Consumer’s Guide to Auto Insurance Rates

Barbara D. Richardson, Commissioner

Brian Sandoval, Governor C.J. Manthe, Director

2017-2018 Edition

Insurance Commissioner’s Message

Dear Fellow Nevadan:

I am pleased to present the 2017-2018 Nevada Consumer’s Guide to Auto Insurance Rates. This guide is intended to assist Nevada consumers when shopping for a new personal auto insurance policy.

As the Commissioner of Insurance, here in the great state of Nevada, I encourage every Nevada consumer to shop for a new auto insurance policy each year, prior to renewal, to see the many options that are available on the auto insurance market.

It is easy to continue renewing a personal auto insurance policy without looking at other options available on the market, but because we have seen tremendous changes in the personal auto insurance policy options, due to new protections and built-in safety features of new vehicles, we strongly encourage everyone to shop around. We have also seen an increase in the opportunity for consumers to use telematics in their vehicles as a way to combat premium increases based on driving habits.

The Nevada personal auto insurance market is very competitive with well over 140 companies offering personal auto policies in the State. With all of these options we know it can be overwhelming to shop for a new policy. It is my hope that this guide will be helpful as you consider the product that best suits your and/or your family’s needs, including premium payment amounts, coverage amounts and services provided by each insurance carrier.

Sincerely,

Barbara D. Richardson Commissioner of Insurance

BRIAN SANDOVAL Governor

STATE OF NEVADA C.J. MANTHE Director

BARBARA D. RICHARDSON

Commissioner

DEPARTMENT OF BUSINESS AND INDUSTRY

DIVISION OF INSURANCE

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Nevada Consumer’s Guide to Auto Insurance Rates About This Guide Shopping for auto insurance is not easy. It takes time and effort and can be confusing. This booklet is designed both to assist you in shopping for auto insurance and to help you understand your personal auto policy. Since automobile insurance rates are based on each individual’s unique circumstances, it is impossible in a booklet like this to list the various prices different companies would charge you for automobile insurance. Instead, this booklet takes the approach of listing several hypothetical personal circumstances as a context within which you may be able to get a reasonable idea of what various insurance companies may charge you for insurance. It is important to keep in mind that there are other factors to consider besides price when buying insurance, such as the level of service provided. The premium prices in this booklet are based on data supplied by the insurance companies listed. Your premium will vary depending on the coverage you choose, your driving record, the type of vehicle you drive, your age and other information. You may also choose to contact companies who are not listed in the rating examples provided. Near the end of this booklet is an alphabetical list of all companies that wrote business for private passenger personal automobile insurance in Nevada during 2016. Also near the end of this booklet is the Vehicle Insurance Shopping List, which may help you to compare several companies at one time. How to Use This Guide To use this booklet, select the example with circumstances that most closely resemble your own and then choose a ZIP code location near you. The lowest premiums are designated in bold numbers, the highest premiums by bold italic numbers. These examples are only intended to illustrate the difference in premiums. Also, please note that some of the companies listed may only offer policies to members of certain affinity groups or organizations. Again, your premium is likely to differ from the amount stated, depending upon your varying risk factors as mentioned above. Lastly, if you are viewing this guide electronically, notice that the table of contents is hyperlinked to direct you to specific sections of the guide – just click on the topic you wish to review. Check Before You Write a Check It is important to verify that your auto policy is issued by a licensed and authorized Nevada insurance agent and company. Be wary of people who attempt to sell phony auto insurance. If you purchase insurance from an unlicensed or non-existent insurance company, you may not have coverage needed when a claim arises. To verify that the insurance agent or company with whom you are dealing is indeed licensed and authorized to offer insurance in Nevada, please visit our online “License Look-up Tool” at doi.nv.gov or you can call 888-872-3234. You can also verify a license using the Division’s smartphone app NDOI Connect which is available through Google Play. Nevada Insurance Commissioner Barbara D. Richardson urges you to “check before you write a check.” We hope this booklet meets your needs. If we can assist you in any way, contact information for the Division of Insurance can be found on the following page.

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Contact Information

As the ultimate consumer protection agency on insurance issues, the Nevada Division of Insurance exists to serve you. We can be a source of unbiased information and assistance to you. If you do not understand any part of your insurance policy, please feel free to contact us. If you have a complaint against an insurer, it is always best to contact your insurer first to attempt to settle the matter. Most insurers have policyholder service officers to handle such questions. If you still are not satisfied, contact the Nevada Division of Insurance, where a Consumer Services representative will help you with your problem. Although they cannot represent you legally against any insurer or adjuster, our Consumer Services representatives can appropriately investigate potential violations of insurance law or regulations based upon your complaint. You can file a complaint, verify a license, contact the Division and more with the Division’s smartphone app NDOI Connect which is available through Google Play. Contact our Consumer Services section as follows:

Northern Nevada Southern Nevada State of Nevada State of Nevada Department of Business & Industry Department of Business & Industry Division of Insurance Division of Insurance 1818 College Pkwy., Suite 103 3300 W. Sahara Ave., Suite 275 Carson City, Nevada 89706-7986 Las Vegas, Nevada 89102-3203 (775) 687-0700 (702) 486-4009 Toll Free in Nevada: (888) 872-3234 Toll Free in Nevada: (888) 872-3234

E-mail: cscc@doi.nv.gov

Division of Insurance on the Web

http://doi.nv.gov

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New Auto Insurance Minimum Liability Limits

You should know about a change in Nevada law that could affect you. In 2017, the Nevada Legislature passed Senate Bill 308: https://www.leg.state.nv.us/Session/79th2017/Bills/SB/SB308_EN.pdf. This bill changes the mandatory automobile liability insurance limits from $15,000/$30,000/$10,000 to $25,000/$50,000/$20,000. The law will be effective July 1, 2018. If you currently have minimum limits, you need to contact your insurance company or insurance agent to discuss the new statutory minimum limits.

In addition, if you currently have the optional uninsured/underinsured motorist’s coverage at limits lower than the new minimum liability limits, these limits will also have to change on July 1, 2018 to $25,000/$50,000. However, this is an optional coverage and you have the choice of increasing the limits to the new liability limits or rejecting this protection. In both instances described above, there is a real potential for your auto insurance premium to increase due to the increased coverage limits. Please contact your insurance company or insurance agent to discuss the premium impact on your policy from the changing limits.

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Table of Contents Acknowledgements ..................................................................................................................... 6

Introduction ................................................................................................................................... 7

The Need for Automobile Insurance ........................................................................................... 7

An Auto Insurance Policy ............................................................................................................ 7

Common Terms Related To Personal Automobile Insurance .................................................. 8

Buying Automobile Insurance ................................................................................................... 10

Underwriting and Rating ........................................................................................................... 10

Information Commonly Requested By Insurers for Rating ................................................... 13

Credit-Based Insurance Scoring ................................................................................................ 14

Discounts ...................................................................................................................................... 15

Financial Responsibility ............................................................................................................. 17

Liability Insurance ...................................................................................................................... 18

Physical Damage Coverage ........................................................................................................ 19

Uninsured/Underinsured Motorist Coverage........................................................................... 20

Other Optional Coverages ......................................................................................................... 20

Operator’s Policy ........................................................................................................................ 22

Other Helpful Information ......................................................................................................... 22

Smart Shopping ........................................................................................................................... 24

Seek Unbiased Information ........................................................................................................ 24

Price Quotes ................................................................................................................................. 24

For Your Protection .................................................................................................................... 25

Payment of Insurance Premiums .............................................................................................. 26

Mid-Term Cancellation of Your Policy .................................................................................... 27

Frequently Asked Questions ...................................................................................................... 28

Rate Comparisons ....................................................................................................................... 30

Rating Examples ......................................................................................................................... 31

List of Insurers Offering Auto Insurance in Nevada ............................................................. 113

Vehicle Insurance Shopping List ............................................................................................. 115

Vehicle Accident Guide ............................................................................................................ 116

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Acknowledgements Cover photo: Las Vegas freeway intersection of Interstate 15, Interstate 515, U.S. Route 93 and U.S. Route 95; provided by the Nevada Department of Transportation. The Division of Insurance also would like to acknowledge the following insurance companies for their participation and rate information, which is the backbone of this Auto Guide: Allstate Fire & Casualty Insurance Company, Allstate Indemnity Company, American Access Casualty Company, American Family Insurance Company, CSAA General Insurance Company, Encompass Home and Auto Insurance Company, Esurance Property & Casualty Insurance Company, Farmers Insurance Exchange, Garrison Property & Casualty Insurance Company, GEICO Advantage Insurance Company, GEICO Choice Insurance Company, GEICO Secure Insurance Company, Hartford Accident and Indemnity Company, Hartford Insurance Company of the Midwest, Key Insurance Company, Liberty Mutual General Insurance Company, Loya Insurance Company, Nevada Capital Insurance Company, Nevada Direct Insurance Company, Nevada General Insurance Company, Primero Insurance Company, Progressive Direct Insurance Company, Progressive Northern Insurance Company, Safeco Insurance Company of Illinois, Standard Fire Insurance Company, State Farm Fire & Casualty Company, State Farm Mutual Automobile Insurance Company, Trumbull Insurance Company, Twin City Fire Insurance Company, United Services Automobile Association, USAA Casualty Insurance Company and USAA General Indemnity Company.

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Introduction Auto insurance is an expensive, but necessary, purchase for most Americans. This guide provides information to consumers on how to make decisions that can lower the cost of their automobile insurance and increase the value they receive. A 2016 National Association of Insurance Commissioners (NAIC) report found that, across the U.S. in 2014, the average premium people paid for private passenger auto insurance was $866 for each vehicle insured for one year. Nevada, by comparison, had an average premium per vehicle of $970 annually.1 It goes without saying that automobile insurance is an important purchase for most consumers. To get the best buy for your money, you must take responsibility for your auto insurance purchase and make your decisions wisely. Hopefully, this guide will give you the tools you need to make this important decision.

The Need for Automobile Insurance Auto insurance is an important purchase for most drivers. There are three main reasons to buy auto insurance. To comply with Nevada state laws: The state of Nevada has mandatory auto liability insurance requirements, subject to minimum limits that are described later in this guide. If an automobile is driven without insurance, the driver could be fined, and the vehicle could be impounded. To satisfy lenders: If a vehicle owner has a car loan, most lenders require full insurance to protect their interest in the car. If the auto insurance lapses, the lender will likely add insurance to the loan and insure the car for a much higher premium and much less coverage than the policy purchased by the vehicle owner. The lender can require payment of this higher premium until independent insurance is purchased by the vehicle owner. To protect assets: Auto insurance can provide bodily injury and property damage liability coverage for accidents which involve others and for which the driver is responsible. Liability insurance will also pay the cost of an attorney to protect the driver if the driver is sued. It is important to know that the amount that may be paid under the auto insurance policy is subject to the policy limits selected for that policy. Additional information is described later in this guide.

An Auto Insurance Policy An auto insurance policy issued by an insurance company will have several parts.

• The declarations/information page includes the policy number, the effective dates, the details of the cars covered on the policy, the lien holder (if there is a loan on the car), the coverages, coverage limits, associated premium, risk classifications and any discounts or surcharges. It is also going to list where the car is garaged and contact details for your

1 2016 National Association of Insurance Commissioners: 2010-2014 Auto Insurance Database Report

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insurance company and agent. The declaration page may also contain information on any traffic violations in the last 36 months that may have impacted the premium.

It is important to verify that all personal information, the type and amount of coverage, and vehicle information (make, model, year, and manufacturer) are accurate. Any discrepancies in this information can adversely affect the premium and should be communicated to the insurance agent or the company immediately. If the declaration page has a list of discounts applied towards calculation of the premium, it is important to review these discounts to ensure that no applicable discounts are omitted.

• The personal auto policy or policy form. This will be several pages long and will detail in specific language what is covered, how those coverages are defined, the conditions of the policy and if there are any exclusions. This may also include exception pages that revise/change/modify the policy form. Some companies customize their policy forms to match the coverages in a specific policy, while others list all available coverages. The declarations/information page details which coverages were purchased.

Read the auto policy carefully to understand all coverages and exclusions. If there are questions about the insurance policy, contact the insurance agent or company.

• At least one copy of an insurance card should be included as proof of coverage. It is important to keep this card in the car, as Nevada law requires the production of this card when requested by law enforcement. Many insurers also offer an electronic version of the insurance card which can be produced on a mobile device such as your smartphone when requested by law enforcement.

Common Terms Related To Personal Automobile Insurance

The following terms are important to know when shopping for automobile insurance: Bodily Injury/Property Damage Liability – Nevada law requires that you carry liability insurance. These coverages protect you if you injure someone else or damage someone else’s property while operating your vehicle. This coverage would pay damages on your behalf to the injured party. To activate these coverages, you must be legally liable for the injuries or damages. Collision – This coverage protects against damage to your vehicle resulting from a collision, regardless of who is at fault. It provides for repair of the damage to your vehicle or a monetary payment to indemnify you for your loss. If the other driver is at fault, your insurance company may have a legal right to seek reimbursement from the other driver or the other driver’s insurance company for payments made to you under this coverage. Comprehensive – This insures you against theft or other damage to your vehicle resulting from causes other than collision. This can include wind damage, falling objects, fire, flood and vandalism. Collision and comprehensive coverages are subject to a deductible that you, as the insured, would select. Other coverages that may be sold include towing, rental/reimbursement and mechanical breakdown.

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Credit-Based Insurance Scores – A credit-based insurance score, sometimes known simply as an insurance score, is a number, based on certain aspects of your credit history that is used by some insurance companies to help determine your insurance premium. The credit-based insurance score has no relationship to credit scores used by lenders (such as the FICO credit score) that are typically used to evaluate the credit-worthiness of a borrower. Many insurers use their own methods to determine your credit-based insurance score, which means there can be a wide variation in the impact of a credit-based insurance score on your premium from insurer to insurer. Other insurers use credit-based insurance scoring models developed by third-party vendors, such as Fair Isaac Corporation, LexisNexis and TransUnion. Deductible – A deductible is a portion of a covered loss that is not paid by the insurer. The deductible is subtracted from the amount the insurer would otherwise be obligated to pay you as the insured. The deductible amount is selected by you. Generally, a higher premium is charged for a lower deductible and lower premium for a higher deductible. Some insurers in Nevada offer a “vanishing deductible.” For each year you stay claim-free, the insurer will reduce your deductible amount without increasing your premium. Effectively, the insurer, and not you, will pay the “vanished” deductible if a loss occurs in future. Diminution in Value – This refers to the possible reduced value of your vehicle as measured before a loss to the vehicle and after the repair of that vehicle. The idea is, all other things being equal, that a vehicle that has never been in an accident may, in some cases, be considered more valuable than a fully repaired vehicle. If your insurance policy provides for collision or comprehensive coverage under which your vehicle is being repaired, the loss to your vehicle will be measured by the language in the policy, and may not include any diminution in value. For claims against the negligent parties’ property damage liability policy, such loss of value may be compensable under some circumstances. Indemnify – To indemnify means to restore a party who has had a covered loss to the same financial position that party held before the loss occurred. Medical Payments – This coverage pays for reasonable and necessary medical expenses, without regard to legal liability, resulting from accidental bodily injury while operating or occupying an insured vehicle or being struck as a pedestrian by a motor vehicle. This “MedPay” coverage is often purchased in nominal amounts, such as $1,000, to provide a means for quick payment of minor medical bills without having to deal with the courts or other insurance companies. An insurance company must offer this coverage because of Nevada Revised Statutes (NRS) 687B.145 (3), but you are not required by law to purchase this coverage. Uninsured/Underinsured Motorist – This covers you, your resident relatives and occupants in your insured vehicle if you or they get injured in an accident in which the owner or operator of another motor vehicle is legally liable and does not have insurance (uninsured) or does not have enough insurance (underinsured) to pay all of your loss. By law, your insurance company must offer this coverage to you in an amount equal to your own liability limits (NRS 687B.145 (2)). However, you do not have to accept the offer. This coverage does not pay for damage to your motor vehicle.

