seatbelts at all times (applies to driver and passengers)

never drive under influence of alcohol or drugs

obey all traffic control laws

and the parent(s) sign a similar contract agreeing to the following:

impose reasonable curfew based on teen’s academic, social, and work schedule

limit passengers in vehicle to 1 other teen (excluding family members)

restrict driving during inclement weather

NOTE: In addition to the above requirements, the Inexperienced can have no accidents or violations.

b) Good Student Discount –

The class code rating factor will be reduced by the appropriate amount as shown in the Classification

Factor charts (Rating Section) if the driver is age 16-20 and is currently enrolled in school with a “B” or

better grade average. Copy of most recent grades required and must be updated each policy renewal to

maintain the discount.

c) Extended Good Student Discount -

The class code rating factor can be found in the Classification Factor charts (Rating Section). This

discount applies to Males age 21-29 and Females age 21-24, if they are not already rated using the “All

Other” Classification. They must be either currently enrolled as a full-time student in a 4-year college or

university with a “B” or better grade average or have graduated from college with a Bachelors degree

and a “B” or better grade average. Copy of most recent grades required and must be updated (while still

in school) at each policy renewal to maintain the discount.


d) Driver Training Discount -

The class code rating factor will be reduced for each [rated] driver under the age of 21 (as shown in the

Classification Factor charts in Rating Section) if the driver has successfully completed a Driver Training

Course that meets the following criteria and has provided us with proof of completion:

- minimum of 30 hours classroom instructions

- minimum of 6 hours actual driving time (per student)

- course was conducted by State Certified instructors

e) Student Over 100 Miles From Home Discount –

This discount applies to an Inexperienced Unmarried Female/Male Operator who is a rated driver on our

policy, and is away without a car, at a school or college over 100 miles from the place of principal

garaging of the rated vehicle. The applicable rating factor is the “married” class factor for the

appropriate youthful class. If the married class factor is higher, use the otherwise applicable

“unmarried” factor.

* All youthful operators are eligible for this credit whether they are on the policy at inception or added at a later

date.


OPTIONAL COVERAGES

1. Artisan Class (AART 01 01)

An artisan is one who invests time and education, and participates in an apprenticeship to

learn a specialized trade where the work is primarily done in a shop or on a job site (such

as electrician, plumber, carpenter, mason, etc.). The business should not be primarily

wholesale, retail delivery, or for-hire delivery. There should be no employee exposure other

than resident family members. The vehicle should be registered to an individual. Gross vehicle

weight should not exceed 10,000 pounds. The pulling of a utility trailer in conjunction with the

business is not acceptable. If the vehicle is used in the business it will receive the business rate.

2. Audio/Visual and Electronic Data Equipment (PP 03 13)

May be purchased up to a limit of $10,000 for permanently installed electronic equipment that

receives or transmits audio, visual, or data signals and is not designed solely for the reproduction

of sound. Coverage for the accessories used with such equipment may also be purchased. The

same provisions and exclusions relating to Comprehensive and Collision coverage apply.

Comprehensive and/or Collision coverage must exist for coverage to apply. The deductible does

not apply to a Sound Receiving and Transmitting Equipment claim. See Chart #5 in Rating

Section for premiums.

3. Classic/Antique Cars

a) Definitions

1) A classic car is a stock (or restored) automobile which is well maintained, and has an

unusually high value because of its age. A replica or reproduction automobile may be

eligible to be insured as a classic car. The word “automobile” does NOT include: hot

rods, street rods, “funny cars”, customized show cars, or similar automobiles; or any

altered or modified automobile, except that minor changes necessary to restore an

automobile are permitted.

2) For rating purposes, classic cars are of two kinds:

(a) Antique: The automobile is over twenty (20) years old and is maintained solely

for restricted use, is used only infrequently (not driven more than 3,000 miles

annually).

(b) Classic: The automobile is over twenty (20) years old and is used on a regular

basis.


b) Comprehensive and Collision Coverages

These coverages are written only on a stated amount basis, which is the full actual cash

value of the automobile at the time insurance is purchased. It is the insured’s

responsibility to adjust (up or down) the stated amount to accurately reflect changes in a

classic car’s value.

NOTE: The company’s limit of liability for loss under Comprehensive and Collision

insurance will be the lesser of:

(a) The actual cash value of the stolen or damaged property,

(b) The cost of replacing or repairing the stolen or damaged property or a part thereof, or

(c) ) the stated amount.

Any depreciation in the value of the automobile due to unavailability of any part of the

automobile does not constitute loss.

c) Premium Determination

Refer to the Territory Definitions in the Rating Section to determine the rating territory.

1) Antique Cars:

(a) Antique Cars are not:

(1) classification rated, or

(2) eligible for classification rating discounts.

The rate class is always shown as 962000 and the body style is always shown as

“antique” on applications.

(b) Bodily Injury Liability, Property Damage, Medical, Reparations Benefits, and UM

coverages:

Multiply the private passenger base premiums for the desired limits of

coverage (for the appropriate rating territory) by 0.40. The results are

the final premiums for the desired coverages.

(c) Comprehensive and Collision coverage: Determine the stated amount (actual

cash value of the automobile) to the nearest $100.

Determine the annual rate per $100 of coverage from the chart below, depending upon

coverage and deductible:

Comprehensive

Deductible Rate Deductible Rate $0 $1.56 $100 $2.02

$50 $1.12 $200 $1.76

$100 $0.92 $500 $1.32

$200 $0.70 $1,000 $0.96

$500 $0.52

$1,000 $0.36

Multiply the Rate per $100 by the Stated Amount in $100’s to determine the base

rate.

(d) The manual premiums for the Optional coverages of Towing & Labor and

Extended Transportation are the full premium and not adjusted by the


Classification Factors.

2) Classic Cars:

(a) Classic cars are rated as private passenger automobiles

(1) the symbol is determined by the automobile's stated amount, and

(2) the base premiums are those for the current model year

(not for the automobile's actual model year).

(b) The body style is always shown as "CLASSIC" on applications.

3) In determining a classic car's Physical Damage premium, the stated amount is

converted to a symbol (refer to ISO Cost New/Symbol Pages). In assigning a model

year/symbol rating factor, the model year used, regardless of the actual model year of

the vehicle, will be the current model year if the policy effective date is prior to Oct.

1, otherwise it will be the following model year. However, on the application for a

classic car, it is necessary to show the stated amount (not the symbol) in the Purchase

Information box.

4. Corporate Owned Automobile (ACOR 01 02)

We offer a program for individuals who register their vehicles in the name of their small

business/corporation. The Insured must be a Corporate Officer and the corporation should not

own more than 4 vehicles. The corporately owned vehicle used in business will receive the

business rate. There should be no livery or delivery use of the vehicles except that which is

incidental and occasional to the primary business of the named insured. There should be no

employee exposure except other resident family members. Vehicle modification should be pre-

approved by your Underwriter.

5. Customized Equipment (PP 03 18)

This is purchased for physical damage to custom furnishings or equipment that is specifically

identified, such as special carpeting, furniture, television receivers, facilities for cooking,

refrigeration and sleeping, high extended roofs, murals, paintings or decals. Customized

Equipment coverage is only available if comprehensive and/or collision coverage exists and the

claim is covered by the applicable physical damage coverage. The deductible shown in the

Declarations page is applied only once if the loss results in damage to the vehicle and its

customized equipment, and the cost of the equipment should not be considered when determining

symbol of vehicle.

Rate as follows:

a) Find base rate for comprehensive and/or collision coverage from the Territory

Base Rate pages.

b) Multiply by the factor for the most current model year, and for Symbol 5, as

displayed in the Model Year/Symbol Factors chart.

c) Multiply by the appropriate deductible factor shown in the rate pages.

d) To get the rate per $100 of coverage, multiply the rate determined in step c) by the

following factors:

Comprehensive 0.010

Collision 0.004

e) Multiply the rate per $100 determined in step d) by the stated amount of coverage in

$000’s.


This is the base premium for Customized Equipment coverage.

6. Damage to Your Auto – Replacement Cost (ARR 0106)

This additional coverage can be purchased to provide replacement cost physical damage

coverage in the event of a total loss, excluding theft losses. The vehicle must be 5 model

years old or less and be carrying both comprehensive and collision coverages. We will

automatically remove this coverage on vehicles older than 5 model years and send written

notification to the insured that it was removed from their renewal policy.

The premium will be calculated by applying the appropriate factor below to the applicable

comprehensive and collision premiums.

Model Year Age of

Vehicle Rating Factor

Less than 1 year 0.15

1 0.25

2 0.40

3 0.55

4 0.70

5* 0.85

* Note: Last year the coverage is available

7. Domestic Partner (Dom Part 02 06)

The Domestic Partner Insuring Agreement amends the definition of the named insured to include

the named insured’s domestic partner. To qualify, the domestic partner must be an adult of 18

years of age or older who has chosen to:

- share his or her life in a long-term and committed relationship of mutual care

- reside in the same household

- be jointly responsible for basic living expenses with another person.

The signatures of both domestic partners are required. There are other special conditions that

apply to this endorsement. Please refer to the special conditions section of the form.

There is no premium charge associated with this endorsement.

8. Extended Non-Owned (PP 03 06)

Can be purchased for the Named Insured(s) only to extend liability coverage for the use of a non-

owned vehicle. The coverage does not apply for owned vehicles, or those vehicles owned by a

household member or used as a temporary substitute for such an owned vehicle.

This coverage is only available when the primary insurance on the vehicle is through a

commercial carrier or when the vehicle is used in the business of the U.S. Government.

Chart #4 in Rating Section should be used to determine the premium for this coverage.

9. Extended Transportation (PP 03 02)

The basic policy provides for $20 per day, up to a maximum of $600 of coverage if the

policyholder has purchased Comprehensive or Collision coverage, whichever is applicable to the

loss. The basic premium charge vehicle is automatically included in the premium for each


vehicle that has Comprehensive/ Collision coverage. These limits may be increased as shown

below:

Per day/Maximum Limit Annual Premium $30/$900 $8

$40/$1,200 $16

$50/$1,500 $24

$75/$2,250 $44

$100/$3,000 $64

Coverage will apply once the vehicle has been inoperable for at least 24 hours from the time of

loss. No deductible applies.

10. Full Safety Glass Coverage (PP 03 15)

May be purchased for each covered auto only when comprehensive coverage exists.

Rate for Comprehensive coverage with Full Safety Glass is developed by taking the $50

deductible premium displayed in the Territory Base Rate Pages, multiply by appropriate Model

Year and Symbol (shown on Model Year/Symbol Factors Chart), and then multiply result by sum

of Comprehensive deductible factor and Full Safety Glass deductible factor as shown below.

Deductible Factor $50 .05

$100 .06

$250 .12

$500 .16

$1,000 .16

11. Increased Deductible Factor

a. Comprehensive deductible for which no premium is shown –

1) charge the following percentages of the $50 deductible comprehensive premium (as

Shown in Territory Base Rate pages):

Deductible Rate

$0 140%

$100 83%

$200 63%

$500 46%

$1,000 33%

2) Use Model Year/Symbol Charts in Rating Section to determine correct Model

Year/Symbol and multiply that factor by adjusted base rate as calculated in step 1).

b) Collision deductible for which no premium is shown –

1) charge the following percentages of the $200 deductible collision premium

(Shown in Territory Base Rate pages):


Deductible Rate

$100 110%

$500 75%

$1,000 55%

2) Use Model Year/Symbol Charts in Rating Section to determine correct

Model Year/Symbol and multiply that factor by adjusted base rate as calculated in step 1).

12. Increased Limits For Excess Sound Reproducing Equipment (PP 03 13)

Coverage may be purchased up to a limit of $10,000 for permanently installed electronic

equipment that receives or transmits audio, visual, sound or data signals. Coverage for the

accessories used with such equipment may also be purchased. The same provisions and

exclusions relating to Comprehensive and Collision coverage apply. Comprehensive and

Collision coverage must exist for coverage to apply. See Chart #5 in Rating Section for

premiums.

13. Loan / Lease Coverage (PP 03 35) A policy providing both comprehensive and collision coverage may be extended to provide

Coverage for the difference between the outstanding indebtedness on a loan/lease agreement

on a vehicle, and the actual cash value of the vehicle subject to the following:

a) Auto Loan/Lease coverage may be provided only to a vehicle that is a private passenger auto,

pickup or van; and

b) An insured may request the Auto Loan/Lease coverage at anytime for a new or used

vehicle.

The premium will be calculated by applying a 9% rating factor to the applicable

comprehensive and collision premiums.

14. Medical Payments

May be purchased to cover medical expenses from an automobile accident. Limit is $5,000 and it

will be paid as primary coverage over other insurance. If lower or higher limits are selected, apply

the following factors to base rate as shown in Territory Base Rate pages (in Rating Section).

Limit Factors

$1,000 0.67

$2,000 0.83

$5,000 1.00

$10,000 1.50

$25,000 2.28

15. Motor Homes

Motor Homes are self-propelled motor vehicles with a living area that is an integral part of

the vehicle chassis; or pick-up with a permanently attached camper body. The living area

or camper body must consist of facilities for cooking and sleeping.

a) Liability, Reparations Benefits, Uninsured and Underinsured Motorists Coverage

Commerce Autosurance Program: charge 70% of the married male age 30 – 39/pleasure use rates

for private passenger automobiles.


All other Programs: charge 70% of the otherwise applicable All Other class/pleasure use rates for

private passenger automobiles.

b) Physical Damage:

1) Determine the stated amount of the motor home, including the value

of any custom built additions.

2) Based on the Stated Amount of coverage, assign a symbol in

accordance with the ISO symbol pages.

3) Refer to the Territory Base Rate pages to find the base premium for this coverage based

upon the model year and symbol of the vehicle. Multiply by any applicable deductible

factors, and add-in full glass premium if applicable.

4) If the risk is pleasure use, multiply the result in 3) by the Motor Home

Factor of 0.59 (59%), otherwise multiply the result in 3) by the classification factor.

5) The maximum limit for stated amount coverage will not exceed a total

limit of $85,000.

16. Stated Amount

For damage to the covered auto at a specific limit of value (this option is only available for

specific vehicle types such as antique automobiles, motor homes, and trailers). To determine the

specific limit of Physical Damage coverage for the auto, use the price new or the appraised value

(Certified Appraisal). The limit of liability for the loss will be the lesser of the:

a) stated amount shown in the Declarations for Comprehensive and/or Collision;

b) actual cash value of the stolen or damaged property; or,

c) amount necessary to repair or replace the damaged property.

Stated Amount coverage does not mean that the policy provides you with a “Valued Coverage”

limit. It is important for the named insured to routinely update the value of the vehicle for

appropriate coverage. The deductible will apply.

17. Towing and Labor (PP 03 03)

Towing or the road service of the disabled covered auto may be purchased when Comprehensive

coverage exists. The road service must be done at the site of disablement.

Limit

Semi-Annual

Premium

Annual Premium

$50 $4 $8

$75 $6 $12

18. Trailers Designed for Use with Private Passenger Automobiles

a) Liability - a personal automobile policy affording liability covers trailers designed for use with a

private passenger automobile, pick-up, panel truck or van, without additional premium charge and

without specific description of the trailer.

Exceptions: Coverage is not provided for a trailer:

1) That is used for business purposes with other than a private

passenger automobile or owned pick-up, panel truck or van; or,

2) When no automobile is owned by the insured.


b) Recreational trailers are defined as non-self-propelled units that are equipped

with living quarters (including cooking, dining, plumbing or refrigeration facilities). To be

eligible for coverage, the insured must maintain a separate and permanent residence other than the

recreational trailer.

- Recreational Trailers are rated like Motor Homes, refer to #14b for rating.

c) Utility trailers are defined as non-self propelled units that contain no living quarters and are used

only to haul personal items. See Chart #6 in Rating Section for actual rates.

19. Uninsured/Underinsured Motorist Coverage

This form of insurance shall be afforded under every automobile policy, at limits equal to the

limit of liability that has been elected on the policy. See automobile contract for full definition of

this coverage.

Exception: The named insured(s) may, by signed written request, elect to lower limits but

may not select limits less than $100,000 single limit or $50,000/100,000 split limit

Uninsured/Underinsured Motorist Bodily Injury Coverage and $10,000 Uninsured Property

Damage Coverage.

1) Basic Limits - Rates for $300,000 single limit uninsured/underinsured bodily injury motorist

coverage and $10,000 uninsured property damage coverage are shown in the Territory Base

Rate pages.

2) Increased/Decreased Limits - Rates for increased/decreased limits of single or split limit

uninsured/underinsured motorist coverage, multiply the rate shown in Chart #7 in the

Rating Section by base rate determined in step 1) above. The charge is applied to the first

vehicle listed on the Declarations page.


GENERAL RATING RULES

Premium Determination

Single Limit Bodily Injury Liability, or Split Limit Bodily Injury and Property Damage Liability,

Medical Payments, Comprehensive and Collision premiums, referred to collectively hereafter as

BASE PREMIUM, are determined as follows:

1) Refer to the classification rule to determine the applicable Primary and Secondary Classification

and corresponding factors.

2) Refer to the ISO symbol pages to determine the appropriate symbol for the vehicle. In the case of a

new model year vehicle where symbol years are not yet displayed in the symbol pages, use the

symbol shown for the latest model year. To rate newly announced models and other models where

no symbol is shown in the ISO symbol pages, determine a symbol based on original cost new from

the price/symbol chart.

3) The following symbol chart will apply to model year vehicles prior to 2011 that have an ISO symbol

27 or have a cost new of $80,000 or higher. (applies to Super Preferred, Super Preferred Select,

Preferred, Preferred Select, Standard, Standard Select and Commerce Autosurance Programs)

Symbol Value

27 $ 80,000 – $ 90,000

28 $ 90,001 – $100,000

29 $100,001 – $110,000

30 $110,001 – $120,000

31 $120,001 – $130,000

32 $130,001 – $140,000

33 $140,001 +

4) Pickups and vans should be rated as a private passenger vehicle whenever there is a symbol assigned.

For non-symbolized pickups and vans determine the symbol based on original cost new

from the price/symbol chart. When a pickup is used to transport a camper body or cover with no

facilities for cooking or sleeping:

a) Add the cost of the camper body or cover to the cost of the pickup and determine symbol

from the price/symbol chart factor chart.

b) When the pickup is used to transport a permanently attached camper body with facilities for

cooking and sleeping, refer to the Motor Home section for rating.

5) Refer to the territory definitions to determine the rate table for the location where the automobile

is principally garaged.

6) Refer to the appropriate territory rate page to determine the base rates for the desired coverage.

7) The premium for each coverage is determined by multiplying the base rate by the appropriate rating

factors. See the applicable rating charts.

Rate Factor Classifications

Automobiles owned by an individual, or owned jointly by resident relatives are classified as follows:

1. Primary Classification

a) Classify the automobile according to the age, sex and marital status of the licensed

operators, and

b) The use of the automobile, and


c) The eligibility of the licensed Inexperienced operators for driver training and/or good

student classes, and

d) Determine the applicable factor from the primary rating factor tables.

2. Secondary Classification

a) Determine if the automobile is:

1) A single car risk or

2) Part of a multi-car risk.

b) Determine the following for each vehicle:

1) The number of SDIP points assignable. Points are generated by a driver,

As described in the SDIP section of this manual. They are then assigned to the

vehicle most frequently driven by the driver who generated the points.

3. Classification Changes

Premium adjustments will be computed on a pro-rata basis when changes in primary and

secondary rating classifications are made. This includes the addition or deletion of an

operator during the policy term.

Exceptions:

a) A policy shall not be changed mid-term because of the attained age of an operator of

the automobile.

b) A policy shall not be changed mid-term to effect a change in the driving record

subclassification for operators currently listed.

c) A policy shall not be changed mid-term solely due to a change in symbol assignment

by ISO.

