OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD … · 2019-02-12 · oregon mutual insurance company...

OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD

RATING FACTORS

March 2019 Oregon RF-1

POLICY RATING FACTORS

Advance Quoting CreditQuoted Ahead Factor Coverage Mkt 5.0 Mkt 5.1 Mkt 5.3 Mkt 5.4

1-7 Days 1.00 BI $86.70 $67.30 $102.00 $159.401-7 Days 1.00 PD $92.00 $60.00 $124.80 $164.701-7 Days 1.00 PIP $79.00 $45.00 $144.40 $223.201-7 Days 1.00 UMBI $14.13 $13.66 $19.03 $26.601-7 Days 1.00 UMPD $1.85 $2.48 $2.85 $2.091-7 Days 1.00 COMP $48.70 $42.74 $78.90 $83.97

8-30 Days 0.98 COLL $207.00 $169.40 $355.50 $412.308-30 Days 0.988-30 Days 0.998-30 Days 1.008-30 Days 1.008-30 Days 1.0031+ Days 0.9631+ Days 0.9731+ Days 0.9831+ Days 0.9931+ Days 0.9931+ Days 1.00

Status BI PD PIP UMBI UMPD COMP COLLN 1.000 1.000 1.000 1.000 1.000 1.000 1.000Y 1.030 1.030 1.030 1.030 1.030 1.030 1.030

Status BI PD PIP UMBI UMPD COMP COLLN 1.00 1.00 1.00 1.00 1.00 1.00 1.00Y 0.95 0.95 0.95 0.95 0.95 0.95 0.95

BI PD PIP UMBI UMPD COMP COLL$19.00 $10.00 $6.00 $6.00 $1.00 $6.00 $14.00

Usage BI PD PIP UMBI UMPD COMP COLLSingle Car 1.00 1.00 1.00 1.00 1.00 1.00 1.00Multi Car 0.85 0.85 0.85 0.85 0.85 0.85 0.85

Credit BI PD PIP UMBI UMPD COMP COLLY 0.920 0.900 0.880 1.000 1.000 0.881 0.880N 1.000 1.000 1.000 1.000 1.000 1.000 1.000

Base Rates

FIVE YEAR EXPERIENCE CREDIT

Fifth Renewal

Fifth Renewal0

First Renewal

0First Renewal

ACCIDENT FORGIVENESS RELATIVITIES

MULTI CAR DISCOUNT

Renewal Term0

First Renewal

Second RenewalThird Renewal

AFFINITY GROUP DISCOUNT RELATIVITIES

FIXED EXPENSE - PPV

Fourth Renewal

Fourth Renewal


Fourth Renewal


Fifth Renewal

OREGON MUTUAL INSURANCE COMPANY

CUSTOM SHIELD

RATING FACTORS


LEVEL BI PD PIP UMBI UMPD COMP COLL

98 1.3500 1.3500 1.9000 1.3500 1.3500 1.3500 1.3500

99 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337

1 1.8841 1.9472 2.5529 1.8841 1.8841 1.9472 1.8841

2 1.6122 1.6428 2.3804 1.6122 1.6122 1.6428 1.6122

3 1.5127 1.5326 2.2196 1.5127 1.5127 1.5326 1.5127

4 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337

5 1.3749 1.3810 1.8571 1.3749 1.3749 1.3810 1.3749

6 1.3252 1.3265 1.7195 1.3252 1.3252 1.3265 1.3252

7 1.2858 1.2836 1.6146 1.2858 1.2858 1.2836 1.2858

8 1.2497 1.2443 1.5214 1.2497 1.2497 1.2443 1.2497

9 1.2186 1.2107 1.4437 1.2186 1.2186 1.2107 1.2186

10 1.1924 1.1823 1.3795 1.1924 1.1924 1.1823 1.1924

11 1.1667 1.1545 1.3182 1.1667 1.1667 1.1545 1.1667

12 1.1435 1.1295 1.2640 1.1435 1.1435 1.1295 1.1435

13 1.1245 1.1090 1.2206 1.1245 1.1245 1.1090 1.1245

14 1.1076 1.0909 1.1828 1.1076 1.1076 1.0909 1.1076

15 1.0910 1.0731 1.1461 1.0910 1.0910 1.0731 1.0910

16 1.0747 1.0556 1.1106 1.0747 1.0747 1.0556 1.0747

17 1.0586 1.0384 1.0762 1.0586 1.0586 1.0384 1.0586

18 1.0463 1.0252 1.0502 1.0463 1.0463 1.0252 1.0463

19 1.0341 1.0121 1.0248 1.0341 1.0341 1.0121 1.0341

20 1.0220 0.9993 1.0000 1.0220 1.0220 0.9993 1.0220

21 1.0118 0.9884 0.9792 1.0118 1.0118 0.9884 1.0118

22 1.0000 0.9758 0.9556 1.0000 1.0000 0.9758 1.0000

23 0.9917 0.9669 0.9390 0.9917 0.9917 0.9669 0.9917

24 0.9817 0.9564 0.9195 0.9817 0.9817 0.9564 0.9817

25 0.9735 0.9477 0.9036 0.9735 0.9735 0.9477 0.9735

26 0.9654 0.9391 0.8879 0.9654 0.9654 0.9391 0.9654

27 0.9574 0.9305 0.8725 0.9574 0.9574 0.9305 0.9574

28 0.9510 0.9238 0.8604 0.9510 0.9510 0.9238 0.9510

29 0.9430 0.9154 0.8455 0.9430 0.9430 0.9154 0.9430

30 0.9383 0.9103 0.8366 0.9383 0.9383 0.9103 0.9383

31 0.9305 0.9021 0.8221 0.9305 0.9305 0.9021 0.9305

32 0.9243 0.8955 0.8107 0.9243 0.9243 0.8955 0.9243

33 0.9181 0.8890 0.7995 0.9181 0.9181 0.8890 0.9181

34 0.9135 0.8841 0.7911 0.9135 0.9135 0.8841 0.9135

35 0.9074 0.8777 0.7801 0.9074 0.9074 0.8777 0.9074

36 0.9013 0.8713 0.7693 0.9013 0.9013 0.8713 0.9013

37 0.8968 0.8665 0.7613 0.8968 0.8968 0.8665 0.8968

38 0.8923 0.8618 0.7533 0.8923 0.8923 0.8618 0.8923

39 0.8878 0.8571 0.7455 0.8878 0.8878 0.8571 0.8878

40 0.8849 0.8539 0.7403 0.8849 0.8849 0.8539 0.8849

41 0.8804 0.8493 0.7325 0.8804 0.8804 0.8493 0.8804

42 0.8760 0.8446 0.7249 0.8760 0.8760 0.8446 0.8760

43 0.8716 0.8400 0.7173 0.8716 0.8716 0.8400 0.8716

44 0.8687 0.8369 0.7123 0.8687 0.8687 0.8369 0.8687

45 0.8643 0.8324 0.7049 0.8643 0.8643 0.8324 0.8643

Note: Mkt. 1 does not use insurance score relativities.

Mkt. 5.0

INSURANCE SCORE RELATIVITIES

RF-2 Oregon March 2016


CUSTOM SHIELD

RATING FACTORS



46 0.8614 0.8293 0.7000 0.8614 0.8614 0.8293 0.8614

47 0.8571 0.8248 0.6927 0.8571 0.8571 0.8248 0.8571

48 0.8543 0.8218 0.6878 0.8543 0.8543 0.8218 0.8543

49 0.8514 0.8188 0.6831 0.8514 0.8514 0.8188 0.8514

50 0.8486 0.8158 0.6783 0.8486 0.8486 0.8158 0.8486

51 0.8471 0.8143 0.6759 0.8471 0.8471 0.8143 0.8471

52 0.8443 0.8113 0.6712 0.8443 0.8443 0.8113 0.8443

53 0.8415 0.8084 0.6665 0.8415 0.8415 0.8084 0.8415

54 0.8373 0.8040 0.6596 0.8373 0.8373 0.8040 0.8373

55 0.8345 0.8010 0.6550 0.8345 0.8345 0.8010 0.8345

56 0.8331 0.7996 0.6527 0.8331 0.8331 0.7996 0.8331

57 0.8303 0.7998 0.6481 0.8303 0.8303 0.7998 0.8303

58 0.8289 0.7998 0.6459 0.8289 0.8289 0.7998 0.8289

59 0.8261 0.8000 0.6414 0.8261 0.8261 0.8000 0.8261

60 0.8233 0.8002 0.6369 0.8233 0.8233 0.8002 0.8233

61 0.8220 0.8003 0.6347 0.8220 0.8220 0.8003 0.8220

62 0.8192 0.8005 0.6303 0.8192 0.8192 0.8005 0.8192

63 0.8178 0.8006 0.6281 0.8178 0.8178 0.8006 0.8178

64 0.8151 0.8008 0.6237 0.8151 0.8151 0.8008 0.8151

65 0.8137 0.8009 0.6215 0.8137 0.8137 0.8009 0.8137

66 0.8124 0.8010 0.6193 0.8124 0.8124 0.8010 0.8124

67 0.8110 0.8011 0.6172 0.8110 0.8110 0.8011 0.8110

68 0.8083 0.8013 0.6129 0.8083 0.8083 0.8013 0.8083

69 0.8056 0.8015 0.6086 0.8056 0.8056 0.8015 0.8056

70 0.8029 0.8017 0.6044 0.8029 0.8029 0.8017 0.8029

71 0.8016 0.8018 0.6022 0.8016 0.8016 0.8018 0.8016

72 0.7989 0.8020 0.5981 0.7989 0.7989 0.8020 0.7989

73 0.7975 0.8021 0.5960 0.7975 0.7975 0.8021 0.7975

74 0.7962 0.8021 0.5939 0.7962 0.7962 0.8021 0.7962

75 0.7935 0.8023 0.5897 0.7935 0.7935 0.8023 0.7935

76 0.7922 0.8024 0.5877 0.7922 0.7922 0.8024 0.7922

77 0.7896 0.8026 0.5836 0.7896 0.7896 0.8026 0.7896

78 0.7882 0.8027 0.5816 0.7882 0.7882 0.8027 0.7882

79 0.7856 0.8029 0.5775 0.7856 0.7856 0.8029 0.7856

80 0.7830 0.8031 0.5735 0.7830 0.7830 0.8031 0.7830

81 0.7804 0.8033 0.5695 0.7804 0.7804 0.8033 0.7804

82 0.7751 0.8037 0.5616 0.7751 0.7751 0.8037 0.7751

83 0.7712 0.8040 0.5557 0.7712 0.7712 0.8040 0.7712

84 0.7635 0.8045 0.5442 0.7635 0.7635 0.8045 0.7635


Mkt. 5.0

INSURANCE SCORE RELATIVITIES (Cont.)



CUSTOM SHIELD

RATING FACTORS



98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921

3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906

4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895

5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759

6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393

7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476

8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327

9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307

10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506

11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956

12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390



Mkt. 5.3



CUSTOM SHIELD

RATING FACTORS



98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272

1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921

3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906

4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895

5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759

6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393

7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476

8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327

9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307

10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506

11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956

12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390


Mkt. 5.4




CUSTOM SHIELD

RATING FACTORS


CUSTOM SHIELD RELATIVITIES


A 0.3350 0.3532 0.3763 0.3783 0.3532 0.9182 0.3532

B 0.3401 0.3584 0.3814 0.3834 0.3584 0.9192 0.3584

C 0.3499 0.3681 0.3912 0.3932 0.3681 0.9213 0.3681

D 0.3599 0.3782 0.4012 0.4032 0.3782 0.9233 0.3782

E 0.3698 0.3881 0.4111 0.4131 0.3881 0.9253 0.3881

F 0.3797 0.3979 0.4208 0.4228 0.3979 0.9272 0.3979

G 0.3897 0.4079 0.4308 0.4328 0.4079 0.9291 0.4079

H 0.3997 0.4179 0.4406 0.4426 0.4179 0.9309 0.4179

I 0.4099 0.4280 0.4507 0.4526 0.4280 0.9327 0.4280

J 0.4195 0.4376 0.4601 0.4621 0.4376 0.9344 0.4376

K 0.4298 0.4478 0.4702 0.4721 0.4478 0.9362 0.4478

L 0.4395 0.4573 0.4796 0.4815 0.4573 0.9378 0.4573

M 0.4498 0.4675 0.4896 0.4916 0.4675 0.9395 0.4675

N 0.4594 0.4770 0.4990 0.5009 0.4770 0.9411 0.4770

O 0.4697 0.4872 0.5090 0.5109 0.4872 0.9427 0.4872

P 0.4793 0.4967 0.5183 0.5201 0.4967 0.9442 0.4967

Q 0.4896 0.5068 0.5282 0.5300 0.5068 0.9458 0.5068

R 0.4995 0.5166 0.5378 0.5396 0.5166 0.9472 0.5166

S 0.5092 0.5261 0.5471 0.5489 0.5261 0.9487 0.5261

T 0.5196 0.5363 0.5570 0.5588 0.5363 0.9502 0.5363

U 0.5296 0.5462 0.5666 0.5684 0.5462 0.9516 0.5462

V 0.5393 0.5557 0.5759 0.5777 0.5557 0.9529 0.5557

W 0.5492 0.5654 0.5853 0.5871 0.5654 0.9543 0.5654

X 0.5593 0.5753 0.5949 0.5966 0.5753 0.9556 0.5753

Y 0.5695 0.5853 0.6047 0.6063 0.5853 0.9570 0.5853

Z 0.5794 0.5949 0.6140 0.6156 0.5949 0.9583 0.5949

AA 0.5894 0.6047 0.6235 0.6251 0.6047 0.9596 0.6047

AB 0.5990 0.6141 0.6325 0.6341 0.6141 0.9608 0.6141

AC 0.6094 0.6242 0.6423 0.6439 0.6242 0.9621 0.6242

AD 0.6193 0.6338 0.6516 0.6532 0.6338 0.9633 0.6338

AE 0.6294 0.6436 0.6611 0.6626 0.6436 0.9645 0.6436

AF 0.6390 0.6530 0.6701 0.6716 0.6530 0.9656 0.6530

AG 0.6493 0.6631 0.6798 0.6813 0.6631 0.9668 0.6631

AH 0.6592 0.6727 0.6891 0.6905 0.6727 0.9680 0.6727

AI 0.6693 0.6824 0.6985 0.6999 0.6824 0.9691 0.6824

AJ 0.6795 0.6923 0.7080 0.7093 0.6923 0.9703 0.6923

AK 0.6892 0.7017 0.7170 0.7183 0.7017 0.9714 0.7017

AL 0.6990 0.7112 0.7261 0.7274 0.7112 0.9724 0.7112

AM 0.7096 0.7215 0.7360 0.7372 0.7215 0.9736 0.7215

AN 0.7190 0.7306 0.7447 0.7459 0.7306 0.9746 0.7306

AO 0.7292 0.7405 0.7541 0.7553 0.7405 0.9756 0.7405

AP 0.7396 0.7505 0.7637 0.7648 0.7505 0.9767 0.7505

AQ 0.7494 0.7599 0.7727 0.7738 0.7599 0.9777 0.7599

AR 0.7593 0.7695 0.7818 0.7829 0.7695 0.9787 0.7695

AS 0.7693 0.7791 0.7910 0.7920 0.7791 0.9797 0.7791

AT 0.7794 0.7889 0.8004 0.8013 0.7889 0.9807 0.7889

AU 0.7897 0.7988 0.8098 0.8107 0.7988 0.9817 0.7988

RF-6 Oregon August 2016


CUSTOM SHIELD

RATING FACTORS


CUSTOM SHIELD RELATIVITIES (Cont.)