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Buying Automobile Insurance

When buying auto insurance, it is recommended that you seek advice from a qualified insurance professional. There are three primary mechanisms for selling insurance: independent agents, exclusive agents, and direct writers. Independent agents can sell insurance from multiple unaffiliated insurers. Exclusive agents only sell insurance from the company or group of companies with which they are affiliated. Direct writers are insurers that do not use agents as intermediaries; rather, some of their employees are themselves licensed as agents in Nevada and are authorized to sell insurance. Depending on your needs, some of these systems may be more suitable for you than others. This booklet should be used as a tool to help you understand the variables of the process and the value of insurance. Bodily injury and property damage coverage (liability coverage) can be purchased as split-limit coverage or as combined single-limit coverage. The two liability limits for bodily injury and property damage shown in this booklet are for split-limit coverage of 15/30/10 ($15,000 per person for bodily injury, $30,000 per accident for bodily injury, and $10,000 per accident for property damage) and 100/300/50 ($100,000 per person for bodily injury, $300,000 per accident for bodily injury, and $50,000 per accident for property damage). The current minimum limits of liability required by Nevada law are 15/30/10. Please note, these minimum limits of liability will increase on July 1, 2018. You do have a choice of contacting your insurance company or agent and requesting that your limits be increased to 25/50/20 prior to July 1, 2018. If you choose to purchase the liability coverage as a combined single limit, the liability limit for bodily injury and property damage is combined (e.g.: $40,000 combined single limit – total amount paid in the event of a loss for all bodily injury and/or property damage). The minimum combined single limit will increase to $70,000 on July 1, 2018. Comprehensive and collision coverages are not required by Nevada law and, in certain cases, because of the age or condition of the automobile, may not be available. However, if you borrowed money to purchase your automobile, your lender may require you to carry this coverage until the loan is paid. You are not required to purchase coverage for medical payments or uninsured/underinsured motorist coverage, but all insurance companies are required by law to offer you medical payments coverage of at least $1,000 and uninsured/underinsured motorist coverage in a maximum amount equal to bodily injury coverage purchased by you. If you plan to lease an automobile, you should check your lease agreement to confirm insurance coverage required. Generally, these agreements require that you carry liability coverage in the amount of $100,000 per person and $300,000 per accident and may require you to carry property damage coverage in excess of the $10,000 limit required by Nevada law. In addition, a leasing company generally requires physical damage coverage be purchased and may even limit the deductible amount.

Underwriting and Rating Two factors, underwriting and rating, govern what you will pay for auto insurance. These factors analyze your characteristics and determine the risk that you present.

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Underwriting – Insurance companies underwrite in order to assess the risk associated with an applicant, group the applicant with other similar risks and decide whether the company will accept the application.

Rating – Rating is the determination of premium based on several risk characteristics some of which include the driver characteristics, household composition, driving record, automobile characteristics, and selected amount/type of coverage.

Insurers depend on the information you provide on your policy application. When you apply for insurance, you will be asked a series of questions that assess the expected cost of insuring you. This cost may be revised if the insurer is unable to verify the information provided or if the insurer identifies new information. Insurers want to know your past driving record and certain personal characteristics in order to group you with other similar drivers. A rate for each group is set based on the historical claims paid by the insurer for the people in that group. The higher the losses from a group, the higher the rate for that group. Insurers review the claim history of your group to make projections about future claims. Some of the characteristics used to determine your group is beyond your control, such as age and gender. Other characteristics relating to lifestyle and income, such as your geographic location and use of the vehicle, also can affect your premium. A group of characteristics that is easy for you to control, however, is the make and model of the vehicle you wish to own and insure. A vehicle with few safety devices and a powerful engine carries a greater risk of high claims than a less sporty but safer model. As a consumer, you have control over the decision to own a high-risk vehicle. Another group of characteristics that is under your control is your driving record and claims history. Lack of traffic violations and at-fault accidents can help lower your premium. Insurers also consider lifestyle characteristics, such as marital status, in the underwriting process. From prior claims data, insurers’ statistics show that married persons tend to have lower claim levels than unmarried persons. Under Nevada law, domestic partners are treated as “married” for insurance rating purposes. Finally, and perhaps most importantly, insurers often review loss reports. Information regarding your home and auto insurance claims history for the past seven years (with one or multiple insurance companies) is collected and compiled centrally by two separate entities, the Comprehensive Loss Underwriting Exchange, commonly known as “CLUE,” and the Automated Property Loss Underwriting Service, known as “A-PLUS.” The reports provided by these two entities contain consumer claim information provided by the insurance companies. The reports include policy information such as your name, date of birth and policy number; claim information such as date of loss, type of loss and amounts paid; and a description of the property covered. For homeowner coverage, the report includes the property address, and for auto coverage, specific vehicle information. In other words, when you shop for auto or home insurance, every company you approach has access to your entire loss history for the past seven years. Make sure to thoroughly review this report for prior claims for which you may not be at-fault, any inquiries, under-the-deductible claims or any subrogated claim payments. Nevada law

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prohibits insurers to refuse to issue a policy to you, refuse to renew a policy or to increase your premium due to these types of claims. You can obtain a free copy of either report once a year. To find out more about the CLUE report and how to obtain a free copy of the loss history maintained for you, go to personalreports.lexisnexis.com or call, toll free: 1-866-312-8076. For a free A-PLUS report, call 1-800-627-3487.

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Information Commonly Requested By Insurers for Rating 1) Driving Record – On your policy application, you will be asked about your driving

record. Insurers will ask about accidents and traffic violations for any driver covered by the policy for the preceding three to five years. Drivers with previous violations or “at-fault” accidents are considered to be a higher risk and are charged a higher rate. Also, the insurer likely will request a motor vehicle report from the Department of Motor Vehicles (DMV) to compare against your application.

Some insurance companies offer “accident forgiveness” to certain insureds who meet the eligibility criteria that can vary from insurer to insurer. This feature is offered either as part of a standard auto insurance policy or as an additional coverage option (endorsement). These options generally have additional charges associated with this benefit. Accident forgiveness means that if you are responsible for causing an accident, your premium will not increase due to your first at-fault accident.

2) Territory – The claims experience in your geographical area also will affect your rates.

Policy applications include a question that asks for the address where the vehicle will be principally garaged. From this information, insurers determine your territory or zip code whose rate is based on historical experience for that territory or zip code. Generally, more claims are made from urban areas – because of tendencies of busy traffic, thefts and vandalism – than from rural areas.

3) Gender and Age – Statistically, males have more accidents than females. For this reason,

men may tend to pay more for insurance than women. Insurers also have statistics that show a higher number of claims for some age groups than for others. For these reasons, young men tend to pay more for insurance than young women, and a person under 25 will pay more for insurance than a 35-year-old.

4) Marital Status – Statistics show fewer auto insurance claims among married

policyholders than unmarried policyholders. Generally, married people pay a lower premium than unmarried policyholders. Nevada law requires domestic partners to be rated as married policyholders.

5) Prior Insurance Coverage – Insurers may ask if you have previously had insurance

coverage, because they want to know if you have ever been canceled (such as for non-payment of premiums), or if you have ever had any lapse in your auto liability coverage. Under Nevada law, if insurers ask for this information, they are required to also ask about the reasons for any previous cancellation, nonrenewal, or adverse underwriting decision. Insurers may not refuse to insure you or increase your premium solely on the basis of the fact that a previous insurer has cancelled or refused to renew your coverage. However, an insurer may seek additional information regarding such a previous decision, and this additional information may be a factor in the insurer’s own underwriting or rating decisions.

6) Vehicle Use – You will be asked on the application how often, how far and for what

purpose you drive the vehicle that you want to insure. The fewer miles you drive the less chance you have of getting into an accident. Some insurers also offer discounts for drivers who participate in car pools.

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7) Usage-Based Insurance (UBI) – UBI is a relatively new methodology in the pricing of

auto insurance which is being offered by certain insurers in Nevada. This methodology allows for discounts in your auto insurance premiums based upon the number of miles you drive. Some companies require a device to be attached to the On-Board Diagnostics (OBD-II) port. This telematic device transmits mileage and other information to the insurer. Other insurers require scheduled “odometer reading” by the agent or other representatives of the insurance company to verify the mileage. The technology behind the telematic device has generated some concerns regarding the potential for violation of privacy rights by tracking of movement of those who install the telematic device in their vehicles. If you sign up for participation in a UBI program, the insurer is required to provide you with a full disclosure, including use of a device with GPS capabilities.

8) Make and Model of Vehicle – The type of car you drive directly affects the cost of

comprehensive and collision coverage. It also can affect the cost of bodily injury and property damage liability coverage as well as the uninsured/underinsured and medical payment coverages. A make or model of car that has a high number of claims or higher claim costs will be charged a higher premium. High claims costs are generally associated with two types of vehicles: higher-valued vehicles, which are more expensive to repair, and vehicles that have shown a higher severity of bodily injury losses or physical damage losses in an accident.

One of the primary factors in the rating process is claim frequency. Claim frequency measures how often an insured event occurs within a group relative to the number of policies contained in that group. It does not mean how many times you have made an insurance claim, although that will have an additional effect. If you share characteristics with a high-claims group, you will be charged more for insurance coverage. At the same time, people who share characteristics with low-claims groups will be charged lower rates. However, it should be noted that the greatest controllable factor in determining your rate is your driving record. A person with a clean driving record will pay less than a driver with similar characteristics who has traffic violations.

Credit-Based Insurance Scoring Credit-based insurance scoring is used by most personal automobile insurers in Nevada. Your credit information is used as one criterion to decide for what coverage you will be eligible and how much premium you will pay. The insurance companies that use credit information assert that this information helps them appropriately price the insurance risk they are undertaking. There is a belief that credit-based insurance scores correlate with the risk of insurance losses, and that credit-based insurance scores measure your financial responsibility, which is also an indicator of responsibility in other areas of your life, such as driving. Further information on credit-based insurance scoring is available by visiting the Division’s website at http://doi.nv.gov/Consumers/Credit-Scoring-FAQs/ Nevada law requires insurers to provide you with an “adverse action” notice if the use of your credit information adversely affects your insurance premium or contributes to a denial of insurance. You have a right to request a free copy of your credit report from the vendor who is

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listed on the adverse-action notice. The Division publishes, and annually updates, a list of all auto insurers who utilize or do not utilize credit history in underwriting and/or rating. To review this list, please visit the Division’s website at: http://doi.nv.gov/uploadedFiles/doinvgov/_public-documents/Consumers/NV_PPA_AB120_List.pdf.

Exceptions for Extraordinary Life Events In 2011, the Nevada Legislature passed the Division’s omnibus bill, Assembly Bill 74 (AB 74). If you have experienced or are continuing to experience certain extraordinary life events (ELEs) that adversely impact your credit information, Section 30 of AB 74 requires insurers to provide reasonable exceptions for such ELEs in the calculation of their insurance premiums. If your credit information has been directly influenced by an ELE, you may submit a request to your insurer in writing that your credit information not be considered in the underwriting and rating of your insurance policy. The new law also requires insurers to notify you about the availability of such reasonable exceptions and how you may request further information. The law provides that the following events be considered as extraordinary life events. 1. A catastrophic event, as declared by the federal or state government; 2. A serious illness or injury to you or to an immediate family member; 3. The death of a spouse, child or parent; 4. Divorce or involuntary interruption of legally owed alimony or support payments; 5. Identity theft; 6. Temporary loss of employment for a period of 3 months or more, if it results from

involuntary termination; 7. Military deployment overseas. If an event you are experiencing is not specifically listed above, contact your insurer and describe the event that you are experiencing and how it may be adversely affecting your credit. The law also allows insurers to consider “other events” as potential ELEs and gives the insurer discretion on granting an exception.

Discounts Insurance companies offer discounts to individuals who have certain characteristics. Discounts are awarded because the insurance company views you as a “better risk.” Since not all insurers offer the same discounts, you should be aware of the discounts offered by different companies before buying auto insurance. Here are some discounts you should look for: 1) Multiple Vehicles – Most insurance companies offer a discount to consumers who insure

more than one car with their company. Companies offer this discount not only because they want all of your business, but because it is easier for them to underwrite individuals that they already know, therefore reducing their risk and saving them money. Industry

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statistics show that individuals and families that insure more than one car have better-than-average claims experience. Through this discount, companies pass along some of their savings to you.

2) Driver Education Courses – Discounts for driver education courses are targeted primarily at older drivers. In Nevada, all insurers must provide a reduction in premium for a three-year period for people 55 and older if they successfully complete a driving course approved by the Nevada Department of Motor Vehicles. The insured must maintain a clean driving record in order to keep this discount.

3) Good Student – Insurers have found that students who earn a “B” average or better tend

to be more responsible drivers. For that reason, many companies offer a “good student” discount.

4) Safety Devices – Automobile safety devices can lower insurers’ costs by preventing

accidents or limiting their severity. These discount types and savings are passed along to the policyholder through discounts for safety equipment. This equipment includes air bags, automatic seat belts and stability controls.

5) Anti-Theft Devices – Devices or systems that deter theft or vandalism also lower claim

costs. Many companies offer discounts for anti-theft devices.

6) Good Driver/Loyalty – Insurers offer discounts to drivers who maintain a good driving record and renew their policy with them.

7) Auto/Home Package or Multiple Policy Discount – Some insurers offer a discount on

one or both policies if an individual buys a homeowners’ policy and an auto policy from the same insurer. Other insurers also offer a discount on auto rates for home ownership. Some insurers also offer a discount for the purchase of homeowners’, auto and life policies from the same insurer.

8) Dividends – Some insurers, particularly mutual insurers, offer dividends to policyholders

if the sale of auto insurance has been profitable to them. Dividends are declared and paid after the policy period has expired.

9) Miscellaneous Discounts – Some insurers offer special discounts, which are applied in

conjunction with new policies only. These discounts are generally reflected in the price of the new policy, tend to be applied at a lesser degree at each subsequent renewal and are eliminated after a certain number of renewals (typically two renewals).

Discounts are not only a way for companies to attract customers, but also a means for companies to compete and retain business. So, when you shop, ask about discounts offered and how much money you could save. Remember, savings can differ from company to company. Make sure you receive the discounts for which you qualify.

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Financial Responsibility

To ensure that innocent parties are compensated for their injuries in the event of a car accident, Nevada law requires all Nevada drivers to have security for liability arising from the use of their vehicles. For most Nevadans, security will be in the form of an insurance policy. Nevada law requires that your insurance policy must minimally provide coverage in the amount of $15,000 for bodily injury or death of each person in an accident, $30,000 for bodily injury or death of all persons in an accident, and $10,000 for injury or damage to the property of others. This coverage is generally described as 15/30/10. When you have liability coverage, your insurance company will pay for the victim’s damages up to your policy limits. If you choose, you can increase your liability coverage for added protection at an additional premium. Please note, these minimum limits of liability will increase to$25,000/$50,000/$20,000 on July 1, 2018. The penalty for not having mandatory liability auto insurance is severe. The Department of Motor Vehicles administers the Insurance Verification Program, designed to eliminate uninsured motorists on Nevada’s highways. NRS 482.480 requires you to pay a reinstatement fee to the Department of Motor Vehicles Insurance Verification Program if you are the owner of a motor vehicle that is registered, or should be registered, and are found guilty of operating, or allowing someone to operate, your motor vehicle without liability insurance. The minimum penalty fee is $250. Senate Bill 323 of the 2011 Nevada Legislature, which became effective on July 1, 2011, enacted a graduated system of penalty fees and fines for lapses in vehicle liability insurance. The fines increase for subsequent offenses and for longer periods of lapse, can be as high as $1,750, and can be applied in addition to the suspension of the violator’s driver’s license. If you are found to be without liability insurance by a law enforcement officer, the penalty will be administered by a court of jurisdiction and generally is even more severe. If you do not carry insurance, and you or someone using your motor vehicle with your permission are involved in an accident, your registration and driver’s license may be revoked. You also may be required to have an insurance company certify that you have insurance, which must be continuously maintained for a three-year period. Most insurance companies charge an additional fee for this certification (commonly called an SR-22). Finally, if you were without insurance for any period of time, you may find it difficult to obtain insurance you can afford. Many companies do not insure people who have not had insurance or have allowed their insurance to lapse or expire. Other companies will simply charge you more for insurance. Remember, going without insurance can cost you much more than carrying the liability coverage that is required by Nevada law.