Use Classification – Commerce Autosurance Program

1. “Pleasure Use” means:

“Pleasure Use” rating factor is broken into 3 categories:

a) 0 commute

There is no business use of the automobile

The automobile is not driven to and from work/school

b) Work at home


The automobile is not driven to and from work/school

c) >0 - 3 miles one way


The automobile is customarily used for commuting work/school/public

transportation lot (example; to a railroad, bus depot or commuter lot) less

than four road miles, one way

The automobile is used for commuting to and from work/school/public

transportation lot (example; to a railroad, bus depot or commuter lot) four

or more, but less than eleven road miles, one way, and is used for

commuting less than three days per week.


2. “Short Commute” means:

“Short Commute” is broken into 2 categories:

a) 4 -10 miles one way

The automobile is used for work/school/public transportation lot (example; to

a railroad, bus depot or commuter lot) four but less than eleven road miles, one

way 3 or more days

There is no business use of the automobile,

The automobile is used for commuting work/school/public transportation lot

(example: to a railroad, bus depot or commuter lot) eleven or more, but less

than fifteen road miles, one way, and is used for commuting less than three

days per week.

b) 11--14 miles one way


a railroad, bus depot or commuter lot) eleven but less than fifteen road miles,

one way 3 or more days



(example: to a railroad, bus depot or commuter lot) fifteen or more, but less

than twenty-one road miles, one way, and is used for commuting less than

three days per week.

3. “Long Commute” means:

“Long Commute” is broken into 4 categories:

a) 15 -20 miles one way


a railroad, bus depot or commuter lot) fifteen but less than twenty-one road

miles, one way 3 or more days



(example: to a railroad, bus depot or commuter lot) twenty-one or more, but

less than thirty-one road miles, one way, and is used for commuting less than


b) 21--30 miles one way


a railroad, bus depot or commuter lot) twenty-one or more, but less than thirty-

one road miles, one way 3 or more days



(example: to a railroad, bus depot or commuter lot) thirty-one or more, but

less than fifty-one road miles, one way, and is used for commuting less than


c) 31- 50 miles one way


a railroad, bus depot or commuter lot) thirty-one but less than fifty-one road

miles, one way 3 or more days




(example: to a railroad, bus depot or commuter lot) fifty-one or more, road

miles, one way, and is used for commuting less than three days per week.

d) 51 miles or more


a railroad, bus depot or commuter lot) fifty-one or more road miles, one way 3

or more days


4. “Business Use” means:

a) The automobile is used in an occupation, profession or business, other than

commuting as defined above; and,

b) Vehicles such as pick-ups, panel trucks and vans are not eligible for private

passenger automobile rating when used in an occupation, profession or business of

the insured.

Age, Sex and Marital Status Classifications

1. “Youthful Operator” means an applicant or any other operator resident in the same household as the

applicant, who customarily operates the auto, and is one of the following:

a) “Inexperienced Unmarried Female Operator” means an unmarried female less than 25 years of

age who is not an owner or principal operator;

b) “Inexperienced Unmarried Female Principal Operator” means an unmarried female less than 25

years of age who is a principal operator;

c) “Inexperienced Married Male Operator” means a married male less than 25 years of age;

d) “Inexperienced Unmarried Male Operator” means an unmarried male less than 25 years of age

who is not an owner or principal operator;

e) “Inexperienced Unmarried Male Principal Operator” means an unmarried male less than 25 years

of age who is a principal operator.

2. “Age” means the age you attained on the last birthday.

3. “Married” means a married person living with his or her spouse and includes a person widowed,

divorced or legally separated only if such person has custody of one or more resident children

and civil unions as defined in Sec. 3. 15 V.S.A. Chapter 23 § 1201.

4. “Resident” means anyone residing in the same household, except:

a) An individual in active military service with the armed forces of the United States of America

shall not be considered a resident in the household unless such individual operates a covered

automobile. However, military individual without an automobile will be considered a potential

driving exposure. All driver information including driving history must be

conveyed on the application or endorsement request.

b) A Inexperienced Unmarried Female Operator or a Inexperienced Unmarried Male Operator who

is a resident student without a car, at a school, college or educational institution over 100 road

miles from the place of principal garaging of the rated automobile shall be considered a resident

in the household and the automobile shall be eligible for the Student Over 100 Miles From Home

Discount. The applicable rating factor is the “Married” class factor for the appropriate

Inexperienced class. If the “Married” class factor is higher, then use the otherwise applicable

“Unmarried” class factor.


5. Inexperienced Operator Assignments

a) Single Car Risks:

The Inexperienced operator with the highest Primary Rating Factor shall apply. If applicable, the

Driver Training and Good Student Discounts should be included.

b) Multi-Car Risk:

1) Assign any Inexperienced principal operators to the autos they principally operate.

2) Assign other Inexperienced operators as follows:

(a) Determine the primary rating factors to the automobile he/she operates most frequently.

(b) Determine the applicable Inexperienced operator classification. These classifications shall

be applied separately to the number of automobiles equal to the number of Inexperienced

operators.

(c) When the number of automobiles exceed the number of Inexperienced operators, the

Inexperienced operator classification(s) shall be applied to the automobile most

frequently driven by the operator.

(d) After assigning Inexperienced operators to the applicable automobiles, each factor must

be adjusted for the actual use of the automobile before determining and applying the

secondary rating factor.

(e) Any remaining automobiles are rated at the appropriate non-Inexperienced operator

classification.

6. No Youthful Operator means:

(1) A Youthful Operator classification is not applicable to the auto, and

(2) The applicant or any other operator resident in the same household as the applicant who

customarily operates the auto, or any other person who customarily operates the auto, is

one of the following:

(a) Operator Age 30-39

(b) Operator Age 40-49

(c) Operator Age 50-64

(d) Operator Age 65-74

(e) Operator Age 75-79

(f) Operator Age 80-84

(g) Operator Age 85 or Over

SPECIAL NOTE: Any Inexperienced operator class shall apply in accordance with the

Youthful Operator Assignments above.

7. More Vehicles than drivers Classification Assignment

When the number of vehicles exceeds the number of rated drivers on the policy, the extra vehicle (s)

should be rated using the 30-39 Male Married classification. This does not apply if all rated drivers

on the policy are age 50 - 69. In this case, the extra vehicle (s) should be rated using the rate

classification that would apply the lowest rate factor.

NOTE: Any youthful operator class shall apply in accordance with the youthful operator rules.


Use Classification – All Other Programs

1. “Pleasure Use” means:

a) The automobile is not driven to and from work/school;

b) There is no business use of the automobile, and

c) The automobile is customarily used for commuting less than three road miles,

one way.

d) The automobile is used for commuting three or more, but less than fifteen road

miles, one way, and is used for commuting less than three days per week.

2. “Short Commute” means:

a) There is no business use of the automobile,

b) The automobile is used for driving to and from work/school three but less than

fifteen road miles, one way, and

c) The automobile is used for driving part way to and from work/school

(example; to a railroad, bus depot or commuter lot) three but less than fifteen

road miles one way

d) The automobile is used for driving part way to and from work/school fifteen or

more road miles, one way, but less than three days per week.

3. “Long Commute” means:

a) There is no business use of the automobile; and,

b) The automobile is used for driving to and from work/school, 15 or more road

miles, one way.

4. “Business Use” means:

a) The automobile is used in an occupation, profession or business, other than

commuting as defined above; and,

b) Vehicles such as pick-ups, panel trucks and vans are not eligible for private

passenger automobile rating when used in an occupation, profession or

business of the insured.


5. “Farm Use” means:

a) The automobile is principally garaged on a farm or ranch;

b) The automobile is customarily used in farming or ranching; and,

c) The automobile is not used for commuting to or from work/school as defined

by Rules c.1. through c.4.

Age, Sex, and Marital Status Classification

1. “Youthful Operator” means an applicant or any other operator of the automobile

residing in the same household as the applicant who operates that automobile as

follows:

a) “Youthful Unmarried Female Operator” means an unmarried female under 25

years of age who is not an owner or principal operator;

b) “Youthful Unmarried Female Principal Operator” means an unmarried female

under 25 years of age who is a principal operator;

c) “Youthful Married Male Operator” means married male under 25 years of age;

d) “Youthful Unmarried Male Operator” means an unmarried male under 25

years of age who is not an owner or principal operator;

e) “Youthful Unmarried Male Principal Operator” means an unmarried male

under 30 years of age who is a principal operator.

2. “Age” means the age attained on the last birthday.

3. “Married” means a married person living with his or her spouse and includes a person

widowed, divorced or legally separated only if such person has custody of a child

resident in his/her household.

4. “Resident” means anyone residing in the same household except:

a) An individual in active military service with the armed forces of the United

States of America shall not be considered a resident in the household unless

such individual operates a covered automobile. However, the military

individual without an automobile will be considered a potential driving

exposure. All driver information including driving history must be conveyed

on the application or endorsement request.

b) A Youthful Unmarried Female Operator or a Youthful Unmarried Male

Operator who is a resident student without a car, at a school, college, or

educational institution over 100 road miles from the place of principal garaging

of the rated automobile shall be considered a resident in the household and the

automobile shall be eligible for the Student Over 100 Miles From Home

Discount. The applicable rating factor is the “married” class factor for the

appropriate Youthful class. If the “married” class factor is higher, then use the

otherwise applicable “unmarried” factor.

5. Youthful Operator Assignments

a) Single Car Risks -


The youthful operator with the highest primary rating factor shall apply. If

applicable, the Driver Training and Good Student Discounts should be

included.

b) Multi-Car Risks -

1) Assign all youthful principal operators to the automobiles they

principally operate.

2) Assign other youthful operators as follows:

(a) As primary rating factor to the automobile he/she operates most

frequently.

(b) The applicable youthful operator classifications shall be applied

separately to the number of automobiles equal to the number of

youthful operators.

(c) When the number of automobiles exceeds the number of

youthful operators, the youthful operator classification(s) shall

be applied to the automobile most frequently driven by the

operator(s).

(d) After assigning youthful operators to applicable automobiles,

each factor must be adjusted for the actual use of the automobile

before determining and applying the secondary rating factor.

(e) Any remaining automobiles are rated at the appropriate no

youthful operator classification.

6. Operators 50 and Over Assignments

NOTE: Any youthful operator class shall apply in accordance with the youthful

operator rules.

a) The principal operator age 50-64 class shall apply if the principal operator of

the automobile is age 50 to 64.

b) The principal operator age 65-69 class shall apply if the principal operator of

the automobile is age 65-69.

c) The principal operator age 70-74 class shall apply if the principal operator of

the automobile is age 70-74.

d) The principal operator age 75 and over class shall apply if the principal

operator of the automobile is age 75 or over.

7. “All Other” Classification Assignment

a) Vehicles principally driven by adult operators between the ages of 30-49

should be rated using the “All Other” classification. This does not apply when

the female is the sole vehicle operator in the household. See Rating pages for

applicable class codes.

b) When the number of vehicles exceeds the number of rated drivers on the policy,

the extra vehicle (s) should be rated using the “All Other” classification. This does

not apply if all rated drivers on the policy are age 50-69. In this case, use the

applicable rating classification as shown in Rating pages.

NOTE: Any youthful operator class shall apply in accordance with the youthful operator

rules.


Rules for Determining Physical Damage Base Rates For Symbols Not Displayed on the Model

Year / Symbol Pages:

1. Comprehensive and Collision - For 1989 and prior model year automobiles, take the base rate

(from Territory Base Rate pages) and multiply by earliest model years shown for symbol 10 (on

Model Year/Symbol Factor Chart). Then multiply it by the following factor, depending upon the

actual symbol of the vehicle:

a. Assurance and Master

b. All Other

“Original Cost” means:

a) Manufacturer’s Suggested Retail Price for automobiles built in the U.S.

b) Manufacturer’s Suggested Retail Price in the U.S. for specialty built automobiles.

c) Manufacturer's Suggested Retail Price in the U.S. for imported automobiles.

3. Model Years Later Than Displayed On the Rate Pages

Take the appropriate base rate from the column displaying the most recent model year and

multiply by 1.05 for each year that the model year exceeds the latest model year displayed on the

rate pages.

Symbol Comp Coll

12 0.84 0.87

13 1.00 0.99

14 1.19 1.08

15 1.44 1.19

16 1.69 1.36

17 1.93 1.49

18 2.24 1.59

19 2.57 1.70

20 2.99 1.83

21 3.44 2.01

Symbol Comp Coll

1 0.23 0.47

2 0.23 0.47

3 0.23 0.47

4 0.23 0.47

5 0.23 0.47

6 0.33 0.56

7 0.44 0.64

8 0.55 0.73

10 0.63 0.77

11 0.71 0.81

Symbol Comp Coll

12 0.84 0.87

13 1.00 0.99

14 1.19 1.08

15 1.44 1.19

16 1.69 1.36

17 1.97 1.51

18 2.31 1.63

19 2.67 1.77

20 3.12 1.92

21 3.60 2.12

Symbol Comp Coll

1 0.23 0.47

2 0.23 0.47

3 0.23 0.47

4 0.23 0.47

5 0.23 0.47

6 0.33 0.56

7 0.44 0.64

8 0.55 0.73

10 0.63 0.77

11 0.71 0.81


Changes

a) All changes requiring premium adjustments shall be computed pro-rata.

b) If an automobile or a form of coverage that was cancelled from a policy at the request of the

insured is reinstated within 30 days, the premium shall be the same amount that was returned

at the time of the cancellation.

Cancellation

If a policy, vehicle or form of coverage is cancelled by the Company or Named Insured compute the

return premium pro-rata.

Suspension of Coverage

1. Under any existing policy providing just physical damage coverage, only Collision may be

suspended.

2. Liability coverages may not be suspended for risks for which a financial responsibility filing is in

effect.

3. Insurance may be suspended by endorsement in accordance with the following provisions

provided the period of suspension is at least thirty (30) consecutive days:

a) Insurance may be reinstated upon the named insured’s written request effective not earlier

than the receipt of such request by the company or any authorized representatives.

b) The reinstatement of insurance endorsement shall not extend the policy beyond its original

expiration date.

c) Pro-rata premium credit shall be granted for the period of suspension upon reinstatement.

Companies can retain a minimum of ninety days premium calculated on a pro-rata basis for

the policy period.

d) If the policy expires during the period of suspension, the named insured shall be entitled to

pro-rata return premium in accordance with the foregoing provision of the rule with respect

to the minimum period of suspension and the minimum premium retention by the company.

4. Alternatively, coverage may be deleted based on the same provisions for suspension.

5. Coverage may not be deleted or suspended for Restricted Use (such as Recreational Trailers) or

Motor Home rated vehicles. The rate contemplates a lay-up period.

Minimum Premium

The minimum annual premium charge is $100.00 for each policy, certificate, declaration or binder

covering one or more of the following coverages:

Comprehensive, Collision, Single Limit Liability, Bodily Injury Liability, or Property Damage Liability

Premium for other coverages which may also be included in the policy shall be in addition

to the minimum annual premium.

The minimum annual premium charge is not subject to reduction except -- in the event of

cancellation or short-term policy, the minimum annual premium charge shall be adjusted on a

pro rata basis.

Whole Dollar Premium

The premium for each exposure should be rounded to the nearest whole dollar, separately for each


coverage provided by the policy.

A premium involving $.50 or more should be rounded to the next higher whole number.

This procedure shall apply to all interim premium adjustments, including endorsements or cancellations

at the request of the insured. In the case of cancellation by the company, the return

premium may be carried to the next higher whole dollar.

The phrase "each exposure" as used herein shall mean each premium developed (after the application of

all applicable adjustments) for (1) each auto, if written on a per car basis, and (2) for

all other auto business.


RATING TERRITORIES - SP, SPS, PF, PFS, STD, STDS and Commerce Autosurance

1. The State Rate Pages display rates by territory.

2. A rating territory is a geographical area defined in terms of U.S. Postal Services (USPS) ZIP

codes, as shown on the Territory Definitions pages.

a) Determine the applicable rating territory based on the ZIP code of the location of principal

garaging of the vehicle. If the ZIP code of the mailing address differs from the ZIP code of

the location of the principal garaging, use the ZIP code of the garaging location to assign the

rating territory.

b) As ZIP code boundaries are changed by the USPS, a new ZIP code may be created. If this

new ZIP code is not yet listed in the Territory Definitions, use the ZIP code that formerly

applied to the risk before the ZIP code boundaries were changed in order to determine the

rating territory for a risk located in the new ZIP code.

c) Future USPS ZIP code changes will be reflected in ISO’s territory definitions in accordance

with the ISO ZIP CODE Territory maintenance procedures on file with the Insurance

Department. Manual pages will be updated on a regular basis to reflect future ZIP code

changes.