AV 0.7993 0.8081 0.8186 0.8195 0.8081 0.9827 0.8081

AW 0.8091 0.8174 0.8275 0.8284 0.8174 0.9836 0.8174

AX 0.8198 0.8277 0.8373 0.8381 0.8277 0.9846 0.8277

AY 0.8297 0.8373 0.8464 0.8471 0.8373 0.9855 0.8373

AZ 0.8399 0.8470 0.8556 0.8563 0.8470 0.9865 0.8470

BA 0.8492 0.8560 0.8641 0.8648 0.8560 0.9873 0.8560

BB 0.8596 0.8659 0.8735 0.8741 0.8659 0.9883 0.8659

BC 0.8692 0.8751 0.8822 0.8828 0.8751 0.9891 0.8751

BD 0.8797 0.8852 0.8918 0.8924 0.8852 0.9900 0.8852

BE 0.8896 0.8946 0.9007 0.9012 0.8946 0.9909 0.8946

BF 0.8995 0.9041 0.9097 0.9101 0.9041 0.9918 0.9041

BG 0.9095 0.9137 0.9187 0.9192 0.9137 0.9926 0.9137

BH 0.9197 0.9234 0.9279 0.9283 0.9234 0.9935 0.9234

BI 0.9299 0.9332 0.9371 0.9375 0.9332 0.9943 0.9332

BJ 0.9394 0.9422 0.9456 0.9459 0.9422 0.9951 0.9422

BK 0.9499 0.9522 0.9551 0.9553 0.9522 0.9960 0.9522

BL 0.9595 0.9614 0.9637 0.9639 0.9614 0.9968 0.9614

BM 0.9702 0.9716 0.9733 0.9735 0.9716 0.9976 0.9716

BN 0.9800 0.9810 0.9821 0.9822 0.9810 0.9984 0.9810

BO 0.9900 0.9904 0.9910 0.9911 0.9904 0.9992 0.9904

BP 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

BQ 1.0101 1.0096 1.0091 1.0090 1.0096 1.0008 1.0096

BR 1.0204 1.0194 1.0182 1.0181 1.0194 1.0016 1.0194

BS 1.0297 1.0282 1.0265 1.0263 1.0282 1.0023 1.0282

BT 1.0401 1.0381 1.0358 1.0356 1.0381 1.0031 1.0381

BU 1.0507 1.0482 1.0452 1.0449 1.0482 1.0039 1.0482

BV 1.0603 1.0573 1.0537 1.0534 1.0573 1.0046 1.0573

BW 1.0699 1.0664 1.0623 1.0619 1.0664 1.0053 1.0664

BX 1.0808 1.0767 1.0719 1.0715 1.0767 1.0061 1.0767

BY 1.0906 1.0861 1.0806 1.0802 1.0861 1.0068 1.0861

BZ 1.1006 1.0955 1.0894 1.0889 1.0955 1.0075 1.0955

CA 1.1106 1.1050 1.0983 1.0977 1.1050 1.0082 1.1050

CB 1.1208 1.1146 1.1073 1.1066 1.1146 1.0089 1.1146

CC 1.1310 1.1243 1.1163 1.1156 1.1243 1.0097 1.1243

CD 1.1401 1.1329 1.1244 1.1236 1.1329 1.0103 1.1329

CE 1.1505 1.1427 1.1335 1.1327 1.1427 1.0110 1.1427

CF 1.1610 1.1527 1.1428 1.1419 1.1527 1.0117 1.1527

CG 1.1704 1.1615 1.1510 1.1501 1.1615 1.0124 1.1615

CH 1.1811 1.1716 1.1604 1.1595 1.1716 1.0131 1.1716

CI 1.1907 1.1807 1.1688 1.1678 1.1807 1.0137 1.1807

CJ 1.2003 1.1898 1.1773 1.1762 1.1898 1.0144 1.1898

CK 1.2113 1.2001 1.1869 1.1857 1.2001 1.0151 1.2001

CL 1.2211 1.2093 1.1954 1.1943 1.2093 1.0157 1.2093

CM 1.2310 1.2187 1.2041 1.2029 1.2187 1.0164 1.2187

CN 1.2410 1.2281 1.2128 1.2115 1.2281 1.0170 1.2281

CO 1.2510 1.2375 1.2216 1.2203 1.2375 1.0176 1.2375

CP 1.2612 1.2471 1.2304 1.2290 1.2471 1.0183 1.2471

August 2016 Oregon RF-7


CUSTOM SHIELD

RATING FACTORS




CQ 1.2714 1.2567 1.2393 1.2379 1.2567 1.0189 1.2567

CR 1.2817 1.2664 1.2483 1.2468 1.2664 1.0196 1.2664

CS 1.2921 1.2761 1.2574 1.2558 1.2761 1.0202 1.2761

CT 1.3012 1.2847 1.2653 1.2637 1.2847 1.0208 1.2847

CU 1.3118 1.2946 1.2745 1.2728 1.2946 1.0214 1.2946

CV 1.3211 1.3034 1.2825 1.2808 1.3034 1.0220 1.3034

CW 1.3318 1.3134 1.2918 1.2900 1.3134 1.0226 1.3134

CX 1.3412 1.3223 1.3000 1.2981 1.3223 1.0232 1.3223

CY 1.3521 1.3325 1.3094 1.3075 1.3325 1.0238 1.3325

CZ 1.3617 1.3414 1.3177 1.3157 1.3414 1.0244 1.3414

DA 1.3713 1.3505 1.3261 1.3240 1.3505 1.0250 1.3505

DB 1.3824 1.3609 1.3357 1.3335 1.3609 1.0256 1.3609

DC 1.3922 1.3701 1.3441 1.3419 1.3701 1.0262 1.3701

DD 1.4021 1.3793 1.3526 1.3504 1.3793 1.0267 1.3793

DE 1.4120 1.3886 1.3612 1.3589 1.3886 1.0273 1.3886

DF 1.4220 1.3980 1.3698 1.3674 1.3980 1.0279 1.3980

DG 1.4321 1.4074 1.3785 1.3761 1.4074 1.0284 1.4074

DH 1.4423 1.4169 1.3872 1.3847 1.4169 1.0290 1.4169

DI 1.4525 1.4264 1.3960 1.3934 1.4264 1.0296 1.4264

DJ 1.4628 1.4361 1.4048 1.4022 1.4361 1.0301 1.4361

DK 1.4731 1.4458 1.4137 1.4110 1.4458 1.0307 1.4458

DL 1.4821 1.4541 1.4214 1.4187 1.4541 1.0312 1.4541

DM 1.4926 1.4639 1.4304 1.4276 1.4639 1.0318 1.4639

DN 1.5032 1.4738 1.4394 1.4366 1.4738 1.0323 1.4738

DO 1.5123 1.4823 1.4472 1.4443 1.4823 1.0328 1.4823

DP 1.5230 1.4923 1.4564 1.4534 1.4923 1.0334 1.4923

DQ 1.5338 1.5023 1.4656 1.4626 1.5023 1.0340 1.5023

DR 1.5431 1.5110 1.4736 1.4705 1.5110 1.0345 1.5110

DS 1.5525 1.5198 1.4816 1.4784 1.5198 1.0349 1.5198

DT 1.5635 1.5300 1.4910 1.4877 1.5300 1.0355 1.5300

DU 1.5730 1.5388 1.4990 1.4957 1.5388 1.0360 1.5388

DV 1.5841 1.5492 1.5085 1.5052 1.5492 1.0366 1.5492

DW 1.5937 1.5582 1.5167 1.5133 1.5582 1.0371 1.5582

DX 1.6034 1.5672 1.5249 1.5214 1.5672 1.0376 1.5672

DY 1.6132 1.5762 1.5332 1.5296 1.5762 1.0380 1.5762

DZ 1.6246 1.5868 1.5429 1.5393 1.5868 1.0386 1.5868

EA 1.6345 1.5960 1.5513 1.5476 1.5960 1.0391 1.5960

EB 1.6444 1.6052 1.5597 1.5559 1.6052 1.0396 1.6052

EC 1.6544 1.6145 1.5682 1.5643 1.6145 1.0401 1.6145

ED 1.6644 1.6238 1.5767 1.5728 1.6238 1.0406 1.6238

EE 1.6745 1.6332 1.5852 1.5812 1.6332 1.0411 1.6332

EF 1.6847 1.6426 1.5938 1.5898 1.6426 1.0416 1.6426

EG 1.6949 1.6521 1.6025 1.5984 1.6521 1.0421 1.6521

EH 1.7052 1.6617 1.6112 1.6070 1.6617 1.0426 1.6617

EI 1.7138 1.6697 1.6184 1.6142 1.6697 1.0430 1.6697

EJ 1.7242 1.6793 1.6272 1.6229 1.6793 1.0435 1.6793

EK 1.7347 1.6890 1.6360 1.6317 1.6890 1.0439 1.6890

EL 1.7452 1.6988 1.6449 1.6405 1.6988 1.0444 1.6988



CUSTOM SHIELD

RATING FACTORS




EM 1.7540 1.7069 1.6524 1.6478 1.7069 1.0449 1.7069

EN 1.7647 1.7168 1.6613 1.6567 1.7168 1.0453 1.7168

EO 1.7754 1.7267 1.6703 1.6657 1.7267 1.0458 1.7267

EP 1.7844 1.7350 1.6779 1.6731 1.7350 1.0463 1.7350

EQ 1.7952 1.7450 1.6870 1.6822 1.7450 1.0467 1.7450

ER 1.8061 1.7551 1.6961 1.6912 1.7551 1.0472 1.7551

ES 1.8153 1.7636 1.7038 1.6988 1.7636 1.0477 1.7636

ET 1.8263 1.7738 1.7130 1.7080 1.7738 1.0482 1.7738

EU 1.8355 1.7823 1.7208 1.7157 1.7823 1.0486 1.7823

EV 1.8448 1.7909 1.7285 1.7234 1.7909 1.0490 1.7909

EW 1.8560 1.8012 1.7379 1.7327 1.8012 1.0495 1.8012

EX 1.8654 1.8099 1.7458 1.7405 1.8099 1.0499 1.8099

EY 1.8767 1.8203 1.7552 1.7499 1.8203 1.0504 1.8203

EZ 1.8862 1.8291 1.7632 1.7577 1.8291 1.0508 1.8291

FA 1.8957 1.8379 1.7711 1.7656 1.8379 1.0512 1.8379

FB 1.9053 1.8467 1.7791 1.7736 1.8467 1.0516 1.8467

FC 1.9169 1.8574 1.7888 1.7831 1.8574 1.0521 1.8574

FD 1.9266 1.8663 1.7969 1.7911 1.8663 1.0525 1.8663

FE 1.9363 1.8753 1.8050 1.7992 1.8753 1.0530 1.8753

FF 1.9461 1.8843 1.8132 1.8073 1.8843 1.0534 1.8843

FG 1.9560 1.8934 1.8213 1.8154 1.8934 1.0538 1.8934

FH 1.9659 1.9025 1.8296 1.8236 1.9025 1.0542 1.9025

FI 1.9778 1.9135 1.8395 1.8334 1.9135 1.0547 1.9135

FJ 1.9878 1.9227 1.8478 1.8416 1.9227 1.0551 1.9227

FK 1.9978 1.9320 1.8562 1.8499 1.9320 1.0555 1.9320

FL 2.0283 1.9600 1.8814 1.8750 1.9600 1.0568 1.9600

FM 2.0780 2.0057 1.9226 1.9157 2.0057 1.0588 2.0057

FN 2.1289 2.0524 1.9646 1.9574 2.0524 1.0608 2.0524

FO 2.1789 2.0982 2.0058 1.9982 2.0982 1.0627 2.0982

FP 2.2301 2.1451 2.0478 2.0398 2.1451 1.0646 2.1451

FQ 2.2801 2.1909 2.0889 2.0805 2.1909 1.0665 2.1909

FR 2.3313 2.2376 2.1307 2.1219 2.2376 1.0683 2.2376

FS 2.3812 2.2832 2.1714 2.1623 2.2832 1.0701 2.2832

FT 2.4322 2.3297 2.2129 2.2034 2.3297 1.0719 2.3297

FU 2.4818 2.3748 2.2532 2.2432 2.3748 1.0736 2.3748

FV 2.5323 2.4209 2.2942 2.2838 2.4209 1.0752 2.4209

FW 2.5840 2.4678 2.3360 2.3252 2.4678 1.0769 2.4678

FX 2.6340 2.5132 2.3763 2.3651 2.5132 1.0786 2.5132

FY 2.6849 2.5595 2.4174 2.4058 2.5595 1.0802 2.5595

FZ 2.7341 2.6041 2.4569 2.4449 2.6041 1.0817 2.6041

GA 2.7871 2.6520 2.4994 2.4869 2.6520 1.0833 2.6520

GB 2.8381 2.6983 2.5403 2.5274 2.6983 1.0849 2.6983

GC 2.8872 2.7427 2.5795 2.5662 2.7427 1.0863 2.7427

GD 2.9372 2.7878 2.6194 2.6056 2.7878 1.0878 2.7878

GE 2.9880 2.8337 2.6598 2.6456 2.8337 1.0892 2.8337

GF 3.0397 2.8803 2.7009 2.6863 2.8803 1.0907 2.8803

GG 3.0891 2.9249 2.7401 2.7251 2.9249 1.0921 2.9249

GH 3.1394 2.9701 2.7800 2.7645 2.9701 1.0934 2.9701



CUSTOM SHIELD

RATING FACTORS




GI 3.1905 3.0161 2.8204 2.8044 3.0161 1.0948 3.0161

GJ 3.2424 3.0628 2.8613 2.8450 3.0628 1.0962 3.0628

GK 3.2918 3.1072 2.9003 2.8835 3.1072 1.0975 3.1072

GL 3.3420 3.1523 2.9398 2.9225 3.1523 1.0988 3.1523

GM 3.3930 3.1980 2.9798 2.9621 3.1980 1.1001 3.1980

GN 3.4447 3.2444 3.0204 3.0022 3.2444 1.1014 3.2444

GO 3.4973 3.2914 3.0615 3.0429 3.2914 1.1027 3.2914

GP 3.5470 3.3360 3.1004 3.0813 3.3360 1.1039 3.3360

GQ 3.5974 3.3811 3.1398 3.1202 3.3811 1.1051 3.3811

GR 3.6486 3.4268 3.1797 3.1596 3.4268 1.1064 3.4268

GS 3.7005 3.4732 3.2201 3.1996 3.4732 1.1076 3.4732

GT 3.7494 3.5168 3.2580 3.2371 3.5168 1.1087 3.5168

GU 3.7989 3.5610 3.2964 3.2750 3.5610 1.1098 3.5610

GV 3.8529 3.6092 3.3383 3.3164 3.6092 1.1111 3.6092

GW 3.9038 3.6545 3.3777 3.3553 3.6545 1.1122 3.6545

GX 3.9513 3.6968 3.4144 3.3916 3.6968 1.1133 3.6968

GY 4.0035 3.7433 3.4547 3.4314 3.7433 1.1144 3.7433

GZ 4.0563 3.7903 3.4954 3.4716 3.7903 1.1155 3.7903



CUSTOM SHIELD

RATING FACTORS



25/50 1.000 20,000 0.970 15,000 0.960 25/50 1.000 20,000 1.670

50/100 1.220 25,000 1.000 25,000 1.000 50/100 1.600 25,000 2.000

100* 1.420 50,000 1.060 35,000 1.350 100* 1.820 50,000 2.500

100/300 1.500 100,000 1.080 50,000 1.579 100/300 1.950 100,000 3.000

300* 1.820 300,000* 1.100 300* 2.410

250/500 1.880 500,000* 1.110 250/500 2.190

500* 1.980 1,000,000* 1.140 500* 2.740

500/1000 2.200 500/1000 2.870

1000* 2.380 1000* 3.050

Factor Factor

1.00 0.97

0.85 1.00

Package Policy Credit

BI PD PIP UMBI UMPD COMP COLL

MHO w or w/o Umbrella 0.99 0.99 0.99 0.99 0.99 0.99 0.99

HO 3 & 5 w/o Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84

HO 3 & 5 w/ Umbrella 0.82 0.82 0.82 0.82 0.82 0.82 0.82

HO 6 w/o Umbrella 0.86 0.86 0.86 0.86 0.86 0.86 0.86

HO 6 w/ Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84

HO 4 w/o Umbrella 0.92 0.92 0.92 0.92 0.92 0.92 0.92

HO 4 w /Umbrella 0.90 0.90 0.90 0.90 0.90 0.90 0.90

No Pkg 1.00 1.00 1.00 1.00 1.00 1.00 1.00


N 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Y 1.07 1.07 1.07 1.07 1.07 1.07 1.07

Longevity Credit

Yrs w/OMI Factor Yrs w/OMI Factor

0 1.00 6 0.97

1-2 1.00 7 0.96

3 1.00 8 0.95

4 0.99 9 0.94

5 0.98 10+ 0.93

*Displayed for use in computing Combined Single Limit coverages only - not available as a

multiple limit option.