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Liability Insurance Required by Nevada law

Most auto liability insurance policies contain the following major parts: liability insurance for bodily injury, liability insurance for property damage and uninsured/underinsured motorist coverage. Bodily injury liability insurance does not protect you or your car directly if you are the cause of an accident in which other people (third parties) are injured. This insurance protects you against their claims for damages such as medical expenses, lost wages and pain and suffering. This insurance coverage also will pay if a member of your family living with you caused the accident, or if it was caused by a person using your car with your consent. Some insurance policies have a “drop-down” provision which provides only the minimum liability limits for permissive drivers that are not listed in the policy. Bodily injury liability insurance carries specific benefit limits. These limits address how much money your insurance company is obligated to pay for any one victim injured in an accident, and limits the amount the company must pay for multiple victims. To make a smart consumer purchase, you must understand these limits for bodily injury liability insurance. Remember: Nevada law requires that you carry limits of $15,000 for the bodily injury or death of each person injured in an accident and $30,000 for the bodily injury or death of all persons injured in an accident. Please note, these minimum liability limits will increase to $25,000/$50,000 on July 1, 2018. You may decide to purchase additional coverage. This decision may be based on your desire to protect your assets from claims above the minimum amounts. The extra cost of higher coverage tends to be relatively low. Property damage liability insurance pays for damage you cause to the property of others, such as a crushed fender, broken glass or a damaged wall or fence. Your insurance will pay for this damage whether you are driving your automobile or whether it is being driven by another person with your consent. Current Nevada law requires you to carry $10,000 for damage to the property of others. However, you may decide to purchase higher property damage liability coverage at an additional premium. Please note, the minimum property damage limits will increase to $20,000 on July 1, 2018. The policy liability limits also may extend to include a trailer that is designed to be pulled behind a private passenger auto, pickup or van. You may purchase higher limits of liability inexpensively under a personal umbrella policy. An umbrella policy provides broad liability protection over and above your auto policy’s liability limits. It can be written to include other insurance policies, such as your homeowner’s, recreational vehicles, or other insurance products. It also will cover some areas that are not covered by your auto or homeowner’s policies. Many insurers require minimum coverage levels on your underlying auto or home policy before writing an umbrella policy.

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Physical Damage Coverage Required by your lender if you have an auto loan

In addition to the basic liability coverages outlined above, the most commonly recognized coverages are collision and comprehensive. Collision Coverage Collision coverage pays for physical damage to your car as the result of your auto colliding with an object, such as a tree or another car. This coverage can be expensive and it is not required by law. However, if your vehicle is financed or leased, your lending institution or lessor may require that you carry collision insurance. For example, if you have an older vehicle worth less than $2,000, there is little reason for you to purchase collision coverage, because you are likely to pay more money in premium than you would ever receive as a result of a claim. The loss settlement agreement for collision coverage allows the insurance company the option to pay for repair or replace your vehicle with like kind or quality. Here’s an example:

Your vehicle is involved in a collision. It is determined that it will cost $10,000 to repair the vehicle; however, the repaired vehicle value would only be worth $5,000. The company is not responsible to repair the vehicle and can offer cash settlement. If the car is determined to be “totaled” the insurer will pay you the car’s fair market value at the time of loss including all applicable taxes, license fees and other fees incident to transfer of ownership of the replacement vehicle.

Comprehensive Coverage

Comprehensive coverage pays for damage to your auto from almost all other causes, including fire, severe weather, vandalism, floods and theft. Comprehensive coverage also covers broken glass, such as windshield damage. This coverage is less expensive than collision coverage, and many consumers choose to carry it. However, carrying this coverage is your choice; you are not required by law to carry it. When considering collision and comprehensive coverages, you should consider your deductible. A deductible is the amount of money you agree to pay as your share of the cost of a claim before the insurer is committed to pay the rest of the claim. For example, if you carried collision coverage with a $200 deductible and you had a $500 loss, you would pay $200 and the insurance company would pay the remaining $300. Deductibles reduce your premiums because you agree to deduct an amount from the claim your insurer otherwise would have to pay. Insurers offer deductibles because they reduce the number of small claims that are costly for them to handle. If you purchase a new car with a loan, the financial institution that lent you the money may require you to purchase collision and comprehensive coverages. This is because the lender considers your car as collateral for the loan, and it wants to make sure the car is worth something if the lender needs to repossess the vehicle. In the event you have to buy – or decide to buy –

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collision or comprehensive coverage, you can save money by agreeing to the highest deductible you can comfortably afford to pay. Most insurers will only sell comprehensive and collision coverages together and not separately.

Uninsured/Underinsured Motorist Coverage Optional Coverage

Uninsured/underinsured motorist coverage (UM/UIM) protects you and occupants of your vehicle directly. This coverage pays if you or passengers in your vehicle are injured by a hit-and-run driver, a driver who does not have auto insurance (uninsured) or a driver whose policy limits are not high enough to cover your injuries (underinsured). This coverage does not protect the other driver, and it does not cover damage to your vehicle. Nevada law does not require that you carry uninsured/underinsured motorist coverage. However, Nevada law requires your insurance company to offer you uninsured/underinsured motorist coverage in an amount not less than the statutory minimum liability limits and in an amount not more than the bodily injury liability limits purchased by you. You may choose not to purchase this coverage, or you may choose to purchase limits lower than your bodily injury limits of liability (but not lower than the statutory minimum liability limits). If so, you will be required to sign a waiver indicating your decision. Many insurers have started offering a separate uninsured/underinsured motorist property damage coverage (UMPD) to protect your vehicle if it is damaged in an accident that is not your fault. This coverage generally pays up to a certain level and may cover your portion of any applicable deductible.

Other Optional Coverages Be cautious when purchasing optional coverages, as they may duplicate coverage that you have through other insurance policies. For instance, medical payments coverage may duplicate health or disability benefits that you already buy individually or receive as a benefit through your job. Before purchasing these coverages, review them and your other insurance policies carefully. 1) Medical payments coverage is an optional coverage. However, Nevada law requires that

your insurance company offer you at least $1,000 of this coverage. This coverage pays for the medical and funeral expenses for you or others injured or killed in an accident while driving or riding in your auto. Claims against this coverage include all reasonable hospital, surgical, chiropractic, x-ray, dental, professional nursing, prosthetic and funeral expenses. It also will cover you or members of your family if an auto strikes you while walking or riding in another auto. This coverage will be paid even if you caused the accident. Usually, only expenses incurred within a specified period of time after the accident are covered.

2) Rental coverage is coverage for a driver of a rental vehicle against possible liability for

any accidental damage to that vehicle. The vendor may claim various elements of damages including cost of repair, diminution – or reduction – of value and loss of use with respect to a damaged rental vehicle.

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Anyone who has occasion to rent a vehicle should learn whether his or her own automobile insurance policy will pay a claim in case of accidental damage to the rented vehicle. Most private passenger auto policies that provide collision coverage will cover repair cost to a damaged rental vehicle subject to the policy deductible, but they do not cover diminution of value or loss of use. Be sure to check your policy language or ask your agent or insurer if you have this type of coverage before renting a vehicle.

Frequent users of rental vehicles should ask their insurance agents how their private

passenger automobile coverage extends to rental vehicles. In this context, the questions asked and the answers received should be thorough. You may find some advantages to purchasing the coverage available through the rental agency.

3) Rental/Reimbursement coverage usually pays $15 to $20 a day to rent a car for a

specific number of days while your vehicle is being repaired for damages incurred from an accident, irrespective of fault. The premium varies from insurer to insurer.

4) Guaranteed Asset Protection (GAP) Insurance is designed to pay the difference between the outstanding balance on a vehicle loan and the replacement cost of a vehicle that is deemed a total loss. Because of the pattern of depreciation in the value of a vehicle, situations may arise where a consumer owes more on his or her vehicle loan than the consumer’s insurer would pay to replace the vehicle. Such a consumer would remain liable for the “gap” between these two values if the vehicle were damaged beyond repair.

It is important to know that GAP insurance is not mandatory and is prohibited by law

from being required as a condition for purchasing a vehicle or obtaining a vehicle loan. Moreover, GAP insurance is available from a variety of sources. While some insurers market stand-alone GAP policies, other insurers offer GAP-like coverage as an option in their automobile insurance policies. Stand-alone GAP coverage is typically more expensive than GAP-like coverage incorporated in an automobile insurance policy, in part because there is no deductible in stand-alone GAP coverage. The deductible for physical damage coverages typically still applies in GAP-like coverages in automobile insurance policies.

If you are interested in GAP insurance, you are not required to accept it from the dealer

selling your automobile. Shop around to find the best coverage terms and premiums. Also remember that both the outright purchase of a vehicle and a sufficiently large down payment on a vehicle loan would render GAP insurance unnecessary, as it would no longer be the case that the loan balance exceeds the vehicle’s replacement cost. Finally, keep in mind that the gap between the loan balance and the vehicle’s replacement cost typically disappears within a short number of years after the purchase of the vehicle.

5) Towing and labor coverage pays certain costs when your vehicle is disabled, up to the

limit of your policy. These costs may include towing your car to the repair shop, gas delivery, tire changing or labor performed at the location of the breakdown. Premium for this coverage can run as low as $5 to $10 per year. However, if you are a member of an auto club, you probably already have this service and may not want to duplicate your coverage.

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6) Collector Car or Antique Auto coverage can be purchased for an older or classic vehicle that is driven a minimal number of miles each year. The Division recommends you review this coverage carefully with your agent before the policy is issued. You and your agent must both agree on the vehicle value before the policy is issued, and a vehicle appraisal may be required. The value of the vehicle may be determined under two different policy types:

• Stated Amount or Stated Value coverage is a policy form that will pay you if your vehicle is involved in a loss during the policy year, the lesser of: 1) the Stated Value or Amount; 2) the cost to repair the covered auto (not to exceed the Stated Value or Amount); or 3) the actual cash value.

• Agreed Amount or Agreed Value coverage is the only policy form that guarantees you in writing what amount you will receive if your vehicle is involved in a loss during the policy period. The Agreed Amount form states what the insurance company will pay you, the lesser of: 1) the Agreed Amount; or 2) the cost to repair the covered auto (not to exceed the Agreed Amount). The Agreed Amount should represent the true market value of the car at the time the policy is written. If the market value changes during the policy period, the Agreed Amount can be changed by endorsement.

Operator’s Policy

An operator’s policy is different from standard liability insurance, which is also referred to as an owner’s policy. This type of auto insurance is intended primarily to serve the needs of automobile collectors. By law, under an operator’s policy, the number of motor vehicles that the policyholder owns must be greater than the number of persons in the household who possess a driver’s license, and each person in his or her household who has a driver’s license must carry an operator’s policy of liability insurance. This insurance coverage protects the driver, not the car. That is, the driver would be insured no matter what vehicle was driven. This insurance coverage does not cover another person driving your car, either with or without your consent. An operator’s policy can only be issued to cover the vehicles that you own. A policy that is issued solely for non-owned vehicles does not suffice as proof of insurance for the owned vehicles, is not allowed to be used for the purposes of registering your vehicle(s) with DMV, and may be determined as a lapse of insurance coverage for your owned vehicles, triggering a DMV fine. Always check with your insurance agent or company that the policy being issued to you provides coverage for your owned vehicles and is acceptable for the purposes of registering your vehicle(s) with DMV.

Other Helpful Information

One Minute of Insurance Coverage on Expiration Date Did you know that you do not have insurance on the expiration date of your auto insurance? This is because your auto insurance policy expires at 12:01 a.m. on the expiration date. This means that you only have one minute of coverage on the expiration date listed on your insurance ID card.

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If you plan on changing insurance companies, don’t wait until the last day to shop around and find new coverage. It is important to tell your new insurance company or insurance agent exactly when your policy expires. This will help them begin your coverage at the correct time and day without any lapse in coverage. If you are renewing your current insurance, make sure you do so a few days before the expiration date. This will help you avoid an interruption in your insurance coverage. In addition to leaving you uninsured, a lapse in insurance coverage will result in a fine by the Nevada DMV. Coverage for Trailers Hitched to Vehicles If you haul a trailer of any kind, such as a camping trailer, or a utility trailer, it is important to note that most insurance policies extend only the liability portion of your vehicle coverage to the trailer. Any physical damage coverage purchased for your vehicle, like collision or comprehensive, does not automatically extend to the trailer. This means you will have to pay to repair any damage to your trailer if the accident was your fault. You may be able to purchase physical damage protection for your trailer from your insurance company. Call your insurance company or agent for more information. Claims Being in an accident, regardless of who is at fault, can be a traumatic experience. If you are involved in an accident, contact your insurance company or agent to report the accident. Your insurance company will open a claim file and give you further instructions on what to do. Depending on the type and amount of coverages you have purchased, your insurer may be able to immediately begin paying benefits. This may include payments for medical treatment, rental vehicle, or for the repair of your vehicle. For example, if you have Medical Payments, your policy provides immediate payments to you and the occupants of your vehicle for the cost of medical treatment up to the policy limits without consideration of fault. If you believe that the other driver was at fault, you may also contact the other driver’s insurance company and file a claim with them as well. Make sure to provide your insurer with the other insurance company’s information including the claim number (if one is assigned). The other driver’s insurance company and your insurance company will investigate the claim to determine liability. If the other driver is determined to be at fault, any payments made by your insurance company under your insurance policy, or any deductibles paid by you to your insurance company, may be recouped by your insurer from the at-fault driver’s insurance company. To help you with documenting pertinent information immediately after an accident, the National Association of Insurance Commissioners (NAIC) recently released a smartphone app called “WreckCheck” for iPhones (download from iTunes - http://www.itunes.com) and Android Phones (download from Google Play - http://play.google.com). If you do not own a smart phone, you may download and print an “Auto Accident Checklist” from: http://www.insureuonline.org/auto_accident_checklist.pdf

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Smart Shopping The key to comparison shopping is to know both what insurance coverage and what amount of coverage you need before you begin shopping, then to find out how much that coverage will cost from a number of companies. Comparison shopping takes time but can save you money. No one wants to pay more for auto insurance than is absolutely necessary. The only way you can make certain you are not paying too much is to shop around and find out what different companies charge for identical products and services. Here’s an example that shows the benefits of shopping around:

The rate comparisons in this report include the hypothetical scenario of a married couple, both 45 years old. If the husband sought liability limits of $15,000 per person/$30,000 per accident/$10,000 per accident property damage, he could pay anywhere from $326 to $1,920 every six months in Las Vegas or $231 to $1,285 in Reno to insure a 2016 Hyundai Elantra.

Seek Unbiased Information

Information is available to consumers from a number of unbiased sources. These sources include the Nevada Division of Insurance, public libraries, consumer groups and consumer publications. Because the insurance industry, like many other industries, uses words not commonly used by the average person, consumers may need to find a good glossary or dictionary of insurance terms. We suggest contacting the Division’s Consumer Services section if you need help understanding the language of your policy. You can also gain a wide variety of information from the Nevada Division of Insurance website, doi.nv.gov.

Price Quotes Getting auto insurance premium quotes from several companies is a useful way to compare different companies’ products. However, when seeking price quotes, it is crucial that you provide the same information to each agent or company. To give you an accurate quote, the agent or company will usually request the following informa-tion, because it is necessary to the underwriting and rating process as described earlier in this guide:

1. A description of your vehicle (year, make, model, vehicle identification number,

etc.); 2. Use of vehicle (pleasure, to/from work, etc.); 3. Your driver’s license number and the issuing state;

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4. The number, genders and ages of drivers in your household (including dates of birth);

5. The types of coverage; 6. The limits you want; and 7. Accidents/tickets in the last three to five years for each driver in your household. The company also may obtain a copy of your claims history, motor vehicle report and credit report. It is a good idea for you to know what is contained in the reports.

For Your Protection You should be aware that an auto insurance policy is a legal contract. It is written so that your rights and responsibilities, as well as those of the insurance company, are clearly stated. When you purchase auto insurance, you will receive a policy. You should read that policy and be able to understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, contact the Nevada Division of Insurance Consumer Services section, and our Consumer Service representatives will work with you regarding your concerns. If you purchase an insurance policy through an unlicensed company, you are very likely to find that you have no coverage when a claim occurs. To avoid falling for such scams, you should:

1) Check with the Nevada Division of Insurance to see if the company is licensed in

Nevada. Companies licensed by the state are required to provide annual statements to the Division of Insurance, which allow the Division to assess a company’s continued ability to pay claims. The Division also is able to take corrective action in advance of potentially devastating problems. The Division website has a “License Look-up Tool” at doi.nv.gov, or you can call 775-687-0700 (northern Nevada) or 702-486-4009 (southern Nevada) to find out whether a company is licensed in Nevada. You can also verify a license using the Division’s smartphone app NDOI Connect which is available through Google Play.

2) Confirm that your insurance agent is selling you a state-approved product. If you

suspect an insurance agent is trying to sell you an unauthorized product, contact the Division of Insurance.