ZIP Codes/Territories in Alphabetic Order

ZIP

CODE USPS ZIP Code Name Territory

ZIP


05640 Adamant 32 05648 Calais 32

05820 Albany 32 05444 Cambridge 37

05440 Alburg 32 05141 Cambridgeport 31

05250 Arlington 34 05903 Canaan 32

05030 Ascutney 31 05735 Castleton 36

05901 Averill 32 05142 Cavendish 32

05441 Bakersfield 32 05736 Center Rutland 36

05031 Barnard 31 05445 Charlotte 35

05821 Barnet 32 05038 Chelsea 33

05641 Barre 33 05143 Chester 31

05822 Barton 32 05144 Chester Depot 31

05823 Beebe Plain 32 05737 Chittenden 36

05902 Beecher Falls 32 05439 Colchester 35

05101 Bellows Falls 31 05446 Colchester 35

05730 Belmont 32 05449 Colchester 35

05442 Belvidere Center 32 05824 Concord 32

05201 Bennington 34 05039 Corinth 32

05731 Benson 36 05825 Coventry 32

05032 Bethel 32 05826 Craftsbury 32

05732 Bomoseen 32 05827 Craftsbury Common 32

05340 Bondville 32 05738 Cuttingsville 32

05033 Bradford 32 05739 Danby 32

05733 Brandon 36 05828 Danville 32

05301 Brattleboro 31 05829 Derby 32

05302 Brattleboro 31 05830 Derby Line 32

05303 Brattleboro 31 05251 Dorset 34

05304 Brattleboro 31 05252 East Arlington 34

05034 Bridgewater 32 05649 East Barre 33

05035 Bridgewater Corners 32 05447 East Berkshire 32

05734 Bridport 32 05832 East Burke 32

05443 Bristol 32 05650 East Calais 32

05036 Brookfield 32 05833 East Charleston 32

05037 Brownsville 31 05040 East Corinth 32

05401 Burlington 35 05076 East Corinth 32

05402 Burlington 35 05253 East Dorset 32

05405 Burlington 35 05341 East Dover 31

05406 Burlington 35 05448 East Fairfield 32

05647 Cabot 32 05836 East Hardwick 32


ZIP


ZIP


05837 East Haven 32 05048 Hartland 31

05740 East Middlebury 32 05049 Hartland Four Corners 31

05651 East Montpelier 33 05459 Highgate Center 32

05741 East Poultney 32 05460 Highgate Springs 32

05041 East Randolph 32 05461 Hinesburg 35

05042 East Ryegate 32 05462 Huntington 32

05838 East Saint Johnsbury 32 05655 Hyde Park 32

05043 East Thetford 31 05750 Hydeville 32

05742 East Wallingford 32 05845 Irasburg 32

05652 Eden 32 05846 Island Pond 32

05653 Eden Mills 32 05463 Isle La Motte 32

05450 Enosburg Falls 32 05342 Jacksonville 34

05451 Essex 35 05343 Jamaica 32

05452 Essex Junction 35 05464 Jeffersonville 37

05453 Essex Junction 35 05464 Jeffersonville 37

05743 Fair Haven 36 05465 Jericho 32

05454 Fairfax 37 05656 Johnson 37

05455 Fairfield 32 05466 Jonesville 32

05045 Fairlee 32 05751 Killington 32

05456 Ferrisburg 32 05657 Lake Elmore 32

05744 Florence 36 05148 Londonderry 32

05745 Forest Dale 36 05847 Lowell 32

05457 Franklin 32 05848 Lower Waterford 32

05746 Gaysville 32 05149 Ludlow 32

05904 Gilman 32 05906 Lunenburg 32

05839 Glover 32 05849 Lyndon 32

05146 Grafton 31 05850 Lyndon Center 32

05840 Granby 32 05851 Lyndonville 32

05458 Grand Isle 32 05254 Manchester 32

05654 Graniteville 33 05255 Manchester Center 32

05747 Granville 32 05344 Marlboro 31

05841 Greensboro 32 05658 Marshfield 32

05842 Greensboro Bend 32 05050 Mc Indoe Falls 32

05046 Groton 32 05753 Middlebury 32

05905 Guildhall 32 05757 Middletown Springs 32

05748 Hancock 32 05468 Milton 32

05843 Hardwick 32 05469 Monkton 32

05047 Hartford 31 05470 Montgomery 32


ZIP


ZIP


05471 Montgomery Center 32 05761 Pawlet 32

05601 Montpelier 33 05862 Peacham 32

05602 Montpelier 33 05151 Perkinsville 31

05603 Montpelier 33 05152 Peru 32

05604 Montpelier 33 05762 Pittsfield 36

05609 Montpelier 33 05763 Pittsford 36

05620 Montpelier 33 05667 Plainfield 32

05633 Montpelier 33 05056 Plymouth 32

05660 Moretown 32 05058 Post Mills 32

05853 Morgan 32 05764 Poultney 32

05661 Morrisville 32 05261 Pownal 34

05662 Moscow 37 05765 Proctor 36

05758 Mount Holly 32 05153 Proctorsville 32

05472 New Haven 32 05346 Putney 31

05051 Newbury 32 05059 Quechee 31

05345 Newfane 31 05060 Randolph 32

05855 Newport 32 05061 Randolph Center 32

05857 Newport Center 32 05062 Reading 31

05257 North Bennington 34 05350 Readsboro 34

05759 North Clarendon 36 05352 Readsboro 34

05858 North Concord 32 05476 Richford 32

05473 North Ferrisburg 32 05477 Richmond 32

05052 North Hartland 31 05766 Ripton 32

05474 North Hero 32 05767 Rochester 32

05665 North Hyde Park 32 05669 Roxbury 32

05666 North Montpelier 33 05768 Rupert 34

05053 North Pomfret 32 05701 Rutland 36

05260 North Pownal 34 05702 Rutland 36

05150 North Springfield 31 05478 Saint Albans 32

05054 North Thetford 32 05479 Saint Albans 32

05859 North Troy 32 05481 Saint Albans Bay 32

05663 Northfield 32 05819 Saint Johnsbury 32

05664 Northfield Falls 32 05863 Saint Johnsbury Center 32

05907 Norton 32 05769 Salisbury 32

05055 Norwich 31 05154 Saxtons River 31

05860 Orleans 32 05262 Shaftsbury 34

05760 Orwell 36 05065 Sharon 32

05861 Passumpsic 32 05866 Sheffield 32


ZIP


ZIP


05482 Shelburne 35 05675 Washington 33

05483 Sheldon 32 05671 Waterbury 32

05485 Sheldon Springs 32 05676 Waterbury 32

05770 Shoreham 32 05677 Waterbury Center 32

05670 South Barre 33 05492 Waterville 37

05403 South Burlington 35 05678 Websterville 33

05407 South Burlington 35 05774 Wells 32

05486 South Hero 32 05081 Wells River 32

05155 South Londonderry 32 05871 West Burke 32

05351 South Newfane 31 05872 West Charleston 32

05067 South Pomfret 32 05873 West Danville 32

05068 South Royalton 32 05356 West Dover 32

05069 South Ryegate 32 05357 West Dummerston 31

05070 South Strafford 32 05083 West Fairlee 32

05071 South Woodstock 32 05875 West Glover 32

05156 Springfield 31 05358 West Halifax 34

05487 Starksboro 32 05084 West Hartford 32

05772 Stockbridge 32 05085 West Newbury 32

05672 Stowe 37 05775 West Pawlet 32

05072 Strafford 32 05776 West Rupert 34

05867 Sutton 32 05777 West Rutland 36

05488 Swanton 32 05086 West Topsham 32

05073 Taftsville 32 05359 West Townshend 31

05074 Thetford 32 05360 West Wardsboro 32

05075 Thetford Center 32 05874 Westfield 32

05353 Townshend 31 05494 Westford 32

05868 Troy 32 05158 Westminster 31

05077 Tunbridge 32 05159 Westminster Station 31

05489 Underhill 32 05161 Weston 32

05490 Underhill Center 32

05491 Vergennes 32

05354 Vernon 31

05079 Vershire 32

05673 Waitsfield 32

05773 Wallingford 32

05355 Wardsboro 32

05674 Warren 32


TERRITORIES - AS and MA



SAFE DRIVER INSURANCE PLAN (SDIP)

The SDIP applies to all policies written with Commerce Insurance Company.

1. Eligibility

An auto is eligible for rating under this plan if it is:

a) Owned by an individual or jointly by two or more relatives residing in the same household.

b) Owned by a family partnership or Family Corporation, provided the vehicle is:

1) garaged on a farm or ranch; and

2) not rated as part of a fleet; and

3) not used in any occupation other than farming, ranching or permitted business use.

2. Definitions

a) Driving Record Points

1) Convictions

Points shall be assigned for convictions during the experience period for motor vehicle

violations of the applicant or any other current resident operator as follows:

(a) Six points shall be assigned for each of the following convictions:

(1) driving a motor vehicle while under the influence of an intoxicating liquor or

narcotic drug, or refusal to submit to a sobriety test; or

(2) driving a motor vehicle in a reckless manner; or

(3) eluding a law enforcement officer after being requested or signaled to stop; or

(4) passing or attempting to pass a police roadblock without authorization.

(b) Four points shall be assigned for each of the following convictions:

(1) failing to stop and report when involved in an accident; or

(2) homicide or assault arising out of the operation of a motor vehicle; or

(3) driving a motor vehicle at an excessive rate of speed where injury to person or

damage to property results there from; or

(4) operating during period of revocation or suspension of registration or license; or

(5) operating a motor vehicle without state or owner's authority; or

(6) loaning operators license to an unlicensed driver; or

(7) permitting an unlicensed person to drive; or

(8) the making of false statement in the application for license or registration; or

(9) impersonating an applicant for license or registration, or procuring a license or

registration through the impersonation whether for himself or another, or

(10) passing a stopped school bus with warning signals in operation; or

(11) suspension or revocation of an operators license.

(c) Two points shall be assigned for the accumulation of points requiring the Filing of


evidence of financial responsibility under any Financial Responsibility law.

(d) One point shall be assigned upon the second conviction of any moving violation not

otherwise listed above, and one additional point shall be assigned for each moving

violation conviction thereafter, unless the conviction resulted from an accident for

which points are assignable, in which case only the points for the accident shall be

assigned.

Exception: Convictions for the following shall not be regarded as moving violations:

(1) any motor vehicle "equipment" requirement of the motor vehicle and traffic laws,

except brakes;

(2) failure to display proper number plates provided such plates are in existence;

(3) failure to have in possession operator's or chauffeurs license provided there is one

in existence;

(4) failure to renew registration or failure to have vehicle inspected within six months

of expiration of last registration or inspection.

b) Accidents

Points shall be assigned for each accident that occurred during the experience period

involving the applicant or any current resident operator, while operating an auto.

(1) One point shall be assigned for each accident that results in:

(a) Bodily injury, net payment in excess of $900, or

(b) Death, or

(c) Property Damage, where the net payment for any accident exceeds $1,000.

Exceptions:

1) No points are assigned for accidents incurred by an operator demonstrated to be a

named insured or a principal operator of an auto insured under separate policy; and

2) No points are assigned for accidents occurring under the following circumstances:

(a) auto lawfully parked (if the parked vehicle rolls from the parked position then any

such accident is charged to the person who parked the auto); or

(b) the applicant owner or other resident operator reimbursed by, or on behalf of, a

person who is responsible for the accident or has a judgment against such person;

or

(c) auto is struck in the rear by another vehicle and the applicant or other resident

operator has not been convicted of a moving traffic violation in connection with

this accident; or

(d) operator of the other auto involved in the accident was convicted of a moving traffic

violation and the applicant or resident operator was not convicted of a

moving traffic violation in connection with the accident; or


(e) auto operated by the applicant or any resident operator is struck by a "hit and run"

vehicle, if the accident is reported to the proper authority within 24 hours by the

applicant or resident operator; or

(f) accidents involving damage by contact with animals or fowl; or

(g) accidents involving Physical Damage, limited to and caused by flying gravel,

missiles or falling objects; or

(h) accidents occurring when using auto in response to an emergency if the operator of

the auto at the time of accident was a paid or volunteer member of any Police or Fire

Department, First Aid Squad, or any law enforcement agency. This exception does not

include an accident occurring after the auto ceases to be used

in response to such emergency; or

(i) accidents involving an operator who is a public works employee or a law

enforcement officer if:

(1) the operator was using a motor vehicle in the course and scope of employment

at the time of the accident, and

(2) there is a policy of insurance other than the operator’s personal insurance

policy providing motor vehicle liability or collision coverage for the accident.

Note: For the purpose of this Exception, the term “public works employee” also

includes an individual who is an independent contractor under contract to

the governmental entity.

c) Inexperienced Operator

One point shall be assigned for each principal operator that has been licensed less than

two years.

d) Refund of Surcharged Premium

If a point has been assigned for an accident and it is later determined that the accident falls

under one of the exceptions in this rule, the company shall refund the increased

portion of the premium generated by the accident.

3. Experience Period

The experience period shall be the three years immediately preceding the date of application or

the thirty-nine (39) months preceding the renewal date of the policy.


4. Driving Record Sub-Classifications

The driving record sub-classification shall be determined from the number of Driving Record

Points accumulated during the experience period as follows:

Number of Driving Record

Driving Record Points Sub-Classification

0 0

1* 1

2 2

3 3

4 4

5 5

6 6

7 7

8 or more 8

* Inexperienced Operator points will be indicated with a Sub-Classification of '9'.

5. Multi-Car Risk

a) Any points developed under the SDIP are charged per incident by driver and assigned to the

one vehicle driven most frequently by that driver. For risks with more drivers than vehicles,

the driver who generates the most accumulated SDIP points must be an assigned rated

operator.

b) All remaining vehicles are rated as if this incident had not occurred.

Administration of SDIP

a) New Business

1) Initial information necessary to assign the proper Driving Record Sub-Classification shall

be obtained from an application signed personally by the applicant, motor vehicle records

(MVR) and Comprehensive Loss Underwriting Exchange report (CLUE).

2) The signature of the applicant on all applications received from an agent shall be certified

by such an agent.

b) Renewal Business

Information necessary to assign proper renewal Driving Record Sub-Classifications shall be

determined from any one or combination of the following:

1) Company's own records; or

2) Motor Vehicle records (MVR); or

3) Comprehensive Loss Underwriting Exchange report (CLUE); or

4) Renewal questionnaire signed by the applicant; or

5) An application signed by the applicant and producer.


Personal lines Auto Violation Reference Guide

Major Minor Non-Moving Violation

Conviction of a felony in connection with

the operation of a motor vehicle At-Fault accident Emissions violation

Criminal negligence resulting in death,

homicide or assault Driving over a fire hose Failure to provide proof of insurance

Drag racing Driving upon sidewalk Not-at-fault accident (exception NH) *

Driving a motor vehicle while under the

influence of an intoxicating liquor or

narcotic drug, or refusal to submit to a

sobriety test.

Excessive noise

Parking violation

Eluding a law enforcement officer after

being requested or signaled to stop

Failure to display valid inspection sticker if

over 60 days from the annual required

inspection

Seat belt violation

Failing to report an accident Failure to give proper signal Unregistered vehicle if less than 60 days

from annual expiration

Failure to yield right-of-way to an

emergency vehicle with warning signals in

operation

Failure to obey a school crossing guard

Fraud or false statements of documents Failure to obey traffic signal

Hit & Run Failure to yield right-of-way to a

pedestrian in a marked cross walk

Illegal attachment of plates Following too closely Open container of alcoholic beverage or

possession of drugs in car Improper backing

Operating after suspension of a drivers

license Improper passing

Passing a school bus with warning signals

in operation Improper turn

Passing or attempting to pass a police road block without authorization

Riding in trailers

Permitting unlawful use of motor vehicle Riding in trunk or outside of passenger

compartment

Reckless driving Speed less than 19 mph

Speeding in excess of 20 mph Traveling in the wrong lane, including

wrong way in a one-way

Suspension or revocation of an operators

license

Unregistered vehicle if over 60 days from

the annual expiration

Transportation of alcohol by a minor U-turn Unlawful use of license

*Not-at-fault accident is:

1.) Accident in which the other party is convicted 2.) Accident for which an insured has been fully reimbursed by the other party

3.) Accident where the insured is struck in the rear and not convicted

4.) Accident where the insured is struck by a hit and run driver – if reported to the police within 24 hours and the fact

that a hit and run driver did exist is established 5.) Accident where the auto was lawfully parked

6.) Accident caused by a collision with an animal or fowl

NOTE: The above list is intended as a guide and it is not all inclusive.


COMMERCE INSURANCE COMPANY

PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

SYMBOL FACTORS' VALUE All Programs

1989 and Prior 1990 to 2010

Symbol From To Symbol From To

1 1

2 2

3 3

4 4

5 5

6 6

7 7

8 8

10 10

11 11

12 12

13 13

14 14

15 15

16 16

17 17

18 18

19 19

20 20

21 21

22

23

24

25

26

27

28

29

30

31

32

33

The Price New Symbol assigned to each vehicle applies to both Comprehensive and Collision coverages

$ - $ 1,600

$ 1,601 $ 2,100

$ 2,101 $ 2,750

$ 2,751 $ 3,700

$ 3,701 $ 5,000

$ 5,001 $ 6,500

$ 6,501 $ 8,000

$ 8,001 $ 10,000

$ 10,001 $ 12,500

$ 12,501 $ 15,000

$ 15,001 $ 17,500

$ 17,501 $ 20,000

$ 20,001 $ 24,000

$ 24,001 $ 28,000

$ 28,001 $ 33,000

$ 33,001 $ 39,000

$ 39,001 $ 46,000

$ 46,001 $ 55,000

$ 55,001 $ 65,000

$ 65,001 $ 9,999,999

$ - $ 6,500

$ 6,501 $ 8,000

$ 8,001 $ 9,000

$ 9,001 $ 10,000

$ 10,001 $ 11,250

$ 11,251 $ 12,500

$ 12,501 $ 13,750

$ 13,751 $ 15,000

$ 15,001 $ 16,250

$ 16,251 $ 17,500

$ 17,501 $ 18,750

$ 18,751 $ 20,000

$ 20,001 $ 22,000

$ 22,001 $ 24,000

$ 24,001 $ 26,000

$ 26,001 $ 28,000

$ 28,001 $ 30,000

$ 30,001 $ 33,000

$ 33,001 $ 36,000

$ 36,001 $ 40,000

$ 40,001 $ 45,000

$ 45,001 $ 50,000

$ 50,001 $ 60,000

$ 60,001 $ 70,000

$ 70,001 $ 80,000

$ 80,001 $ 90,000

$ 90,001 $ 100,000

$ 100,001 $ 110,000

$ 110,001 $ 120,000

$ 120,001 $ 130,000

$ 130,001 $ 140,000

$ 140,001 $ 9,999,999




SYMBOL FACTORS' VALUE All Programs

2011 and greater

The Price New Symbol assigned to each vehicle applies to both Comprehensive and Collision coverages

Symbol From T o

1 $ - $ 3,000

2 $ 3,001 $ 5,500

3 $ 5,501 $ 8,000

4 $ 8,001 $ 9,000

5 $ 9,001 $ 10,000

6 $ 10,001 $ 11,000

7 $ 11,001 $ 12,000

8 $ 12,001 $ 13,000

10 $ 13,001 $ 14,000

11 $ 14,001 $ 15,000

12 $ 15,001 $ 15,625

13 $ 15,626 $ 16,250

14 $ 16,251 $ 16,875

15 $ 16,876 $ 17,500

16 $ 17,501 $ 18,125

17 $ 18,126 $ 18,750

18 $ 18,751 $ 19,375

19 $ 19,376 $ 20,000

20 $ 20,001 $ 20,625

21 $ 20,626 $ 21,250

22 $ 21,251 $ 21,875

23 $ 21,876 $ 22,500

24 $ 22,501 $ 23,125

25 $ 23,126 $ 23,750

26 $ 23,751 $ 24,375

27 $ 24,376 $ 25,000

28 $ 25,001 $ 25,625

29 $ 25,626 $ 26,250

30 $ 26,251 $ 26,875

31 $ 26,876 $ 27,500

32 $ 27,501 $ 28,125

33 $ 28,126 $ 28,750

34 $ 28,751 $ 29,375

35 $ 29,376 $ 30,000

36 $ 30,001 $ 31,000

Symbol From To

37 $ 31,001 $ 32,000

38 $ 32,001 $ 33,000

39 $ 33,001 $ 34,000

40 $ 34,001 $ 35,000

41 $ 35,001 $ 36,000

42 $ 36,001 $ 37,000

43 $ 37,001 $ 38,000

44 $ 38,001 $ 39,000

45 $ 39,001 $ 40,000

46 $ 40,001 $ 41,250

47 $ 41,251 $ 42,500

48 $ 42,501 $ 43,750

49 $ 43,751 $ 45,000

50 $ 45,001 $ 46,250

51 $ 46,251 $ 47,500

52 $ 47,501 $ 48,750

53 $ 48,751 $ 50,000

54 $ 50,001 $ 52,500

55 $ 52,501 $ 55,000

56 $ 55,001 $ 57,500

57 $ 57,501 $ 60,000

58 $ 60,001 $ 65,000

59 $ 65,001 $ 70,000

60 $ 70,001 $ 75,000

61 $ 75,001 $ 80,000

62 $ 80,001 $ 85,000

63 $ 85,001 $ 90,000

64 $ 90,001 $ 95,000

65 $ 95,001 $ 100,000

66 $ 100,001 $ 110,000

67 $ 110,001 $ 120,000

68 $ 120,001 $ 130,000

69 $ 130,001 $ 140,000

70 $ 140,001 $ 150,000

98 $ 150,001 $ 9,999,999

STATISTICAL CODES AND RATING FACTORS/RATES

Commerce Autosurance Program

1. No Youthful Operator - Primary Classification

Age Sex Marital

Status

Princ. Op.

Occas.