LIMIT RELATIVITIES

PIP UMBI UMPDBI PD

Not Deployed

Deployed

Military Deployment Credit

Status

PERMISSIVE USER RELATIVITIES

CSL Apply to BI & PD Only

Discount

Y

N


CUSTOM SHIELD

RATING FACTORS


Decoder Prior Carrier Limits Decoder Prior Policy Type1 Prior coverage - Standard Carrier

2 Prior coverage - Non-Standard Carrier

3 No Prior coverage (i.e., prior insurance cancelled or

4 No Need for Prior Coverage

Decoder Prior Days Lapsed

Prior Carrier Days Lapsed

Days BI PD PIP UMBI UMPD COMP COLL

0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

2 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

3 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

4 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

5 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

6 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000

7 + 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500

Prior Carrier Limits

Limit Code BI PD PIP UMBI UMPD COMP COLL

0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

50 1.2000 1.2200 1.2200 1.2200 1.2200 1.1200 1.1200

100 1.1000 1.1000 1.1000 1.1000 1.1000 1.0400 1.0400

300 1.0000 1.0000 1.0000 1.0000 1.0000 0.9600 0.9600

500 0.9400 0.9000 0.9000 0.9000 0.9000 0.9200 0.9200

600 1.1500 1.1500 1.1500 1.1500 1.1500 1.1000 1.1000

700 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

800 0.9400 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000

900 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

Prior Carrier Policy Type


1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1.4000 1.4000 1.4000 1.4000 1.4000 1.4000 1.4000

1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior//No Need

0 is No Prior Limit

50 is <50/100

100 is >=50/100 & <100/300

700 is >=100 CSL & <300 CSL

800 is >=300 CSL

600 is<100 CSL

900 is No Prior, No Need

Prior Cov Standard Assumed

lapsed, or uninsured)300 is 100/300

500 is >100/300

Type

Prior Standard

Prior Non-Standard

This is the number of days between the EXPIRATION of

prior insurance coverage and Quote EFFECTIVE date.

No Prior



CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5

No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000



















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10

No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000

No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000




















Prior Months With Carrier



CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5

Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000






















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5




















Time with Prior Carrier-NON STD-lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000

Time with Prior Carrier-NON STD-no lapse 2 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10




















Time with Prior Carrier-NON STD-lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000






CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5


















Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000





Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5























Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


























CUSTOM SHIELD

RATING FACTORS


Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yrs 0 - 1

Factor

Yr 2

Factor

Yr 3

Factor

Yr 4

Factor

Yr 5















Definition

Prior

Type

Days

Lapse

Limit

code

Months

lower

Months

upper

Factor

Yr 6

Factor

Yr 7

Factor

Yr 8

Factor

Yr 9

Factor

Yr 10


















CUSTOM SHIELD

RATING FACTORS


Score Level Age Factor Score Level Age Factor

A 15 0.7490 W 16 0.9941

B 15 0.8046 X 16 0.9949

C 15 0.8284 Y 16 0.9957

D 15 0.8491 Z 16 0.9964

E 15 0.8656 AA 16 0.9972

F 15 0.8804 AB 16 1.0000

G 15 0.8926 A 17 0.7490

H 15 0.9044 B 17 0.8046

I 15 0.9149 C 17 0.8284

J 15 0.9241 D 17 0.8491

K 15 0.9334 E 17 0.8656

L 15 0.9420 F 17 0.8804

M 15 0.9493 G 17 0.8926

N 15 0.9559 H 17 0.9044

O 15 0.9625 I 17 0.9149

P 15 0.9692 J 17 0.9241

Q 15 0.9760 K 17 0.9334

R 15 0.9812 L 17 0.9420

S 15 0.9865 M 17 0.9493

T 15 0.9918 N 17 0.9559

U 15 0.9926 O 17 0.9625

V 15 0.9934 P 17 0.9692

W 15 0.9941 Q 17 0.9760

X 15 0.9949 R 17 0.9812

Y 15 0.9957 S 17 0.9865

Z 15 0.9964 T 17 0.9918

AA 15 0.9972 U 17 0.9926

AB 15 1.0000 V 17 0.9934

A 16 0.7490 W 17 0.9941

B 16 0.8046 X 17 0.9949

C 16 0.8284 Y 17 0.9957

D 16 0.8491 Z 17 0.9964

E 16 0.8656 AA 17 0.9972

F 16 0.8804 AB 17 1.0000

G 16 0.8926 A 18 0.7490

H 16 0.9044 B 18 0.8046

I 16 0.9149 C 18 0.8284

J 16 0.9241 D 18 0.8491

K 16 0.9334 E 18 0.8656

L 16 0.9420 F 18 0.8804

M 16 0.9493 G 18 0.8926

N 16 0.9559 H 18 0.9044

O 16 0.9625 I 18 0.9149

P 16 0.9692 J 18 0.9241

Q 16 0.9760 K 18 0.9334

R 16 0.9812 L 18 0.9420

S 16 0.9865 M 18 0.9493

T 16 0.9918 N 18 0.9559

U 16 0.9926 O 18 0.9625

V 16 0.9934 P 18 0.9692

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



Q 18 0.9760 K 20 0.9334

R 18 0.9812 L 20 0.9420

S 18 0.9865 M 20 0.9493

T 18 0.9918 N 20 0.9559

U 18 0.9926 O 20 0.9625

V 18 0.9934 P 20 0.9692

W 18 0.9941 Q 20 0.9760

X 18 0.9949 R 20 0.9812

Y 18 0.9957 S 20 0.9865

Z 18 0.9964 T 20 0.9918

AA 18 0.9972 U 20 0.9926

AB 18 1.0000 V 20 0.9934

A 19 0.7490 W 20 0.9941

B 19 0.8046 X 20 0.9949

C 19 0.8284 Y 20 0.9957

D 19 0.8491 Z 20 0.9964

E 19 0.8656 AA 20 0.9972

F 19 0.8804 AB 20 1.0000

G 19 0.8926 A 21 0.7490

H 19 0.9044 B 21 0.8046

I 19 0.9149 C 21 0.8284

J 19 0.9241 D 21 0.8491

K 19 0.9334 E 21 0.8656

L 19 0.9420 F 21 0.8804

M 19 0.9493 G 21 0.8926

N 19 0.9559 H 21 0.9044

O 19 0.9625 I 21 0.9149

P 19 0.9692 J 21 0.9241

Q 19 0.9760 K 21 0.9334

R 19 0.9812 L 21 0.9420

S 19 0.9865 M 21 0.9493

T 19 0.9918 N 21 0.9559

U 19 0.9926 O 21 0.9625

V 19 0.9934 P 21 0.9692

W 19 0.9941 Q 21 0.9760

X 19 0.9949 R 21 0.9812

Y 19 0.9957 S 21 0.9865

Z 19 0.9964 T 21 0.9918

AA 19 0.9972 U 21 0.9926

AB 19 1.0000 V 21 0.9934

A 20 0.7490 W 21 0.9941

B 20 0.8046 X 21 0.9949

C 20 0.8284 Y 21 0.9957

D 20 0.8491 Z 21 0.9964

E 20 0.8656 AA 21 0.9972

F 20 0.8804 AB 21 1.0000

G 20 0.8926 A 22 0.7657

H 20 0.9044 B 22 0.8176

I 20 0.9149 C 22 0.8398

J 20 0.9241 D 22 0.8592

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



E 22 0.8746 AA 23 0.9976

F 22 0.8884 AB 23 1.0000

G 22 0.8998 A 24 0.7992

H 22 0.9108 B 24 0.8437

I 22 0.9206 C 24 0.8627

J 22 0.9292 D 24 0.8793

K 22 0.9378 E 24 0.8925

L 22 0.9459 F 24 0.9043

M 22 0.9527 G 24 0.9141

N 22 0.9588 H 24 0.9235

O 22 0.9650 I 24 0.9319

P 22 0.9713 J 24 0.9393

Q 22 0.9776 K 24 0.9467

R 22 0.9825 L 24 0.9536

S 22 0.9874 M 24 0.9594

T 22 0.9923 N 24 0.9647

U 22 0.9931 O 24 0.9700

V 22 0.9938 P 24 0.9754

W 22 0.9945 Q 24 0.9808

X 22 0.9952 R 24 0.9850

Y 22 0.9960 S 24 0.9892

Z 22 0.9966 T 24 0.9934

AA 22 0.9974 U 24 0.9941

AB 22 1.0000 V 24 0.9947

A 23 0.7825 W 24 0.9953

B 23 0.8307 X 24 0.9959

C 23 0.8513 Y 24 0.9966

D 23 0.8692 Z 24 0.9971

E 23 0.8835 AA 24 0.9978

F 23 0.8963 AB 24 1.0000

G 23 0.9069 A 25 0.8159

H 23 0.9171 B 25 0.8567

I 23 0.9262 C 25 0.8742

J 23 0.9342 D 25 0.8893

K 23 0.9423 E 25 0.9014

L 23 0.9497 F 25 0.9123

M 23 0.9561 G 25 0.9212

N 23 0.9618 H 25 0.9299

O 23 0.9675 I 25 0.9376

P 23 0.9733 J 25 0.9443

Q 23 0.9792 K 25 0.9512

R 23 0.9837 L 25 0.9575

S 23 0.9883 M 25 0.9628

T 23 0.9929 N 25 0.9677

U 23 0.9936 O 25 0.9725

V 23 0.9943 P 25 0.9774

W 23 0.9949 Q 25 0.9824

X 23 0.9956 R 25 0.9862

Y 23 0.9963 S 25 0.9901

Z 23 0.9969 T 25 0.9940

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



U 25 0.9946 O 27 0.9775

V 25 0.9952 P 27 0.9815

W 25 0.9957 Q 27 0.9856

X 25 0.9963 R 27 0.9887

Y 25 0.9968 S 27 0.9919

Z 25 0.9974 T 27 0.9951

AA 25 0.9979 U 27 0.9956

AB 25 1.0000 V 27 0.9960

A 26 0.8327 W 27 0.9965

B 26 0.8697 X 27 0.9969

C 26 0.8856 Y 27 0.9974

D 26 0.8994 Z 27 0.9978

E 26 0.9104 AA 27 0.9983

F 26 0.9203 AB 27 1.0000

G 26 0.9284 A 28 0.8661

H 26 0.9363 B 28 0.8958

I 26 0.9433 C 28 0.9085

J 26 0.9494 D 28 0.9195

K 26 0.9556 E 28 0.9283

L 26 0.9613 F 28 0.9362

M 26 0.9662 G 28 0.9427

N 26 0.9706 H 28 0.9490

O 26 0.9750 I 28 0.9546

P 26 0.9795 J 28 0.9595

Q 26 0.9840 K 28 0.9645

R 26 0.9875 L 28 0.9691

S 26 0.9910 M 28 0.9730

T 26 0.9945 N 28 0.9765

U 26 0.9951 O 28 0.9800

V 26 0.9956 P 28 0.9836

W 26 0.9961 Q 28 0.9872

X 26 0.9966 R 28 0.9900

Y 26 0.9971 S 28 0.9928

Z 26 0.9976 T 28 0.9956

AA 26 0.9981 U 28 0.9961

AB 26 1.0000 V 28 0.9965

A 27 0.8494 W 28 0.9969

B 27 0.8828 X 28 0.9973

C 27 0.8970 Y 28 0.9977

D 27 0.9095 Z 28 0.9981

E 27 0.9194 AA 28 0.9985

F 27 0.9282 AB 28 1.0000

G 27 0.9356 A 29 0.8829

H 27 0.9426 B 29 0.9088

I 27 0.9489 C 29 0.9199

J 27 0.9545 D 29 0.9296

K 27 0.9600 E 29 0.9373

L 27 0.9652 F 29 0.9442

M 27 0.9696 G 29 0.9499

N 27 0.9735 H 29 0.9554

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



I 29 0.9603 C 31 0.9428

J 29 0.9646 D 31 0.9497

K 29 0.9689 E 31 0.9552

L 29 0.9729 F 31 0.9601

M 29 0.9763 G 31 0.9642

N 29 0.9794 H 31 0.9681

O 29 0.9825 I 31 0.9716

P 29 0.9856 J 31 0.9747

Q 29 0.9888 K 31 0.9778

R 29 0.9912 L 31 0.9807

S 29 0.9937 M 31 0.9831

T 29 0.9962 N 31 0.9853

U 29 0.9965 O 31 0.9875

V 29 0.9969 P 31 0.9897

W 29 0.9972 Q 31 0.9920

X 29 0.9976 R 31 0.9937

Y 29 0.9980 S 31 0.9955

Z 29 0.9983 T 31 0.9973

AA 29 0.9987 U 31 0.9975

AB 29 1.0000 V 31 0.9978

A 30 0.8996 W 31 0.9980

B 30 0.9218 X 31 0.9983

C 30 0.9314 Y 31 0.9986

D 30 0.9396 Z 31 0.9988

E 30 0.9462 AA 31 0.9991

F 30 0.9522 AB 31 1.0000

G 30 0.9570 A 32 0.9331

H 30 0.9618 B 32 0.9479

I 30 0.9660 C 32 0.9542

J 30 0.9696 D 32 0.9598

K 30 0.9734 E 32 0.9642

L 30 0.9768 F 32 0.9681

M 30 0.9797 G 32 0.9714

N 30 0.9824 H 32 0.9745

O 30 0.9850 I 32 0.9773

P 30 0.9877 J 32 0.9798

Q 30 0.9904 K 32 0.9822

R 30 0.9925 L 32 0.9845

S 30 0.9946 M 32 0.9865

T 30 0.9967 N 32 0.9882

U 30 0.9970 O 32 0.9900

V 30 0.9974 P 32 0.9918

W 30 0.9976 Q 32 0.9936

X 30 0.9980 R 32 0.9950

Y 30 0.9983 S 32 0.9964

Z 30 0.9986 T 32 0.9978

AA 30 0.9989 U 32 0.9980

AB 30 1.0000 V 32 0.9982

A 31 0.9163 W 32 0.9984

B 31 0.9349 X 32 0.9986

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



Y 32 0.9989 S 34 0.9982

Z 32 0.9990 T 34 0.9989

AA 32 0.9993 U 34 0.9990

AB 32 1.0000 V 34 0.9991

A 33 0.9498 W 34 0.9992

B 33 0.9609 X 34 0.9993

C 33 0.9657 Y 34 0.9994

D 33 0.9698 Z 34 0.9995

E 33 0.9731 AA 34 0.9996

F 33 0.9761 AB 34 1.0000

G 33 0.9785 A 35 0.9833

H 33 0.9809 B 35 0.9870

I 33 0.9830 C 35 0.9886

J 33 0.9848 D 35 0.9899

K 33 0.9867 E 35 0.9910

L 33 0.9884 F 35 0.9920

M 33 0.9899 G 35 0.9928

N 33 0.9912 H 35 0.9936

O 33 0.9925 I 35 0.9943

P 33 0.9938 J 35 0.9949

Q 33 0.9952 K 35 0.9956

R 33 0.9962 L 35 0.9961

S 33 0.9973 M 35 0.9966

T 33 0.9984 N 35 0.9971

U 33 0.9985 O 35 0.9975

V 33 0.9987 P 35 0.9979

W 33 0.9988 Q 35 0.9984

X 33 0.9990 R 35 0.9987

Y 33 0.9991 S 35 0.9991

Z 33 0.9993 T 35 0.9995

AA 33 0.9994 U 35 0.9995

AB 33 1.0000 V 35 0.9996

A 34 0.9665 W 35 0.9996

B 34 0.9739 X 35 0.9997

C 34 0.9771 Y 35 0.9997

D 34 0.9799 Z 35 0.9998

E 34 0.9821 AA 35 0.9998

F 34 0.9841 AB 35 1.0000

G 34 0.9857 A >=36 1.0000

H 34 0.9873 B >=36 1.0000

I 34 0.9887 C >=36 1.0000

J 34 0.9899 D >=36 1.0000

K 34 0.9911 E >=36 1.0000

L 34 0.9923 F >=36 1.0000

M 34 0.9932 G >=36 1.0000

N 34 0.9941 H >=36 1.0000

O 34 0.9950 I >=36 1.0000

P 34 0.9959 J >=36 1.0000

Q 34 0.9968 K >=36 1.0000

R 34 0.9975 L >=36 1.0000

Score x Maximum Age



CUSTOM SHIELD

RATING FACTORS



M >=36 1.0000

N >=36 1.0000

O >=36 1.0000

P >=36 1.0000

Q >=36 1.0000

R >=36 1.0000

S >=36 1.0000

T >=36 1.0000

U >=36 1.0000

V >=36 1.0000

W >=36 1.0000

X >=36 1.0000

Y >=36 1.0000

Z >=36 1.0000

AA >=36 1.0000

AB >=36 1.0000

Score x Maximum Age



CUSTOM SHIELD

RATIING FACTORS

DRIVER RATING FACTORS

Single Male Single Female

AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL

15 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960

16 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960

17 3.3720 3.2120 1.5460 3.3720 2.6220 0.9450 2.6220 2.9000 2.8560 1.8750 2.9000 2.3530 0.8160 2.3530

18 2.8740 2.7280 1.2850 2.8740 2.3450 0.9750 2.3450 2.4920 2.4430 1.5790 2.4920 2.0920 0.8460 2.0920

19 2.4740 2.3580 1.1120 2.4740 2.1290 1.0000 2.1290 2.1640 2.1300 1.3850 2.1640 1.8910 0.8720 1.8910

20 2.1500 2.0690 0.9970 2.1500 1.9570 1.0210 1.9570 1.8950 1.8890 1.2570 1.8950 1.7320 0.8940 1.7320

21 1.8830 1.8400 0.9210 1.8830 1.8140 1.0390 1.8140 1.6730 1.6990 1.1740 1.6730 1.6030 0.9130 1.6030

22 1.6620 1.6540 0.8730 1.6620 1.6930 1.0530 1.6930 1.4870 1.5460 1.1240 1.4870 1.4940 0.9280 1.4940

23 1.5460 1.5330 0.8440 1.5460 1.5920 1.0640 1.5920 1.3910 1.4500 1.0980 1.3910 1.4040 0.9420 1.4040

24 1.4670 1.4410 0.8300 1.4670 1.5090 1.0740 1.5090 1.3290 1.3800 1.0890 1.3290 1.3320 0.9520 1.3320

25 1.3990 1.3660 0.8280 1.3990 1.4430 1.0810 1.4430 1.2750 1.3230 1.0950 1.2750 1.2750 0.9610 1.2750

26 1.3400 1.3010 0.8330 1.3400 1.3900 1.0870 1.3900 1.2280 1.2760 1.1110 1.2280 1.2300 0.9680 1.2300

27 1.2880 1.2470 0.8450 1.2880 1.3450 1.0930 1.3450 1.1870 1.2360 1.1350 1.1870 1.1930 0.9740 1.1930

28 1.2440 1.1990 0.8610 1.2440 1.3080 1.0960 1.3080 1.1510 1.2020 1.1640 1.1510 1.1620 0.9790 1.1620

29 1.2040 1.1590 0.8800 1.2040 1.2760 1.1000 1.2760 1.1190 1.1730 1.1950 1.1190 1.1370 0.9820 1.1370

30 1.1680 1.1230 0.8990 1.1680 1.2470 1.1020 1.2470 1.0900 1.1460 1.2290 1.0900 1.1150 0.9850 1.1150

31 1.1360 1.0910 0.9190 1.1360 1.2210 1.1040 1.2210 1.0630 1.1230 1.2610 1.0630 1.0960 0.9870 1.0960

32 1.1070 1.0620 0.9370 1.1070 1.1970 1.1060 1.1970 1.0400 1.1000 1.2900 1.0400 1.0770 0.9890 1.0770

33 1.0800 1.0360 0.9530 1.0800 1.1740 1.1080 1.1740 1.0180 1.0800 1.3150 1.0180 1.0610 0.9900 1.0610

34 1.0570 1.0130 0.9650 1.0570 1.1530 1.1100 1.1530 0.9980 1.0600 1.3350 0.9980 1.0450 0.9910 1.0450

35 1.0350 0.9920 0.9730 1.0350 1.1310 1.1120 1.1310 0.9790 1.0410 1.3490 0.9790 1.0290 0.9910 1.0290

36 1.0150 0.9730 0.9770 1.0150 1.1110 1.1140 1.1110 0.9630 1.0230 1.3550 0.9630 1.0140 0.9910 1.0140

37 0.9970 0.9550 0.9760 0.9970 1.0900 1.1150 1.0900 0.9470 1.0060 1.3550 0.9470 0.9980 0.9910 0.9980

38 0.9800 0.9390 0.9710 0.9800 1.0700 1.1170 1.0700 0.9320 0.9890 1.3460 0.9320 0.9820 0.9900 0.9820

39 0.9650 0.9240 0.9610 0.9650 1.0500 1.1180 1.0500 0.9180 0.9720 1.3310 0.9180 0.9660 0.9890 0.9660

40 0.9510 0.9110 0.9470 0.9510 1.0300 1.1190 1.0300 0.9050 0.9570 1.3090 0.9050 0.9500 0.9880 0.9500

41 0.9390 0.9000 0.9290 0.9390 1.0110 1.1200 1.0110 0.8930 0.9420 1.2810 0.8930 0.9340 0.9860 0.9340

42 0.9280 0.8890 0.9080 0.9280 0.9920 1.1210 0.9920 0.8820 0.9270 1.2490 0.8820 0.9190 0.9840 0.9190

43 0.9170 0.8800 0.8860 0.9170 0.9730 1.1210 0.9730 0.8710 0.9130 1.2130 0.8710 0.9030 0.9820 0.9030

44 0.9080 0.8730 0.8620 0.9080 0.9560 1.1210 0.9560 0.8620 0.9010 1.1750 0.8620 0.8880 0.9800 0.8880

45 0.9000 0.8660 0.8370 0.9000 0.9390 1.1200 0.9390 0.8530 0.8890 1.1350 0.8530 0.8730 0.9760 0.8730

46 0.8930 0.8610 0.8120 0.8930 0.9240 1.1190 0.9240 0.8450 0.8780 1.0940 0.8450 0.8580 0.9720 0.8580

47 0.8870 0.8580 0.7880 0.8870 0.9090 1.1180 0.9090 0.8380 0.8690 1.0540 0.8380 0.8450 0.9680 0.8450

48 0.8820 0.8550 0.7640 0.8820 0.8970 1.1160 0.8970 0.8310 0.8610 1.0150 0.8310 0.8330 0.9630 0.8330

49 0.8790 0.8540 0.7420 0.8790 0.8850 1.1140 0.8850 0.8240 0.8540 0.9780 0.8240 0.8210 0.9580 0.8210

50 0.8760 0.8540 0.7220 0.8760 0.8750 1.1120 0.8750 0.8190 0.8470 0.9440 0.8190 0.8100 0.9520 0.8100

51 0.8740 0.8550 0.7040 0.8740 0.8660 1.1100 0.8660 0.8140 0.8430 0.9110 0.8140 0.8000 0.9460 0.8000

52 0.8740 0.8570 0.6880 0.8740 0.8590 1.1070 0.8590 0.8110 0.8400 0.8810 0.8110 0.7920 0.9400 0.7920

53 0.8740 0.8610 0.6740 0.8740 0.8530 1.1030 0.8530 0.8070 0.8370 0.8540 0.8070 0.7840 0.9340 0.7840

54 0.8750 0.8660 0.6620 0.8750 0.8490 1.1000 0.8490 0.8040 0.8370 0.8300 0.8040 0.7770 0.9270 0.7770

55 0.8770 0.8710 0.6530 0.8770 0.8880 1.0960 0.8880 0.8020 0.8370 0.8080 0.8020 0.8110 0.9200 0.8110

56 0.8810 0.8780 0.6460 0.8810 0.8870 1.0920 0.8870 0.8000 0.8380 0.7890 0.8000 0.8050 0.9130 0.8050

57 0.8850 0.8850 0.6400 0.8850 0.8870 1.0870 0.8870 0.7990 0.8410 0.7710 0.7990 0.8020 0.9060 0.8020

AGE - MARITAL STATUS - GENDER FACTORS



CUSTOM SHIELD

RATING FACTORS


Single Male Single Female


58 0.8900 0.8930 0.6350 0.8900 0.8880 1.0830 0.8880 0.7990 0.8450 0.7550 0.7990 0.7990 0.8990 0.7990

59 0.8960 0.9010 0.6330 0.8960 0.8910 1.0790 0.8910 0.7990 0.8500 0.7400 0.7990 0.7980 0.8920 0.7980

60 0.9030 0.9100 0.6300 0.9030 0.9380 1.1290 0.9380 0.7990 0.8550 0.7260 0.7990 0.8350 0.9290 0.8350

61 0.9100 0.9190 0.6270 0.9100 0.9440 1.1250 0.9440 0.8000 0.8610 0.7100 0.8000 0.8350 0.9220 0.8350

62 0.9190 0.9280 0.6220 0.9190 0.9490 1.1200 0.9490 0.8010 0.8680 0.6930 0.8010 0.8360 0.9150 0.8360

63 0.9280 0.9370 0.6160 0.9280 0.9570 1.1160 0.9570 0.8020 0.8750 0.6740 0.8020 0.8370 0.9070 0.8370

64 0.9370 0.9460 0.6050 0.9370 0.9650 1.1130 0.9650 0.8030 0.8820 0.6510 0.8030 0.8380 0.9010 0.8380

65 0.9480 0.9540 0.5910 0.9480 0.9720 1.1100 0.9720 0.8050 0.8900 0.6230 0.8050 0.8390 0.8950 0.8390

66 0.9590 0.9620 0.5870 0.9590 0.9810 1.1070 0.9810 0.8060 0.8970 0.6160 0.8060 0.8400 0.8890 0.8400

67 0.9710 0.9700 0.5870 0.9710 0.9890 1.1040 0.9890 0.8080 0.9050 0.6160 0.8080 0.8430 0.8840 0.8430

68 0.9840 0.9770 0.5870 0.9840 0.9970 1.1010 0.9970 0.8100 0.9110 0.6160 0.8100 0.8440 0.8790 0.8440

69 0.9970 0.9830 0.5870 0.9970 1.0040 1.0980 1.0040 0.8130 0.9180 0.6160 0.8130 0.8450 0.8740 0.8450

70 1.0100 0.9900 0.5870 1.0100 1.0110 1.0960 1.0110 0.8150 0.9240 0.6160 0.8150 0.8460 0.8690 0.8460

71 1.0250 0.9960 0.5870 1.0250 1.0630 1.1460 1.0630 0.8180 0.9290 0.6160 0.8180 0.8830 0.9050 0.8830

72 1.0410 1.0020 0.5870 1.0410 1.0670 1.1430 1.0670 0.8200 0.9340 0.6160 0.8200 0.8830 0.9010 0.8830

73 1.0570 1.0080 0.5870 1.0570 1.0710 1.1400 1.0710 0.8230 0.9370 0.6160 0.8230 0.8810 0.8950 0.8810

74 1.0740 1.0160 0.5870 1.0740 1.0730 1.1350 1.0730 0.8270 0.9410 0.6160 0.8270 0.8790 0.8890 0.8790

75 1.0930 1.0240 0.5870 1.0930 1.0730 1.1300 1.0730 0.8300 0.9430 0.6160 0.8300 0.8760 0.8820 0.8760

76 1.1140 1.0340 0.5870 1.1140 1.0720 1.1230 1.0720 0.8350 0.9460 0.6160 0.8350 0.8730 0.8760 0.8730

77 1.1350 1.0470 0.5870 1.1350 1.0700 1.1130 1.0700 0.8400 0.9490 0.6160 0.8400 0.8690 0.8660 0.8690

78 1.1600 1.0640 0.5870 1.1600 1.0660 1.1010 1.0660 0.8450 0.9530 0.6160 0.8450 0.8660 0.8550 0.8660

79 1.1870 1.0860 0.5870 1.1870 1.0630 1.0860 1.0630 0.8530 0.9580 0.6160 0.8530 0.8630 0.8430 0.8630

80 1.2170 1.1150 0.5870 1.2170 1.0580 1.1160 1.0580 0.8620 0.9640 0.6160 0.8620 0.8590 0.8650 0.8590

81 1.2510 1.1530 0.5870 1.2510 1.0550 1.0910 1.0550 0.8730 0.9730 0.6160 0.8730 0.8580 0.8440 0.8580