3) Make certain you are dealing with a licensed insurance agent. If the person trying

to sell you the coverage states that he or she doesn’t need a license for whatever reason, be wary. Report suspicious activity to the Division of Insurance.

4) Ask your agent for the name of the insurer and check the paperwork you receive

to make sure it names a licensed insurer that is providing the coverage.

5) You should receive an Evidence of Insurance card for each vehicle insured. The card is to be carried in the respective automobile. The effective dates of coverage

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are shown on the card, so check to make sure your evidence of insurance card is current.

6) Never pay cash. Always get a receipt for all payments and be sure the receipt

shows your policy number, date of payment, period of coverage and the name of the insurance company providing the coverage.

Suggested questions to ask when looking for automobile insurance:

• Are these liability limits high enough to cover me if I have an accident and I am at fault?

• How much would it cost me to buy more than the minimum amount of liability insurance coverage?

• Will this policy cover me if I let someone else drive my car?

• Will this policy cover me if I have an accident in a rental car while on vacation?

• Will this policy cover me if I have an accident while traveling for work?

• If my car is disabled, will this policy pay for a rental car while it is being repaired? Is there any cap or limit?

• If my car is disabled due to an accident, will the parts used to repair the car be new or after market?

• How much can I save with a higher deductible?

• What discounts are available?

• What other types of property do you insure? Can I qualify for a discount if I buy both policies from your company?

• What are my payment options? Can I pay monthly or quarterly? If I do, is there an extra charge?

It is also important to be aware that there are scam artists who misrepresent themselves as insurance agents and bilk unsuspecting individuals and businesses out of thousands of dollars every year. In fact, on occasion, even licensed, honest and experienced agents can unknowingly sell insurance offered by a fraudulent insurer. Although honest agents will do their best to avoid such circumstances, it can still happen. Worst of all, you as the consumer may discover that you are on the hook for a wide range of costs and expenses that you thought your insurance was covering in the event of a loss. When it comes to buying insurance, your instincts might not always be correct. In an effort to save money, one’s judgment can become impaired, so don’t hesitate to check out everyone you deal with. It takes a little more time, but the effort could save you a lot of money.

Payment of Insurance Premiums There is no grace period on insurance premium payments. In other words, if an insurance premium payment is due on the 15th of the month; your payment must be received by the insurance company on or before that date. Example D on Page 29 of this guide shows the higher premiums charged and the possible difficulty of obtaining insurance with a lapse in coverage even if you have a clean driving record.

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Mid-Term Cancellation of Your Policy Nevada laws restrict the mid-term cancellation of your policy. If the company cancels your policy, the premium will be prorated without any penalty to you, but the reason for cancellation must be in compliance with NRS 687B.320. That statute requires notification be delivered or mailed to the policyholder at least 10 days before cancellation for failure to pay a premium when due, or 30 days for all other reasons noted in the statute. However, if you cancel the policy, there is normally a “short rate” penalty that usually amounts to about 10 percent of the return premium. If you cancel the policy early in the term, the penalty is greater than if the policy is canceled late in the term. Policies regarding early cancellations and refunds vary from company to company.

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Frequently Asked Questions 1. I was involved in a car accident, and my car was determined to be a total loss by my

insurance company. The insurance company sent me a check for $7,000, but I paid $15,000 for the car. Why didn’t the insurance company send me a check for the amount I paid for the car?

The insurer’s limit of liability for a physical damage loss to a covered auto is the lower of (1) the actual cash value of the damaged or stolen property; or (2) the amount necessary to repair or replace the property with property of like kind and quality. Actual cash value is generally the replacement cost of the property minus an allowance for depreciation. The depreciation is based on market value in the geographical area. For example, you purchase a new car in 2006 in Carson City that cost $15,000, and the same vehicle could be purchased for $7,000 in 2009. If the car was involved in an accident and declared a total loss by the insurance company in 2009, the market value would be $7,000.

2. How much time does an insurance company have to respond to a claim? I was involved in a car accident two weeks ago, and I notified the insurance company the next day. It’s been two weeks, and I haven’t heard from them.

An insurer must approve or deny a casualty claim within 30 days after the insurer receives the claim. If the insurer requires additional information or time to determine whether to approve or deny a claim, it must notify the policyholder of this request within 20 days after it receives the claim, and at least once every 30 days thereafter until the claim is approved or denied.

3. I was involved in an auto accident in 2006. At the time of the accident, I did not seek medical care. In February of 2010, I began having back pain that I believed was caused by the accident. I went to the doctor and incurred the expense of the doctor’s visit and x-ray cost. I submitted a claim for medical reimbursement under my Personal Auto Policy and Medical Payments Coverage, and my claim was denied. Why?

Under most standard policies, the insurer will pay only those expenses incurred for services rendered within three years from the date of the accident under the Medical Payments coverage of your Personal Auto Policy. Auto policies vary, so you should check your own Personal Auto Policy for time limitations to make a claim under the Medical Payments Coverage.

4. I had some personal belongings that were stolen from the trunk of my car. Why doesn't my car insurance pay for my stolen property?

Contract provisions in your auto policy may specifically exclude most personal belongings; however, these belongings may be covered under a homeowner’s or renter’s policy.

5. I purchased a used vehicle from a car dealership. It had several options, such as running boards, that do not come as standard equipment on a new vehicle. I brought the vehicle to

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my insurance agent and added it to my policy with full coverage. I was later involved in an accident. My insurance company denied the replacement of the damaged running boards. Why?

Most automobile insurance policies specifically exclude items that are not standard or stock on a vehicle. While speaking with your agent, you should ask if the policy covers specialty items. If they’re not covered, ask about purchasing additional coverage for those items. Alternately, it is possible that the price of the non-standard items is already incorporated in the actual cash value determination by the company based on market pricing for such vehicles and additions

6. My car was damaged and my insurance company told me I could get it fixed, so I took it to my body shop. The repair is unsatisfactory, and now the insurance company is telling me it will not guarantee the workmanship of my body shop. Why not?

Insurance companies will only guarantee the workmanship of repairs done by one of their preferred body shops. Many insurers have contractual agreements with such preferred body shops. If you are unsatisfied with the repairs done by your body shop, it would be an issue between you and your body shop. Therefore, it may benefit you to inquire whether or not the insurance company has a preferred shop.

7. I already have insurance for my existing vehicles and am looking to purchase another vehicle. Will my newly purchased vehicle be automatically covered under my existing auto insurance policy?

Most insurers will automatically insure a newly acquired vehicle under an existing policy of insurance for a certain number of days. Contact your insurer to add the newly acquired vehicle to your existing policy. If you wish to add or increase coverage for your new car, make sure to ask your agent or the insurer about the options available to you. If you finance a new vehicle, the lender may place additional insurance requirements - such as collision or comprehensive coverage - to protect the lender’s investment. Most dealerships will require proof of this additional insurance coverage before allowing the vehicle to leave the dealership’s lot.

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Rate Comparisons Thirty-two insurers participated in the following rate comparisons. If an insurer did not quote a rate for a specific example, it means that the driving record given for that example was unacceptable to the company. Rates quoted in this guide are for six-month premiums and may vary from rates quoted by an insurance agent. These rate samples are developed based upon basic rating information and include risk-based assumptions made by insurers. The risk-based assumptions may or may not apply in your specific circumstances. Rates can be found at the page number listed next to each liability option. Two vehicles were rated for each example: Vehicle One

2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive, 4 Door Vehicle Two

2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic Transmission, 2 Wheel Drive, 4 Door

Two liability options were rated for each vehicle: Liability Option One Liability: $15,000 per person/$30,000 per accident bodily injury liability $10,000 per accident property damage liability Physical Damage: $250 deductible-comprehensive $500 deductible-collision Other Coverages: $1,000 medical payments $15,000 per person/$30,000 per accident uninsured/underinsured motorist Liability Option Two Liability: $100,000 per person/$300,000 per accident bodily injury liability $50,000 per accident property damage liability Physical Damage: $250 deductible-comprehensive $500 deductible-collision Other Coverages: $5,000 medical payments $100,000 per person/$300,000 per accident uninsured/underinsured motorist

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Rating Examples

Example A Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................37 Liability Option Two: 100/300/50 ...........................................................................38

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door

Liability Option One: 15/30/10 ...............................................................................39 Liability Option Two: 100/300/50 ...........................................................................40

Example B Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................41 Liability Option Two: 100/300/50 ...........................................................................42

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................43 Liability Option Two: 100/300/50 ...........................................................................44

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Example C Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1,000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................45 Liability Option Two: 100/300/50 ...........................................................................46

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................47 Liability Option Two: 100/300/50 ...........................................................................48

Example D Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................49 Liability Option Two: 100/300/50 ...........................................................................50

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................51 Liability Option Two: 100/300/50 ...........................................................................52

32

Example E Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates shown are for the husband’s vehicle. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................53 Liability Option Two: 100/300/50 ...........................................................................54

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................55 Liability Option Two: 100/300/50 ...........................................................................56

Example F Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily. Annual mileage is 15,000. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................57 Liability Option Two: 100/300/50 ...........................................................................58

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................59 Liability Option Two: 100/300/50 ...........................................................................60

33

Example G Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000 miles annually. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................61 Liability Option Two: 100/300/50 ...........................................................................62

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................63 Liability Option Two: 100/300/50 ...........................................................................64

Example H Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................65 Liability Option Two: 100/300/50 ...........................................................................66

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................67 Liability Option Two: 100/300/50 ...........................................................................68

34

Example I Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................69 Liability Option Two: 100/300/50 ...........................................................................70

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................71 Liability Option Two: 100/300/50 ...........................................................................72

Example J Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................73 Liability Option Two: 100/300/50 ...........................................................................74

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................75 Liability Option Two: 100/300/50 ...........................................................................76

35

Example K Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................77 Liability Option Two: 100/300/50 ...........................................................................78

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................79 Liability Option Two: 100/300/50 ...........................................................................80

Example L Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................81 Liability Option Two: 100/300/50 ...........................................................................82

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................83 Liability Option Two: 100/300/50 ...........................................................................84

36

Example M Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................85 Liability Option Two: 100/300/50 ...........................................................................86

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................87 Liability Option Two: 100/300/50 ...........................................................................88

Example N Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................89 Liability Option Two: 100/300/50 ...........................................................................90

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................91 Liability Option Two: 100/300/50 ...........................................................................92

37

Example O Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................93 Liability Option Two: 100/300/50 ...........................................................................94

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................95 Liability Option Two: 100/300/50 ...........................................................................96

Example P Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................97 Liability Option Two: 100/300/50 ...........................................................................98

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................99 Liability Option Two: 100/300/50 ...........................................................................100

38

Example Q Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................101 Liability Option Two: 100/300/50 ...........................................................................102

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................103 Liability Option Two: 100/300/50 ...........................................................................104

Example R Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible credit-based insurance score. Vehicle one - 2017 Kia Sorento LX; 3.3L, 6 Cylinder Engine, Automatic, All Wheel Drive,

4 Door Liability Option One: 15/30/10 ...............................................................................105 Liability Option Two: 100/300/50 ...........................................................................106

Vehicle two - 2016 Hyundai Elantra SE; 1.8L, 4 Cylinder Engine, Automatic

Transmission, 2 Wheel Drive, 4 Door Liability Option One: 15/30/10 ...............................................................................107 Liability Option Two: 100/300/50 ...........................................................................108

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40

EXAMPLE A - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,068 $1,093 $1,040 $1,485 $1,976 $2,102 $1,297 $1,124 $1,068Allstate Indemnity Company $2,038 $2,408 $2,234 $2,769 $3,139 $3,672 $2,417 $2,407 $2,408American Access Casualty Company $3,699 $10,764 $4,782 $4,476 $4,977 $5,548 $4,418 $4,510 N/AAmerican Family Insurance Company $776 $1,133 $959 $1,366 $1,679 $1,755 $1,213 $922 $766CSAA General Insurance Company $1,187 $1,220 $1,238 $1,842 $2,227 $2,288 $1,615 $1,263 $1,572Encompass Home and Auto Insurance Company $1,499 $1,478 $1,536 $2,104 $2,581 $2,790 $2,003 $1,596 $1,564Esurance Property & Casualty Insurance Company $1,597 $1,474 $1,562 $2,611 $2,805 $3,485 $2,466 $1,789 $1,927Farmers Insurance Exchange $1,557 $1,469 $1,263 $2,339 $2,512 $2,844 $2,633 $1,541 $1,588Garrison Property & Casualty Insurance Company $1,381 $1,247 $1,071 $1,715 $1,836 $1,834 $1,247 $1,374 $1,276GEICO Advantage Insurance Company $678 $570 $560 $741 $861 $915 $675 $570 $698GEICO Choice Insurance Company $781 $659 $647 $839 $961 $1,026 $775 $659 $805GEICO Secure Insurance Company $1,068 $897 $879 $1,152 $1,323 $1,416 $1,059 $897 $1,101Hartford Accident and Indemnity Company $1,465 $1,469 $985 $1,953 $2,610 $2,795 $1,775 $1,427 $1,583Key Insurance Company $2,308 $2,398 $2,398 $3,124 $3,460 $3,958 $2,794 $2,566 $2,626Liberty Mutual General Insurance Company $1,777 $1,915 $2,504 $3,240 $3,891 $4,473 $2,467 $2,658 $3,855Loya Insurance Company $2,537 $2,537 $2,537 $2,361 $2,357 $2,471 $2,504 $2,537 $2,537Nevada Capital Insurance Company $2,234 $2,026 $2,026 $4,008 $4,426 $5,636 $2,026 $2,405 $3,059Nevada General Insurance Company $2,652 $2,940 $2,940 $3,282 $3,972 $4,350 $3,492 $2,760 $2,940Primero Insurance Company $3,240 $3,240 $3,066 $4,452 $4,950 $4,950 $4,452 $3,426 $3,066Progressive Direct Insurance Company $610 $544 $580 $909 $1,125 $1,217 $858 $712 $633Progressive Northern Insurance Company $795 $719 $743 $1,253 $1,585 $1,683 $1,065 $889 $828Safeco Insurance Company of Illinois $519 $529 $514 $806 $844 $1,047 $712 $561 $511Standard Fire Insurance Company $837 $834 $773 $1,288 $1,557 $1,790 $1,138 $928 $1,109State Farm Fire & Casualty Company $1,761 $1,675 $1,605 $2,435 $3,295 $3,009 $1,860 $1,643 $2,227State Farm Mutual Automobile Insurance Company $1,424 $1,352 $1,298 $1,954 $2,641 $2,397 $1,503 $1,327 $1,810Trumbull Insurance Company $1,126 $1,080 $1,009 $1,547 $1,931 $1,909 $1,446 $1,120 $1,244United Services Automobile Association $1,204 $1,191 $1,005 $1,630 $1,743 $1,763 $1,251 $1,310 $1,213USAA Casualty Insurance Company $1,378 $1,458 $1,145 $1,882 $2,012 $2,036 $1,430 $1,381 $1,384USAA General Indemnity Company $1,233 $1,218 $1,045 $1,656 $1,773 $1,770 $1,277 $1,238 $1,242