Pleasure Short Comm

Pleasure

Code Factor

Work 0-3 miles

Code Factor

Work 4-10 miles

Code Factor

Work 11-15 miles

Code Factor

21 - 22 Male Single O 8401 1.30 8404 1.30 8402 1.40 8405 1.44

P 8411 1.90 8414 1.90 8412 2.00 8415 2.04

Married O 8421 1.20 8424 1.20 8422 1.30 8425 1.34

P 8431 1.20 8434 1.20 8432 1.30 8435 1.34

Female Single O 8701 1.20 8704 1.20 8702 1.30 8705 1.34

P 8711 1.30 8714 1.30 8712 1.40 8715 1.44

Married All 8741 1.00 8744 1.00 8742 1.00 8745 1.04

23 - 24 Male Single O 8301 1.25 8304 1.25 8302 1.35 8305 1.39

P 8311 1.80 8314 1.80 8312 1.90 8315 1.94

Married O 8321 1.25 8324 1.25 8322 1.35 8325 1.39

P 8331 1.25 8334 1.25 8332 1.35 8335 1.39

Female Single O 8721 1.25 8724 1.25 8722 1.35 8725 1.39

P 8731 1.10 8734 1.10 8732 1.20 8735 1.24

Married All 8751 1.00 8754 1.00 8752 1.00 8755 1.04

25 - 27 Male Single O 8201 1.60 8204 1.60 8202 1.70 8205 1.74

P 8221 1.25 8224 1.25 8222 1.35 8225 1.39

Married All 8241 1.00 8244 1.00 8242 1.00 8245 1.04

Female Single All 8251 1.00 8254 1.00 8252 1.00 8255 1.04

Married All 8261 1.00 8264 1.00 8262 1.00 8265 1.04

28 - 29 Male Single O 8211 1.50 8214 1.50 8212 1.60 8215 1.64

P 8231 1.20 8234 1.20 8232 1.30 8235 1.34

Married All 8271 1.00 8274 1.00 8272 1.00 8275 1.04


Married All 8291 1.00 8294 1.00 8292 1.00 8295 1.04

30 - 39 Male Married All 8111 1.00 8114 1.00 8112 1.00 8115 1.04

30 - 39

Single All 8161 1.00 8164 1.00 8162 1.00 8165 1.04

Female Married All 8121 1.00 8124 1.00 8122 1.00 8125 1.04

Single All 8131 1.00 8134 1.00 8132 1.00 8135 1.04

40 - 49 Male Married All 8171 1.00 8174 1.00 8172 1.00 8175 1.04

40 - 49

Single All 8181 1.00 8184 1.00 8182 1.00 8185 1.04


Single All 8151 1.00 8154 1.00 8152 1.00 8155 1.04

50 - 59 Male Married All 8011 0.82 8014 0.82 8012 0.82 8015 0.86

Single All 8051 0.82 8054 0.82 8052 0.82 8055 0.86


Single All 8071 0.82 8074 0.82 8072 0.82 8075 0.86

60 - 62 Male Married All 8081 0.80 8084 0.80 8082 0.80 8085 0.84

Single All 8091 0.80 8094 0.80 8092 0.80 8095 0.84


Single All 8191 0.80 8194 0.80 8192 0.80 8195 0.84

Vermont Automobile

R-1

Vermont Automobile

R-2




Age Sex Marital

Status

Princ. Op.

Occas.

Pleasure Short Comm

Pleasure

Code Factor

Work 0-3 miles

Code Factor

Work 4-10 miles

Code Factor

Work 11-15 miles

Code Factor

63 - 64 Male Married All 8101 0.81

8341 0.81

8351 0.81

8361 0.81

8104 0.81

8344 0.81

8354 0.81

8364 0.81

8102 0.81

8342 0.81

8352 0.81

8362 0.81

8105 0.86

8345 0.86

8355 0.86

8365 0.86

Single All

Female Married All

Single All


8371 0.80

8381 0.80

8391 0.80

8024 0.80

8374 0.80

8384 0.80

8394 0.80

8022 0.80

8372 0.80

8382 0.80

8392 0.80

8025 0.84

8375 0.84

8385 0.84

8395 0.84

Single All

Female Married All

Single All


8451 0.83

8461 0.83

8471 0.83

8444 0.83

8454 0.83

8464 0.83

8474 0.83

8442 0.83

8452 0.83

8462 0.83

8472 0.83

8445 0.88

8455 0.88

8465 0.88

8475 0.88

Single All

Female Married All

Single All


8481 0.80

8491 0.80

8761 0.80

8034 0.80

8484 0.80

8494 0.80

8764 0.80

8032 0.80

8482 0.80

8492 0.80

8762 0.80

8035 0.84

8485 0.84

8495 0.84

8765 0.84

Single All

Female Married All

Single All


8781 0.85

8791 0.85

8661 0.85

8774 0.85

8784 0.85

8794 0.85

8664 0.85

8772 0.85

8782 0.85

8792 0.85

8662 0.85

8775 0.89

8785 0.89

8795 0.89

8665 0.89

Single All

Female Married All

Single All


8671 0.90

8681 0.90

8691 0.90

8044 0.90

8674 0.90

8684 0.90

8694 0.90

8042 0.90

8672 0.90

8682 0.90

8692 0.90

8045 0.94

8675 0.94

8685 0.94

8695 0.94

Single All

Female Married All

Single All


8951 0.99

8961 0.99

8971 0.99

8944 0.99

8954 0.99

8964 0.99

8974 0.99

8942 0.99

8952 0.99

8962 0.99

8972 0.99

8945 1.03

8955 1.03

8965 1.03

8975 1.03

Single All

Female Married All

Single All


8991 1.04

8561 1.04

8571 1.04

8984 1.04

8994 1.04

8564 1.04

8574 1.04

8982 1.04

8992 1.04

8562 1.04

8572 1.04

8985 1.08

8995 1.08

8565 1.08

8575 1.08

Single All

Female Married All

Single All


8591 1.13

8841 1.13

8851 1.13

8584 1.13

8594 1.13

8844 1.13

8854 1.13

8582 1.13

8592 1.13

8842 1.13

8852 1.13

8585 1.17

8595 1.17

8845 1.17

8855 1.17

Single All

Female Married All

Single All

86 & Over Male Married All 8861 1.22

8871 1.22

8881 1.22

8891 1.22

8864 1.22

8874 1.22

8884 1.22

8894 1.22

8862 1.22

8872 1.22

8882 1.22

8892 1.22

8865 1.26

8875 1.26

8885 1.26

8895 1.26

Single All

Female Married All

Single All

Vermont Automobile

R-3




Age

Sex

Marital

Status

Princ.

Op.

Occas.

Long Comm

Business

Code Factor

Work 15-20 miles

Code Factor

Work 21-30 miles

Code Factor

Work 31-50

miles

Code Factor

Work 50+ miles

Code Factor

21 - 22 Male Single O 8403 1.50 8406 1.57 8407 1.61 8400 1.66 8408 1.70

P 8413 2.10 8416 2.17 8417 2.21 8410 2.26 8418 2.30

Married O 8423 1.40 8426 1.47 8427 1.51 8420 1.56 8428 1.60

P 8433 1.40 8436 1.47 8437 1.51 8430 1.56 8438 1.60

Female Single O 8703 1.40 8706 1.47 8707 1.51 8700 1.56 8708 1.60

P 8713 1.50 8716 1.57 8717 1.61 8710 1.66 8718 1.70

Married All 8743 1.10 8746 1.17 8747 1.21 8740 1.26 8748 1.30

23 - 24 Male Single O 8303 1.45 8306 1.52 8307 1.56 8300 1.61 8308 1.65

P 8313 2.00 8316 2.07 8317 2.11 8310 2.16 8318 2.20

Married O 8323 1.45 8326 1.52 8327 1.56 8320 1.61 8328 1.65

P 8333 1.45 8336 1.52 8337 1.56 8330 1.61 8338 1.65

Female Single O 8723 1.45 8726 1.52 8727 1.56 8720 1.61 8728 1.65

P 8733 1.30 8736 1.37 8737 1.41 8730 1.46 8738 1.50

Married All 8753 1.10 8756 1.17 8757 1.21 8750 1.26 8758 1.30

25 - 27 Male Single O 8203 1.80 8206 1.87 8207 1.91 8200 1.96 8208 2.00

P 8223 1.45 8226 1.52 8227 1.56 8220 1.61 8228 1.65

Married All 8243 1.10 8246 1.17 8247 1.21 8240 1.26 8248 1.30

Female Single All 8253 1.10 8256 1.17 8257 1.21 8250 1.26 8258 1.30

Married All 8263 1.10 8266 1.17 8267 1.21 8260 1.26 8268 1.30

28 - 29 Male Single O 8213 1.70 8216 1.77 8217 1.81 8210 1.86 8218 1.90

P 8233 1.40 8236 1.47 8237 1.51 8230 1.56 8238 1.60

Married All 8273 1.10 8276 1.17 8277 1.21 8270 1.26 8278 1.30


Married All 8293 1.10 8296 1.17 8297 1.21 8290 1.26 8298 1.30

30 - 39 Male Married All 8113 1.10 8116 1.17 8117 1.21 8110 1.26 8118 1.30

30 - 39

Single All 8163 1.10 8166 1.17 8167 1.21 8160 1.26 8168 1.30

Female Married All 8123 1.10 8126 1.17 8127 1.21 8120 1.26 8128 1.30

Single All 8133 1.10 8136 1.17 8137 1.21 8130 1.26 8138 1.30

40 - 49 Male Married All 8173 1.10 8176 1.17 8177 1.21 8170 1.26 8178 1.30

40 - 49

Single All 8183 1.10 8186 1.17 8187 1.21 8180 1.26 8188 1.30


Single All 8153 1.10 8156 1.17 8157 1.21 8150 1.26 8158 1.30

50 - 59 Male Married All 8013 0.92 8016 0.99 8017 1.03 8010 1.08 8018 1.12

Single All 8053 0.92 8056 0.99 8057 1.03 8050 1.08 8058 1.12


Single All 8073 0.92 8076 0.99 8077 1.03 8070 1.08 8078 1.12

60 - 62 Male Married All 8083 0.89 8086 0.96 8087 1.00 8080 1.06 8088 1.09

Single All 8093 0.89 8096 0.96 8097 1.00 8090 1.06 8098 1.09


Single All 8193 0.89 8196 0.96 8197 1.00 8190 1.06 8198 1.09

Vermont Automobile

R-4




Age

Sex

Marital

Status

Princ.

Op.

Occas.

Long Comm

Business

Code Factor

Work 15-20 miles

Code Factor

Work 21-30 miles

Code Factor

Work 31-50

miles

Code Factor

Work 50+ miles

Code Factor


8343 0.91

8353 0.91

8363 0.91

8106 0.98

8346 0.98

8356 0.98

8366 0.98

8107 1.02

8347 1.02

8357 1.02

8367 1.02

8100 1.07

8340 1.07

8350 1.07

8360 1.07

8108 1.11

8348 1.11

8358 1.11

8368 1.11

Single All

Female Married All

Single All


8373 0.90

8383 0.90

8393 0.90

8026 0.97

8376 0.97

8386 0.97

8396 0.97

8027 1.01

8377 1.01

8387 1.01

8397 1.01

8020 1.06

8370 1.06

8380 1.06

8390 1.06

8028 1.10

8378 1.10

8388 1.10

8398 1.10

Single All

Female Married All

Single All


8453 0.94

8463 0.94

8473 0.94

8446 1.00

8456 1.00

8466 1.00

8476 1.00

8447 1.04

8457 1.04

8467 1.04

8477 1.04

8440 1.10

8450 1.10

8460 1.10

8470 1.10

8448 1.14

8458 1.14

8468 1.14

8478 1.14

Single All

Female Married All

Single All


8483 0.90

8493 0.90

8763 0.90

8036 0.97

8486 0.97

8496 0.97

8766 0.97

8037 1.01

8487 1.01

8497 1.01

8767 1.01

8030 1.06

8480 1.06

8490 1.06

8760 1.06

8038 1.10

8488 1.10

8498 1.10

8768 1.10

Single All

Female Married All

Single All


8783 0.95

8793 0.95

8663 0.95

8776 1.02

8786 1.02

8796 1.02

8666 1.02

8777 1.06

8787 1.06

8797 1.06

8667 1.06

8770 1.12

8780 1.12

8790 1.12

8660 1.12

8778 1.17

8788 1.17

8798 1.17

8668 1.17

Single All

Female Married All

Single All


8673 1.00

8683 1.00

8693 1.00

8046 1.07

8676 1.07

8686 1.07

8696 1.07

8047 1.11

8677 1.11

8687 1.11

8697 1.11

8040 1.16

8670 1.16

8680 1.16

8690 1.16

8048 1.20

8678 1.20

8688 1.20

8698 1.20

Single All

Female Married All

Single All


8953 1.10

8963 1.10

8973 1.10

8946 1.17

8956 1.17

8966 1.17

8976 1.17

8947 1.21

8957 1.21

8967 1.21

8977 1.21

8940 1.26

8950 1.26

8960 1.26

8970 1.26

8948 1.32

8958 1.32

8968 1.32

8978 1.32

Single All

Female Married All

Single All


8993 1.15

8563 1.15

8573 1.15

8986 1.22

8996 1.22

8566 1.22

8576 1.22

8987 1.26

8997 1.26

8567 1.26

8577 1.26

8980 1.31

8990 1.31

8560 1.31

8570 1.31

8988 1.38

8998 1.38

8568 1.38

8578 1.38

Single All

Female Married All

Single All


8593 1.25

8843 1.25

8853 1.25

8586 1.32

8596 1.32

8846 1.32

8856 1.32

8587 1.36

8597 1.36

8847 1.36

8857 1.36

8580 1.41

8590 1.41

8840 1.41

8850 1.41

8588 1.50

8598 1.50

8848 1.50

8858 1.50

Single All

Female Married All

Single All

86 &

Over

Male

Married

All

8863 1.35

8873 1.35

8883 1.35

8893 1.35

8866 1.42

8876 1.42

8886 1.42

8896 1.42

8867 1.46

8877 1.46

8887 1.46

8897 1.46

8860 1.51

8870 1.51

8880 1.51

8890 1.51

8868 1.62

8878 1.62

8888 1.62

8898 1.62

Single All

Female Married All

Single All

Vermont Automobile

R-5



Youthful Program - Primary Classifications

Good Student No Good Student

Age

Sex

Marital

Status

Princ

Oper.

Occas.

Driver

Training

Pleasure

DR/WK

Business

Pleasure

DR/WK

Business

17 or Less Male Single O Y 8604 2.10 8605 2.30 8606 2.45 8607 2.65

N 8614 2.35 8615 8616 2.70 8617 2.80

P Y 8624 3.05 8625 3.25 8626 3.55 8627 3.75

N 8634 3.30 8635 3.50 8636 3.80 8637 4.00

Married All Y 8644 1.65 8645 1.65 8646 2.00 8647 2.10

N 8654 1.90 8655 2.00 8656 2.25 8657 2.35

Female Single O Y 8904 1.70 8905 1.80 8906 1.95 8907 2.05

N 8914 1.95 8915 2.05 8916 2.20 8917 2.30

P Y 8924 2.00 8925 2.20 8926 2.25 8927 2.45

N 8934 2.25 8935 2.45 8936 2.50 8937 2.70

18 Male Single O Y 8602 2.10 8603 2.30 8608 2.45 8609 2.65

N 8612 2.35 8613 2.45 8618 2.70 8619 2.80

P Y 8622 3.05 8623 3.25 8628 3.55 8629 3.75

N 8632 3.30 8633 3.50 8638 3.80 8639 4.00

Married All Y 8642 1.65 8643 1.65 8648 2.00 8649 2.10

N 8652 1.90 8653 2.00 8658 2.25 8659 2.35

Female Single O Y 8902 1.70 8903 1.80 8908 1.95 8909 2.05

N 8912 1.95 8913 2.05 8918 2.20 8919 2.30

P Y 8922 2.00 8923 2.20 8928 2.25 8929 2.45

N 8932 2.25 8933 2.45 8938 2.50 8939 2.70

19 Male Single O Y 8504 1.95 8505 2.15 8506 2.30 8507 2.50

N 8514 2.20 8515 2.30 8516 2.55 8517 2.65

P Y 8524 2.90 8525 3.10 8526 3.40 8527 3.60

N 8534 3.15 8535 3.35 8536 3.65 8537 3.85

Married All Y 8544 1.50 8545 1.50 8546 1.85 8547 1.95

N 8554 1.75 8555 1.85 8556 2.10 8557 2.20

Female Single O Y 8804 1.55 8805 1.65 8806 1.80 8807 1.90

N 8814 1.80 8815 1.90 8816 2.05 8817 2.15

P Y 8824 1.85 8825 2.05 8826 2.10 8827 2.30

N 8834 2.10 8835 2.30 8836 2.35 8837 2.55

20 Male Single O Y 8502 1.95 8503 2.15 8508 2.30 8509 2.50

N 8512 2.20 8513 2.30 8518 2.55 8519 2.65

P Y 8522 2.90 8523 3.10 8528 3.40 8529 3.60

N 8532 3.15 8533 3.35 8538 3.65 8539 3.85

Married All Y 8542 1.50 8543 1.50 8548 1.85 8549 1.95

N 8552 1.75 8553 1.85 8558 2.10 8559 2.20

Female Single O Y 8802 1.55 8803 1.65 8808 1.80 8809 1.90

N 8812 1.80 8813 1.90 8818 2.05 8819 2.15

P Y 8822 1.85 8823 2.05 8828 2.10 8829 2.30

N 8832 2.10 8833 2.30 8838 2.35 8839 2.55

16 - 20 Female Married All All Refer To 21 - 22 Married Female Codes

Vermont Automobile

R-6



b. Secondary Classification - Safe Driver Insurance Plan

The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe

Driver Insurance Plan shall be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable

Primary Class Factor. Four door vehicles that feature a performance rating will not be surcharged.

Table Applicable to 1971 and Later Model Autos

SINGLE Sub

Class

0 1 2 3 4 5 6 7 8

Standard Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Code 10 11 12 13 14 15 16 17 18

Intermediate Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Code 30 31 32 33 34 35 36 37 38

High Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Code 50 51 52 53 54 55 56 57 58

Sports Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Code 70 71 72 73 74 75 76 77 78

Sports Prem. Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Code 90 91 92 93 94 95 96 97 98

MULTI

Sub

Class

0 1 2 3 4 5 6 7 8

Standard Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Code 20 21 22 23 24 25 26 27 28

Intermediate Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Code 40 41 42 43 44 45 46 47 48

High Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Code 60 61 62 63 64 65 66 67 68

Sports Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Code 80 81 82 83 84 85 86 87 88

Sports Prem. Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Code 00 01 02 03 04 05 06 07 08

Table Applicable to 1970 and and Prior Model Autos

SINGLE

Sub

Class

0 1 2 3 4 5 6 7 8

Factor 0.02 0.42 0.92 1.52 2.22 2.22 2.62 3.22 3.82

Non High

Performance

Code 10 11 12 13 14 15 16 17 18

High

Performance

Code 50 51 52 53 54 55 56 57 58

MULTI Sub

Class

0 1 2 3 4 5 6 7 8

Factor -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Non High

Performance

Code 20 21 22 23 24 25 26 27 28

High

Performance

Code 60 61 62 63 64 65 66 67 68

Vermont Automobile

R-7

MIDDLESEX MUTUAL ASSURANCE COMPANY


VIII. STATISTICAL CODES AND RATING FACTORS/RATES

A. Assurance Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work

Short Comm Long Comm

Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.55 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.15 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.45 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.45 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.45 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.55 8718/ 1.70 8719/ 1.15

Married All Refer To All Other

23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.50 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.05 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.50 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.50 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.50 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.35 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.85 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.50 8228/ 1.65 8229/ 1.10

Married All Refer To All Other Female Single All

Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.75 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.45 8238/ 1.60 8239/ 1.05


Married All

30 - 49 Female All Sole Operator 8121/ 1.00 8122/ 1.00 8123/ 1.15 8128/ 1.30 8129/ 0.85

50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.95 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.95 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.95 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.05 8048/ 1.20 8049/ 0.70

All Other All All All 8111/ 1.00 8112/ 1.00 8113/ 1.15 8118/ 1.30 8119/ 0.85

Vermont Automobile

R-8




2. Youthful Program - Primary Classifications


Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business

17 or Less Male Single O Y 8604/ 1.95 8605/ 2.15 8606/ 2.30 8607/ 2.50

N 8614/ 2.20 8615/ 2.30 8616/ 2.55 8617/ 2.65

P Y 8624/ 2.90 8625/ 3.10 8626/ 3.40 8627/ 3.60

N 8634/ 3.15 8635/ 3.35 8636/ 3.65 8637/ 3.85

Married All Y 8644/ 1.50 8645/ 1.50 8646/ 1.85 8647/ 1.95

N 8654/ 1.75 8655/ 1.85 8656/ 2.10 8657/ 2.20

Female Single O Y 8904/ 1.55 8905/ 1.65 8906/ 1.80 8907/ 1.90

N 8914/ 1.80 8915/ 1.90 8916/ 2.05 8917/ 2.15

P Y 8924/ 1.90 8925/ 2.10 8926/ 2.15 8927/ 2.35

N 8934/ 2.15 8935/ 2.35 8936/ 2.40 8937/ 2.60

18 Male Single O Y 8602/ 1.95 8603/ 2.15 8608/ 2.30 8609/ 2.50

N 8612/ 2.20 8613/ 2.30 8618/ 2.55 8619/ 2.65

P Y 8622/ 2.90 8623/ 3.10 8628/ 3.40 8629/ 3.60

N 8632/ 3.15 8633/ 3.35 8638/ 3.65 8639/ 3.85

Married All Y 8642/ 1.50 8643/ 1.50 8648/ 1.85 8649/ 1.95

N 8652/ 1.75 8653/ 1.85 8658/ 2.10 8659/ 2.20

Female Single O Y 8902/ 1.55 8903/ 1.65 8908/ 1.80 8909/ 1.90

N 8912/ 1.80 8913/ 1.90 8918/ 2.05 8919/ 2.15

P Y 8922/ 1.90 8923/ 2.10 8928/ 2.15 8929/ 2.35

N 8932/ 2.15 8933/ 2.35 8938/ 2.40 8939/ 2.60

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55

16 - 20 Female Married All All Refer To No Youthful Codes - All Other

Vermont Automobile

R-9





The Rating Factors applicable to the Vehicle Type, Single or Multi-Car Risks and risks with one or more points assigned under the Safe Driver Insurance Plan shall

be determined by the addition or subtraction of the appropriate Secondary Class Factor from the applicable Primary Class Factor. Four door vehicles that feature a

performance rating will not be surcharged.