82 1.2910 1.2030 0.5870 1.2910 1.0510 1.0630 1.0510 0.8860 0.9860 0.6160 0.8860 0.8590 0.8200 0.8590

83 1.3350 1.2670 0.5870 1.3350 1.0500 1.0270 1.0500 0.9030 1.0040 0.6160 0.9030 0.8630 0.7920 0.8630

84 1.3880 1.3530 0.5870 1.3880 1.0520 0.9860 1.0520 0.9240 1.0280 0.6160 0.9240 0.8690 0.7610 0.8690

85 1.4500 1.4660 0.5870 1.4500 1.0580 0.9380 1.0580 0.9500 1.0620 0.6160 0.9500 0.8820 0.7250 0.8820

86 1.4730 1.5030 0.5870 1.4730 1.0650 0.9260 1.0650 0.9590 1.0730 0.6160 0.9590 0.8880 0.7150 0.8880

87 1.4850 1.5150 0.5870 1.4850 1.0730 0.9260 1.0730 0.9630 1.0770 0.6160 0.9630 0.8910 0.7150 0.8910

88 1.4970 1.5270 0.5870 1.4970 1.0820 0.9260 1.0820 0.9670 1.0820 0.6160 0.9670 0.8950 0.7150 0.8950

89 1.5090 1.5390 0.5870 1.5090 1.0900 0.9260 1.0900 0.9700 1.0860 0.6160 0.9700 0.8980 0.7150 0.8980

90 1.5210 1.5520 0.5870 1.5210 1.0990 0.9260 1.0990 0.9740 1.0900 0.6160 0.9740 0.9020 0.7150 0.9020

91 1.5330 1.5640 0.5870 1.5330 1.1070 0.9260 1.1070 0.9780 1.0950 0.6160 0.9780 0.9050 0.7150 0.9050

92 1.5450 1.5770 0.5870 1.5450 1.1170 0.9260 1.1170 0.9820 1.0990 0.6160 0.9820 0.9090 0.7150 0.9090

93 1.5580 1.5890 0.5870 1.5580 1.1260 0.9260 1.1260 0.9860 1.1040 0.6160 0.9860 0.9120 0.7150 0.9120

94 1.5700 1.6020 0.5870 1.5700 1.1350 0.9260 1.1350 0.9900 1.1080 0.6160 0.9900 0.9170 0.7150 0.9170

95 1.5830 1.6150 0.5870 1.5830 1.1440 0.9260 1.1440 0.9940 1.1120 0.6160 0.9940 0.9200 0.7150 0.9200

96 1.5950 1.6280 0.5870 1.5950 1.1530 0.9260 1.1530 0.9980 1.1170 0.6160 0.9980 0.9230 0.7150 0.9230

97 1.6080 1.6410 0.5870 1.6080 1.1630 0.9260 1.1630 1.0020 1.1210 0.6160 1.0020 0.9270 0.7150 0.9270

98 1.6210 1.6540 0.5870 1.6210 1.1720 0.9260 1.1720 1.0060 1.1260 0.6160 1.0060 0.9300 0.7150 0.9300

99 1.6340 1.6670 0.5870 1.6340 1.1810 0.9260 1.1810 1.0100 1.1300 0.6160 1.0100 0.9350 0.7150 0.9350




CUSTOM SHIELD

RATING FACTORS


Married Male Married Female


15 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030

16 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030

17 2.7450 3.1120 1.3660 2.7450 2.7370 1.0080 2.7370 2.2740 2.0340 1.5580 2.2740 1.7440 0.7550 1.7440

18 2.3670 2.5860 1.1450 2.3670 2.3590 1.0210 2.3590 1.9760 1.7590 1.2960 1.9760 1.5750 0.7770 1.5750

19 2.0630 2.1990 0.9990 2.0630 2.0730 1.0290 2.0730 1.7330 1.5540 1.1220 1.7330 1.4450 0.7960 1.4450

20 1.8130 1.9090 0.9030 1.8130 1.8530 1.0350 1.8530 1.5330 1.3960 1.0070 1.5330 1.3430 0.8120 1.3430

21 1.6070 1.6870 0.8410 1.6070 1.6790 1.0370 1.6790 1.3670 1.2750 0.9310 1.3670 1.2600 0.8260 1.2600

22 1.4340 1.5120 0.8030 1.4340 1.5370 1.0370 1.5370 1.2270 1.1790 0.8830 1.2270 1.1910 0.8360 1.1910

23 1.3470 1.4020 0.7840 1.3470 1.4210 1.0350 1.4210 1.1590 1.1240 0.8550 1.1590 1.1350 0.8460 1.1350

24 1.2920 1.3220 0.7770 1.2920 1.3320 1.0330 1.3320 1.1170 1.0870 0.8420 1.1170 1.0910 0.8530 1.0910

25 1.2440 1.2590 0.7800 1.2440 1.2610 1.0300 1.2610 1.0810 1.0590 0.8400 1.0810 1.0580 0.8590 1.0580

26 1.2040 1.2090 0.7920 1.2040 1.2060 1.0250 1.2060 1.0490 1.0390 0.8460 1.0490 1.0330 0.8650 1.0330

27 1.1690 1.1680 0.8100 1.1690 1.1620 1.0210 1.1620 1.0220 1.0230 0.8580 1.0220 1.0140 0.8690 1.0140

28 1.1380 1.1340 0.8320 1.1380 1.1270 1.0170 1.1270 0.9990 1.0100 0.8760 0.9990 0.9990 0.8720 0.9990

29 1.1110 1.1060 0.8570 1.1110 1.0990 1.0130 1.0990 0.9790 0.9990 0.8950 0.9790 0.9880 0.8750 0.9880

30 1.0880 1.0820 0.8840 1.0880 1.0760 1.0100 1.0760 0.9600 0.9900 0.9160 0.9600 0.9790 0.8780 0.9790

31 1.0670 1.0630 0.9100 1.0670 1.0570 1.0070 1.0570 0.9440 0.9820 0.9370 0.9440 0.9720 0.8810 0.9720

32 1.0480 1.0450 0.9360 1.0480 1.0410 1.0040 1.0410 0.9290 0.9740 0.9560 0.9290 0.9650 0.8830 0.9650

33 1.0320 1.0300 0.9590 1.0320 1.0260 1.0020 1.0260 0.9150 0.9660 0.9730 0.9150 0.9590 0.8860 0.9590

34 1.0170 1.0150 0.9800 1.0170 1.0140 1.0010 1.0140 0.9020 0.9570 0.9860 0.9020 0.9520 0.8880 0.9520

35 1.0030 1.0030 0.9960 1.0030 1.0030 1.0000 1.0030 0.8910 0.9480 0.9950 0.8910 0.9450 0.8900 0.9450

36 0.9910 0.9910 1.0080 0.9910 0.9920 1.0000 0.9920 0.8800 0.9380 1.0000 0.8800 0.9370 0.8920 0.9370

37 0.9800 0.9800 1.0150 0.9800 0.9810 1.0000 0.9810 0.8690 0.9280 1.0000 0.8690 0.9280 0.8940 0.9280

38 0.9690 0.9700 1.0180 0.9690 0.9710 1.0010 0.9710 0.8590 0.9180 0.9950 0.8590 0.9190 0.8960 0.9190

39 0.9610 0.9590 1.0160 0.9610 0.9610 1.0020 0.9610 0.8500 0.9060 0.9860 0.8500 0.9090 0.8980 0.9090

40 0.9530 0.9500 1.0090 0.9530 0.9510 1.0040 0.9510 0.8410 0.8930 0.9730 0.8410 0.8980 0.9000 0.8980

41 0.9460 0.9410 0.9980 0.9460 0.9410 1.0060 0.9410 0.8330 0.8810 0.9550 0.8330 0.8870 0.9020 0.8870

42 0.9390 0.9330 0.9850 0.9390 0.9310 1.0080 0.9310 0.8260 0.8680 0.9350 0.8260 0.8750 0.9030 0.8750

43 0.9330 0.9250 0.9680 0.9330 0.9210 1.0100 0.9210 0.8180 0.8550 0.9130 0.8180 0.8620 0.9040 0.8620

44 0.9280 0.9180 0.9500 0.9280 0.9110 1.0130 0.9110 0.8110 0.8420 0.8890 0.8110 0.8500 0.9040 0.8500

45 0.9250 0.9110 0.9300 0.9250 0.9020 1.0150 0.9020 0.8050 0.8290 0.8640 0.8050 0.8370 0.9040 0.8370

46 0.9220 0.9050 0.9100 0.9220 0.8930 1.0180 0.8930 0.7980 0.8170 0.8390 0.7980 0.8240 0.9040 0.8240

47 0.9190 0.9010 0.8890 0.9190 0.8840 1.0210 0.8840 0.7920 0.8060 0.8140 0.7920 0.8120 0.9030 0.8120

48 0.9170 0.8970 0.8700 0.9170 0.8760 1.0230 0.8760 0.7870 0.7950 0.7910 0.7870 0.8000 0.9010 0.8000

49 0.9170 0.8940 0.8520 0.9170 0.8690 1.0250 0.8690 0.7820 0.7850 0.7680 0.7820 0.7890 0.8990 0.7890

50 0.9170 0.8920 0.8350 0.9170 0.8620 1.0270 0.8620 0.7780 0.7760 0.7480 0.7780 0.7780 0.8970 0.7780

51 0.9180 0.8920 0.8210 0.9180 0.8550 1.0290 0.8550 0.7740 0.7680 0.7300 0.7740 0.7670 0.8940 0.7670

52 0.9190 0.8930 0.8080 0.9190 0.8500 1.0310 0.8500 0.7700 0.7610 0.7140 0.7700 0.7570 0.8900 0.7570

53 0.9220 0.8940 0.7990 0.9220 0.8460 1.0330 0.8460 0.7670 0.7550 0.7000 0.7670 0.7480 0.8860 0.7480

54 0.9250 0.8980 0.7920 0.9250 0.8420 1.0350 0.8420 0.7640 0.7510 0.6890 0.7640 0.7410 0.8810 0.7410

55 0.9300 0.9020 0.7870 0.9300 0.8810 1.0360 0.8810 0.7610 0.7470 0.6790 0.7610 0.7700 0.8760 0.7700

56 0.9350 0.9070 0.7840 0.9350 0.8790 1.0370 0.8790 0.7580 0.7450 0.6720 0.7580 0.7620 0.8710 0.7620

57 0.9400 0.9140 0.7840 0.9400 0.8780 1.0380 0.8780 0.7560 0.7440 0.6670 0.7560 0.7570 0.8650 0.7570




CUSTOM SHIELD

RATING FACTORS


Married Male Married Female


58 0.9460 0.9230 0.7850 0.9460 0.8780 1.0390 0.8780 0.7540 0.7440 0.6630 0.7540 0.7520 0.8590 0.7520

59 0.9530 0.9320 0.7880 0.9530 0.8780 1.0400 0.8780 0.7520 0.7450 0.6610 0.7520 0.7480 0.8530 0.7480

60 0.9600 0.9410 0.7910 0.9600 0.9210 1.0930 0.9210 0.7510 0.7470 0.6580 0.7510 0.7790 0.8880 0.7790

61 0.9690 0.9530 0.7930 0.9690 0.9230 1.0940 0.9230 0.7490 0.7500 0.6550 0.7490 0.7760 0.8810 0.7760

62 0.9780 0.9650 0.7940 0.9780 0.9260 1.0940 0.9260 0.7480 0.7540 0.6510 0.7480 0.7720 0.8740 0.7720

63 0.9870 0.9780 0.7920 0.9870 0.9300 1.0950 0.9300 0.7470 0.7590 0.6450 0.7470 0.7700 0.8660 0.7700

64 0.9960 0.9910 0.7860 0.9960 0.9330 1.0960 0.9330 0.7450 0.7640 0.6350 0.7450 0.7680 0.8590 0.7680

65 1.0060 1.0040 0.7730 1.0060 0.9370 1.0960 0.9370 0.7440 0.7700 0.6200 0.7440 0.7670 0.8510 0.7670

66 1.0170 1.0190 0.7690 1.0170 0.9420 1.0970 0.9420 0.7420 0.7760 0.6160 0.7420 0.7660 0.8420 0.7660

67 1.0280 1.0330 0.7690 1.0280 0.9470 1.0980 0.9470 0.7400 0.7820 0.6160 0.7400 0.7630 0.8340 0.7630

68 1.0390 1.0480 0.7690 1.0390 0.9520 1.0980 0.9520 0.7390 0.7890 0.6160 0.7390 0.7620 0.8250 0.7620

69 1.0510 1.0630 0.7690 1.0510 0.9570 1.0980 0.9570 0.7370 0.7950 0.6160 0.7370 0.7610 0.8170 0.7610

70 1.0630 1.0780 0.7690 1.0630 0.9610 1.0970 0.9610 0.7350 0.8020 0.6160 0.7350 0.7590 0.8070 0.7590

71 1.0760 1.0930 0.7690 1.0760 1.0110 1.1480 1.0110 0.7330 0.8080 0.6160 0.7330 0.7910 0.8360 0.7910

72 1.0890 1.1080 0.7690 1.0890 1.0170 1.1460 1.0170 0.7300 0.8140 0.6160 0.7300 0.7900 0.8250 0.7900

73 1.1020 1.1230 0.7690 1.1020 1.0220 1.1440 1.0220 0.7280 0.8190 0.6160 0.7280 0.7880 0.8140 0.7880

74 1.1160 1.1390 0.7690 1.1160 1.0280 1.1390 1.0280 0.7260 0.8230 0.6160 0.7260 0.7840 0.8020 0.7840

75 1.1310 1.1550 0.7690 1.1310 1.0340 1.1320 1.0340 0.7240 0.8270 0.6160 0.7240 0.7820 0.7880 0.7820

76 1.1480 1.1720 0.7690 1.1480 1.0420 1.1240 1.0420 0.7220 0.8300 0.6160 0.7220 0.7800 0.7720 0.7800

77 1.1650 1.1890 0.7690 1.1650 1.0510 1.1120 1.0510 0.7210 0.8330 0.6160 0.7210 0.7770 0.7570 0.7770

78 1.1850 1.2100 0.7690 1.1850 1.0610 1.0970 1.0610 0.7210 0.8360 0.6160 0.7210 0.7760 0.7370 0.7760

79 1.2060 1.2320 0.7690 1.2060 1.0740 1.0780 1.0740 0.7210 0.8390 0.6160 0.7210 0.7760 0.7170 0.7760

80 1.2310 1.2590 0.7690 1.2310 1.0900 1.1030 1.0900 0.7220 0.8420 0.6160 0.7220 0.7770 0.7250 0.7770

81 1.2590 1.2900 0.7690 1.2590 1.1120 1.0740 1.1120 0.7240 0.8460 0.6160 0.7240 0.7810 0.6970 0.7810

82 1.2910 1.3280 0.7690 1.2910 1.1390 1.0400 1.1390 0.7290 0.8510 0.6160 0.7290 0.7870 0.6670 0.7870

83 1.3280 1.3750 0.7690 1.3280 1.1730 0.9980 1.1730 0.7350 0.8580 0.6160 0.7350 0.7970 0.6330 0.7970

84 1.3720 1.4330 0.7690 1.3720 1.2180 0.9510 1.2180 0.7440 0.8680 0.6160 0.7440 0.8120 0.5960 0.8120