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

41

EXAMPLE A - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,255 $1,278 $1,227 $1,998 $2,788 $2,957 $1,614 $1,308 $1,255Allstate Indemnity Company $2,306 $2,634 $2,436 $3,389 $3,907 $4,530 $2,685 $2,759 $2,634American Access Casualty Company $3,943 $11,401 $5,194 $4,860 $5,487 $6,026 $4,769 $4,892 N/AAmerican Family Insurance Company $873 $1,312 $1,107 $1,637 $2,075 $2,173 $1,415 $1,047 $855CSAA General Insurance Company $1,255 $1,261 $1,264 $2,073 $2,546 $2,605 $1,731 $1,315 $1,642Encompass Home and Auto Insurance Company $1,431 $1,401 $1,455 $2,078 $2,516 $2,731 $1,909 $1,510 $1,479Esurance Property & Casualty Insurance Company $2,225 $2,001 $2,180 $4,213 $4,561 $5,743 $3,867 $2,417 $2,631Farmers Insurance Exchange $1,677 $1,619 $1,419 $3,124 $3,161 $3,886 $3,597 $1,899 $1,785Garrison Property & Casualty Insurance Company $1,631 $1,462 $1,247 $2,145 $2,302 $2,305 $1,462 $1,633 $1,489GEICO Advantage Insurance Company $913 $797 $788 $1,112 $1,336 $1,434 $932 $797 $934GEICO Choice Insurance Company $1,027 $898 $885 $1,228 $1,454 $1,574 $1,045 $898 $1,051GEICO Secure Insurance Company $1,469 $1,282 $1,264 $1,787 $2,139 $2,307 $1,498 $1,282 $1,507Hartford Accident and Indemnity Company $1,754 $1,692 $1,145 $2,568 $3,476 $3,772 $2,271 $1,678 $1,866Liberty Mutual General Insurance Company $2,305 $2,484 $3,247 $4,202 $5,046 $5,801 $3,199 $3,447 $5,000Nevada Capital Insurance Company $2,478 $2,250 $2,250 $4,692 $5,208 $6,550 $2,250 $2,678 $3,337Progressive Direct Insurance Company $951 $800 $887 $1,597 $2,057 $2,247 $1,459 $1,139 $950Progressive Northern Insurance Company $1,280 $1,123 $1,177 $2,305 $3,015 $3,200 $1,835 $1,463 $1,302Safeco Insurance Company of Illinois $616 $615 $602 $1,029 $1,088 $1,370 $878 $653 $594Standard Fire Insurance Company $959 $942 $870 $1,592 $1,991 $2,290 $1,382 $1,087 $1,343State Farm Fire & Casualty Company $2,272 $2,114 $2,030 $3,328 $4,529 $4,170 $2,391 $2,100 $2,786State Farm Mutual Automobile Insurance Company $1,797 $1,670 $1,607 $2,605 $3,544 $3,238 $1,895 $1,659 $2,220Trumbull Insurance Company $1,228 $1,153 $1,082 $1,863 $2,373 $2,369 $1,715 $1,203 $1,351United Services Automobile Association $1,383 $1,357 $1,138 $1,991 $2,137 $2,163 $1,447 $1,513 $1,374USAA Casualty Insurance Company $1,586 $1,644 $1,300 $2,296 $2,463 $2,491 $1,656 $1,582 $1,573USAA General Indemnity Company $1,353 $1,327 $1,128 $1,926 $2,068 $2,073 $1,411 $1,353 $1,347

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

42

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE A - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $995 $1,009 $963 $1,420 $1,900 $2,023 $1,232 $1,043 $995Allstate Indemnity Company $2,090 $2,382 $2,216 $2,905 $3,289 $3,825 $2,427 $2,483 $2,382American Access Casualty Company $3,079 $8,955 $4,127 $3,856 $4,407 $4,796 $3,768 $3,879 N/AAmerican Family Insurance Company $705 $1,039 $880 $1,278 $1,595 $1,670 $1,120 $839 $693CSAA General Insurance Company $1,202 $1,235 $1,259 $1,862 $2,234 $2,310 $1,651 $1,283 $1,601Encompass Home and Auto Insurance Company $1,762 $1,718 $1,795 $2,494 $3,062 $3,319 $2,383 $1,875 $1,835Esurance Property & Casualty Insurance Company $1,638 $1,508 $1,606 $2,685 $2,871 $3,583 $2,533 $1,840 $1,996Farmers Insurance Exchange $1,834 $1,696 $1,469 $3,006 $3,220 $3,640 $3,202 $1,851 $1,899Garrison Property & Casualty Insurance Company $1,325 $1,190 $1,019 $1,661 $1,775 $1,774 $1,190 $1,322 $1,216GEICO Advantage Insurance Company $699 $583 $577 $756 $872 $930 $695 $583 $715GEICO Choice Insurance Company $803 $671 $663 $853 $971 $1,040 $795 $671 $821GEICO Secure Insurance Company $1,095 $911 $900 $1,169 $1,334 $1,432 $1,085 $911 $1,122Hartford Accident and Indemnity Company $1,489 $1,510 $1,010 $1,913 $2,540 $2,711 $1,759 $1,479 $1,614Key Insurance Company $2,092 $2,206 $2,206 $2,902 $3,226 $3,658 $2,512 $2,386 $2,902Liberty Mutual General Insurance Company $1,727 $1,861 $2,434 $3,149 $3,782 $4,347 $2,398 $2,583 $3,747Loya Insurance Company $2,290 $2,290 $2,290 $2,120 $2,115 $2,231 $2,261 $2,290 $2,290Nevada Capital Insurance Company $2,520 $2,300 $2,300 $4,309 $4,712 $6,079 $2,300 $2,727 $3,497Nevada General Insurance Company $2,838 $3,156 $3,156 $3,528 $4,278 $4,686 $3,762 $2,958 $3,156Primero Insurance Company $2,268 $2,268 $2,125 $3,270 $3,648 $3,648 $3,270 $2,406 $2,125Progressive Direct Insurance Company $650 $579 $618 $962 $1,189 $1,282 $911 $758 $679Progressive Northern Insurance Company $850 $767 $793 $1,332 $1,677 $1,777 $1,135 $951 $889Safeco Insurance Company of Illinois $523 $533 $517 $808 $845 $1,054 $723 $566 $514Standard Fire Insurance Company $1,286 $1,291 $1,184 $1,978 $2,397 $2,770 $1,757 $1,435 $1,730State Farm Fire & Casualty Company $1,699 $1,603 $1,539 $2,368 $3,210 $2,920 $1,791 $1,578 $2,140State Farm Mutual Automobile Insurance Company $1,373 $1,295 $1,246 $1,899 $2,572 $2,327 $1,447 $1,274 $1,740Trumbull Insurance Company $1,192 $1,146 $1,072 $1,573 $1,953 $1,924 $1,473 $1,201 $1,318United Services Automobile Association $1,159 $1,141 $961 $1,589 $1,696 $1,713 $1,201 $1,265 $1,164USAA Casualty Insurance Company $1,333 $1,404 $1,098 $1,841 $1,965 $1,989 $1,380 $1,341 $1,335USAA General Indemnity Company $1,171 $1,153 $984 $1,597 $1,706 $1,706 $1,211 $1,184 $1,177

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

43

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE A - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,194 $1,206 $1,162 $1,957 $2,747 $2,918 $1,571 $1,240 $1,194Allstate Indemnity Company $2,454 $2,715 $2,511 $3,705 $4,283 $4,944 $2,808 $2,960 $2,715American Access Casualty Company $3,323 $9,592 $4,539 $4,240 $4,917 $5,274 $4,119 $4,261 N/AAmerican Family Insurance Company $809 $1,227 $1,036 $1,564 $2,016 $2,115 $1,335 $973 $789CSAA General Insurance Company $1,265 $1,270 $1,278 $2,080 $2,545 $2,618 $1,756 $1,328 $1,660Encompass Home and Auto Insurance Company $1,668 $1,617 $1,688 $2,432 $2,959 $3,219 $2,260 $1,760 $1,722Esurance Property & Casualty Insurance Company $2,298 $2,063 $2,256 $4,367 $4,716 $5,957 $4,006 $2,500 $2,734Farmers Insurance Exchange $2,018 $1,925 $1,694 $4,003 $4,065 $4,965 $4,401 $2,318 $2,191Garrison Property & Casualty Insurance Company $1,591 $1,421 $1,212 $2,116 $2,267 $2,271 $1,421 $1,595 $1,446GEICO Advantage Insurance Company $941 $818 $811 $1,140 $1,363 $1,472 $961 $818 $958GEICO Choice Insurance Company $1,056 $919 $911 $1,259 $1,483 $1,617 $1,075 $919 $1,076GEICO Secure Insurance Company $1,504 $1,306 $1,294 $1,824 $2,173 $2,359 $1,536 $1,306 $1,534Hartford Accident and Indemnity Company $1,734 $1,695 $1,146 $2,442 $3,283 $3,550 $2,188 $1,694 $1,849Liberty Mutual General Insurance Company $2,246 $2,421 $3,165 $4,095 $4,918 $5,654 $3,118 $3,359 $4,873Nevada Capital Insurance Company $2,758 $2,518 $2,518 $4,977 $5,472 $6,968 $2,518 $2,994 $3,767Progressive Direct Insurance Company $993 $837 $927 $1,659 $2,134 $2,326 $1,518 $1,190 $1,000Progressive Northern Insurance Company $1,337 $1,175 $1,229 $2,392 $3,125 $3,310 $1,912 $1,528 $1,367Safeco Insurance Company of Illinois $622 $620 $607 $1,038 $1,096 $1,386 $899 $661 $599Standard Fire Insurance Company $1,463 $1,448 $1,327 $2,438 $3,059 $3,525 $2,121 $1,675 $2,087State Farm Fire & Casualty Company $2,210 $2,042 $1,964 $3,261 $4,444 $4,081 $2,322 $2,035 $2,699State Farm Mutual Automobile Insurance Company $1,746 $1,613 $1,555 $2,550 $3,475 $3,168 $1,839 $1,606 $2,150Trumbull Insurance Company $1,259 $1,185 $1,113 $1,824 $2,307 $2,294 $1,684 $1,248 $1,382United Services Automobile Association $1,358 $1,329 $1,116 $1,983 $2,125 $2,150 $1,421 $1,490 $1,344USAA Casualty Insurance Company $1,563 $1,618 $1,281 $2,294 $2,455 $2,482 $1,634 $1,566 $1,546USAA General Indemnity Company $1,310 $1,282 $1,088 $1,896 $2,032 $2,036 $1,366 $1,318 $1,300

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Clean driving record. Good student (“A” average) with driver’s education. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

44

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE B - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,225 $1,252 $1,191 $1,696 $2,254 $2,400 $1,492 $1,289 $1,225Allstate Indemnity Company $2,447 $2,874 $2,671 $3,314 $3,751 $4,395 $2,894 $2,889 $2,874American Access Casualty Company $4,468 $13,087 $5,790 $5,418 $6,028 $6,725 $5,346 $5,456 N/AAmerican Family Insurance Company $1,094 $1,598 $1,350 $1,908 $2,327 $2,428 $1,700 $1,299 $1,080CSAA General Insurance Company $1,557 $1,599 $1,626 $2,416 $2,918 $3,000 $2,118 $1,658 $2,063Encompass Home and Auto Insurance Company $2,091 $2,058 $2,142 $2,936 $3,625 $3,919 $2,822 $2,230 $2,184Esurance Property & Casualty Insurance Company $1,816 $1,681 $1,779 $2,968 $3,189 $3,963 $2,805 $2,039 $2,196Farmers Insurance Exchange $1,711 $1,615 $1,386 $2,579 $2,777 $3,135 $2,882 $1,693 $1,755Garrison Property & Casualty Insurance Company $1,577 $1,423 $1,221 $1,957 $2,094 $2,093 $1,423 $1,568 $1,454GEICO Advantage Insurance Company $1,244 $1,040 $1,023 $1,355 $1,573 $1,673 $1,236 $1,040 $1,282GEICO Choice Insurance Company $966 $809 $795 $1,040 $1,195 $1,274 $956 $809 $996GEICO Secure Insurance Company $1,535 $1,280 $1,256 $1,660 $1,913 $2,046 $1,519 $1,280 $1,584Hartford Accident and Indemnity Company $1,902 $1,894 $1,270 $2,550 $3,412 $3,662 $2,312 $1,836 $2,052Key Insurance Company $2,308 $2,398 $2,398 $3,124 $3,460 $3,958 $2,794 $2,566 $2,626Liberty Mutual General Insurance Company $2,385 $2,570 $3,360 $4,348 $5,222 $6,002 $3,311 $3,566 $5,173Loya Insurance Company $2,758 $2,758 $2,758 $2,564 $2,559 $2,686 $2,722 $2,758 $2,758Nevada Capital Insurance Company $2,447 $2,218 $2,218 $4,389 $4,848 $6,176 $2,218 $2,636 $3,354Nevada General Insurance Company $2,820 $3,126 $3,126 $3,510 $4,248 $4,650 $3,732 $2,946 $3,126Primero Insurance Company $3,492 $3,492 $3,306 $4,812 $5,358 $5,358 $4,812 $3,696 $3,306Progressive Direct Insurance Company $728 $646 $691 $1,092 $1,356 $1,467 $1,028 $850 $755Progressive Northern Insurance Company $971 $876 $906 $1,533 $1,935 $2,054 $1,303 $1,083 $1,013Safeco Insurance Company of Illinois $646 $658 $637 $1,002 $1,048 $1,303 $888 $698 $635Standard Fire Insurance Company $917 $912 $847 $1,406 $1,695 $1,950 $1,243 $1,013 $1,207State Farm Fire & Casualty Company $3,064 $2,914 $2,793 $4,240 $5,739 $5,232 $3,243 $2,861 $3,882State Farm Mutual Automobile Insurance Company $2,293 $2,167 $2,085 $3,146 $4,258 $3,849 $2,418 $2,128 $2,913Trumbull Insurance Company $1,755 $1,662 $1,555 $2,446 $3,059 $3,028 $2,281 $1,723 $1,935United Services Automobile Association $1,365 $1,350 $1,139 $1,852 $1,981 $2,002 $1,420 $1,486 $1,375USAA Casualty Insurance Company $1,562 $1,654 $1,295 $2,139 $2,286 $2,314 $1,622 $1,565 $1,571USAA General Indemnity Company $1,438 $1,420 $1,216 $1,934 $2,070 $2,068 $1,489 $1,443 $1,449

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

45

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE B - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,426 $1,451 $1,392 $2,248 $3,126 $3,324 $1,843 $1,487 $1,426Allstate Indemnity Company $2,768 $3,149 $2,915 $4,050 $4,666 $5,421 $3,220 $3,312 $3,149American Access Casualty Company $4,749 $13,850 $6,277 $5,871 $6,636 $7,293 $5,759 $5,907 N/AAmerican Family Insurance Company $1,223 $1,840 $1,549 $2,271 $2,859 $2,988 $1,971 $1,465 $1,198CSAA General Insurance Company $1,628 $1,637 $1,643 $2,687 $3,301 $3,377 $2,245 $1,708 $2,132Encompass Home and Auto Insurance Company $1,942 $1,897 $1,976 $2,807 $3,441 $3,735 $2,636 $2,055 $2,012Esurance Property & Casualty Insurance Company $2,583 $2,328 $2,534 $4,888 $5,293 $6,667 $4,488 $2,810 $3,058Farmers Insurance Exchange $1,841 $1,782 $1,555 $3,432 $3,489 $4,266 $3,916 $2,081 $1,977Garrison Property & Casualty Insurance Company $1,857 $1,665 $1,417 $2,443 $2,623 $2,627 $1,665 $1,860 $1,694GEICO Advantage Insurance Company $1,663 $1,445 $1,428 $2,018 $2,423 $2,601 $1,695 $1,445 $1,703GEICO Choice Insurance Company $1,264 $1,099 $1,085 $1,516 $1,801 $1,946 $1,285 $1,099 $1,296GEICO Secure Insurance Company $2,108 $1,829 $1,805 $2,573 $3,090 $3,328 $2,148 $1,829 $2,164Hartford Accident and Indemnity Company $2,383 $2,287 $1,545 $3,510 $4,760 $5,170 $3,098 $2,260 $2,533Liberty Mutual General Insurance Company $3,101 $3,342 $4,370 $5,654 $6,791 $7,806 $4,305 $4,638 $6,728Nevada Capital Insurance Company $2,712 $2,460 $2,460 $5,126 $5,692 $7,159 $2,460 $2,931 $3,653Progressive Direct Insurance Company $1,145 $960 $1,067 $1,930 $2,490 $2,720 $1,761 $1,372 $1,141Progressive Northern Insurance Company $1,556 $1,365 $1,429 $2,795 $3,657 $3,878 $2,227 $1,774 $1,583Safeco Insurance Company of Illinois $765 $763 $746 $1,280 $1,352 $1,706 $1,095 $811 $737Standard Fire Insurance Company $1,046 $1,027 $950 $1,730 $2,157 $2,483 $1,504 $1,184 $1,453State Farm Fire & Casualty Company $3,901 $3,635 $3,488 $5,704 $7,775 $7,136 $4,127 $3,612 $4,803State Farm Mutual Automobile Insurance Company $2,858 $2,652 $2,552 $4,135 $5,637 $5,127 $3,023 $2,635 $3,540Trumbull Insurance Company $1,983 $1,846 $1,732 $3,028 $3,853 $3,846 $2,791 $1,920 $2,176United Services Automobile Association $1,565 $1,533 $1,285 $2,259 $2,427 $2,453 $1,637 $1,712 $1,553USAA Casualty Insurance Company $1,794 $1,860 $1,468 $2,605 $2,796 $2,824 $1,874 $1,791 $1,779USAA General Indemnity Company $1,575 $1,544 $1,312 $2,247 $2,415 $2,419 $1,643 $1,575 $1,568