SINGLE CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS

Number of Points 0 1 2 3 4 5 6 7 8

Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Intermediate Code 30 31 32 33 34 35 36 37 38


High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98


MULTI CAR SUB CLASSIFICATION FOR 1971 AND LATER MODEL YEARS


Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Intermediate Factor 40 41 42 43 44 45 46 47 48

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Prem. Factor 00 01 02 03 04 05 06 07 08

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

SINGLE CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS


Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

MULTI CAR SUB CLASSIFICATION FOR 1970 AND PRIOR MODEL YEARS


Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Vermont Automobile

R-10




A. Master Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.55 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.15 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.45 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.45 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.45 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.55 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.50 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.05 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.50 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.50 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.50 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.35 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.85 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.50 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.75 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.45 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.95 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.95 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.95 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.05 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-11



A. Master Program



Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.20 8615/ 2.30 8616/ 2.55 8617/ 2.65

P Y 8624/ 2.90 8625/ 3.10 8626/ 3.40 8627/ 3.60

N 8634/ 3.15 8635/ 3.35 8636/ 3.65 8637/ 3.85

Married All Y 8644/ 1.50 8645/ 1.50 8646/ 1.85 8647/ 1.95

N 8654/ 1.75 8655/ 1.85 8656/ 2.10 8657/ 2.20

Female Single O Y 8904/ 1.55 8905/ 1.65 8906/ 1.80 8907/ 1.90

N 8914/ 1.80 8915/ 1.90 8916/ 2.05 8917/ 2.15

P Y 8924/ 1.90 8925/ 2.10 8926/ 2.15 8927/ 2.35

N 8934/ 2.15 8935/ 2.35 8936/ 2.40 8937/ 2.60

18 Male Single O Y 8602/ 1.95 8603/ 2.15 8608/ 2.30 8609/ 2.50

N 8612/ 2.20 8613/ 2.30 8618/ 2.55 8619/ 2.65

P Y 8622/ 2.90 8623/ 3.10 8628/ 3.40 8629/ 3.60

N 8632/ 3.15 8633/ 3.35 8638/ 3.65 8639/ 3.85

Married All Y 8642/ 1.50 8643/ 1.50 8648/ 1.85 8649/ 1.95

N 8652/ 1.75 8653/ 1.85 8658/ 2.10 8659/ 2.20

Female Single O Y 8902/ 1.55 8903/ 1.65 8908/ 1.80 8909/ 1.90

N 8912/ 1.80 8913/ 1.90 8918/ 2.05 8919/ 2.15

P Y 8922/ 1.90 8923/ 2.10 8928/ 2.15 8929/ 2.35

N 8932/ 2.15 8933/ 2.35 8938/ 2.40 8939/ 2.60

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-12



A. Master Program








Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80


Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80


Code -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.20 0.20 0.70 1.30 2.00 2.00 2.60 3.20 3.80

Vermont Automobile

R-13




A. Super Preferred Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-14






Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-15











Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-16




A. Super Preferred Select Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-17






Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-18











Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-19




A. Preferred Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-20






Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-21











Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-22




A. Preferred Select Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-23






Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-24











Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-25




A. Standard Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.75

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.80

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.90

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 1.00


Vermont Automobile

R-26



A. Standard Program



Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-27



A. Standard Program








Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-28




A. Standard Select Program


Age

Sex

Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male

Female

Single O 8401/ 1.30 8402/ 1.40 8403/ 1.50 8408/ 1.70 8409/ 1.15

P 8411/ 1.90 8412/ 2.00 8413/ 2.10 8418/ 2.30 8419/ 1.85

Married O 8421/ 1.20 8422/ 1.30 8423/ 1.40 8428/ 1.60 8429/ 1.05

P 8431/ 1.20 8432/ 1.30 8433/ 1.40 8438/ 1.60 8439/ 1.05

Single O 8701/ 1.20 8702/ 1.30 8703/ 1.40 8708/ 1.60 8709/ 1.05

P 8711/ 1.30 8712/ 1.40 8713/ 1.50 8718/ 1.70 8719/ 1.15


23 - 24 Male Single O 8301/ 1.25 8302/ 1.35 8303/ 1.45 8308/ 1.65 8309/ 1.10

P 8311/ 1.80 8312/ 1.90 8313/ 2.00 8318/ 2.20 8319/ 1.65

Married O 8321/ 1.25 8322/ 1.35 8323/ 1.45 8328/ 1.65 8329/ 1.10

P 8331/ 1.25 8332/ 1.35 8333/ 1.45 8338/ 1.65 8339/ 1.10

Female Single O 8721/ 1.25 8722/ 1.35 8723/ 1.45 8728/ 1.65 8729/ 1.10

P 8731/ 1.10 8732/ 1.20 8733/ 1.30 8738/ 1.50 8739/ 0.95


25 - 27 Male Single O 8201/ 1.60 8202/ 1.70 8203/ 1.80 8208/ 2.00 8209/ 1.45

P 8221/ 1.25 8222/ 1.35 8223/ 1.45 8228/ 1.65 8229/ 1.10


Married All

28 - 29 Male Single O 8211/ 1.50 8212/ 1.60 8213/ 1.70 8218/ 1.90 8219/ 1.35

P 8231/ 1.20 8232/ 1.30 8233/ 1.40 8238/ 1.60 8239/ 1.05


Married All


50 - 64 All All All 8011/ 0.80 8012/ 0.80 8013/ 0.90 8018/ 1.10 8019/ 0.60

65 - 69 All All All 8021/ 0.80 8022/ 0.80 8023/ 0.90 8028/ 1.10 8029/ 0.60

70 - 74 All All All 8031/ 0.80 8032/ 0.80 8033/ 0.90 8038/ 1.10 8039/ 0.60

75 & Over All All All 8041/ 0.90 8042/ 0.90 8043/ 1.00 8048/ 1.20 8049/ 0.70


Vermont Automobile

R-29






Age Sex Marital

Status

Princ Oper

Occasional

Driver

Training

Pleasure

Farm

DR/WK

Business

Pleasure

Farm

DR/WK

Business


N 8614/ 2.35 8615/ 2.45 8616/ 2.70 8617/ 2.80

P Y 8624/ 3.05 8625/ 3.25 8626/ 3.55 8627/ 3.75

N 8634/ 3.30 8635/ 3.50 8636/ 3.80 8637/ 4.00

Married All Y 8644/ 1.65 8645/ 1.65 8646/ 2.00 8647/ 2.10

N 8654/ 1.90 8655/ 2.00 8656/ 2.25 8657/ 2.35

Female Single O Y 8904/ 1.70 8905/ 1.80 8906/ 1.95 8907/ 2.05

N 8914/ 1.95 8915/ 2.05 8916/ 2.20 8917/ 2.30

P Y 8924/ 2.00 8925/ 2.20 8926/ 2.25 8927/ 2.45

N 8934/ 2.25 8935/ 2.45 8936/ 2.50 8937/ 2.70

18 Male Single O Y 8602/ 2.10 8603/ 2.30 8608/ 2.45 8609/ 2.65

N 8612/ 2.35 8613/ 2.45 8618/ 2.70 8619/ 2.80

P Y 8622/ 3.05 8623/ 3.25 8628/ 3.55 8629/ 3.75

N 8632/ 3.30 8633/ 3.50 8638/ 3.80 8639/ 4.00

Married All Y 8642/ 1.65 8643/ 1.65 8648/ 2.00 8649/ 2.10

N 8652/ 1.90 8653/ 2.00 8658/ 2.25 8659/ 2.35

Female Single O Y 8902/ 1.70 8903/ 1.80 8908/ 1.95 8909/ 2.05

N 8912/ 1.95 8913/ 2.05 8918/ 2.20 8919/ 2.30

P Y 8922/ 2.00 8923/ 2.20 8928/ 2.25 8929/ 2.45

N 8932/ 2.25 8933/ 2.45 8938/ 2.50 8939/ 2.70

19 Male Single O Y 8504/ 1.95 8505/ 2.15 8506/ 2.30 8507/ 2.50

N 8514/ 2.20 8515/ 2.30 8516/ 2.55 8517/ 2.65

P Y 8524/ 2.90 8525/ 3.10 8526/ 3.40 8527/ 3.60

N 8534/ 3.15 8535/ 3.35 8536/ 3.65 8537/ 3.85

Married All Y 8544/ 1.50 8545/ 1.50 8546/ 1.85 8547/ 1.95

N 8554/ 1.75 8555/ 1.85 8556/ 2.10 8557/ 2.20

Female Single O Y 8804/ 1.55 8805/ 1.65 8806/ 1.80 8807/ 1.90

N 8814/ 1.80 8815/ 1.90 8816/ 2.05 8817/ 2.15

P Y 8824/ 1.85 8825/ 2.05 8826/ 2.10 8827/ 2.30

N 8834/ 2.10 8835/ 2.30 8836/ 2.35 8837/ 2.55

20 Male Single O Y 8502/ 1.95 8503/ 2.15 8508/ 2.30 8509/ 2.50

N 8512/ 2.20 8513/ 2.30 8518/ 2.55 8519/ 2.65

P Y 8522/ 2.90 8523/ 3.10 8528/ 3.40 8529/ 3.60

N 8532/ 3.15 8533/ 3.35 8538/ 3.65 8539/ 3.85

Married All Y 8542/ 1.50 8543/ 1.50 8548/ 1.85 8549/ 1.95

N 8552/ 1.75 8553/ 1.85 8558/ 2.10 8559/ 2.20

Female Single O Y 8802/ 1.55 8803/ 1.65 8808/ 1.80 8809/ 1.90

N 8812/ 1.80 8813/ 1.90 8818/ 2.05 8819/ 2.15

P Y 8822/ 1.85 8823/ 2.05 8828/ 2.10 8829/ 2.30

N 8832/ 2.10 8833/ 2.30 8838/ 2.35 8839/ 2.55


Vermont Automobile

R-30











Standard Code 10 11 12 13 14 15 16 17 18

Standard Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Code 70 71 72 73 74 75 76 77 78

Sports Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

Sports Prem. Code 90 91 92 93 94 95 96 97 98




Standard Factor 20 21 22 23 24 25 26 27 28

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Factor 60 61 62 63 64 65 66 67 68

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Sports Factor 80 81 82 83 84 85 86 87 88

Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80


Code -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80



Non High Code 10 11 12 13 14 15 16 17 18

Non High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80

High Code 50 51 52 53 54 55 56 57 58

High Factor 0.00 0.40 0.90 1.50 2.20 2.20 2.60 3.20 3.80



Non High Code 20 21 22 23 24 25 26 27 28

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

High Code 60 61 62 63 64 65 66 67 68

Performance -0.15 0.25 0.75 1.35 2.05 2.05 2.60 3.20 3.80

Vermont Automobile

R-31

MIDDLESEX MUTUAL ASSURANCE COMPANY - PERSONAL AUTOMOBILE PROGRAM MANUAL - VERMONT

IX. EXTENDED GOOD STUDENT CREDIT

Predictive Model Program


Age Sex Marital

Status

Principal O

Occasional

Pleasure Short Comm

Pleasure

Code Factor

Work 0-3 miles

Code Factor

Work 4-10 miles

Code Factor

Work 11-15 miles

Code Factor

21 - 22 Male Single O 8401 -0.18 8404 -0.18 8402 -0.24 8405 -0.24

P 8411 -0.40 8414 -0.40 8412 -0.40 8415 -0.40

Married O 8421 -0.12 8424 -0.12 8422 -0.18 8425 -0.18

P 8431 -0.12 8434 -0.12 8432 -0.18 8435 -0.18

Female Single O 8701 -0.12 8704 -0.12 8702 -0.18 8705 -0.18

P 8711 -0.18 8714 -0.18 8712 -0.24 8715 -0.24

Married All 8741 0.00 8744 0.00 8742 0.00 8745 0.00

23 - 24 Male Single O 8301 -0.15 8304 -0.15 8302 -0.21 8305 -0.21

P 8311 -0.40 8314 -0.40 8312 -0.40 8315 -0.40

Married O 8321 -0.15 8324 -0.15 8322 -0.21 8325 -0.21

P 8331 -0.15 8334 -0.15 8332 -0.21 8335 -0.21

Female Single O 8721 -0.15 8724 -0.15 8722 -0.21 8725 -0.21

P 8731 -0.06 8734 -0.06 8732 -0.12 8735 -0.12

Married All 8751 0.00 8754 0.00 8752 0.00 8755 0.00

25 - 27 Male Single O 8201 -0.36 8204 -0.36 8202 -0.40 8205 -0.40

P 8221 -0.15 8224 -0.15 8222 -0.21 8225 -0.21

Married All 8241 0.00 8244 0.00 8242 0.00 8245 0.00


Married All 8261 0.00 8264 0.00 8262 0.00 8265 0.00

28 - 29 Male Single O 8211 -0.30 8214 -0.30 8212 -0.36 8215 -0.36

P 8231 -0.12 8234 -0.12 8232 -0.18 8235 -0.18

Married All 8271 0.00 8274 0.00 8272 0.00 8275 0.00


Married All 8291 0.00 8294 0.00 8292 0.00 8295 0.00

Age Sex Marital

Status

Principal O

Occasional

Long Comm

Business

Code Factor

Work 15-20 miles

Code Factor

Work 21-30 miles

Code Factor

Work 31-50 miles

Code Factor

Work 50+ miles

Code Factor

21 - 22 Male Single O 8403 -0.24 8406 -0.24 8407 -0.24 8400 -0.24 8408 -0.24

P 8413 -0.40 8416 -0.40 8417 -0.40 8410 -0.40 8418 -0.40

Married O 8423 -0.18 8426 -0.18 8427 -0.18 8420 -0.18 8428 -0.18

P 8433 -0.18 8436 -0.18 8437 -0.18 8430 -0.18 8438 -0.18

Female Single O 8703 -0.18 8706 -0.18 8707 -0.18 8700 -0.18 8708 -0.18

P 8713 -0.24 8716 -0.24 8717 -0.24 8710 -0.24 8718 -0.24

Married All 8743 0.00 8746 0.00 8747 0.00 8740 0.00 8748 0.00

23 - 24 Male Single O 8303 -0.21 8306 -0.21 8307 -0.21 8300 -0.21 8308 -0.21

P 8313 -0.40 8316 -0.40 8317 -0.40 8310 -0.40 8318 -0.40

Married O 8323 -0.21 8326 -0.21 8327 -0.21 8320 -0.21 8328 -0.21

P 8333 -0.21 8336 -0.21 8337 -0.21 8330 -0.21 8338 -0.21

Female Single O 8723 -0.21 8726 -0.21 8727 -0.21 8720 -0.21 8728 -0.21

P 8733 -0.12 8736 -0.12 8737 -0.12 8730 -0.12 8738 -0.12

Married All 8753 0.00 8756 0.00 8757 0.00 8750 0.00 8758 0.00

25 - 27 Male Single O 8203 -0.40 8206 -0.40 8207 -0.40 8200 -0.40 8208 -0.40

P 8223 -0.21 8226 -0.21 8227 -0.21 8220 -0.21 8228 -0.21

Married All 8243 0.00 8246 0.00 8247 0.00 8240 0.00 8248 0.00


Married All 8263 0.00 8266 0.00 8267 0.00 8260 0.00 8268 0.00

28 - 29 Male Single O 8213 -0.36 8216 -0.36 8217 -0.36 8210 -0.36 8218 -0.36

P 8233 -0.18 8236 -0.18 8237 -0.18 8230 -0.18 8238 -0.18

Married All 8273 0.00 8276 0.00 8277 0.00 8270 0.00 8278 0.00


Married All 8293 0.00 8296 0.00 8297 0.00 8290 0.00 8298 0.00

Vermont Automobile

R-32



IX. EXTENDED GOOD STUDENT CREDIT

Super Preferred, Super Preferred Slelect, Preferred, Preferred Select, Standard, and Standard Select Programs


Age Sex Marital

Status

Principal Oper.