85 1.4230 1.5060 0.7690 1.4230 1.2740 0.8980 1.2740 0.7570 0.8830 0.6160 0.7570 0.8340 0.5570 0.8340

86 1.4430 1.5320 0.7690 1.4430 1.2940 0.8840 1.2940 0.7630 0.8890 0.6160 0.7630 0.8410 0.5460 0.8410

87 1.4540 1.5440 0.7690 1.4540 1.3050 0.8840 1.3050 0.7660 0.8920 0.6160 0.7660 0.8440 0.5460 0.8440

88 1.4660 1.5570 0.7690 1.4660 1.3160 0.8840 1.3160 0.7690 0.8960 0.6160 0.7690 0.8480 0.5460 0.8480

89 1.4780 1.5690 0.7690 1.4780 1.3260 0.8840 1.3260 0.7720 0.8990 0.6160 0.7720 0.8510 0.5460 0.8510

90 1.4900 1.5820 0.7690 1.4900 1.3360 0.8840 1.3360 0.7750 0.9030 0.6160 0.7750 0.8540 0.5460 0.8540

91 1.5020 1.5950 0.7690 1.5020 1.3470 0.8840 1.3470 0.7780 0.9070 0.6160 0.7780 0.8580 0.5460 0.8580

92 1.5140 1.6070 0.7690 1.5140 1.3580 0.8840 1.3580 0.7810 0.9100 0.6160 0.7810 0.8610 0.5460 0.8610

93 1.5260 1.6200 0.7690 1.5260 1.3690 0.8840 1.3690 0.7840 0.9140 0.6160 0.7840 0.8650 0.5460 0.8650

94 1.5380 1.6330 0.7690 1.5380 1.3800 0.8840 1.3800 0.7870 0.9180 0.6160 0.7870 0.8680 0.5460 0.8680

95 1.5500 1.6460 0.7690 1.5500 1.3900 0.8840 1.3900 0.7900 0.9210 0.6160 0.7900 0.8720 0.5460 0.8720

96 1.5630 1.6590 0.7690 1.5630 1.4020 0.8840 1.4020 0.7940 0.9250 0.6160 0.7940 0.8750 0.5460 0.8750

97 1.5750 1.6730 0.7690 1.5750 1.4130 0.8840 1.4130 0.7970 0.9290 0.6160 0.7970 0.8790 0.5460 0.8790

98 1.5880 1.6860 0.7690 1.5880 1.4250 0.8840 1.4250 0.8000 0.9320 0.6160 0.8000 0.8820 0.5460 0.8820

99 1.6010 1.7000 0.7690 1.6010 1.4360 0.8840 1.4360 0.8030 0.9360 0.6160 0.8030 0.8860 0.5460 0.8860




RATING FACTORS



Single Non-Specified Single Non-SpecifiedAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.5480 3.4600 2.0060 3.5480 2.7380 0.8560 2.7380 58 0.8450 0.8690 0.6950 0.8450 0.8440 0.9910 0.844016 3.5480 3.4600 2.0060 3.5480 2.7380 0.8560 2.7380 59 0.8480 0.8760 0.6870 0.8480 0.8450 0.9860 0.845017 3.1360 3.0340 1.7110 3.1360 2.4880 0.8810 2.4880 60 0.8510 0.8830 0.6780 0.8510 0.8870 1.0290 0.887018 2.6830 2.5860 1.4320 2.6830 2.2190 0.9110 2.2190 61 0.8550 0.8900 0.6690 0.8550 0.8900 1.0240 0.890019 2.3190 2.2440 1.2490 2.3190 2.0100 0.9360 2.0100 62 0.8600 0.8980 0.6580 0.8600 0.8930 1.0180 0.893020 2.0230 1.9790 1.1270 2.0230 1.8450 0.9580 1.8450 63 0.8650 0.9060 0.6450 0.8650 0.8970 1.0120 0.897021 1.7780 1.7700 1.0480 1.7780 1.7090 0.9760 1.7090 64 0.8700 0.9140 0.6280 0.8700 0.9020 1.0070 0.902022 1.5750 1.6000 0.9990 1.5750 1.5940 0.9910 1.5940 65 0.8770 0.9220 0.6070 0.8770 0.9060 1.0030 0.906023 1.4690 1.4920 0.9710 1.4690 1.4980 1.0030 1.4980 66 0.8830 0.9300 0.6020 0.8830 0.9110 0.9980 0.911024 1.3980 1.4110 0.9600 1.3980 1.4210 1.0130 1.4210 67 0.8900 0.9380 0.6020 0.8900 0.9160 0.9940 0.916025 1.3370 1.3450 0.9620 1.3370 1.3590 1.0210 1.3590 68 0.8970 0.9440 0.6020 0.8970 0.9210 0.9900 0.921026 1.2840 1.2890 0.9720 1.2840 1.3100 1.0280 1.3100 69 0.9050 0.9510 0.6020 0.9050 0.9250 0.9860 0.925027 1.2380 1.2420 0.9900 1.2380 1.2690 1.0340 1.2690 70 0.9130 0.9570 0.6020 0.9130 0.9290 0.9830 0.929028 1.1980 1.2010 1.0130 1.1980 1.2350 1.0380 1.2350 71 0.9220 0.9630 0.6020 0.9220 0.9730 1.0260 0.973029 1.1620 1.1660 1.0380 1.1620 1.2070 1.0410 1.2070 72 0.9310 0.9680 0.6020 0.9310 0.9750 1.0220 0.975030 1.1290 1.1350 1.0640 1.1290 1.1810 1.0440 1.1810 73 0.9400 0.9730 0.6020 0.9400 0.9760 1.0180 0.976031 1.1000 1.1070 1.0900 1.1000 1.1590 1.0460 1.1590 74 0.9510 0.9790 0.6020 0.9510 0.9760 1.0120 0.976032 1.0740 1.0810 1.1140 1.0740 1.1370 1.0480 1.1370 75 0.9620 0.9840 0.6020 0.9620 0.9750 1.0060 0.975033 1.0490 1.0580 1.1340 1.0490 1.1180 1.0490 1.1180 76 0.9750 0.9900 0.6020 0.9750 0.9730 1.0000 0.973034 1.0280 1.0370 1.1500 1.0280 1.0990 1.0510 1.0990 77 0.9880 0.9980 0.6020 0.9880 0.9700 0.9900 0.970035 1.0070 1.0170 1.1610 1.0070 1.0800 1.0520 1.0800 78 1.0030 1.0090 0.6020 1.0030 0.9660 0.9780 0.966036 0.9890 0.9980 1.1660 0.9890 1.0630 1.0530 1.0630 79 1.0200 1.0220 0.6020 1.0200 0.9630 0.9650 0.963037 0.9720 0.9810 1.1660 0.9720 1.0440 1.0530 1.0440 80 1.0400 1.0400 0.6020 1.0400 0.9590 0.9910 0.959038 0.9560 0.9640 1.1590 0.9560 1.0260 1.0540 1.0260 81 1.0620 1.0630 0.6020 1.0620 0.9570 0.9680 0.957039 0.9420 0.9480 1.1460 0.9420 1.0080 1.0540 1.0080 82 1.0890 1.0950 0.6020 1.0890 0.9550 0.9420 0.955040 0.9280 0.9340 1.1280 0.9280 0.9900 1.0540 0.9900 83 1.1190 1.1360 0.6020 1.1190 0.9570 0.9100 0.957041 0.9160 0.9210 1.1050 0.9160 0.9730 1.0530 0.9730 84 1.1560 1.1910 0.6020 1.1560 0.9610 0.8740 0.961042 0.9050 0.9080 1.0790 0.9050 0.9560 1.0530 0.9560 85 1.2000 1.2640 0.6020 1.2000 0.9700 0.8320 0.970043 0.8940 0.8970 1.0500 0.8940 0.9380 1.0520 0.9380 86 1.2160 1.2880 0.6020 1.2160 0.9770 0.8210 0.977044 0.8850 0.8870 1.0190 0.8850 0.9220 1.0510 0.9220 87 1.2240 1.2960 0.6020 1.2240 0.9820 0.8210 0.982045 0.8770 0.8780 0.9860 0.8770 0.9060 1.0480 0.9060 88 1.2320 1.3050 0.6020 1.2320 0.9890 0.8210 0.989046 0.8690 0.8700 0.9530 0.8690 0.8910 1.0460 0.8910 89 1.2400 1.3130 0.6020 1.2400 0.9940 0.8210 0.994047 0.8630 0.8640 0.9210 0.8630 0.8770 1.0430 0.8770 90 1.2480 1.3210 0.6020 1.2480 1.0010 0.8210 1.001048 0.8570 0.8580 0.8900 0.8570 0.8650 1.0400 0.8650 91 1.2560 1.3300 0.6020 1.2560 1.0060 0.8210 1.006049 0.8520 0.8540 0.8600 0.8520 0.8530 1.0360 0.8530 92 1.2640 1.3380 0.6020 1.2640 1.0130 0.8210 1.013050 0.8480 0.8510 0.8330 0.8480 0.8430 1.0320 0.8430 93 1.2720 1.3470 0.6020 1.2720 1.0190 0.8210 1.019051 0.8440 0.8490 0.8080 0.8440 0.8330 1.0280 0.8330 94 1.2800 1.3550 0.6020 1.2800 1.0260 0.8210 1.026052 0.8430 0.8490 0.7850 0.8430 0.8260 1.0240 0.8260 95 1.2890 1.3640 0.6020 1.2890 1.0320 0.8210 1.032053 0.8410 0.8490 0.7640 0.8410 0.8190 1.0190 0.8190 96 1.2970 1.3730 0.6020 1.2970 1.0380 0.8210 1.038054 0.8400 0.8520 0.7460 0.8400 0.8130 1.0140 0.8130 97 1.3050 1.3810 0.6020 1.3050 1.0450 0.8210 1.045055 0.8400 0.8540 0.7310 0.8400 0.8500 1.0080 0.8500 98 1.3140 1.3900 0.6020 1.3140 1.0510 0.8210 1.051056 0.8410 0.8580 0.7180 0.8410 0.8460 1.0030 0.8460 99 1.3220 1.3990 0.6020 1.3220 1.0580 0.8210 1.058057 0.8420 0.8630 0.7060 0.8420 0.8450 0.9970 0.8450



RATING FACTORS



Married Non-Specified Married Non-SpecifiedAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.8150 2.9630 1.7180 2.8150 2.5010 0.8660 2.5010 58 0.8500 0.8340 0.7240 0.8500 0.8150 0.9490 0.815016 2.8150 2.9630 1.7180 2.8150 2.5010 0.8660 2.5010 59 0.8530 0.8390 0.7250 0.8530 0.8130 0.9470 0.813017 2.5100 2.5730 1.4620 2.5100 2.2410 0.8820 2.2410 60 0.8560 0.8440 0.7250 0.8560 0.8500 0.9910 0.850018 2.1720 2.1730 1.2210 2.1720 1.9670 0.8990 1.9670 61 0.8590 0.8520 0.7240 0.8590 0.8500 0.9880 0.850019 1.8980 1.8770 1.0610 1.8980 1.7590 0.9130 1.7590 62 0.8630 0.8600 0.7230 0.8630 0.8490 0.9840 0.849020 1.6730 1.6530 0.9550 1.6730 1.5980 0.9240 1.5980 63 0.8670 0.8690 0.7190 0.8670 0.8500 0.9810 0.850021 1.4870 1.4810 0.8860 1.4870 1.4700 0.9320 1.4700 64 0.8710 0.8780 0.7110 0.8710 0.8510 0.9780 0.851022 1.3310 1.3460 0.8430 1.3310 1.3640 0.9370 1.3640 65 0.8750 0.8870 0.6970 0.8750 0.8520 0.9740 0.852023 1.2530 1.2630 0.8200 1.2530 1.2780 0.9410 1.2780 66 0.8800 0.8980 0.6930 0.8800 0.8540 0.9700 0.854024 1.2050 1.2050 0.8100 1.2050 1.2120 0.9430 1.2120 67 0.8840 0.9080 0.6930 0.8840 0.8550 0.9660 0.855025 1.1630 1.1590 0.8100 1.1630 1.1600 0.9450 1.1600 68 0.8890 0.9190 0.6930 0.8890 0.8570 0.9620 0.857026 1.1270 1.1240 0.8190 1.1270 1.1200 0.9450 1.1200 69 0.8940 0.9290 0.6930 0.8940 0.8590 0.9580 0.859027 1.0960 1.0960 0.8340 1.0960 1.0880 0.9450 1.0880 70 0.8990 0.9400 0.6930 0.8990 0.8600 0.9520 0.860028 1.0690 1.0720 0.8540 1.0690 1.0630 0.9450 1.0630 71 0.9050 0.9510 0.6930 0.9050 0.9010 0.9920 0.901029 1.0450 1.0530 0.8760 1.0450 1.0440 0.9440 1.0440 72 0.9100 0.9610 0.6930 0.9100 0.9040 0.9860 0.904030 1.0240 1.0360 0.9000 1.0240 1.0280 0.9440 1.0280 73 0.9150 0.9710 0.6930 0.9150 0.9050 0.9790 0.905031 1.0060 1.0230 0.9240 1.0060 1.0150 0.9440 1.0150 74 0.9210 0.9810 0.6930 0.9210 0.9060 0.9710 0.906032 0.9890 1.0100 0.9460 0.9890 1.0030 0.9440 1.0030 75 0.9280 0.9910 0.6930 0.9280 0.9080 0.9600 0.908033 0.9740 0.9980 0.9660 0.9740 0.9930 0.9440 0.9930 76 0.9350 1.0010 0.6930 0.9350 0.9110 0.9480 0.911034 0.9600 0.9860 0.9830 0.9600 0.9830 0.9450 0.9830 77 0.9430 1.0110 0.6930 0.9430 0.9140 0.9350 0.914035 0.9470 0.9760 0.9960 0.9470 0.9740 0.9450 0.9740 78 0.9530 1.0230 0.6930 0.9530 0.9190 0.9170 0.919036 0.9360 0.9650 1.0040 0.9360 0.9650 0.9460 0.9650 79 0.9640 1.0360 0.6930 0.9640 0.9250 0.8980 0.925037 0.9250 0.9540 1.0080 0.9250 0.9550 0.9470 0.9550 80 0.9770 1.0510 0.6930 0.9770 0.9340 0.9140 0.934038 0.9140 0.9440 1.0070 0.9140 0.9450 0.9490 0.9450 81 0.9920 1.0680 0.6930 0.9920 0.9470 0.8860 0.947039 0.9060 0.9330 1.0010 0.9060 0.9350 0.9500 0.9350 82 1.0100 1.0900 0.6930 1.0100 0.9630 0.8540 0.963040 0.8970 0.9220 0.9910 0.8970 0.9250 0.9520 0.9250 83 1.0320 1.1170 0.6930 1.0320 0.9850 0.8160 0.985041 0.8900 0.9110 0.9770 0.8900 0.9140 0.9540 0.9140 84 1.0580 1.1510 0.6930 1.0580 1.0150 0.7740 1.015042 0.8830 0.9010 0.9600 0.8830 0.9030 0.9560 0.9030 85 1.0900 1.1950 0.6930 1.0900 1.0540 0.7280 1.054043 0.8760 0.8900 0.9410 0.8760 0.8920 0.9570 0.8920 86 1.1030 1.2110 0.6930 1.1030 1.0680 0.7150 1.068044 0.8700 0.8800 0.9200 0.8700 0.8810 0.9590 0.8810 87 1.1100 1.2180 0.6930 1.1100 1.0750 0.7150 1.075045 0.8650 0.8700 0.8970 0.8650 0.8700 0.9600 0.8700 88 1.1180 1.2270 0.6930 1.1180 1.0820 0.7150 1.082046 0.8600 0.8610 0.8750 0.8600 0.8590 0.9610 0.8590 89 1.1250 1.2340 0.6930 1.1250 1.0890 0.7150 1.089047 0.8560 0.8540 0.8520 0.8560 0.8480 0.9620 0.8480 90 1.1330 1.2430 0.6930 1.1330 1.0950 0.7150 1.095048 0.8520 0.8460 0.8310 0.8520 0.8380 0.9620 0.8380 91 1.1400 1.2510 0.6930 1.1400 1.1030 0.7150 1.103049 0.8500 0.8400 0.8100 0.8500 0.8290 0.9620 0.8290 92 1.1480 1.2590 0.6930 1.1480 1.1100 0.7150 1.110050 0.8480 0.8340 0.7920 0.8480 0.8200 0.9620 0.8200 93 1.1550 1.2670 0.6930 1.1550 1.1170 0.7150 1.117051 0.8460 0.8300 0.7760 0.8460 0.8110 0.9620 0.8110 94 1.1630 1.2760 0.6930 1.1630 1.1240 0.7150 1.124052 0.8450 0.8270 0.7610 0.8450 0.8040 0.9610 0.8040 95 1.1700 1.2840 0.6930 1.1700 1.1310 0.7150 1.131053 0.8450 0.8250 0.7500 0.8450 0.7970 0.9600 0.7970 96 1.1790 1.2920 0.6930 1.1790 1.1390 0.7150 1.139054 0.8450 0.8250 0.7410 0.8450 0.7920 0.9580 0.7920 97 1.1860 1.3010 0.6930 1.1860 1.1460 0.7150 1.146055 0.8460 0.8250 0.7330 0.8460 0.8260 0.9560 0.8260 98 1.1940 1.3090 0.6930 1.1940 1.1540 0.7150 1.154056 0.8470 0.8260 0.7280 0.8470 0.8210 0.9540 0.8210 99 1.2020 1.3180 0.6930 1.2020 1.1610 0.7150 1.161057 0.8480 0.8290 0.7260 0.8480 0.8180 0.9520 0.8180