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

46

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE B - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,145 $1,159 $1,106 $1,626 $2,172 $2,316 $1,421 $1,201 $1,145Allstate Indemnity Company $2,523 $2,864 $2,668 $3,495 $3,954 $4,606 $2,925 $2,995 $2,864American Access Casualty Company $3,712 $10,880 $4,990 $4,662 $5,333 $5,806 $4,554 $4,688 N/AAmerican Family Insurance Company $987 $1,458 $1,231 $1,772 $2,195 $2,292 $1,559 $1,174 $971CSAA General Insurance Company $1,580 $1,623 $1,654 $2,444 $2,933 $3,029 $2,170 $1,687 $2,103Encompass Home and Auto Insurance Company $2,475 $2,406 $2,519 $3,504 $4,325 $4,690 $3,375 $2,637 $2,579Esurance Property & Casualty Insurance Company $1,862 $1,718 $1,828 $3,048 $3,260 $4,073 $2,881 $2,095 $2,273Farmers Insurance Exchange $2,031 $1,882 $1,626 $3,343 $3,590 $4,049 $3,537 $2,052 $2,118Garrison Property & Casualty Insurance Company $1,511 $1,355 $1,159 $1,893 $2,022 $2,022 $1,355 $1,504 $1,386GEICO Advantage Insurance Company $1,284 $1,066 $1,055 $1,383 $1,595 $1,701 $1,274 $1,066 $1,315GEICO Choice Insurance Company $993 $826 $816 $1,058 $1,207 $1,292 $982 $826 $1,017GEICO Secure Insurance Company $1,575 $1,303 $1,287 $1,685 $1,929 $2,069 $1,558 $1,303 $1,614Hartford Accident and Indemnity Company $1,902 $1,923 $1,285 $2,464 $3,278 $3,504 $2,260 $1,879 $2,059Key Insurance Company $2,092 $2,206 $2,206 $2,902 $3,226 $3,658 $2,512 $2,386 $2,368Liberty Mutual General Insurance Company $2,376 $2,561 $3,348 $4,332 $5,203 $5,981 $3,299 $3,554 $5,155Loya Insurance Company $2,488 $2,488 $2,488 $2,302 $2,297 $2,422 $2,455 $2,488 $2,488Nevada Capital Insurance Company $2,765 $2,522 $2,522 $4,727 $5,169 $6,668 $2,522 $2,993 $3,839Nevada General Insurance Company $3,012 $3,348 $3,348 $3,762 $4,566 $4,998 $4,008 $3,144 $3,348Primero Insurance Company $2,436 $2,436 $2,286 $3,534 $3,942 $3,942 $3,534 $2,591 $2,286Progressive Direct Insurance Company $778 $690 $739 $1,161 $1,437 $1,552 $1,096 $908 $812Progressive Northern Insurance Company $1,040 $937 $970 $1,631 $2,055 $2,176 $1,391 $1,161 $1,087Safeco Insurance Company of Illinois $651 $664 $642 $1,006 $1,052 $1,314 $904 $705 $640Standard Fire Insurance Company $1,408 $1,413 $1,297 $2,158 $2,609 $3,014 $1,918 $1,569 $1,884State Farm Fire & Casualty Company $2,956 $2,789 $2,680 $4,123 $5,589 $5,079 $3,125 $2,747 $3,730State Farm Mutual Automobile Insurance Company $2,214 $2,077 $2,002 $3,061 $4,148 $3,739 $2,332 $2,047 $2,803Trumbull Insurance Company $1,987 $1,887 $1,763 $2,647 $3,293 $3,243 $2,476 $1,973 $2,189United Services Automobile Association $1,314 $1,294 $1,087 $1,805 $1,927 $1,948 $1,363 $1,436 $1,319USAA Casualty Insurance Company $1,511 $1,592 $1,244 $2,091 $2,233 $2,259 $1,564 $1,521 $1,513USAA General Indemnity Company $1,366 $1,344 $1,146 $1,864 $1,991 $1,992 $1,411 $1,380 $1,371

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

47

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE B - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,360 $1,372 $1,321 $2,205 $3,086 $3,286 $1,798 $1,413 $1,360Allstate Indemnity Company $2,960 $3,266 $3,023 $4,449 $5,141 $5,947 $3,386 $3,569 $3,266American Access Casualty Company $3,993 $11,643 $5,477 $5,115 $5,941 $6,374 $4,967 $5,139 N/AAmerican Family Insurance Company $1,124 $1,711 $1,441 $2,156 $2,757 $2,885 $1,846 $1,351 $1,097CSAA General Insurance Company $1,644 $1,651 $1,664 $2,701 $3,301 $3,398 $2,284 $1,726 $2,158Encompass Home and Auto Insurance Company $2,287 $2,210 $2,315 $3,323 $4,085 $4,445 $3,147 $2,420 $2,365Esurance Property & Casualty Insurance Company $2,668 $2,398 $2,620 $5,067 $5,470 $6,915 $4,652 $2,905 $3,179Farmers Insurance Exchange $2,234 $2,138 $1,874 $4,442 $4,529 $5,508 $4,837 $2,563 $2,449Garrison Property & Casualty Insurance Company $1,808 $1,617 $1,375 $2,409 $2,580 $2,586 $1,617 $1,815 $1,642GEICO Advantage Insurance Company $1,715 $1,484 $1,473 $2,070 $2,473 $2,672 $1,749 $1,484 $1,747GEICO Choice Insurance Company $1,301 $1,126 $1,117 $1,554 $1,837 $1,999 $1,324 $1,126 $1,326GEICO Secure Insurance Company $2,159 $1,866 $1,850 $2,625 $3,138 $3,403 $2,203 $1,866 $2,204Hartford Accident and Indemnity Company $2,325 $2,264 $1,526 $3,300 $4,444 $4,814 $2,947 $2,255 $2,477Liberty Mutual General Insurance Company $3,025 $3,260 $4,262 $5,515 $6,623 $7,613 $4,199 $4,524 $6,562Nevada Capital Insurance Company $3,021 $2,758 $2,758 $5,446 $5,990 $7,627 $2,758 $3,281 $4,132Progressive Direct Insurance Company $1,198 $1,006 $1,117 $2,011 $2,589 $2,822 $1,838 $1,435 $1,203Progressive Northern Insurance Company $1,632 $1,432 $1,500 $2,915 $3,808 $4,030 $2,331 $1,864 $1,668Safeco Insurance Company of Illinois $774 $771 $754 $1,294 $1,366 $1,729 $1,126 $822 $745Standard Fire Insurance Company $1,598 $1,580 $1,449 $2,644 $3,309 $3,819 $2,306 $1,822 $2,260State Farm Fire & Casualty Company $3,793 $3,510 $3,375 $5,587 $7,625 $6,983 $4,009 $3,498 $4,651State Farm Mutual Automobile Insurance Company $2,779 $2,562 $2,469 $4,050 $5,527 $5,017 $2,937 $2,554 $3,430Trumbull Insurance Company $2,167 $2,025 $1,901 $3,152 $3,984 $3,960 $2,914 $2,125 $2,376United Services Automobile Association $1,536 $1,502 $1,260 $2,250 $2,413 $2,440 $1,607 $1,688 $1,522USAA Casualty Insurance Company $1,768 $1,831 $1,447 $2,603 $2,786 $2,816 $1,849 $1,772 $1,749USAA General Indemnity Company $1,525 $1,491 $1,263 $2,213 $2,372 $2,377 $1,591 $1,534 $1,514

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventeen-year-old single male. Average student (“C” average). One ticket for driving 20 miles over the speed limit within past 12 months. Drives 10 miles, round trip, to school daily. Annual mileage is 2,900. Rated on father’s policy from Example E. Multi-car discount applies.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

48

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE C - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,159 $1,199 $1,141 $1,509 $1,956 $2,077 $1,375 $1,221 $1,159Allstate Indemnity Company $2,026 $2,400 $2,226 $2,750 $3,121 $3,646 $2,405 $2,395 $2,400American Access Casualty Company $1,453 $3,979 $1,824 $1,717 $1,881 $2,095 $1,700 $1,729 N/AAmerican Family Insurance Company $683 $939 $817 $1,130 $1,387 $1,451 $1,013 $788 $676CSAA General Insurance Company $921 $964 $976 $1,446 $1,750 $1,809 $1,268 $991 $1,227Encompass Home and Auto Insurance Company $1,171 $1,168 $1,210 $1,646 $2,030 $2,195 $1,588 $1,253 $1,221Esurance Property & Casualty Insurance Company $1,059 $1,001 $1,043 $1,626 $1,738 $2,123 $1,550 $1,169 $1,240Farmers Insurance Exchange $1,265 $1,181 $1,003 $1,598 $1,809 $1,912 $1,767 $1,137 $1,260Garrison Property & Casualty Insurance Company $1,100 $1,011 $881 $1,327 $1,419 $1,422 $1,011 $1,089 $1,027GEICO Advantage Insurance Company $1,232 $1,038 $1,016 $1,355 $1,581 $1,685 $1,228 $1,038 $1,273GEICO Choice Insurance Company $1,085 $922 $901 $1,173 $1,352 $1,441 $1,079 $922 $1,118GEICO Secure Insurance Company $1,100 $933 $910 $1,175 $1,341 $1,441 $1,092 $933 $1,134Hartford Accident and Indemnity Company $960 $981 $687 $1,276 $1,678 $1,800 $1,164 $946 $1,033Key Insurance Company $956 $986 $986 $1,244 $1,364 $1,580 $1,178 $1,022 $1,100Liberty Mutual General Insurance Company $1,484 $1,599 $2,091 $2,706 $3,250 $3,736 $2,060 $2,220 $3,220Loya Insurance Company $2,346 $2,346 $2,346 $2,172 $2,168 $2,285 $2,314 $2,346 $2,346Nevada Capital Insurance Company $1,131 $1,027 $1,027 $2,036 $2,243 $2,855 $1,027 $1,216 $1,541Nevada Direct Insurance Company $948 $678 $780 $1,176 $1,518 $1,320 $1,176 $1,092 $780Nevada General Insurance Company $1,944 $2,142 $2,142 $2,412 $2,904 $3,180 $2,538 $2,022 $2,142Primero Insurance Company $3,732 $3,732 $3,546 $5,064 $5,568 $5,568 $5,064 $3,936 $3,546Progressive Direct Insurance Company $829 $747 $791 $1,207 $1,482 $1,601 $1,145 $960 $860Progressive Northern Insurance Company $1,252 $1,132 $1,170 $1,945 $2,448 $2,601 $1,664 $1,395 $1,302Safeco Insurance Company of Illinois $694 $717 $692 $1,024 $1,068 $1,321 $928 $756 $689Standard Fire Insurance Company $818 $823 $763 $1,213 $1,453 $1,678 $1,083 $900 $1,049State Farm Fire & Casualty Company $1,274 $1,221 $1,170 $1,758 $2,360 $2,184 $1,337 $1,197 $1,595State Farm Mutual Automobile Insurance Company $874 $834 $800 $1,200 $1,619 $1,483 $919 $817 $1,110Trumbull Insurance Company $1,161 $1,116 $1,048 $1,546 $1,907 $1,884 $1,450 $1,159 $1,274United Services Automobile Association $765 $762 $655 $1,005 $1,074 $1,087 $798 $822 $774USAA Casualty Insurance Company $801 $853 $682 $1,063 $1,135 $1,150 $834 $796 $808USAA General Indemnity Company $865 $859 $747 $1,135 $1,215 $1,214 $897 $861 $874

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

49

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE C - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,281 $1,317 $1,263 $1,856 $2,511 $2,668 $1,610 $1,339 $1,281Allstate Indemnity Company $2,287 $2,618 $2,422 $3,358 $3,874 $4,482 $2,664 $2,740 $2,618American Access Casualty Company $1,582 $4,242 $2,011 $1,893 $2,101 $2,304 $1,866 $1,905 N/AAmerican Family Insurance Company $766 $1,086 $941 $1,355 $1,718 $1,803 $1,184 $895 $752CSAA General Insurance Company $990 $1,008 $1,008 $1,657 $2,043 $2,110 $1,381 $1,041 $1,300Encompass Home and Auto Insurance Company $1,212 $1,196 $1,242 $1,746 $2,147 $2,330 $1,658 $1,287 $1,254Esurance Property & Casualty Insurance Company $1,459 $1,344 $1,438 $2,612 $2,814 $3,515 $2,417 $1,569 $1,686Farmers Insurance Exchange $1,061 $1,002 $868 $1,636 $1,737 $2,011 $1,857 $1,073 $1,097Garrison Property & Casualty Insurance Company $1,325 $1,212 $1,053 $1,679 $1,797 $1,803 $1,212 $1,318 $1,226GEICO Advantage Insurance Company $1,634 $1,426 $1,404 $2,005 $2,419 $2,614 $1,674 $1,426 $1,677GEICO Choice Insurance Company $1,397 $1,225 $1,204 $1,678 $2,002 $2,158 $1,426 $1,225 $1,433GEICO Secure Insurance Company $1,469 $1,286 $1,264 $1,769 $2,105 $2,287 $1,499 $1,286 $1,508Hartford Accident and Indemnity Company $1,196 $1,167 $815 $1,753 $2,351 $2,555 $1,556 $1,154 $1,267Liberty Mutual General Insurance Company $1,850 $1,993 $2,606 $3,372 $4,050 $4,656 $2,568 $2,766 $4,012Nevada Capital Insurance Company $1,274 $1,163 $1,163 $2,449 $2,704 $3,400 $1,163 $1,375 $1,703Progressive Direct Insurance Company $1,245 $1,060 $1,166 $2,037 $2,603 $2,840 $1,871 $1,478 $1,245Progressive Northern Insurance Company $1,999 $1,754 $1,840 $3,517 $4,581 $4,871 $2,824 $2,267 $2,022Safeco Insurance Company of Illinois $765 $777 $756 $1,211 $1,276 $1,597 $1,053 $819 $747Standard Fire Insurance Company $927 $913 $848 $1,481 $1,830 $2,114 $1,298 $1,040 $1,248State Farm Fire & Casualty Company $1,735 $1,618 $1,556 $2,565 $3,460 $3,246 $1,794 $1,606 $2,087State Farm Mutual Automobile Insurance Company $1,145 $1,068 $1,027 $1,674 $2,271 $2,104 $1,195 $1,060 $1,402Trumbull Insurance Company $1,294 $1,218 $1,150 $1,882 $2,361 $2,355 $1,741 $1,273 $1,412United Services Automobile Association $899 $888 $761 $1,246 $1,335 $1,350 $941 $973 $897USAA Casualty Insurance Company $951 $989 $802 $1,322 $1,412 $1,428 $992 $944 $945USAA General Indemnity Company $960 $949 $818 $1,330 $1,426 $1,427 $1,003 $956 $959