Occasional

Pleasure

Drive to Work


Business

Farm

21 - 22 Male Single O 8401/ -0.18 8402/ -0.24 8403/ -0.24 8408/ -0.24 8409/ -0.18

P 8411/ -0.40 8412/ -0.40 8413/ -0.40 8418/ -0.40 8419/ -0.40

Married O 8421/ -0.12 8422/ -0.18 8423/ -0.18 8428/ -0.18 8429/ -0.12

P 8431/ -0.12 8432/ -0.18 8433/ -0.18 8438/ -0.18 8439/ -0.12

Female Single O 8701/ -0.12 8702/ -0.18 8703/ -0.18 8708/ -0.18 8709/ -0.12

P 8711/ -0.18 8712/ -0.24 8713/ -0.24 8718/ -0.24 8719/ -0.18


23 - 24 Male Single O 8301/ -0.15 8302/ -0.21 8303/ -0.21 8308/ -0.21 8309/ -0.15

P 8311/ -0.40 8312/ -0.40 8313/ -0.40 8318/ -0.40 8319/ -0.40

Married O 8321/ -0.15 8322/ -0.21 8323/ -0.21 8328/ -0.21 8329/ -0.15

P 8331/ -0.15 8332/ -0.21 8333/ -0.21 8338/ -0.21 8339/ -0.15

Female Single O 8721/ -0.15 8722/ -0.21 8723/ -0.21 8728/ -0.21 8729/ -0.15

P 8731/ -0.06 8732/ -0.12 8733/ -0.12 8738/ -0.12 8739/ -0.06


25 - 27 Male Single O 8201/ -0.36 8202/ -0.40 8203/ -0.40 8208/ -0.40 8209/ -0.36

P 8221/ -0.15 8222/ -0.21 8223/ -0.21 8228/ -0.21 8229/ -0.15

Married All

Refer To All Other Female Single All

Married All

28 - 29 Male Single O 8211/ -0.30 8212/ -0.36 8213/ -0.36 8218/ -0.36 8219/ -0.30

P 8231/ -0.12 8232/ -0.18 8233/ -0.18 8238/ -0.18 8239/ -0.12

Married All

Refer To All Other Female Single All

Married All


50 - 64 All All All 8011/ 0.00 8012/ 0.00 8013/ 0.00 8018/ 0.00 8019/ 0.00

65 - 69 All All All 8021/ 0.00 8022/ 0.00 8023/ 0.00 8028/ 0.00 8029/ 0.00

70 - 74 All All All 8031/ 0.00 8032/ 0.00 8033/ 0.00 8038/ 0.00 8039/ 0.00

75 & Over All All All 8041/ 0.00 8042/ 0.00 8043/ 0.00 8048/ 0.00 8049/ 0.00


Vermont Automobile

R-33

ANNUAL BASE RATES

AUTOSURANCE

Rating

000's Omitted

Comp

Collision

$200

UM/UIM

Bodily Property Combined Medical

Injury Damage Single Payments

Territory $100/$300 $100 Limit $300 $5 $50 Ded Ded $300K

31 210 106 368 57 91 262 67

32 210 109 374 48 129 297 67

33 231 120 408 57 103 305 67

34 231 120 408 57 117 285 67

35 231 135 432 57 95 250 67

36 246 121 421 57 103 259 67

37 223 116 395 57 145 324 67

ANNUAL BASE RATES

ASSURANCE

MASTER

ANNUAL BASE RATES

Rating

Territory

000's Omitted

Comp $50

Ded

Collision

$250 Ded

UM/UIM

$300K

Bodily

Injury

$100/$300

Property

Damage

$100

Combined

Single

Limit $300

Medical

Payments

$5

1 386 198 690 60 186 358 70

2 264 232 588 60 154 324 70

20 314 202 594 70 178 390 70

21 284 160 532 60 160 368 70

22 314 154 532 62 160 392 70

23 308 154 536 60 172 410 70

Rating

Territory

000's Omitted

Comp

$50 Ded

Collision

$200

Ded

UM/UIM

$300K

Bodily

Injury

$100/$300

Property

Damage

$100

Combined

Single

Limit $300

Medical

Payments

$5

1 284 144 506 48 136 264 70

2 196 168 436 48 114 238 70

20 230 152 438 52 130 284 70

21 202 122 390 48 118 270 70

22 230 112 390 48 118 286 70

23 228 112 394 48 126 302 70

Vermont Automobile

R-34

SUPER PREFERRED

ANNUAL BASE RATES

Rating

000's Omitted

Comp

Collision

$200

UM/UIM




31 250 124 426 62 82 232 72

32 248 126 430 52 120 264 72

33 274 144 488 62 96 270 72

34 274 144 480 62 106 252 72

35 264 150 496 62 90 222 72

36 290 140 488 62 96 230 72

37 264 134 464 62 132 288 72

SUPER PREFERRED SELECT

ANNUAL BASE RATES

Rating

Territory

31

000's Omitted

Comp $50

Ded

78

Collision

$250 Ded

224

UM/UIM

$300K

70



$100/$300 $100 Limit $300 $5

240 118 410 62

32 234 124 412 52 116 254 70

33 264 138 468 62 92 256 70

34 264 138 464 62 100 244 70

35 254 144 474 62 86 212 70

36 274 134 468 62 92 220 70

37 254 128 442 62 128 278 70

PREFERRED

ANNUAL BASE RATES

Rating

000's Omitted

Comp

Collision

$200

UM/UIM




31 302 144 512 70 98 276 92

32 298 146 520 60 142 312 92

33 330 170 574 70 114 318 92

34 330 170 572 70 128 300 92

35 316 176 588 70 108 262 92

36 342 168 574 78 114 272 92

37 316 154 552 70 158 342 92

Vermont Automobile

R-35

PREFERRED SELECT

ANNUAL BASE RATES

Rating

Territory

31

000's Omitted

Comp $50

Ded

92

Collision

$250 Ded

256

UM/UIM

$300K

82



$100/$300 $100 Limit $300 $5

284 136 484 62

32 280 138 486 56 132 294 82

33 308 154 538 62 106 300 82

34 308 154 536 62 120 282 82

35 298 170 552 62 98 246 82

36 318 152 538 70 106 254 82

37 298 146 520 62 152 318 82

STANDARD

ANNUAL BASE RATES

Rating

000's Omitted

Comp

Collision

$200

UM/UIM




31 374 180 640 86 124 344 112

32 366 182 644 78 178 392 112

33 410 204 718 86 142 398 112

34 410 204 716 86 158 374 112

35 392 218 734 86 134 330 112

36 424 202 718 96 142 340 112

37 392 196 686 86 196 426 112

STANDARD SELECT

ANNUAL BASE RATES

Rating

Territory

31

000's Omitted

Comp $50

Ded

120

Collision

$250 Ded

336

UM/UIM

$300K

110



$100/$300 $100 Limit $300 $5

360 174 620 86

32 354 176 628 78 172 382 110

33 400 200 698 86 138 388 110

34 400 200 690 86 156 362 110

35 386 214 716 86 130 318 110

36 416 196 698 96 138 332 110

37 386 188 670 86 190 416 110

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR/SYMBOL FACTORS

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR / SYMBOL FACTORS

MiddleOak Autosurance Program

Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COMPREHENSIVE 1

2

3

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

Vermont Automobile R-36

0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76

1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87

1.77 1.69 1.61 1.53 1.46 1.39 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96

1.95 1.86 1.77 1.69 1.61 1.53 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17

2.34 2.23 2.12 2.02 1.92 1.83 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29

2.51 2.39 2.28 2.17 2.07 1.97 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41

2.69 2.56 2.44 2.32 2.21 2.10 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53

2.84 2.70 2.57 2.45 2.33 2.22 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69

2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84

3.10 2.95 2.81 2.68 2.55 2.43 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00

3.26 3.10 2.95 2.81 2.68 2.55 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21

3.39 3.23 3.08 2.93 2.79 2.66 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40

3.55 3.38 3.22 3.07 2.92 2.78 2.65 3.78 3.60 3.43 3.27 3.11 2.96 2.82 2.69 2.56

3.72 3.54 3.37 3.21 3.06 2.91 2.77 4.01 3.82 3.64 3.47 3.30 3.14 2.99 2.85 2.71

3.84 3.66 3.49 3.32 3.16 3.01 2.87 4.32 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91

3.98 3.79 3.61 3.44 3.28 3.12 2.97 4.62 4.40 4.19 3.99 3.80 3.62 3.45 3.29 3.13

4.12 3.92 3.73 3.55 3.38 3.22 3.07 5.03 4.79 4.56 4.34 4.13 3.93 3.74 3.56 3.39

4.25 4.05 3.86 3.68 3.50 3.33 3.17 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93 3.74

4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.08 5.79 5.51 5.25 5.00 4.76 4.53 4.31 4.10

4.54 4.32 4.11 3.91 3.72 3.54 3.37 6.90 6.57 6.26 5.96 5.68 5.41 5.15 4.90 4.67

4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.09 7.70 7.33 6.98 6.65 6.33 6.03 5.74 5.47

4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.33 8.89 8.47 8.07 7.69 7.32 6.97 6.64 6.32

4.88 4.65 4.43 4.22 4.02 3.83 3.65 10.64 10.13 9.65 9.19 8.75 8.33 7.93 7.55 7.19

5.04 4.80 4.57 4.35 4.14 3.94 3.75 11.97 11.40 10.86 10.34 9.85 9.38 8.93 8.50 8.10

5.12 4.88 4.65 4.43 4.22 4.02 3.83 12.41 11.82 11.26 10.72 10.21 9.72 9.26 8.82 8.40

5.28 5.03 4.79 4.56 4.34 4.13 3.93 12.85 12.24 11.66 11.10 10.57 10.07 9.59 9.13 8.70

5.39 5.13 4.89 4.66 4.44 4.23 4.03 13.28 12.65 12.05 11.48 10.93 10.41 9.91 9.44 8.99

5.52 5.26 5.01 4.77 4.54 4.32 4.11 13.73 13.08 12.46 11.87 11.30 10.76 10.25 9.76 9.30

5.61 5.34 5.09 4.85 4.62 4.40 4.19 14.16 13.49 12.85 12.24 11.66 11.10 10.57 10.07 9.59

5.75 5.48 5.22 4.97 4.73 4.50 4.29 5.86 5.58 5.31 5.06 4.82 4.59 4.37

6.02 5.73 5.46 5.20 4.95 4.71 4.49

6.21 5.91 5.63 5.36 5.10 4.86 4.63

6.39 6.09 5.80 5.52 5.26 5.01 4.77

PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR/SYMBOL FACTORS

MIDDLESEX MUTUAL ASSURANCE COMPANY PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT

MODEL YEAR / SYMBOL FACTORS

MiddleOak Autosurance Program

Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COMPREHENSIVE

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98


6.55 6.24 5.94 5.66 5.39 5.13 4.89

6.74 6.42 6.11 5.82 5.54 5.28 5.03

6.90 6.57 6.26 5.96 5.68 5.41 5.15

7.09 6.75 6.43 6.12 5.83 5.55 5.29

7.25 6.90 6.57 6.26 5.96 5.68 5.41

7.44 7.09 6.75 6.43 6.12 5.83 5.55

7.59 7.23 6.89 6.56 6.25 5.95 5.67

7.79 7.42 7.07 6.73 6.41 6.10 5.81

8.00 7.62 7.26 6.91 6.58 6.27 5.97

8.20 7.81 7.44 7.09 6.75 6.43 6.12

8.41 8.01 7.63 7.27 6.92 6.59 6.28

8.60 8.19 7.80 7.43 7.08 6.74 6.42

8.82 8.40 8.00 7.62 7.26 6.91 6.58

9.03 8.60 8.19 7.80 7.43 7.08 6.74

9.22 8.78 8.36 7.96 7.58 7.22 6.88

9.53 9.08 8.65 8.24 7.85 7.48 7.12

9.94 9.47 9.02 8.59 8.18 7.79 7.42

10.38 9.89 9.42 8.97 8.54 8.13 7.74

10.79 10.28 9.79 9.32 8.88 8.46 8.06

11.48 10.93 10.41 9.91 9.44 8.99 8.56

12.35 11.76 11.20 10.67 10.16 9.68 9.22

13.27 12.64 12.04 11.47 10.92 10.40 9.90

14.19 13.51 12.87 12.26 11.68 11.12 10.59

15.15 14.43 13.74 13.09 12.47 11.88 11.31

16.14 15.37 14.64 13.94 13.28 12.65 12.05

17.15 16.33 15.55 14.81 14.10 13.43 12.79

18.11 17.25 16.43 15.65 14.90 14.19 13.51

19.58 18.65 17.76 16.91 16.10 15.33 14.60

21.55 20.52 19.54 18.61 17.72 16.88 16.08

23.52 22.40 21.33 20.31 19.34 18.42 17.54

25.45 24.24 23.09 21.99 20.94 19.94 18.99

27.42 26.11 24.87 23.69 22.56 21.49 20.47

29.41 28.01 26.68 25.41 24.20 23.05 21.95

31.40 29.90 28.48 27.12 25.83 24.60 23.43

33.38 31.79 30.28 28.84 27.47 26.16 24.91

35.37 33.69 32.09 30.56 29.10 27.71 26.39

37.34 35.56 33.87 32.26 30.72 29.26 27.87

27.42 26.11 24.87 23.69 22.56 21.49 20.47


PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT MODEL YEAR/SYMBOL FACTORS

Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COLLISION

1

2

3

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03

2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16

2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22

2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28

2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35

2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41

2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48

2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56

2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62

3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71

3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84

3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94

3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.12 2.02

3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10

3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.22 3.07 2.92 2.78 2.65 2.52 2.40 2.29 2.18

3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.36 3.20 3.05 2.90 2.76 2.63 2.50 2.38 2.27

3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.49 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36

3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.66 3.49 3.32 3.16 3.01 2.87 2.73 2.60 2.48

3.74 3.56 3.39 3.23 3.08 2.93 2.79 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59

3.80 3.62 3.45 3.29 3.13 2.98 2.84 3.99 3.80 3.62 3.45 3.29 3.13 2.98 2.84 2.70

3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.21 4.01 3.82 3.64 3.47 3.30 3.14 2.99 2.85

3.94 3.75 3.57 3.40 3.24 3.09 2.94 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00

3.99 3.80 3.62 3.45 3.29 3.13 2.98 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15

4.10 3.90 3.71 3.53 3.36 3.20 3.05 4.87 4.64 4.42 4.21 4.01 3.82 3.64 3.47 3.30

4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.09 4.85 4.62 4.40 4.19 3.99 3.80 3.62 3.45

4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.31 5.06 4.82 4.59 4.37 4.16 3.96 3.77 3.59

4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.53 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73

4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.75 5.48 5.22 4.97 4.73 4.50 4.29 4.09 3.90

4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.97 5.69 5.42 5.16 4.91 4.68 4.46 4.25 4.05

4.47 4.26 4.06 3.87 3.69 3.51 3.34

4.55 4.33 4.12 3.92 3.73 3.55 3.38

4.61 4.39 4.18 3.98 3.79 3.61 3.44

4.69 4.47 4.26 4.06 3.87 3.69 3.51

4.80 4.57 4.35 4.14 3.94 3.75 3.57



Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COLLISION

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98

4.84 4.61 4.39 4.18 3.98 3.79 3.61

4.91 4.68 4.46 4.25 4.05 3.86 3.68

5.01 4.77 4.54 4.32 4.11 3.91 3.72

5.07 4.83 4.60 4.38 4.17 3.97 3.78

5.11 4.87 4.64 4.42 4.21 4.01 3.82

5.16 4.91 4.68 4.46 4.25 4.05 3.86

5.26 5.01 4.77 4.54 4.32 4.11 3.91

5.32 5.07 4.83 4.60 4.38 4.17 3.97

5.39 5.13 4.89 4.66 4.44 4.23 4.03

5.45 5.19 4.94 4.70 4.48 4.27 4.07

5.55 5.29 5.04 4.80 4.57 4.35 4.14

5.63 5.36 5.10 4.86 4.63 4.41 4.20

5.70 5.43 5.17 4.92 4.69 4.47 4.26

5.79 5.51 5.25 5.00 4.76 4.53 4.31

5.86 5.58 5.31 5.06 4.82 4.59 4.37

5.96 5.68 5.41 5.15 4.90 4.67 4.45

6.11 5.82 5.54 5.28 5.03 4.79 4.56

6.27 5.97 5.69 5.42 5.16 4.91 4.68

6.45 6.14 5.85 5.57 5.30 5.05 4.81

6.73 6.41 6.10 5.81 5.53 5.27 5.02

7.07 6.73 6.41 6.10 5.81 5.53 5.27

7.40 7.05 6.71 6.39 6.09 5.80 5.52

7.83 7.46 7.10 6.76 6.44 6.13 5.84

8.34 7.94 7.56 7.20 6.86 6.53 6.22

8.81 8.39 7.99 7.61 7.25 6.90 6.57

9.31 8.87 8.45 8.05 7.67 7.30 6.95

9.79 9.32 8.88 8.46 8.06 7.68 7.31

10.51 10.01 9.53 9.08 8.65 8.24 7.85

11.51 10.96 10.44 9.94 9.47 9.02 8.59

12.50 11.90 11.33 10.79 10.28 9.79 9.32

13.47 12.83 12.22 11.64 11.09 10.56 10.06

14.43 13.74 13.09 12.47 11.88 11.31 10.77

15.42 14.69 13.99 13.32 12.69 12.09 11.51

16.41 15.63 14.89 14.18 13.50 12.86 12.25

17.41 16.58 15.79 15.04 14.32 13.64 12.99

18.42 17.54 16.70 15.90 15.14 14.42 13.73

19.39 18.47 17.59 16.75 15.95 15.19 14.47

14.43 13.74 13.09 12.47 11.88 11.31 10.77



Assurance, Master Model Year

1990 to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COMPREHENSIVE 1

2

3

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76

1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87

1.77 1.69 1.61 1.53 1.46 1.39 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96

1.95 1.86 1.77 1.69 1.61 1.53 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17

2.34 2.23 2.12 2.02 1.92 1.83 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29

2.51 2.39 2.28 2.17 2.07 1.97 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41

2.69 2.56 2.44 2.32 2.21 2.10 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53

2.84 2.70 2.57 2.45 2.33 2.22 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69

2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84

3.10 2.95 2.81 2.68 2.55 2.43 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00

3.26 3.10 2.95 2.81 2.68 2.55 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21

3.39 3.23 3.08 2.93 2.79 2.66 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40

3.55 3.38 3.22 3.07 2.92 2.78 2.65 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59

3.72 3.54 3.37 3.21 3.06 2.91 2.77 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91 2.77

3.84 3.66 3.49 3.32 3.16 3.01 2.87 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00

3.98 3.79 3.61 3.44 3.28 3.12 2.97 4.82 4.59 4.37 4.16 3.96 3.77 3.59 3.42 3.26

4.12 3.92 3.73 3.55 3.38 3.22 3.07 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73 3.55

4.25 4.05 3.86 3.68 3.50 3.33 3.17 5.82 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93

4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.39 6.09 5.80 5.52 5.26 5.01 4.77 4.54 4.33

4.54 4.32 4.11 3.91 3.72 3.54 3.37 7.30 6.95 6.62 6.30 6.00 5.71 5.44 5.18 4.94

4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.52 8.11 7.72 7.35 7.00 6.67 6.35 6.05 5.77

4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

4.88 4.65 4.43 4.22 4.02 3.83 3.65 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.04 4.80 4.57 4.35 4.14 3.94 3.75 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.12 4.88 4.65 4.43 4.22 4.02 3.83 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.28 5.03 4.79 4.56 4.34 4.13 3.93 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.39 5.13 4.89 4.66 4.44 4.23 4.03 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.52 5.26 5.01 4.77 4.54 4.32 4.11 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.61 5.34 5.09 4.85 4.62 4.40 4.19 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.75 5.48 5.22 4.97 4.73 4.50 4.29 5.86 5.58 5.31 5.06 4.82 4.59 4.37

6.02 5.73 5.46 5.20 4.95 4.71 4.49

6.21 5.91 5.63 5.36 5.10 4.86 4.63 6.39 6.09 5.80 5.52 5.26 5.01 4.77


Assurance, Master Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

COMPREHENSIVE

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98


6.55 6.24 5.94 5.66 5.39 5.13 4.89

6.74 6.42 6.11 5.82 5.54 5.28 5.03

6.90 6.57 6.26 5.96 5.68 5.41 5.15

7.09 6.75 6.43 6.12 5.83 5.55 5.29

7.25 6.90 6.57 6.26 5.96 5.68 5.41

7.44 7.09 6.75 6.43 6.12 5.83 5.55

7.59 7.23 6.89 6.56 6.25 5.95 5.67

7.79 7.42 7.07 6.73 6.41 6.10 5.81

8.00 7.62 7.26 6.91 6.58 6.27 5.97

8.20 7.81 7.44 7.09 6.75 6.43 6.12

8.41 8.01 7.63 7.27 6.92 6.59 6.28

8.60 8.19 7.80 7.43 7.08 6.74 6.42

8.82 8.40 8.00 7.62 7.26 6.91 6.58

9.03 8.60 8.19 7.80 7.43 7.08 6.74

9.22 8.78 8.36 7.96 7.58 7.22 6.88

9.53 9.08 8.65 8.24 7.85 7.48 7.12

9.94 9.47 9.02 8.59 8.18 7.79 7.42

10.38 9.89 9.42 8.97 8.54 8.13 7.74

10.79 10.28 9.79 9.32 8.88 8.46 8.06

11.48 10.93 10.41 9.91 9.44 8.99 8.56

12.35 11.76 11.20 10.67 10.16 9.68 9.22

13.27 12.64 12.04 11.47 10.92 10.40 9.90 14.19 13.51 12.87 12.26 11.68 11.12 10.59