RATING FACTORS



Status FactorNo Training 1.00

Training 0.95

Distant Student DiscountBI PD PIP UMBI UMPD COMP COLL

Not DS 1.00 1.00 1.00 1.00 1.00 1.00 1.00DS Age 15 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 16 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 17 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 18 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 19 0.81 0.81 0.81 0.81 0.81 0.81 0.81DS Age 20 0.83 0.83 0.83 0.83 0.83 0.83 0.83DS Age 21 0.85 0.85 0.85 0.85 0.85 0.85 0.85DS Age 22 0.87 0.87 0.87 0.87 0.87 0.87 0.87DS Age 23 0.89 0.89 0.89 0.89 0.89 0.89 0.89DS Age 24 0.91 0.91 0.91 0.91 0.91 0.91 0.91DS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Driver Training DiscountBI PD PIP UMBI UMPD COMP COLL

No DT 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 15 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 16 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 17 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 18 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 19 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 20 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 21 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 22 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 23 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 24 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Good Student CreditBI PD PIP UMBI UMPD COMP COLL

No GS 1.00 1.00 1.00 1.00 1.00 1.00 1.00GS Age 15 0.84 0.84 0.84 0.84 0.84 0.84 0.84GS Age 16 0.84 0.84 0.84 0.84 0.84 0.84 0.84GS Age 17 0.86 0.86 0.86 0.86 0.86 0.86 0.86GS Age 18 0.88 0.88 0.88 0.88 0.88 0.88 0.88GS Age 19 0.90 0.90 0.90 0.90 0.90 0.90 0.90GS Age 20 0.92 0.92 0.92 0.92 0.92 0.92 0.92GS Age 21 0.94 0.94 0.94 0.94 0.94 0.94 0.94GS Age 22 0.96 0.96 0.96 0.96 0.96 0.96 0.96GS Age 23 0.98 0.98 0.98 0.98 0.98 0.98 0.98GS Age 24 0.99 0.99 0.99 0.99 0.99 0.99 0.99GS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Defensive Driver Training Credit


RATING FACTORS



LEGACY DISCOUNT RELATIVITIES

AGE BI PD PIP UMBI UMPD COMP COLL15 0.90 0.90 0.90 0.90 0.90 0.90 0.9016 0.90 0.90 0.90 0.90 0.90 0.90 0.9017 0.90 0.90 0.90 0.90 0.90 0.90 0.9018 0.90 0.90 0.90 0.90 0.90 0.90 0.9019 0.90 0.90 0.90 0.90 0.90 0.90 0.9020 0.90 0.90 0.90 0.90 0.90 0.90 0.9021 0.92 0.92 0.92 0.92 0.92 0.92 0.9222 0.94 0.94 0.94 0.94 0.94 0.94 0.9423 0.96 0.96 0.96 0.96 0.96 0.96 0.9624 0.98 0.98 0.98 0.98 0.98 0.98 0.98


RATING FACTORS



0 Points 0 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 58 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000016 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 59 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000017 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 60 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000018 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 61 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000019 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 62 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000020 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 63 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000021 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 64 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000022 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 65 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000023 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 66 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000024 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 67 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000025 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 68 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000026 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 69 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000027 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 70 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000028 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 71 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000029 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 72 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000030 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 73 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000031 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 74 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000032 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 75 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000033 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 76 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000034 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 77 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000035 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 78 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000036 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 79 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000037 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 80 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000038 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 81 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000039 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 82 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000040 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 83 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000041 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 84 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000042 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 85 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000043 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 86 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000044 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 87 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000045 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 88 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000046 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 89 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000047 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 90 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000048 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 91 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000049 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 92 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000050 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 93 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000051 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 94 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000052 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 95 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000053 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 96 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000054 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 97 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000055 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 98 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000056 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 99 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000057 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000

POINT SURCHARGE RELATIVITIES


RATING FACTORS



1 Point 1 PointAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.0603 1.0811 1.0494 1.0098 1.0197 1.0395 1.0197 58 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237516 1.0603 1.0811 1.0494 1.0098 1.0197 1.0395 1.0197 59 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237517 1.0655 1.0915 1.0494 1.0148 1.0296 1.0395 1.0296 60 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237518 1.0707 1.1019 1.0494 1.0197 1.0395 1.0395 1.0395 61 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237519 1.0759 1.1123 1.0494 1.0247 1.0494 1.0395 1.0494 62 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237520 1.0811 1.1227 1.0494 1.0296 1.0593 1.0395 1.0593 63 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237521 1.0998 1.1414 1.0494 1.0474 1.0732 1.0395 1.0732 64 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237522 1.1185 1.1601 1.0494 1.0652 1.0870 1.0395 1.0870 65 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237523 1.1372 1.1788 1.0494 1.0831 1.1009 1.0395 1.1009 66 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237524 1.1559 1.1975 1.0494 1.1009 1.1147 1.0395 1.1147 67 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237525 1.1746 1.2162 1.0494 1.1187 1.1286 1.0395 1.1286 68 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237526 1.1799 1.2204 1.0494 1.1237 1.1326 1.0395 1.1326 69 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237527 1.1850 1.2245 1.0494 1.1286 1.1365 1.0395 1.1365 70 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237528 1.1903 1.2287 1.0494 1.1336 1.1405 1.0395 1.1405 71 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237529 1.1954 1.2328 1.0494 1.1385 1.1444 1.0395 1.1444 72 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237530 1.2007 1.2370 1.0494 1.1435 1.1484 1.0395 1.1484 73 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237531 1.2058 1.2412 1.0494 1.1484 1.1524 1.0395 1.1524 74 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237532 1.2111 1.2453 1.0494 1.1534 1.1563 1.0395 1.1563 75 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237533 1.2162 1.2495 1.0494 1.1583 1.1603 1.0395 1.1603 76 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237534 1.2215 1.2536 1.0494 1.1633 1.1642 1.0395 1.1642 77 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237535 1.2266 1.2578 1.0494 1.1682 1.1682 1.0395 1.1682 78 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237536 1.2319 1.2599 1.0494 1.1732 1.1722 1.0395 1.1722 79 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237537 1.2360 1.2620 1.0494 1.1771 1.1751 1.0395 1.1751 80 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237538 1.2412 1.2640 1.0494 1.1821 1.1791 1.0395 1.1791 81 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237539 1.2453 1.2661 1.0494 1.1860 1.1821 1.0395 1.1821 82 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237540 1.2506 1.2682 1.0494 1.1910 1.1860 1.0395 1.1860 83 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237541 1.2547 1.2703 1.0494 1.1949 1.1890 1.0395 1.1890 84 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237542 1.2599 1.2723 1.0494 1.1999 1.1930 1.0395 1.1930 85 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237543 1.2640 1.2744 1.0494 1.2038 1.1959 1.0395 1.1959 86 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237544 1.2693 1.2765 1.0494 1.2088 1.1999 1.0395 1.1999 87 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237545 1.2734 1.2786 1.0494 1.2128 1.2029 1.0395 1.2029 88 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237546 1.2786 1.2807 1.0494 1.2177 1.2068 1.0395 1.2068 89 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237547 1.2827 1.2827 1.0494 1.2217 1.2098 1.0395 1.2098 90 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237548 1.2880 1.2848 1.0494 1.2266 1.2137 1.0395 1.2137 91 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237549 1.2921 1.2869 1.0494 1.2306 1.2167 1.0395 1.2167 92 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237550 1.2973 1.2890 1.0494 1.2355 1.2207 1.0395 1.2207 93 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237551 1.3015 1.2911 1.0494 1.2395 1.2236 1.0395 1.2236 94 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237552 1.3067 1.2931 1.0494 1.2444 1.2276 1.0395 1.2276 95 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237553 1.3109 1.2952 1.0494 1.2484 1.2306 1.0395 1.2306 96 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237554 1.3160 1.2973 1.0494 1.2533 1.2345 1.0395 1.2345 97 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237555 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375 98 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237556 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375 99 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237557 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375



RATING FACTORS






RATING FACTORS


VEHICLE RATING FACTORS

PPV LIABILITY SYMBOL RELATIVITIESSYMBOL BI PD SYMBOL PIP

0 0.9800 0.9800 0 0.9000215 0.7000 0.7000 415 0.7500220 0.7000 0.7000 420 0.7500225 0.7000 0.7000 425 0.7500230 0.7000 0.7000 430 0.7500235 0.7000 0.7000 435 0.8000240 0.8000 0.8000 440 0.8000245 0.8000 0.8000 445 0.8000250 0.8000 0.8000 450 0.8000255 0.8000 0.8000 455 0.8000260 0.8000 0.8000 460 0.8000265 0.8500 0.8500 465 0.8000270 0.8500 0.8500 470 0.9000275 0.8500 0.8500 475 0.9500280 0.8500 0.8500 480 0.9745285 0.9000 0.9000 485 1.0000290 0.9500 0.9500 490 1.0262295 1.0000 1.0000 495 1.0531300 1.0000 1.0000 500 1.0807305 1.0000 1.0000 505 1.1091310 1.0800 1.0800 510 1.1382315 1.1200 1.1200 515 1.1680320 1.1500 1.1500 520 1.1986325 1.1500 1.1500 525 1.2301330 1.2000 1.2000 530 1.2623335 1.2000 1.2000 535 1.2623340 1.2000 1.2000 540 1.2623345 1.2000 1.2000 545 1.2623350 1.2500 1.2500 550 1.2623355 1.2500 1.2500 555 1.2623360 1.2500 1.2500 560 1.2623365 1.2500 1.2500 565 1.3600370 1.2500 1.2500 570 1.4600375 1.2500 1.2500 575 1.5600380 1.2500 1.2500 580 1.6600385 1.8500 1.8500 585 1.7600390 1.9000 1.9000 590 1.9000999 0.9800 0.9800 999 0.9000

MILEAGE BI PD PIP UMBI UMPD COMP COLL<=3000 0.80 0.80 0.80 0.80 0.80 0.80 0.80

3001 to 5000 0.85 0.85 0.85 0.85 0.85 0.85 0.855001 to 7500 0.90 0.90 0.90 0.90 0.90 0.90 0.907501 to 9000 0.95 0.95 0.95 0.95 0.95 0.95 0.95

PPV Comprehensive Anti-Theft CreditActive, Passive, or Alarm Only 0.98 Status BI PD PIP UMBI UMPDAll Other (no anti-theft device) 1.00 Y 1.20 1.20 1.20 1.20 1.20

N 1.00 1.00 1.00 1.00 1.00

PPV LOW MILEAGE DISCOUNT RELATIVITIES

LIABILITY ONLY DISCOUNT RELATIVITIES


RATING FACTORS



RAPA symbol 1 RAPA symbol 2Model years 1981 and newer Model years 1981 and newer

First SYMBOL COMP COLLDigit of A 0.6340 0.6900Symbol COMP COLL B 0.6830 0.7200

1 12,500 A 0.7000 0.5500 C 0.7330 0.793012,501 13,750 B 0.7900 0.7444 D 0.8000 0.842013,751 15,000 C 0.8189 0.7800 E 0.8330 0.878015,001 17,500 D 0.8921 0.8628 F 0.9207 0.902017,501 18,750 E 0.9356 0.8628 G 0.9399 0.927018,751 20,000 F 0.9356 0.9289 H 0.9662 0.951020,001 22,000 G 0.9905 0.9289 J 0.9863 0.976022,001 24,000 H 0.9905 0.9700 K 1.0000 1.000024,001 30,000 J 1.0000 1.0000 L 1.0209 1.024030,001 33,000 K 1.1534 1.0000 M 1.0350 1.036133,001 36,000 L 1.1534 1.0750 N 1.0566 1.064036,001 45,000 M 1.2600 1.0966 P 1.0713 1.083045,001 80,000 N 1.7000 1.3000 R 1.0936 1.112280,001 P T 1.1242 1.1830

U 1.1556 1.2320V 1.1878 1.2930

1980 and older W 1.2295 1.3660Stated Stated X 1.2813 1.4128

Amount Amount Y 1.3200 1.4569Min Max Symbol COMP COLL Z 1.4000 1.5542

0 1600 1 0.2795 0.3592 0 1.4000 1.65901601 2100 2 0.3043 0.3873 1 1.4500 1.73202101 2750 3 0.3292 0.4155 2 1.5813 1.80502751 3700 4 0.3540 0.4437 3 1.6708 1.87803701 5000 5 0.3789 0.4718 4 1.7655 1.95105001 6500 6 0.4037 0.5000 5 1.8783 2.02406501 8000 7 0.4286 0.5282 6 1.9984 2.09808001 10000 8 0.4783 0.5704 7 2.1262 2.1710