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

50

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE C - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,074 $1,100 $1,050 $1,428 $1,858 $1,976 $1,294 $1,126 $1,074Allstate Indemnity Company $2,071 $2,365 $2,200 $2,875 $3,259 $3,782 $2,405 $2,462 $2,365American Access Casualty Company $1,237 $3,347 $1,595 $1,501 $1,682 $1,831 $1,473 $1,512 N/AAmerican Family Insurance Company $641 $884 $772 $1,083 $1,348 $1,413 $961 $741 $633CSAA General Insurance Company $937 $973 $990 $1,465 $1,763 $1,831 $1,297 $1,005 $1,250Encompass Home and Auto Insurance Company $1,376 $1,351 $1,409 $1,949 $2,406 $2,610 $1,885 $1,469 $1,432Esurance Property & Casualty Insurance Company $1,072 $1,010 $1,058 $1,654 $1,760 $2,163 $1,577 $1,186 $1,269Farmers Insurance Exchange $1,454 $1,325 $1,135 $2,063 $2,310 $2,458 $2,138 $1,342 $1,466Garrison Property & Casualty Insurance Company $1,038 $944 $819 $1,269 $1,353 $1,355 $944 $1,029 $962GEICO Advantage Insurance Company $1,256 $1,048 $1,034 $1,369 $1,587 $1,697 $1,250 $1,048 $1,288GEICO Choice Insurance Company $1,101 $927 $913 $1,181 $1,353 $1,445 $1,094 $927 $1,128GEICO Secure Insurance Company $1,117 $937 $922 $1,184 $1,343 $1,447 $1,107 $937 $1,145Hartford Accident and Indemnity Company $959 $991 $693 $1,234 $1,615 $1,724 $1,141 $963 $1,036Key Insurance Company $848 $884 $884 $1,130 $1,250 $1,436 $1,040 $932 $974Liberty Mutual General Insurance Company $1,389 $1,497 $1,957 $2,533 $3,042 $3,496 $1,928 $2,078 $3,013Loya Insurance Company $2,145 $2,145 $2,145 $1,977 $1,974 $2,089 $2,115 $2,145 $2,145Nevada Capital Insurance Company $1,237 $1,131 $1,131 $2,122 $2,315 $2,985 $1,131 $1,340 $1,711Nevada Direct Insurance Company $1,686 $1,320 $1,518 $2,394 $3,084 $2,436 $2,394 $2,130 $1,522Nevada General Insurance Company $2,052 $2,268 $2,268 $2,562 $3,108 $3,384 $2,712 $2,148 $2,268Primero Insurance Company $2,496 $2,496 $2,358 $3,576 $3,924 $3,924 $3,576 $2,640 $2,358Progressive Direct Insurance Company $884 $796 $842 $1,281 $1,570 $1,694 $1,218 $1,025 $923Progressive Northern Insurance Company $1,340 $1,210 $1,252 $2,069 $2,600 $2,760 $1,777 $1,495 $1,401Safeco Insurance Company of Illinois $699 $723 $696 $1,025 $1,069 $1,327 $938 $762 $694State Farm Fire & Casualty Company $1,233 $1,172 $1,127 $1,713 $2,302 $2,123 $1,292 $1,153 $1,536State Farm Mutual Automobile Insurance Company $843 $798 $767 $1,166 $1,576 $1,439 $885 $784 $1,066Trumbull Insurance Company $1,248 $1,201 $1,128 $1,599 $1,962 $1,930 $1,504 $1,258 $1,369United Services Automobile Association $725 $719 $614 $968 $1,032 $1,044 $754 $783 $729USAA Casualty Insurance Company $763 $805 $643 $1,028 $1,095 $1,108 $790 $763 $766USAA General Indemnity Company $812 $802 $692 $1,085 $1,159 $1,159 $840 $817 $817

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

51

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE C - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,209 $1,231 $1,185 $1,798 $2,448 $2,605 $1,552 $1,257 $1,209Allstate Indemnity Company $2,428 $2,688 $2,487 $3,660 $4,234 $4,874 $2,775 $2,931 $2,688American Access Casualty Company $1,366 $3,610 $1,782 $1,677 $1,902 $2,040 $1,639 $1,685 N/AAmerican Family Insurance Company $732 $1,041 $904 $1,325 $1,704 $1,792 $1,145 $856 $717CSAA General Insurance Company $1,005 $1,017 $1,023 $1,682 $2,062 $2,140 $1,413 $1,056 $1,322Encompass Home and Auto Insurance Company $1,422 $1,385 $1,447 $2,061 $2,541 $2,766 $1,971 $1,508 $1,469Esurance Property & Casualty Insurance Company $1,496 $1,373 $1,477 $2,693 $2,893 $3,632 $2,492 $1,610 $1,739Farmers Insurance Exchange $1,254 $1,162 $1,015 $2,124 $2,244 $2,602 $2,279 $1,298 $1,318Garrison Property & Casualty Insurance Company $1,273 $1,158 $1,005 $1,642 $1,753 $1,757 $1,158 $1,273 $1,172GEICO Advantage Insurance Company $1,671 $1,452 $1,437 $2,047 $2,457 $2,675 $1,713 $1,452 $1,705GEICO Choice Insurance Company $1,424 $1,240 $1,226 $1,706 $2,027 $2,198 $1,453 $1,240 $1,452GEICO Secure Insurance Company $1,496 $1,302 $1,287 $1,800 $2,132 $2,333 $1,528 $1,302 $1,527Hartford Accident and Indemnity Company $1,169 $1,156 $807 $1,654 $2,201 $2,385 $1,484 $1,151 $1,241Liberty Mutual General Insurance Company $1,731 $1,866 $2,439 $3,156 $3,791 $4,357 $2,403 $2,589 $3,755Nevada Capital Insurance Company $1,374 $1,260 $1,260 $2,519 $2,756 $3,507 $1,260 $1,492 $1,865Progressive Direct Insurance Company $1,306 $1,114 $1,223 $2,131 $2,719 $2,962 $1,960 $1,552 $1,315Progressive Northern Insurance Company $2,094 $1,837 $1,927 $3,670 $4,774 $5,067 $2,956 $2,378 $2,131Safeco Insurance Company of Illinois $770 $783 $760 $1,215 $1,280 $1,607 $1,070 $826 $752State Farm Fire & Casualty Company $1,694 $1,569 $1,512 $2,520 $3,403 $3,185 $1,748 $1,562 $2,029State Farm Mutual Automobile Insurance Company $1,114 $1,032 $994 $1,640 $2,228 $2,060 $1,161 $1,027 $1,358Trumbull Insurance Company $1,352 $1,276 $1,205 $1,880 $2,343 $2,329 $1,745 $1,345 $1,473United Services Automobile Association $873 $859 $736 $1,231 $1,314 $1,329 $912 $947 $866USAA Casualty Insurance Company $926 $958 $778 $1,305 $1,391 $1,406 $963 $923 $917USAA General Indemnity Company $922 $904 $778 $1,300 $1,389 $1,394 $960 $924 $918

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Twenty-three-year-old single female. One “at fault” accident within past 12 months (under $1000 damage). Attends college full-time and maintains “B” average grades. Drives 10 miles, round trip, to school and her part-time job daily. Annual mileage is 12,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

52

Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

EXAMPLE D - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,027 $1,060 $1,011 $1,333 $1,724 $1,825 $1,210 $1,079 $1,027Allstate Indemnity Company $1,337 $1,633 $1,507 $1,826 $2,090 $2,443 $1,615 $1,581 $1,633American Access Casualty Company $1,244 $3,349 $1,554 $1,464 $1,601 $1,779 $1,450 $1,474 N/AAmerican Family Insurance Company $732 $988 $864 $1,169 $1,411 $1,479 $1,070 $843 $729CSAA General Insurance Company $891 $944 $951 $1,415 $1,724 $1,786 $1,232 $963 $1,189Encompass Home and Auto Insurance Company $730 $731 $754 $1,022 $1,249 $1,348 $974 $779 $760Esurance Property & Casualty Insurance Company $1,234 $1,170 $1,217 $1,911 $2,046 $2,498 $1,818 $1,356 $1,435Farmers Insurance Exchange $1,124 $1,054 $901 $1,479 $1,652 $1,785 $1,645 $1,036 $1,133Garrison Property & Casualty Insurance Company $705 $651 $569 $843 $899 $901 $651 $695 $659GEICO Choice Insurance Company $691 $600 $584 $738 $838 $897 $689 $600 $710GEICO Secure Insurance Company $741 $648 $631 $788 $889 $955 $740 $648 $760Hartford Accident and Indemnity Company $689 $735 $521 $884 $1,146 $1,225 $820 $700 $747Key Insurance Company $662 $692 $692 $872 $956 $1,100 $812 $722 $752Liberty Mutual General Insurance Company $862 $929 $1,215 $1,572 $1,888 $2,170 $1,197 $1,289 $1,870Loya Insurance Company $2,075 $2,075 $2,075 $1,928 $1,925 $2,024 $2,051 $2,075 $2,075Nevada Capital Insurance Company $756 $687 $687 $1,362 $1,498 $1,906 $687 $811 $1,024Nevada Direct Insurance Company $450 $312 $360 $444 $570 $510 $444 $504 $360Nevada General Insurance Company $1,314 $1,428 $1,428 $1,596 $1,908 $2,088 $1,674 $1,356 $1,428Primero Insurance Company $1,638 $1,638 $1,554 $2,226 $2,454 $2,454 $2,226 $1,728 $1,554Progressive Direct Insurance Company $617 $567 $594 $866 $1,050 $1,139 $827 $708 $633Progressive Northern Insurance Company $818 $750 $772 $1,272 $1,606 $1,720 $1,087 $918 $845Safeco Insurance Company of Illinois $416 $430 $418 $604 $632 $778 $551 $453 $414Standard Fire Insurance Company $613 $617 $573 $911 $1,093 $1,260 $812 $675 $791State Farm Fire & Casualty Company $1,200 $1,158 $1,109 $1,649 $2,199 $2,048 $1,263 $1,136 $1,489Trumbull Insurance Company $749 $739 $696 $979 $1,200 $1,185 $923 $765 $828United Services Automobile Association $580 $581 $503 $749 $800 $809 $606 $620 $587USAA Casualty Insurance Company $635 $680 $547 $830 $884 $896 $662 $631 $642USAA General Indemnity Company $604 $602 $527 $781 $835 $835 $627 $600 $611

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

53

EXAMPLE D - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,240 $1,273 $1,224 $1,830 $2,495 $2,650 $1,587 $1,292 $1,240Allstate Indemnity Company $1,615 $1,904 $1,753 $2,404 $2,802 $3,229 $1,908 $1,938 $1,904American Access Casualty Company $1,363 $3,580 $1,720 $1,623 $1,797 $1,965 $1,601 $1,632 N/AAmerican Family Insurance Company $811 $1,123 $977 $1,377 $1,716 $1,805 $1,229 $942 $802CSAA General Insurance Company $1,196 $1,229 $1,223 $2,045 $2,539 $2,638 $1,687 $1,258 $1,570Encompass Home and Auto Insurance Company $780 $773 $799 $1,126 $1,362 $1,477 $1,040 $825 $805Esurance Property & Casualty Insurance Company $1,782 $1,644 $1,760 $3,229 $3,479 $4,366 $2,981 $1,904 $2,042Farmers Insurance Exchange $1,020 $974 $849 $1,676 $1,748 $2,079 $1,916 $1,074 $1,072Garrison Property & Casualty Insurance Company $846 $778 $680 $1,064 $1,136 $1,138 $778 $843 $787GEICO Choice Insurance Company $934 $837 $822 $1,110 $1,302 $1,411 $953 $837 $954GEICO Secure Insurance Company $1,029 $926 $909 $1,233 $1,446 $1,572 $1,052 $926 $1,050Hartford Accident and Indemnity Company $814 $826 $586 $1,148 $1,517 $1,643 $1,035 $807 $868Liberty Mutual General Insurance Company $1,225 $1,320 $1,726 $2,234 $2,683 $3,084 $1,701 $1,832 $2,658Nevada Capital Insurance Company $864 $790 $790 $1,682 $1,849 $2,326 $790 $931 $1,147Progressive Direct Insurance Company $901 $781 $849 $1,418 $1,793 $1,961 $1,312 $1,057 $893Progressive Northern Insurance Company $1,350 $1,191 $1,248 $2,396 $3,131 $3,346 $1,915 $1,540 $1,354Safeco Insurance Company of Illinois $455 $462 $452 $710 $749 $932 $623 $487 $446Standard Fire Insurance Company $700 $692 $642 $1,125 $1,399 $1,612 $985 $789 $955State Farm Fire & Casualty Company $1,639 $1,536 $1,475 $2,416 $3,243 $3,055 $1,694 $1,523 $1,956Trumbull Insurance Company $797 $768 $724 $1,144 $1,430 $1,427 $1,060 $802 $873United Services Automobile Association $684 $678 $586 $928 $991 $1,003 $715 $734 $682USAA Casualty Insurance Company $757 $791 $648 $1,031 $1,101 $1,112 $789 $749 $754USAA General Indemnity Company $671 $664 $577 $913 $977 $979 $700 $665 $671

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

54

EXAMPLE D - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $948 $969 $926 $1,257 $1,632 $1,729 $1,135 $992 $948Allstate Indemnity Company $1,327 $1,551 $1,438 $1,856 $2,119 $2,458 $1,561 $1,578 $1,551American Access Casualty Company $1,064 $2,823 $1,364 $1,284 $1,434 $1,559 $1,261 $1,292 N/AAmerican Family Insurance Company $682 $921 $808 $1,109 $1,358 $1,426 $1,005 $784 $677CSAA General Insurance Company $899 $942 $957 $1,427 $1,729 $1,802 $1,252 $967 $1,202Encompass Home and Auto Insurance Company $849 $837 $870 $497 $1,467 $1,588 $1,146 $905 $883Esurance Property & Casualty Insurance Company $1,246 $1,175 $1,230 $1,940 $2,066 $2,541 $1,843 $1,371 $1,462Farmers Insurance Exchange $1,286 $1,178 $1,015 $1,904 $2,102 $2,288 $1,990 $1,221 $1,315Garrison Property & Casualty Insurance Company $664 $608 $530 $804 $856 $858 $608 $658 $617GEICO Choice Insurance Company $700 $600 $590 $743 $839 $899 $696 $600 $715GEICO Secure Insurance Company $750 $648 $637 $794 $891 $958 $747 $648 $765Hartford Accident and Indemnity Company $692 $746 $526 $866 $1,115 $1,188 $811 $715 $754Key Insurance Company $596 $632 $632 $806 $884 $1,010 $722 $668 $674Liberty Mutual General Insurance Company $974 $1,049 $1,372 $1,775 $2,132 $2,451 $1,352 $1,456 $2,112Loya Insurance Company $1,891 $1,891 $1,891 $1,750 $1,748 $1,845 $1,867 $1,891 $1,891Nevada Capital Insurance Company $798 $731 $731 $1,371 $1,491 $1,921 $731 $860 $1,096Nevada Direct Insurance Company $1,128 $900 $1,038 $1,572 $2,010 $1,548 $1,572 $1,446 $1,038Nevada General Insurance Company $1,392 $1,512 $1,512 $1,698 $2,022 $2,214 $1,782 $1,428 $1,512Primero Insurance Company $1,104 $1,104 $1,044 $1,584 $1,746 $1,746 $1,584 $1,164 $1,044Progressive Direct Insurance Company $648 $595 $625 $906 $1,098 $1,188 $868 $745 $668Progressive Northern Insurance Company $865 $791 $814 $1,337 $1,684 $1,801 $1,148 $971 $898Safeco Insurance Company of Illinois $420 $434 $422 $607 $634 $783 $559 $457 $418State Farm Fire & Casualty Company $1,162 $1,112 $1,067 $1,607 $2,144 $1,990 $1,220 $1,094 $1,434Trumbull Insurance Company $803 $791 $742 $1,014 $1,235 $1,215 $957 $826 $884United Services Automobile Association $545 $543 $468 $719 $765 $774 $568 $589 $551USAA Casualty Insurance Company $604 $639 $514 $801 $851 $861 $626 $603 $607USAA General Indemnity Company $565 $560 $486 $744 $793 $793 $585 $566 $570

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

55

EXAMPLE D - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,173 $1,193 $1,151 $1,780 $2,442 $2,598 $1,536 $1,217 $1,173Allstate Indemnity Company $1,667 $1,882 $1,737 $2,555 $2,983 $3,417 $1,920 $2,017 $1,882American Access Casualty Company $1,183 $3,054 $1,530 $1,443 $1,630 $1,745 $1,412 $1,450 N/AAmerican Family Insurance Company $768 $1,066 $930 $1,334 $1,689 $1,781 $1,178 $893 $757CSAA General Insurance Company $1,213 $1,234 $1,234 $2,078 $2,572 $2,686 $1,724 $1,271 $1,593Encompass Home and Auto Insurance Company $902 $882 $917 $1,309 $1,590 $1,728 $1,220 $953 $930Esurance Property & Casualty Insurance Company $1,826 $1,676 $1,805 $3,336 $3,584 $4,517 $3,077 $1,951 $2,106Farmers Insurance Exchange $1,204 $1,132 $992 $2,173 $2,256 $2,686 $2,354 $1,301 $1,290Garrison Property & Casualty Insurance Company $816 $744 $649 $1,039 $1,107 $1,111 $744 $814 $752GEICO Choice Insurance Company $950 $846 $836 $1,130 $1,321 $1,440 $970 $846 $966GEICO Secure Insurance Company $1,045 $935 $924 $1,255 $1,467 $1,606 $1,070 $935 $1,062Hartford Accident and Indemnity Company $806 $825 $584 $1,098 $1,439 $1,558 $1,002 $815 $858Liberty Mutual General Insurance Company $1,165 $1,256 $1,642 $2,124 $2,551 $2,933 $1,617 $1,742 $2,527Nevada Capital Insurance Company $898 $828 $828 $1,672 $1,821 $2,317 $828 $973 $1,210Progressive Direct Insurance Company $929 $806 $876 $1,459 $1,839 $2,009 $1,352 $1,091 $928Progressive Northern Insurance Company $1,391 $1,230 $1,286 $2,455 $3,203 $3,416 $1,971 $1,588 $1,407Safeco Insurance Company of Illinois $460 $467 $456 $715 $754 $942 $635 $492 $450State Farm Fire & Casualty Company $1,600 $1,489 $1,434 $2,373 $3,188 $2,997 $1,650 $1,482 $1,901Trumbull Insurance Company $832 $801 $757 $1,145 $1,423 $1,415 $1,064 $844 $909United Services Automobile Association $660 $651 $563 $914 $974 $985 $690 $713 $657USAA Casualty Insurance Company $734 $762 $625 $1,017 $1,084 $1,095 $766 $732 $730USAA General Indemnity Company $642 $632 $548 $890 $952 $954 $669 $641 $639