15.15 14.43 13.74 13.09 12.47 11.88 11.31

16.14 15.37 14.64 13.94 13.28 12.65 12.05

17.15 16.33 15.55 14.81 14.10 13.43 12.79

18.11 17.25 16.43 15.65 14.90 14.19 13.51

19.58 18.65 17.76 16.91 16.10 15.33 14.60

21.55 20.52 19.54 18.61 17.72 16.88 16.08

23.52 22.40 21.33 20.31 19.34 18.42 17.54

25.45 24.24 23.09 21.99 20.94 19.94 18.99

27.42 26.11 24.87 23.69 22.56 21.49 20.47

29.41 28.01 26.68 25.41 24.20 23.05 21.95

31.40 29.90 28.48 27.12 25.83 24.60 23.43

33.38 31.79 30.28 28.84 27.47 26.16 24.91

35.37 33.69 32.09 30.56 29.10 27.71 26.39

37.34 35.56 33.87 32.26 30.72 29.26 27.87

27.42 26.11 24.87 23.69 22.56 21.49 20.47



Assurance, Master

Model Year

1990 to

2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Collision 1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03

2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16

2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22

2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28

2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35

2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41

2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48

2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56

2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62

3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71

3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.25 2.13 2.03 1.93 1.84

3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94

3.27 3.11 2.96 2.82 2.69 2.56 2.44 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04

3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14

3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25

3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 2.35

3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47

3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.86 3.68 3.50 3.33 3.17 3.02 2.88 2.74 2.61

3.74 3.56 3.39 3.23 3.08 2.93 2.79 4.06 3.87 3.69 3.51 3.34 3.18 3.03 2.89 2.75

3.80 3.62 3.45 3.29 3.13 2.98 2.84 4.39 4.18 3.98 3.79 3.61 3.44 3.28 3.12 2.98

3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.88 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31

3.94 3.75 3.57 3.40 3.24 3.09 2.94 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

3.99 3.80 3.62 3.45 3.29 3.13 2.98 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.10 3.90 3.71 3.53 3.36 3.20 3.05 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

4.47 4.26 4.06 3.87 3.69 3.51 3.34

4.55 4.33 4.12 3.92 3.73 3.55 3.38

4.61 4.39 4.18 3.98 3.79 3.61 3.44

4.69 4.47 4.26 4.06 3.87 3.69 3.51

4.80 4.57 4.35 4.14 3.94 3.75 3.57

Symbol

1

2017 2016 2015 2014 2013 2012

2 3 4 5 6 7 8

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38



Assurance, Master

Model Year

1990 to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Collision

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98

4.84 4.61 4.39 4.18 3.98 3.79 3.61

4.91 4.68 4.46 4.25 4.05 3.86 3.68

5.01 4.77 4.54 4.32 4.11 3.91 3.72

5.07 4.83 4.60 4.38 4.17 3.97 3.78

5.11 4.87 4.64 4.42 4.21 4.01 3.82

5.16 4.91 4.68 4.46 4.25 4.05 3.86

5.26 5.01 4.77 4.54 4.32 4.11 3.91

5.32 5.07 4.83 4.60 4.38 4.17 3.97

5.39 5.13 4.89 4.66 4.44 4.23 4.03

5.45 5.19 4.94 4.70 4.48 4.27 4.07

5.55 5.29 5.04 4.80 4.57 4.35 4.14

5.63 5.36 5.10 4.86 4.63 4.41 4.20

5.70 5.43 5.17 4.92 4.69 4.47 4.26

5.79 5.51 5.25 5.00 4.76 4.53 4.31

5.86 5.58 5.31 5.06 4.82 4.59 4.37

5.96 5.68 5.41 5.15 4.90 4.67 4.45

6.11 5.82 5.54 5.28 5.03 4.79 4.56

6.27 5.97 5.69 5.42 5.16 4.91 4.68

6.45 6.14 5.85 5.57 5.30 5.05 4.81

6.73 6.41 6.10 5.81 5.53 5.27 5.02

7.07 6.73 6.41 6.10 5.81 5.53 5.27

7.40 7.05 6.71 6.39 6.09 5.80 5.52

7.83 7.46 7.10 6.76 6.44 6.13 5.84

8.34 7.94 7.56 7.20 6.86 6.53 6.22

8.81 8.39 7.99 7.61 7.25 6.90 6.57

9.31 8.87 8.45 8.05 7.67 7.30 6.95

9.79 9.32 8.88 8.46 8.06 7.68 7.31

10.51 10.01 9.53 9.08 8.65 8.24 7.85

11.51 10.96 10.44 9.94 9.47 9.02 8.59

12.50 11.90 11.33 10.79 10.28 9.79 9.32

13.47 12.83 12.22 11.64 11.09 10.56 10.06

14.43 13.74 13.09 12.47 11.88 11.31 10.77

15.42 14.69 13.99 13.32 12.69 12.09 11.51

16.41 15.63 14.89 14.18 13.50 12.86 12.25

17.41 16.58 15.79 15.04 14.32 13.64 12.99 18.42 17.54 16.70 15.90 15.14 14.42 13.73

19.39 18.47 17.59 16.75 15.95 15.19 14.47

14.43 13.74 13.09 12.47 11.88 11.31 10.77



Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Comprehensive

1

2

3

4

5

6

7

8

10

11

12

13

14

15

16

17

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

0.83 0.79 0.75 0.71 0.68 0.65 0.62 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.02 0.97 0.92 0.88 0.84 0.80 0.76 0.92 0.88 0.84 0.80 0.76 0.72 0.69 0.66 0.63

1.26 1.20 1.14 1.09 1.04 0.99 0.94 1.12 1.07 1.02 0.97 0.92 0.88 0.84 0.80 0.76

1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.29 1.23 1.17 1.11 1.06 1.01 0.96 0.91 0.87 1.77 1.69 1.61 1.53 1.46 1.39 1.32 1.42 1.35 1.29 1.23 1.17 1.11 1.06 1.01 0.96

1.95 1.86 1.77 1.69 1.61 1.53 1.46 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.72 1.64 1.56 1.49 1.42 1.35 1.29 1.23 1.17

2.34 2.23 2.12 2.02 1.92 1.83 1.74 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35 1.29

2.51 2.39 2.28 2.17 2.07 1.97 1.88 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41

2.69 2.56 2.44 2.32 2.21 2.10 2.00 2.26 2.15 2.05 1.95 1.86 1.77 1.69 1.61 1.53

2.84 2.70 2.57 2.45 2.33 2.22 2.11 2.49 2.37 2.26 2.15 2.05 1.95 1.86 1.77 1.69

2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84

3.10 2.95 2.81 2.68 2.55 2.43 2.31 2.96 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.00

3.26 3.10 2.95 2.81 2.68 2.55 2.43 3.27 3.11 2.96 2.82 2.69 2.56 2.44 2.32 2.21

3.39 3.23 3.08 2.93 2.79 2.66 2.53 3.55 3.38 3.22 3.07 2.92 2.78 2.65 2.52 2.40

3.55 3.38 3.22 3.07 2.92 2.78 2.65 3.83 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59

3.72 3.54 3.37 3.21 3.06 2.91 2.77 4.11 3.91 3.72 3.54 3.37 3.21 3.06 2.91 2.77

3.84 3.66 3.49 3.32 3.16 3.01 2.87 4.43 4.22 4.02 3.83 3.65 3.48 3.31 3.15 3.00

3.98 3.79 3.61 3.44 3.28 3.12 2.97 4.82 4.59 4.37 4.16 3.96 3.77 3.59 3.42 3.26

4.12 3.92 3.73 3.55 3.38 3.22 3.07 5.27 5.02 4.78 4.55 4.33 4.12 3.92 3.73 3.55

4.25 4.05 3.86 3.68 3.50 3.33 3.17 5.82 5.54 5.28 5.03 4.79 4.56 4.34 4.13 3.93

4.38 4.17 3.97 3.78 3.60 3.43 3.27 6.39 6.09 5.80 5.52 5.26 5.01 4.77 4.54 4.33

4.54 4.32 4.11 3.91 3.72 3.54 3.37 7.30 6.95 6.62 6.30 6.00 5.71 5.44 5.18 4.94

4.64 4.42 4.21 4.01 3.82 3.64 3.47 8.52 8.11 7.72 7.35 7.00 6.67 6.35 6.05 5.77

4.78 4.55 4.33 4.12 3.92 3.73 3.55 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

4.88 4.65 4.43 4.22 4.02 3.83 3.65 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.04 4.80 4.57 4.35 4.14 3.94 3.75 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.12 4.88 4.65 4.43 4.22 4.02 3.83 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.28 5.03 4.79 4.56 4.34 4.13 3.93 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.39 5.13 4.89 4.66 4.44 4.23 4.03 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.52 5.26 5.01 4.77 4.54 4.32 4.11 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.61 5.34 5.09 4.85 4.62 4.40 4.19 9.86 9.39 8.94 8.51 8.10 7.71 7.34 6.99 6.66

5.75 5.48 5.22 4.97 4.73 4.50 4.29

5.86 5.58 5.31 5.06 4.82 4.59 4.37

6.02 5.73 5.46 5.20 4.95 4.71 4.49

6.21 5.91 5.63 5.36 5.10 4.86 4.63

6.39 6.09 5.80 5.52 5.26 5.01 4.77




Model Year

1990

to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Comprehensive

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98

6.55 6.24 5.94 5.66 5.39 5.13 4.89

6.74 6.42 6.11 5.82 5.54 5.28 5.03

6.90 6.57 6.26 5.96 5.68 5.41 5.15 7.09 6.75 6.43 6.12 5.83 5.55 5.29

7.25 6.90 6.57 6.26 5.96 5.68 5.41

7.44 7.09 6.75 6.43 6.12 5.83 5.55

7.59 7.23 6.89 6.56 6.25 5.95 5.67

7.79 7.42 7.07 6.73 6.41 6.10 5.81

8.00 7.62 7.26 6.91 6.58 6.27 5.97

8.20 7.81 7.44 7.09 6.75 6.43 6.12

8.41 8.01 7.63 7.27 6.92 6.59 6.28

8.60 8.19 7.80 7.43 7.08 6.74 6.42

8.82 8.40 8.00 7.62 7.26 6.91 6.58

9.03 8.60 8.19 7.80 7.43 7.08 6.74

9.22 8.78 8.36 7.96 7.58 7.22 6.88

9.53 9.08 8.65 8.24 7.85 7.48 7.12

9.94 9.47 9.02 8.59 8.18 7.79 7.42

10.38 9.89 9.42 8.97 8.54 8.13 7.74

10.79 10.28 9.79 9.32 8.88 8.46 8.06

11.48 10.93 10.41 9.91 9.44 8.99 8.56

12.35 11.76 11.20 10.67 10.16 9.68 9.22

13.27 12.64 12.04 11.47 10.92 10.40 9.90

14.19 13.51 12.87 12.26 11.68 11.12 10.59

15.15 14.43 13.74 13.09 12.47 11.88 11.31

16.14 15.37 14.64 13.94 13.28 12.65 12.05

17.15 16.33 15.55 14.81 14.10 13.43 12.79

18.11 17.25 16.43 15.65 14.90 14.19 13.51

19.58 18.56 17.76 16.91 16.10 15.33 14.60

21.55 20.52 19.54 18.61 17.72 16.88 16.08

23.52 22.40 21.33 20.31 19.34 18.42 17.54

25.45 24.24 23.09 21.99 20.94 19.94 18.99

27.42 26.11 24.87 23.69 22.56 21.49 20.47

29.41 28.01 26.68 25.41 24.20 23.05 21.95

31.40 29.90 28.48 27.12 25.83 24.60 23.43

33.38 31.79 30.28 28.84 27.47 26.16 24.91

35.37 33.69 32.09 30.56 29.10 27.71 26.39

37.34 35.56 33.87 32.26 30.72 29.26 27.87

27.42 26.11 24.87 23.69 22.56 21.49 20.47

MODEL YEAR/SYMBOL FACTORS Super Preferred, Super Preferred Select, Preferred, Preferred Select, Standard, Standard Select

Model Year

1990 to

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002

Collision 1 1.24 1.18 1.12 1.07 1.02 0.97 0.92 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

2 1.55 1.48 1.41 1.34 1.28 1.22 1.16 1.41 1.34 1.28 1.22 1.16 1.10 1.05 1.00 0.95

3 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08 1.03

4 2.17 2.07 1.97 1.88 1.79 1.70 1.62 1.60 1.52 1.45 1.38 1.31 1.25 1.19 1.13 1.08

5 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22 1.16

6 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28 1.22

7 2.48 2.36 2.25 2.14 2.04 1.94 1.85 1.89 1.80 1.71 1.63 1.55 1.48 1.41 1.34 1.28

8 2.59 2.47 2.35 2.24 2.13 2.03 1.93 2.00 1.90 1.81 1.72 1.64 1.56 1.49 1.42 1.35

10 2.71 2.58 2.46 2.34 2.23 2.12 2.02 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48 1.41 11 2.82 2.69 2.56 2.44 2.32 2.21 2.10 2.18 2.08 1.98 1.89 1.80 1.71 1.63 1.55 1.48

12 2.90 2.76 2.63 2.50 2.38 2.27 2.16 2.32 2.21 2.10 2.00 1.90 1.81 1.72 1.64 1.56

13 2.99 2.85 2.71 2.58 2.46 2.34 2.23 2.39 2.28 2.17 2.07 1.97 1.88 1.79 1.70 1.62

14 3.05 2.90 2.76 2.63 2.50 2.38 2.27 2.52 2.40 2.29 2.18 2.08 1.98 1.89 1.80 1.71

15 3.13 2.98 2.84 2.70 2.57 2.45 2.33 2.72 2.59 2.47 2.35 2.24 2.13 2.03 1.93 1.84

16 3.17 3.02 2.88 2.74 2.61 2.49 2.37 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04 1.94

17 3.27 3.11 2.96 2.82 2.69 2.56 2.44 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14 2.04

18 3.36 3.20 3.05 2.90 2.76 2.63 2.50 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25 2.14

19 3.43 3.27 3.11 2.96 2.82 2.69 2.56 3.32 3.16 3.01 2.87 2.73 2.60 2.48 2.36 2.25

20 3.49 3.32 3.16 3.01 2.87 2.73 2.60 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47 2.35

21 3.57 3.40 3.24 3.09 2.94 2.80 2.67 3.65 3.48 3.31 3.15 3.00 2.86 2.72 2.59 2.47

22 3.66 3.49 3.32 3.16 3.01 2.87 2.73 3.86 3.68 3.50 3.33 3.17 3.02 2.88 2.74 2.61

23 3.74 3.56 3.39 3.23 3.08 2.93 2.79 4.06 3.87 3.69 3.51 3.34 3.18 3.03 2.89 2.75

24 3.80 3.62 3.45 3.29 3.13 2.98 2.84 4.39 4.18 3.98 3.79 3.61 3.44 3.28 3.12 2.98

25 3.90 3.71 3.53 3.36 3.20 3.05 2.90 4.88 4.65 4.43 4.22 4.02 3.83 3.65 3.48 3.31 26 3.94 3.75 3.57 3.40 3.24 3.09 2.94 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

27 3.99 3.80 3.62 3.45 3.29 3.13 2.98 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

28 4.10 3.90 3.71 3.53 3.36 3.20 3.05 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

29 4.14 3.94 3.75 3.57 3.40 3.24 3.09 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

30 4.22 4.02 3.83 3.65 3.48 3.31 3.15 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

31 4.28 4.08 3.89 3.70 3.52 3.35 3.19 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

32 4.34 4.13 3.93 3.74 3.56 3.39 3.23 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

33 4.42 4.21 4.01 3.82 3.64 3.47 3.30 5.38 5.12 4.88 4.65 4.43 4.22 4.02 3.83 3.65

34 4.47 4.26 4.06 3.87 3.69 3.51 3.34

35 4.55 4.33 4.12 3.92 3.73 3.55 3.38 36 4.61 4.39 4.18 3.98 3.79 3.61 3.44 37 4.69 4.47 4.26 4.06 3.87 3.69 3.51 38 4.80 4.57 4.35 4.14 3.94 3.75 3.57


PERSONAL AUTOMOBILE PROGRAM MANUAL – VERMONT YEAR/SYMBOL FACTORS


Model Year

Symbol 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004

Collision 39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

71

72

73

74

75

98


4.84 4.61 4.39 4.18 3.98 3.79 3.61

4.91 4.68 4.46 4.25 4.05 3.86 3.68

5.01 4.77 4.54 4.32 4.11 3.91 3.72

5.07 4.83 4.60 4.38 4.17 3.97 3.78

5.11 4.87 4.64 4.42 4.21 4.01 3.82

5.16 4.91 4.68 4.46 4.25 4.05 3.86

5.26 5.01 4.77 4.54 4.32 4.11 3.91

5.32 5.07 4.83 4.60 4.38 4.17 3.97

5.39 5.13 4.89 4.66 4.44 4.23 4.03

5.45 5.19 4.94 4.70 4.48 4.27 4.07

5.55 5.29 5.04 4.80 4.57 4.35 4.14

5.63 5.36 5.10 4.86 4.63 4.41 4.20

5.70 5.43 5.17 4.92 4.69 4.47 4.26

5.79 5.51 5.25 5.00 4.76 4.53 4.31

5.86 5.58 5.31 5.06 4.82 4.59 4.37

5.96 5.68 5.41 5.15 4.90 4.67 4.45

6.11 5.82 5.54 5.28 5.03 4.79 4.56

6.27 5.97 5.69 5.42 5.16 4.91 4.68

6.45 6.14 5.85 5.57 5.30 5.05 4.81

6.73 6.41 6.10 5.81 5.53 5.27 5.02

7.07 6.73 6.41 6.10 5.81 5.53 5.27

7.40 7.05 6.71 6.39 6.09 5.80 5.52

7.83 7.46 7.10 6.76 6.44 6.13 5.84

8.34 7.94 7.56 7.20 6.86 6.53 6.22

8.81 8.39 7.99 7.61 7.25 6.90 6.57

9.31 8.87 8.45 8.05 7.67 7.30 6.95

9.79 9.32 8.88 8.46 8.06 7.68 7.31

10.51 10.01 9.53 9.08 8.65 8.24 7.85

11.51 10.96 10.44 9.94 9.47 9.02 8.59

12.50 11.90 11.33 10.79 10.28 9.79 9.32

13.47 12.83 12.22 11.64 11.09 10.56 10.06

14.43 13.74 13.09 12.47 11.88 11.31 10.77

15.42 14.69 13.99 13.32 12.69 12.09 11.51

16.41 15.63 14.89 14.18 13.50 12.86 12.25

17.41 16.58 15.79 15.04 14.32 13.64 12.99

18.42 17.54 16.70 15.90 15.14 14.42 13.73

19.39 18.47 17.59 16.75 15.95 15.19 14.47

14.43 13.74 13.09 12.47 11.88 11.31 10.77

MISCELLANEOUS RATING FACTOR CHARTS CHART 1

Careful Driver Credit – Commerce Autosurance Program

# Drivers on Policy

# Incidents / # Years 1 2 3 4

0 in 5 years -0.17 -0.19 -0.20 -0.22

0 in 4 years -0.13 -0.15 -0.17 -0.19

0 in 3 years -0.11 -0.13 -0.15 -0.17

1 in 3 years -0.08 -0.11 -0.13 -0.15

2 in 3 years -0.04 -0.08 -0.11 -0.13

3 in 3 years 0 -0.04 -0.08 -0.11

4 in 3 years 0 0 -0.04 -0.08

5 in 3 years 0 0 0 -0.04

6 in 3 years 0 0 0 0

7+ in 3 years 0 0 0 0

Careful Driver Credit - Super Preferred/Super Preferred Select Programs

# Incidents / # Years # Drivers on Policy

1 2 3 4

0 in 5 years -0.08 -0.09 -0.10 -0.11

0 in 4 years -0.06 -0.07 -0.08 -0.09

0 in 3 years -0.05 -0.06 -0.07 -0.08

1 in 3 years 0.00 -0.01 -0.02 -0.03

2 in 3 years 0.00 0.00 -0.01 -0.02

3 in 3 years 0.00 0.00 0.00 -0.01

4 in 3 years 0.00 0.00 0.00 0.00

5 in 3 years 0.00 0.00 0.00 0.00

6 in 3 years 0.00 0.00 0.00 0.00

7 in 3 years 0.00 0.00 0.00 0.00

Careful Driver Credit - Preferred/Preferred Select, Standard/ Standard Select Programs

# Incidents / # Years # Drivers on Policy

1 2 3 4

0 in 5 years -0.17 -0.19 -0.20 -0.22

0 in 4 years -0.13 -0.15 -0.17 -0.19

0 in 3 years -0.11 -0.13 -0.15 -0.17

1 in 3 years -0.04 -0.07 -0.09 -0.11

2 in 3 years 0.00 -0.04 -0.07 -0.09

3 in 3 years 0.00 0.00 -0.04 -0.07

4 in 3 years 0.00 0.00 0.00 -0.04

5 in 3 years 0.00 0.00 0.00 0.00

6 in 3 years 0.00 0.00 0.00 0.00

7 in 3 years 0.00 0.00 0.00 0.00

The class code rating factor for each [rated] driver will be adjusted by the appropriate amount as shown in the above charts

based on the number of incidents per household and the number of drivers in the household who have been licensed at least

3 years (Refer to page 8 for example).