10001 12500 10 0.5404 0.6338 8 2.2777 2.244012501 15000 11 0.6211 0.7042 9 2.4910 2.320015001 17500 12 0.6832 0.753517501 20000 13 0.7888 0.831020001 24000 14 0.8820 0.922524001 28000 15 1.0000 1.000028001 33000 16 1.1615 1.084533001 39000 17 1.3665 1.190139001 46000 18 1.5528 1.274646001 55000 19 1.8509 1.387355001 65000 20 2.1180 1.485965001 999,999 21 2.5776 1.6620

PPV PHYSICAL DAMAGE RELATIVITIES

MSRP/Stated Amount if

Classic Min

MSRP/Stated Amount if

Classic Max


RATING FACTORS


VEHICLE RATING FACTORSVehicle Age Relativities

Age BI PD PIP UMBI UMPD COMP COLL0 1.00 1.00 1.00 1.00 1.00 1.00 1.001 1.00 1.00 1.00 1.00 1.00 1.00 1.002 1.00 1.00 1.00 1.00 1.00 1.00 1.003 1.00 1.00 1.00 1.00 1.00 1.00 1.004 1.00 1.00 1.00 1.00 1.00 1.00 1.005 1.00 1.00 1.00 1.00 1.00 1.00 1.006 1.00 1.00 1.00 1.00 1.00 1.00 1.007 1.00 1.00 1.00 1.00 1.00 1.00 1.008 1.00 1.00 1.00 1.00 1.00 1.00 1.009 1.00 1.00 1.00 1.00 1.00 1.00 1.00

10 1.00 1.00 1.00 1.00 1.00 1.00 1.0011 1.00 1.00 1.00 1.00 1.00 1.00 1.0012 1.00 1.00 1.00 1.00 1.00 1.00 1.0013 1.00 1.00 1.00 1.00 1.00 1.00 1.0014 1.00 1.00 1.00 1.00 1.00 1.00 1.0015 1.00 1.00 1.00 1.00 1.00 1.00 1.0016 1.00 1.00 1.00 1.00 1.00 1.00 1.0017 1.00 1.00 1.00 1.00 1.00 0.95 1.0018 1.00 1.00 1.00 1.00 1.00 0.95 1.0019 1.00 1.00 1.00 1.00 1.00 0.95 1.0020 1.00 1.00 1.05 1.00 1.00 0.95 1.0021 1.00 1.00 1.08 1.00 1.00 0.95 1.0022 1.00 1.00 1.08 1.00 1.00 0.95 1.0023 1.00 1.00 1.10 1.00 1.00 0.95 1.0024 1.00 1.00 1.13 1.00 1.00 0.95 1.0025 1.00 1.00 1.15 1.00 1.00 0.95 1.0026 1.00 1.00 1.18 1.00 1.00 0.95 1.0027 1.00 1.00 1.20 1.00 1.00 0.95 1.0028 1.00 1.00 1.23 1.00 1.00 0.95 1.0029 1.00 1.00 1.25 1.00 1.00 0.95 1.0030 1.00 1.00 1.28 1.00 1.00 0.95 1.0031 1.00 1.00 1.30 1.00 1.00 0.95 1.0032 1.00 1.00 1.33 1.00 1.00 0.95 1.0033 1.00 1.00 1.33 1.00 1.00 0.95 1.0034 1.00 1.00 1.33 1.00 1.00 0.95 1.0035 1.00 1.00 1.33 1.00 1.00 0.95 1.0036 1.00 1.00 1.33 1.00 1.00 0.95 1.00

>=37 1.00 1.00 1.35 1.00 1.00 0.95 1.00

StatusY 100 1.630 250 1.205N 250 1.220 500 1.000

500 1.000 750 0.915750 0.878 1,000 0.820

Status 1,000 0.740 1,500 0.780Y 1,500 0.695 2,000 0.723N 2,000 0.573 2,500 0.663

2,500 0.560 5,000 0.5505,000 0.550

1.051.00

PPV Vehicle Replacement/UpgradeFactor1.05

Comprehensive CollisionDEDUCTIBLE RELATIVITIES

1.00

Diminishing DeductibleFactor


RATING FACTORS



MODEL YEAR RELATIVITIESMODEL YR BI PD PIP UMBI UMPD COMP COLL1980 & Prior 0.5260 0.6710 0.3900 1.0000 1.0000 0.3290 0.2730

1981 0.5260 0.6710 0.3900 1.0000 1.0000 0.3390 0.27301982 0.5260 0.6710 0.4100 1.0000 1.0000 0.3450 0.27301983 0.5260 0.6710 0.4400 1.0000 1.0000 0.3480 0.27301984 0.5260 0.6710 0.4600 1.0000 1.0000 0.3520 0.27301985 0.5260 0.6710 0.4800 1.0000 1.0000 0.3520 0.27301986 0.5260 0.6710 0.5000 1.0000 1.0000 0.3520 0.27301987 0.5660 0.6860 0.5200 1.0000 1.0000 0.3520 0.27301988 0.6040 0.7020 0.5300 1.0000 1.0000 0.3520 0.27301989 0.6410 0.7190 0.6200 1.0000 1.0000 0.3520 0.27301990 0.6760 0.7360 0.7000 1.0000 1.0000 0.3520 0.27301991 0.7090 0.7550 0.7200 1.0000 1.0000 0.3520 0.27301992 0.7400 0.7740 0.7900 1.0000 1.0000 0.3520 0.27301993 0.7680 0.7940 0.8300 1.0000 1.0000 0.3520 0.27301994 0.7950 0.8140 0.8900 1.0000 1.0000 0.3520 0.27301995 0.8190 0.8350 0.9200 1.0000 1.0000 0.3520 0.27301996 0.8410 0.8550 0.9600 1.0000 1.0000 0.3520 0.27301997 0.8610 0.8750 0.9900 1.0000 1.0000 0.3680 0.27301998 0.8790 0.8940 1.0000 1.0000 1.0000 0.3950 0.27301999 0.8960 0.9130 1.0000 1.0000 1.0000 0.4170 0.29802000 0.9110 0.9300 1.0000 1.0000 1.0000 0.4510 0.32902001 0.9260 0.9470 1.0000 1.0000 1.0000 0.4860 0.36702002 0.9400 0.9610 1.0000 1.0000 1.0000 0.5250 0.41102003 0.9540 0.9740 1.0000 1.0000 1.0000 0.5490 0.46202004 0.9690 0.9850 1.0000 1.0000 1.0000 0.5730 0.51402005 0.9840 0.9930 1.0000 1.0000 1.0000 0.6120 0.57902006 1.0000 0.9980 1.0000 1.0000 1.0000 0.6540 0.64802007 1.0000 1.0000 1.0000 1.0000 1.0000 0.6900 0.71702008 1.0000 1.0000 1.0000 1.0000 1.0000 0.7300 0.78602009 1.0000 1.0000 1.0000 1.0000 1.0000 0.7720 0.83902010 1.0000 1.0000 1.0000 1.0000 1.0000 0.8190 0.87702011 1.0000 1.0000 1.0000 1.0000 1.0000 0.8720 0.91602012 1.0000 1.0000 1.0000 1.0000 1.0000 0.9340 0.95702013 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 1.0000 1.0000 1.0000 1.0000 1.0000 1.0660 1.04902015 1.0000 1.0000 1.0000 1.0000 1.0000 1.1300 1.09102016 1.0000 1.0000 1.0000 1.0000 1.0000 1.1960 1.13702017 1.0000 1.0000 1.0000 1.0000 1.0000 1.2610 1.18302018 1.0000 1.0000 1.0000 1.0000 1.0000 1.3290 1.23002019 1.0000 1.0000 1.0000 1.0000 1.0000 1.4010 1.27902020 1.0000 1.0000 1.0000 1.0000 1.0000 1.4770 1.3300

PPV Usage RelativitiesMilage BI PD PIP UMBI UMPD COMP COLL

Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.00< 15 Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.0015 + Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00Business 1.20 1.20 1.20 1.20 1.20 1.20 1.20Farm 0.90 0.90 0.90 0.90 0.90 0.90 0.90


RATING FACTORS



MH ACTUAL CASH VALUE SYMBOL RELS MH ACTUAL CASH VALUE SYMBOL RELSSYM COMP COLL SYM COMP COLL

1 1 1,000 0.290 0.330 51 115,001 120,000 1.670 1.7402 1,001 2,000 0.290 0.330 52 120,001 125,000 1.720 1.7903 2,001 3,000 0.290 0.330 53 125,001 130,000 1.760 1.8704 3,001 4,000 0.290 0.330 54 130,001 135,000 1.810 1.9505 4,001 5,000 0.290 0.330 55 135,001 140,000 1.850 2.0206 5,001 6,000 0.290 0.330 56 140,001 145,000 1.900 2.1007 6,001 7,000 0.290 0.330 57 145,001 150,000 1.940 2.1808 7,001 8,000 0.290 0.330 58 150,001 155,000 1.980 2.2609 8,001 9,000 0.290 0.330 59 155,001 160,000 2.030 2.340

10 9,001 10,000 0.290 0.330 60 160,001 165,000 2.070 2.41011 10,001 11,000 0.290 0.330 61 165,001 170,000 2.120 2.44912 11,001 12,000 0.290 0.330 62 170,001 175,000 2.160 2.57013 12,001 13,000 0.290 0.330 63 175,001 180,000 2.280 2.59014 13,001 14,000 0.290 0.330 64 180,001 185,000 2.390 2.60015 14,001 15,000 0.290 0.330 65 185,001 190,000 2.510 2.62016 15,001 16,000 0.320 0.360 66 190,001 195,000 2.620 2.63017 16,001 17,000 0.320 0.360 67 195,001 200,000 2.740 2.65018 17,001 18,000 0.320 0.360 68 200,001 205,000 2.850 2.66019 18,001 20,000 0.360 0.390 69 205,001 210,000 2.970 2.69020 20,001 22,000 0.380 0.410 70 210,001 215,000 3.080 2.70021 22,001 24,000 0.400 0.430 71 215,001 220,000 3.200 2.71022 24,001 26,000 0.410 0.460 72 220,001 225,000 3.310 2.72023 26,001 27,000 0.420 0.470 73 225,001 230,000 3.390 2.73024 27,001 29,000 0.430 0.490 74 230,001 235,000 3.460 2.74025 29,001 31,000 0.440 0.510 75 235,001 240,000 3.540 2.75026 31,001 33,000 0.450 0.530 76 240,001 245,000 3.610 2.76027 33,001 35,000 0.460 0.560 77 245,001 250,000 3.690 2.77028 35,001 37,000 0.470 0.580 78 >250,00029 37,001 39,000 0.490 0.600 each additional $5,000 +0.05 +0.03530 39,001 41,000 0.500 0.63031 41,001 43,000 0.520 0.65032 43,001 45,000 0.570 0.68033 45,001 47,000 0.610 0.69034 47,001 49,000 0.620 0.72035 49,001 52,000 0.640 0.75036 52,001 55,000 0.670 0.79037 55,001 58,000 0.690 0.81038 58,001 61,000 0.750 0.88039 61,001 64,000 0.750 0.88040 64,001 67,000 0.810 0.88041 67,001 70,000 0.810 0.88042 70,001 75,000 0.900 1.04043 75,001 80,000 1.000 1.10044 80,001 85,000 1.090 1.16045 85,001 90,000 1.140 1.30046 90,001 95,000 1.310 1.42047 95,001 100,000 1.490 1.56048 100,001 105,000 1.540 1.61049 105,001 110,000 1.580 1.65050 110,001 115,000 1.630 1.700

VALUE RANGE VALUE RANGE


RATING FACTORS



VEH AGE COMP COLL COVERAGE REL0 0.620 0.890 BI 0.5131 0.670 0.890 PD 0.3502 0.680 0.940 PIP 0.4013 0.740 0.940 UMBI 0.5734 0.800 1.010 UMPD 0.4285 0.860 1.050 COMP 1.4016 1.010 1.120 COLL 0.8347 1.010 1.1308 1.110 1.1509 1.110 1.180

10 1.110 1.18011 1.210 1.00012 1.210 1.00013 1.210 1.00014 1.210 1.00015 1.210 1.00016 1.310 0.70017 1.310 0.70018 1.310 0.70019 1.310 0.700

20-99 1.310 0.700

MH VEHICLE AGE SYMBOLS MH DISCOUNT FACTORS


RATING FACTORS



TRAILER ACTUAL CASH VALUE SYMBOL RELSSYM COMP COLL SYM COMP COLL

1 1 3,000 0.450 0.340 0 1.000 1.0002 3,001 5,000 0.580 0.400 1 1.050 0.8003 5,001 7,000 0.720 0.470 2 1.100 0.8004 7,001 9,000 0.790 0.550 3 1.150 0.8005 9,001 11,000 0.850 0.630 4 1.170 0.8006 11,001 13,000 0.900 0.720 5 1.200 0.8007 13,001 15,000 0.940 0.810 6 1.250 0.7508 15,001 17,000 0.990 0.900 7 1.350 0.7509 17,001 19,000 1.010 1.000 8 1.400 0.700

10 19,001 21,000 1.070 1.110 9 1.400 0.66011 21,001 23,000 1.130 1.220 10 1.400 0.63012 23,001 25,000 1.170 1.270 11 1.400 0.60013 25,001 27,000 1.220 1.320 12 1.400 0.60014 27,001 29,000 1.260 1.390 13 1.400 0.60015 29,001 31,000 1.300 1.540 14 1.400 0.60016 31,001 33,000 1.330 1.630 15 1.400 0.55017 33,001 35,000 1.360 1.730 16-99 1.200 0.50018 35,001 37,000 1.390 1.81019 37,001 39,000 1.420 1.88020 39,001 41,000 1.450 1.96021 41,001 43,000 1.490 2.030 REL22 43,001 45,000 1.540 2.110 0.20423 45,001 47,000 1.600 2.180 0.54624 47,001 49,000 1.650 2.25025 49,001 51,000 1.700 2.32026 51,001 53,000 1.750 2.39027 53,001 55,000 1.800 2.43028 55,001 57,000 1.850 2.49029 57,001 59,000 1.900 2.55030 59,001 61,000 1.950 2.61031 61,001 65,000 1.950 2.68032 65,001 70,000 1.970 2.72033 70,001 75,000 1.990 2.75034 75,001 80,000 2.050 2.80535 80,001 85,000 2.110 2.86036 85,001 90,000 2.170 2.91537 90,001 95,000 2.230 2.97038 95,001 100,000 2.290 3.02539 >100000

Each additional $5,000 +.06 +.055

COVERAGECOMPCOLL

VALUE RANGETRAILER VEHICLE AGE SYMBOLS

TRAILER DISCOUNT FACTORS


RATING FACTORS



RELCOVERAGE REL 0.150

BI 1.000 0.150PD 1.000 0.150PIP 1.000 0.150

UMBI 1.000COMP 1.000COLL 2.000

Rate perCOV DED $100Comp 0 0.43Comp 50 0.31

REL Coll 100 0.240.061 Coll 200 0.170.0430.0200.076UMBI

RESTRICTED USE DISCOUNT FACTORS

ANTIQUE DISCOUNT FACTORSCOVERAGE

BIPDPIP

PIP

UMBI

ANTIQUE PHYSICAL DAMAGE

NON-OWNED DISCOUNT FACTORSCOVERAGE

BIPD

OREGON MUTUAL INSURANCE COMPANY CUSTOM SHIELD … · 2019-02-12 · oregon mutual insurance company...

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