Vermont Automobile

R-48

Financial Responsibility - Super Preferred/Super Preferred Select, Preferred/Preferred Select;

Standard/Standard Select, Commerce Autosurance Programs

Insurance Credit

Score Range

Super, Pref,

Std.

Autosurance

No Hit 1.00 1.00

Under 299 1.97 2.10

300 TO 360 1.84 1.97

361 TO 400 1.70 1.82

401 TO 440 1.64 1.76

441 TO 480 1.59 1.69

481 TO 520 1.55 1.66

521 TO 560 1.47 1.57

561 TO 590 1.39 1.49

591 TO 620 1.23 1.27

621 TO 650 1.10 1.13

651 TO 680 1.08 1.11

681 TO 705 1.07 1.09

706 TO 730 1.00 0.98

731 TO 770 0.95 0.93

771 TO 810 0.92 0.90

811 TO 850 0.89 0.87

851 TO 890 0.87 0.84

Over 890 0.83 0.82

The premium for each [rated] driver will be adjusted by the appropriate factor as shown in the above chart based on the

range of credit score. When there is more than one driver on the policy, the credit report should only be run on one of them.

Household Composition – Super Preferred/Super Preferred Select, Preferred/Preferred Select, Standard/Standard Select,

Commerce Autosurance

Driver vs. Vehicles

All Other Programs CA Program

Youthful Driver on Policy

Yes No Yes No

More Drivers Than Vehicles 1.20 1.05 1.15 1.05

Same Number 1.15 1.00 1.10 1.00

More Vehicles Than Drivers 1.10 0.95 1.05 0.95

The premium for each rated driver will be adjusted by the appropriate factor as shown in the chart above based on the combination

of drivers and the number of vehicles on the policy.

Vermont Automobile

R-49

Chart #3

Chart #2

Vermont Automobile

R-50

Extended Non-Owned – Annual Rates

(000's)

Bodily

Injury

Limit

Bodily

Injury

Rate

Property

Damage

Limit

Property

Damage

Rate

(000's)

Combined

Single

Limit

Combined

Single Limit

Rate

(000's)

Medical

Payments

Limit

Medical

Payments

Rate

25/50 $12.00 All $4.00 60 $16.00 1 $16.00

50/100 $14.00 100 $18.00 2 $20.00

100/300 $16.00 300 $20.00 5 $24.00

250/500 $18.00 500 $22.00 10 $34.00

300/300 $16.00 20 $48.00

500/500 $18.00

These charges apply to each non-owned vehicle covered by this endorsement. The above rates are annualized. To obtain semi-

annual rates, divide the above by 2.

Audio / Visual, Electronic Data & Excess Sound Equipment

CAP

These charges apply based on the coverage selected. For Semi-Annual premiums, divide the above by 2

Refer to pg. 11 and 15 for definition and rules

Chart #5

Chart #4

Assurance & Master

A/V

Annual

XS Sound

A/V Annual XS Sound

Premium Annual Premium Limit Premium Annual Premium

$20 N/A Up to $1500 $40 $40

$40 N/A $1,501 to $2,000 $68 $68

$68 N/A $2,001 to $2,500 $80 $80

$122 $122 $2,501 to $10,000 $150 $150

$190 $190

Vermont Automobile

R-51

Utility Trailers – Rate per $100 of coverage

Comprehensive

Deductible

12 – Month

Policy Collision

Deductible

12 – Month

Policy

$0 (Full) $0.84 $100 $0.70

$50 $0.60 $200 $0.60

$100 $0.50 $500 $0.46

$200 $0.46 $1,000 $0.34

$500 $0.38

$1,000 $0.30

Rates in above chart are per $100 of coverage. Refer to pg. 17 for trailer definitions and rules.

UM Limit Factors

00’s)

Refer to pg. 17 for definitions and rules.

BI/PD/CSL Increased / Decreased Limit Factors

Apply the appropriate factor from the chart above to the BI or PD base rate found in Territory Base

Rate pages. Bodily Injury Property Damage Combined Single Limit

(000’s) Factor

Limit

Factor

Limit

Factor Limit

25/50 0.72 $25,000 0.92 $60,000 0.85

50/100 0.86 $50,000 0.96 $100,000 0.89

100/300 1.00 $100,000 1.00 $300,000 1.00

250/500 1.10 $250,000 1.08 $500,000 1.06

300/300 1.06 500/500 1.17

Chart #8

Chart #7

Chart #6

Combined Rate Factor (000’s) Rate (00 0’s) (0 Single Limit AS, MA All Other Split Limit Fa ctor PD L imit Premium

$100,000 0.61 0.48 50/100 0. 54 10, 000 $8 .00

$300,000 1.00 1.00 100/300 0. 82

$500,000 1.21 1.21 250/500 1. 11

300/300 1. 00

500/500 1. 25

Vermont Automobile

R-52

Commerce Autosurance Program Tier relativities – apply to base coverages except UM/UIM

Tier Factor

26 1.070

27 1.086

28 1.101

29 1.116

30 1.132

31 1.147

32 1.162

33 1.178

34 1.193

35 1.208

36 1.224

37 1.239

38 1.254

39 1.270

40 1.285

41 1.300

42 1.316

43 1.331

44 1.346

45 1.362

46 1.377

47 1.392

48 1.408

49 1.423

50 1.438

Tier Factor

1 0.687

2 0.703

3 0.718

4 0.733

5 0.749

6 0.764

7 0.779

8 0.795

9 0.810

10 0.825

11 0.841

12 0.856

13 0.871

14 0.887

15 0.902

16 0.917

17 0.933

18 0.948

19 0.963

20 0.979

21 0.994

22 1.009

23 1.025

24 1.040

25 1.055

Chart #9

Vermont Automobile

R-53

Commerce Autosurance Program Liability Symbol Relativities

Miscellaneous vehicles, vehicles with model years prior to 1998, and vehicles that do not get assigned a Liability symbol will have a

rating factor 1.00 assigned

ORB/Med

Symbol

ORB/Med

Relativity

450 0.80

455 0.80

460 0.80

465 0.80

470 0.80

475 0.80

480 0.80

485 0.85

490 0.90

495 0.95

500 1.00

505 1.05

510 1.10

515 1.15

520 1.20

525 1.25

530 1.25

535 1.25

540 1.25

545 1.25

550 1.25

555 1.25

560 1.25

565 1.25

570 1.25

575 1.25

580 1.25

585 1.25

590 1.25

BI Symbol BI Relativity

250 0.80

255 0.80

260 0.80

265 0.80

270 0.80

275 0.80

280 0.80

285 0.85

290 0.90

295 0.95

300 1.00

305 1.05

310 1.10

315 1.15

320 1.20

325 1.25

330 1.25

335 1.25

340 1.25

345 1.25

350 1.25

355 1.25

360 1.25

365 1.25

370 1.25

375 1.25

380 1.25

385 1.25

390 1.25

Chart #10

Vermont Automobile

Appendix A - 1

Notification for the Fair Credit Reporting Act

Our pricing and eligibility decisions are based in part on a consumer report(s) from a consumer reporting agency. You

are entitled to request a free copy of your report within 60 days of receipt of this notice in order to review accuracy of

the reports. To obtain your reports, please contact [Lexis Nexis Consumer Center, PO Box 105108, Atlanta, GA

30348-5108. Or call 1-800-456-6004, Monday through Friday, 8:00 A.M. to 6:00 P.M. Eastern Time].

Please note that the consumer reporting agency did not make any decisions regarding Commerce Insurance’s

eligibility and pricing and will be unable to provide you with specific reasons for the decisions. However, they will be

able to review the content of your report. (Please contact your insurance agent to explain reason(s) behind any

company decision(s).) In addition, incorrect information in a consumer report can have an adverse effect on your

eligibility or premium. If you believe the information in the consumer report is incorrect, you do have the right to

dispute the accuracy and/or completeness of the information in your consumer report directly with the consumer-

reporting agency.

Commerce Insurance Company Report Ordering

This is to reiterate that as part of our underwriting procedures, consumer reports are ordered relating to credit, driving

record, and loss history.

Vermont Automobile

Appendix A - 2

YOUTHFUL OPERATOR QUESTIONNAIRE

YOUTHFUL OPERATOR Commerce Insurance Assurance Company

QUESTIONNAIRE INSURED’S NAME: POLICY NO.

PART

I.

TO BE COMPLETED IN FULL BY EACH LICENSED DRIVER, AGE 16 THROUGH 22, IN HIS OR HER OWN HANDWRITING

WHENEVER: 1. The young driver is a member of the insured’s household (includes students away from home at school; with or without a car) rated as principal

operator, non-principal operator, or separately rated on their car policy.

2. The young river changes status from a non-principal to principal operator.

NOTE: For operators insured elsewhere, only Part I is required.

NAME OF YOUNG DRIVER DATE OF BIRTH DRIVERS LICENSE NO.

1. WHERE DO YOU RESIDE? INDICATE GRADE AVERAGE USING THE A, B, C, D, F SCALE FOR EACH SCHOOL YEAR LISTED:

HIGH GRADE AVE GRADE AVE GRADE AVE

SCHOOL 10 11 12

YEAR YEAR YEAR YEAR

COLLEGE 1 2 3 4

2. WHAT SCHOOL DO YOU, OR WILL YOU ATTEND?

LOCATION OF SCHOOL.

3. HAVE YOU EVER BEEN EXPELLED,

SUSPENDED, OR PLACED ON PROBATION

BY ANY SCHOOL AUTHORITY?

YES NO IF YES, EXPLAIN

4. DESCRIBE EMPLOYMENT STATUS AND JOB DUTIES:

5. HOW MANY DAYS A WEEK DISTANCE TO

WILL YOU DRIVE A CAR SCHOOL TO SCHOOL? (ONE WAY)

6. HOW MANY DAYS A WEEK DISTANCE WILL YOU DRIVE A CAR TO WORK?

TO WORK? (ONE WAY):

7. DO YOU OR WILL YOU HAVE

A VEHICLE FOR YOUR USE AWAY AT SCHOOL? YES NO

8. WHICH CAR DO YOU DRIVE MOST OFTEN?

9. HAVE YOU EVER BEEN CONVICTED OF

OR PAID A FINE FOR ANY VIOLATION OF A TRAFFIC LAW?

YES NO IF YES, GIVE DATES & DETAILS

10. HAVE YOU EVER BEEN INVOLVED

IN AN ACCIDENT AS A DRIVER?

YES NO IF YES, GIVE DATES & DETAILS

11. IS THE VEHICLE YOU OPERATE

MODIFIED IN ANY WAY?

YES NO IF YES, DESCRIBE MODIFICATIONS:

12. ARE ANY OF THE VEHICLES ON THIS POLICY OWNED BY

OR REGISTERED TO YOU? YES NO IF YES, WHICH VEHICLE(S):

13. PLEASE COMPLETE IF YOU

HAVE COVERAGE FOR YOUR

VEHICLE WITH ANOTHER COMPANY:

COMPANY POLICY NO. EFFECTIVE DATE

14. HAVE YOU EVER BEEN ARRESTED OR DETAINED BY A LEGAL AUTHORITY FOR ANY REASON OTHER THAN A TRAFFIC IF YES,

VIOLATION? YES NO GIVE DATES & DETAILS:

15. HOW LONG HAVE YOU BEEN DRIVING AUTOMOBILES?

16. DESCRIBE YOUR USE OF ALCOHOLIC BEVERAGES.

DATE: APPLICANTS SIGNATURE:

PART II: Reverse Side 1101(7/01)

Vermont Automobile

Appendix A - 3

TEEN CONTRACT

PART

II.

TEEN CONTRACT WITH C OMMERCE INSRUANCE

(AGE 16 THROUGH 18 ONLY)

1. TEEN DRIVER

I promise to:

Complete a Driver Training Course

Maintain a B or higher GPA

Wear seat belts at all times and make passengers wear seat belts at all times Not drive under the influence of alcohol or drugs

Obey all traffic controls and observe the posted speed limits

TEEN DRIVER SIGNATURE: DATE:

2. PARENT(S)

I promise to:

Impose a reasonable curfew based on teen’s academic, social and work schedules.

Limit passengers to one other teen other than family members. Restrict driving during inclement weather.

PARENT SIGNATURE: DATE:

IF ANY OF THE TERMS OF THIS CONTRACT ARE NOT MET, THE CONTRACT AND

DISCOUNTED RATE ARE VOIDED UPON THE NEXT RENEWAL.

TO BE COMPLETED BY THE AGENT

HAVE YOU SEEN AND INTERVIEWED THE YOUNG DRIVER PERSONALLY?

YES NO

DESCRIBE THE YOUNG DRIVER’S ATTITUDE AS BEST YOU CAN DETERMINE.

DO YOU FEEL THIS INDIVIDUAL WILL BE A RESPONSIBLE DRIVER?

D

ATE:

SIGNATURE OF

AGENT/INTERVIEWER:

Vermont Automobile

Appendix A - 4

HEALTH STATEMENT

Commerce Insurance Assurance Company HEALTH STATEMENT

INSURED’S NAME: POLICY NO.

PART I – TO BE COMPLETED BY INSURED

1. HEIGHT WEIGHT

2. DO YOU WEAR GLASSES OR CONTACT LENSES?

YES NO IF YES, WHAT IS YOUR CORRECTED VISION?

3. DO YOU HAVE ANY HEARING

IMPAIRMENTS? IF YES, EXPLAIN HOW

NO YES CORRECTED?

4. DO YOU HAVE HIGH BLOOD

PRESSURE? IF YES, HOW IS IT BEING

NO YES TREATED?

5. HAVE YOU BEEN TREATED FOR A

HEART CONDITION?

IF YES, PLEASE NO YES EXPLAIN.

6. ARE YOU CURRENTLY UNDER

TREATMENT

FOR ANY SERIOUS ILLNESS? IF YES, PLEASE

NO YES EXPLAIN.

7. HAVE YOU HAD ANY BLACKOUTS,

STROKES IF YES, GIVE DATES OR FAINTING PERIODS IN THE LAST 5 AND THE DESCRIPTION YEARS? OF PROBLEM:

NO YES

8. DO YOU HAVE ANY PHYSICAL/ IS A CAR ALTERED OR MODIFIED TO COMPENSATE MENTAL IMPAIRMENTS THAT FOR THE IMPAIRMENT? IF YES, SUBMIT FULL DETAILS

EFFECT YOUR ABILITY TO AND DESCRIBE WHAT SPECIAL EQUIPMENT, IF ANY, IS NO YEAR

SAFELY OPERATE AN INSTALLED IN THE VEHICLE TO COMPENSATE FOR MAKE AUTOMOBILE? THE DISABILITY. YES

LICENSE RESTRICTION

NO YES

IF YES, DESCRIBE THE TYPE AND LENGTH

OF TIME WITH THE IMPAIRMENT:

9. DO YOU HAVE A REGULAR

PRESCRIPTION(S) a. c. FOR MEDICATION?

IF YES, GIVE b. d.

NO YES DETAILS:

10. DO YOU HAVE YOUR DOCTOR’S PERMISSION TO DRIVE?

NO YES IF NO, PLEASE EXPLAIN:

11. DATE OF YOUR LAST PHYSICAL EXAM: 12. INSURED’S SIGNATURE: DATE:

PART 11 – TO BE COMPLETED BY AGENT

1. WHEN DID YOU LAST SEE THE INSURED?

2. BASED ON YOUR PERSONAL KNOWLEDGE, WHAT

IS YOUR RECOMMENDATION REGARDING THE

INSURED’S PHYSICAL DRIVING CAPABILITY

SIGNATURE OF

AGENT/INTERVIEWER: DATE:

1103 (1/89)

VAN & PICKUP QUESTIONNAIRE

Commerce Insurance Assurance Company VAN & PICKUP QUESTIONNAIRE

INSURED’S NAME POLICY NO.

TO BE COMPLETED IF THE VAN OR PICK-UP HAS PHYSICAL DAMAGE COVERAGE, AND IS MODIFIED OR ALTERED IN ANY WAY.

VEHICLE NO YEAR MAKE MODEL

HOW WILL THE VAN OR PICKUP BE USED?

WHO WILL OPERATE THE VAN OR PICKUP?

WHAT ALTERATIONS OR MODIFICATIONS HAVE BEEN MADE (INCLUDE ALL CHANGES TO CHASSIS, EXTERIOR AND INTERIOR)?

IS THERE A PLOW? YES NO

IF YES, DESCRIBE USE AND DO YOU RECEIVE

PAYMENT FOR PLOWING?

IS THERE A CAP ON THIS VEHICLE? YES NO

IF YES, PROVIDE VALUE $

WHAT IS THE CURRENT ODOMETER READING?

DO YOU PLAN TO ADD TO OR FURTHER MODIFY THIS VEHICLE? YES NO

IF YES, PLEASE EXPLAIN.

WHAT IS THE LOAD CAPACITY?

DATE APPLICANTS SIGNATURE

TO BE COMPLETED BY THE AGENT

HAVE YOU PERSONALLY INSPECTED THE VEHICLE? YES NO

WHAT IS THE COST NEW OF THE BASIC VEHICLE? WHAT IS THE TOTAL COST OF THE ALTERATIONS & MODIFICATIONS?

**THIS AMOUNT SHOULD BE STATED AS CUSTOMIZED EQUIPMENT ON THE DECLARATIONS.

DATE AGENT’S SIGNATURE

1102 (02/00)

Vermont Automobile

Appendix A - 5

Documents

Vermont Automobile Manual - MiddleOak