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

56

EXAMPLE E - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $561 $581 $555 $778 $1,035 $1,085 $649 $589 $561Allstate Indemnity Company $966 $1,186 $1,093 $1,337 $1,533 $1,789 $1,170 $1,142 $1,186American Access Casualty Company $1,040 $2,730 $1,288 $1,217 $1,325 $1,469 $1,063 $1,223 N/AAmerican Family Insurance Company $447 $574 $514 $683 $828 $872 $634 $505 $447CSAA General Insurance Company $575 $614 $620 $903 $1,095 $1,131 $793 $624 $772Encompass Home and Auto Insurance Company $731 $732 $753 $1,029 $1,229 $1,328 $943 $774 $757Esurance Property & Casualty Insurance Company $567 $540 $560 $901 $971 $1,193 $857 $629 $666Farmers Insurance Exchange $844 $804 $698 $1,277 $1,349 $1,565 $1,488 $848 $846Garrison Property & Casualty Insurance Company $453 $421 $371 $540 $575 $576 $421 $449 $425GEICO Advantage Insurance Company $264 $232 $225 $285 $326 $349 $265 $232 $270GEICO Choice Insurance Company $379 $334 $324 $403 $456 $491 $379 $334 $388GEICO Secure Insurance Company $489 $428 $414 $522 $595 $642 $490 $428 $502Hartford Accident and Indemnity Company $344 $373 $262 $453 $588 $630 $415 $357 $373Key Insurance Company $1,042 $1,102 $1,102 $1,378 $1,492 $1,708 $1,282 $1,138 $1,186Liberty Mutual General Insurance Company $887 $955 $1,249 $1,616 $1,941 $2,232 $1,231 $1,326 $1,923Loya Insurance Company $912 $912 $912 $858 $855 $893 $901 $912 $912Nevada Capital Insurance Company $520 $474 $474 $940 $1,031 $1,311 $474 $557 $700Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $834 $906 $906 $1,002 $1,188 $1,302 $1,050 $846 $906Primero Insurance Company $1,008 $1,008 $966 $1,428 $1,566 $1,566 $1,428 $1,068 $966Progressive Direct Insurance Company $308 $280 $296 $456 $566 $618 $432 $360 $315Progressive Northern Insurance Company $417 $384 $395 $666 $849 $913 $563 $471 $428Safeco Insurance Company of Illinois $235 $243 $237 $344 $362 $447 $316 $256 $234Standard Fire Insurance Company $427 $429 $399 $644 $775 $896 $571 $473 $553State Farm Fire & Casualty Company $624 $601 $573 $872 $1,176 $1,097 $657 $588 $780State Farm Mutual Automobile Insurance Company $493 $476 $454 $682 $920 $851 $521 $465 $623Trumbull Insurance Company $485 $488 $460 $654 $804 $798 $612 $504 $536United Services Automobile Association $402 $403 $353 $515 $548 $553 $419 $429 $406USAA Casualty Insurance Company $424 $449 $368 $545 $582 $588 $440 $419 $426USAA General Indemnity Company $353 $352 $311 $447 $477 $476 $366 $351 $357

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

57

EXAMPLE E - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $682 $700 $676 $1,127 $1,591 $1,655 $817 $708 $682Allstate Indemnity Company $1,099 $1,292 $1,190 $1,668 $1,935 $2,226 $1,295 $1,312 $1,292American Access Casualty Company $1,150 $2,930 $1,436 $1,358 $1,495 $1,632 $1,339 $1,365 N/AAmerican Family Insurance Company $491 $645 $575 $795 $993 $1,049 $721 $560 $488CSAA General Insurance Company $613 $633 $634 $1,027 $1,266 $1,308 $857 $651 $810Encompass Home and Auto Insurance Company $767 $763 $782 $1,135 $1,318 $1,431 $967 $803 $787Esurance Property & Casualty Insurance Company $837 $771 $827 $1,556 $1,684 $2,121 $1,434 $899 $966Farmers Insurance Exchange $848 $818 $730 $1,604 $1,582 $2,007 $1,927 $982 $874Garrison Property & Casualty Insurance Company $547 $506 $445 $683 $729 $730 $506 $547 $510GEICO Advantage Insurance Company $369 $335 $328 $444 $525 $568 $379 $335 $376GEICO Choice Insurance Company $515 $468 $458 $614 $716 $785 $528 $468 $525GEICO Secure Insurance Company $692 $624 $611 $836 $989 $1,076 $711 $624 $707Hartford Accident and Indemnity Company $451 $441 $314 $656 $864 $942 $573 $451 $471Liberty Mutual General Insurance Company $1,115 $1,202 $1,571 $2,033 $2,442 $2,807 $1,548 $1,668 $2,419Nevada Capital Insurance Company $607 $559 $559 $1,202 $1,313 $1,652 $559 $653 $797Progressive Direct Insurance Company $493 $420 $463 $829 $1,074 $1,181 $759 $593 $486Progressive Northern Insurance Company $726 $643 $671 $1,339 $1,768 $1,889 $1,056 $839 $730Safeco Insurance Company of Illinois $263 $266 $261 $415 $439 $550 $368 $282 $257Standard Fire Insurance Company $493 $485 $450 $801 $1,000 $1,156 $698 $556 $674State Farm Fire & Casualty Company $881 $823 $789 $1,322 $1,787 $1,688 $908 $815 $1,054State Farm Mutual Automobile Insurance Company $666 $625 $598 $985 $1,333 $1,248 $693 $619 $808Trumbull Insurance Company $544 $529 $503 $832 $1,062 $1,067 $758 $558 $599United Services Automobile Association $481 $476 $415 $642 $685 $692 $501 $514 $479USAA Casualty Insurance Company $510 $532 $442 $686 $729 $737 $532 $505 $510USAA General Indemnity Company $378 $374 $330 $504 $536 $537 $393 $373 $378

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

58

EXAMPLE E - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $512 $524 $502 $729 $974 $1,021 $601 $535 $512Allstate Indemnity Company $954 $1,119 $1,036 $1,354 $1,548 $1,792 $1,124 $1,134 $1,119American Access Casualty Company $888 $2,286 $1,127 $1,065 $1,185 $1,285 $1,046 $1,068 N/AAmerican Family Insurance Company $427 $547 $492 $663 $815 $860 $610 $482 $426CSAA General Insurance Company $577 $610 $620 $907 $1,092 $1,135 $801 $626 $776Encompass Home and Auto Insurance Company $835 $825 $854 $1,183 $1,419 $1,537 $1,094 $884 $865Esurance Property & Casualty Insurance Company $569 $537 $563 $911 $974 $1,207 $865 $632 $676Farmers Insurance Exchange $939 $877 $764 $1,563 $1,644 $1,904 $1,729 $967 $953Garrison Property & Casualty Insurance Company $428 $393 $345 $515 $549 $549 $393 $424 $400GEICO Advantage Insurance Company $266 $231 $226 $286 $326 $349 $266 $231 $271GEICO Choice Insurance Company $381 $331 $325 $404 $455 $490 $381 $331 $389GEICO Secure Insurance Company $491 $423 $414 $523 $592 $639 $490 $423 $501Hartford Accident and Indemnity Company $345 $374 $264 $441 $569 $608 $407 $363 $375Key Insurance Company $946 $1,018 $1,018 $1,270 $1,384 $1,564 $1,150 $1,054 $1,066Liberty Mutual General Insurance Company $859 $926 $1,210 $1,566 $1,881 $2,162 $1,193 $1,285 $1,864Loya Insurance Company $843 $843 $843 $791 $791 $825 $834 $843 $843Nevada Capital Insurance Company $523 $481 $481 $901 $977 $1,258 $481 $563 $714Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $888 $954 $954 $1,056 $1,254 $1,368 $1,110 $906 $954Primero Insurance Company $714 $714 $684 $1,068 $1,170 $1,170 $1,068 $762 $684Progressive Direct Insurance Company $320 $292 $308 $470 $578 $633 $446 $375 $329Progressive Northern Insurance Company $432 $398 $407 $684 $866 $929 $581 $488 $447Safeco Insurance Company of Illinois $238 $246 $240 $348 $365 $453 $323 $260 $237Standard Fire Insurance Company $542 $549 $505 $817 $983 $1,140 $729 $604 $715State Farm Fire & Casualty Company $600 $573 $548 $847 $1,143 $1,062 $630 $562 $748State Farm Mutual Automobile Insurance Company $474 $453 $434 $662 $894 $823 $500 $445 $597Trumbull Insurance Company $381 $389 $366 $514 $641 $634 $479 $406 $429United Services Automobile Association $379 $378 $329 $493 $522 $530 $394 $407 $383USAA Casualty Insurance Company $402 $424 $346 $525 $559 $565 $416 $400 $403USAA General Indemnity Company $330 $328 $289 $426 $453 $453 $341 $330 $334

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

59

EXAMPLE E - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $639 $649 $629 $1,088 $1,545 $1,607 $778 $660 $639Allstate Indemnity Company $1,135 $1,279 $1,180 $1,770 $2,057 $2,353 $1,305 $1,366 $1,279American Access Casualty Company $998 $2,486 $1,275 $1,206 $1,355 $1,448 $1,180 $1,210 N/AAmerican Family Insurance Company $476 $625 $559 $785 $996 $1,056 $705 $543 $471CSAA General Insurance Company $618 $634 $635 $1,033 $1,269 $1,317 $870 $654 $814Encompass Home and Auto Insurance Company $861 $847 $874 $1,275 $1,493 $1,624 $1,106 $902 $884Esurance Property & Casualty Insurance Company $854 $781 $845 $1,604 $1,729 $2,188 $1,475 $917 $994Farmers Insurance Exchange $966 $919 $822 $1,949 $1,927 $2,431 $2,247 $1,137 $1,011Garrison Property & Casualty Insurance Company $527 $485 $425 $667 $709 $713 $485 $527 $489GEICO Advantage Insurance Company $374 $337 $332 $452 $532 $578 $384 $337 $380GEICO Choice Insurance Company $523 $471 $464 $625 $727 $803 $536 $471 $531GEICO Secure Insurance Company $699 $625 $616 $848 $999 $1,094 $718 $625 $711Hartford Accident and Indemnity Company $441 $437 $311 $625 $817 $891 $553 $450 $463Liberty Mutual General Insurance Company $1,085 $1,169 $1,529 $1,978 $2,376 $2,731 $1,506 $1,623 $2,354Nevada Capital Insurance Company $604 $560 $560 $1,146 $1,238 $1,575 $560 $651 $803Progressive Direct Insurance Company $499 $426 $470 $832 $1,071 $1,178 $763 $601 $495Progressive Northern Insurance Company $732 $648 $676 $1,338 $1,760 $1,878 $1,058 $846 $740Safeco Insurance Company of Illinois $268 $270 $265 $422 $446 $561 $380 $287 $261Standard Fire Insurance Company $619 $615 $565 $1,008 $1,258 $1,455 $883 $705 $861State Farm Fire & Casualty Company $857 $795 $764 $1,297 $1,754 $1,653 $881 $789 $1,022State Farm Mutual Automobile Insurance Company $647 $602 $578 $965 $1,307 $1,220 $672 $599 $782Trumbull Insurance Company $445 $437 $413 $680 $878 $881 $618 $466 $496United Services Automobile Association $464 $458 $399 $630 $670 $677 $483 $498 $459USAA Casualty Insurance Company $495 $511 $427 $675 $716 $725 $514 $494 $493USAA General Indemnity Company $362 $355 $312 $489 $520 $522 $374 $361 $360

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. Rates are shown for the husband's vehicle.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

60

EXAMPLE F - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449American Family Insurance Company $814 $1,105 $963 $1,313 $1,585 $1,658 $1,192 $936 $807CSAA General Insurance Company $2,136 $2,205 $2,230 $3,348 $4,069 $4,163 $2,898 $2,276 $2,820Encompass Home and Auto Insurance Company $6,284 $6,106 $6,406 $8,773 $11,006 $11,897 $8,615 $6,712 $6,597Esurance Property & Casualty Insurance Company $1,409 $1,334 $1,392 $2,164 $2,308 $2,845 $2,072 $1,576 $1,686Farmers Insurance Exchange $1,126 $1,059 $908 $1,494 $1,661 $1,808 $1,669 $1,045 $1,137Hartford Accident and Indemnity Company $946 $1,013 $708 $1,228 $1,601 $1,713 $1,136 $962 $1,029Key Insurance Company $1,094 $1,130 $1,130 $1,448 $1,604 $1,850 $1,334 $1,190 $1,250Liberty Mutual General Insurance Company $3,188 $3,435 $4,492 $5,812 $6,980 $8,024 $4,425 $4,767 $6,915Nevada Direct Insurance Company $1,392 $990 $1,146 $1,458 $1,836 $1,620 $1,458 $1,644 $1,146Nevada General Insurance Company $1,446 $1,590 $1,590 $1,812 $2,184 $2,376 $1,896 $1,512 $1,590Primero Insurance Company $1,902 $1,902 $1,812 $2,598 $2,862 $2,862 $2,598 $2,004 $1,812Progressive Direct Insurance Company $874 $790 $836 $1,264 $1,550 $1,681 $1,205 $1,016 $910Progressive Northern Insurance Company $1,371 $1,243 $1,284 $2,118 $2,663 $2,841 $1,821 $1,537 $1,428Safeco Insurance Company of Illinois $1,154 $1,188 $1,146 $1,755 $1,836 $2,281 $1,559 $1,251 $1,140Trumbull Insurance Company $1,198 $1,204 $1,128 $1,632 $2,022 $1,997 $1,533 $1,242 $1,341

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily. Annual mileage is 15,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

61

EXAMPLE F - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449American Family Insurance Company $900 $1,256 $1,089 $1,544 $1,925 $2,019 $1,368 $1,046 $887CSAA General Insurance Company $2,277 $2,289 $2,288 $3,795 $4,683 $4,770 $3,127 $2,381 $2,961Encompass Home and Auto Insurance Company $6,214 $5,989 $6,302 $8,832 $11,166 $12,110 $8,738 $6,611 $6,479Esurance Property & Casualty Insurance Company $1,920 $1,772 $1,897 $3,426 $3,685 $4,629 $3,183 $2,087 $2,255Farmers Insurance Exchange $1,055 $1,005 $877 $1,702 $1,779 $2,108 $1,952 $1,101 $1,101Hartford Accident and Indemnity Company $1,160 $1,174 $821 $1,658 $2,201 $2,390 $1,486 $1,150 $1,237Liberty Mutual General Insurance Company $4,073 $4,389 $5,739 $7,426 $8,918 $10,252 $5,654 $6,091 $8,835Progressive Direct Insurance Company $1,317 $1,124 $1,234 $2,141 $2,732 $2,990 $1,973 $1,566 $1,318Progressive Northern Insurance Company $2,195 $1,927 $2,023 $3,840 $4,994 $5,326 $3,095 $2,495 $2,217Safeco Insurance Company of Illinois $1,324 $1,340 $1,303 $2,173 $2,298 $2,892 $1,849 $1,410 $1,284Trumbull Insurance Company $1,352 $1,318 $1,241 $2,015 $2,547 $2,541 $1,865 $1,370 $1,497

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily. Annual mileage is 15,000.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

62

EXAMPLE F - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449American Family Insurance Company $755 $1,028 $898 $1,243 $1,522 $1,594 $1,117 $869 $747CSAA General Insurance Company $2,135 $2,197 $2,230 $3,337 $4,028 $4,142 $2,918 $2,274 $2,825Encompass Home and Auto Insurance Company $7,569 $7,291 $7,680 $10,670 $13,347 $14,473 $10,469 $8,077 $7,920Esurance Property & Casualty Insurance Company $1,439 $1,358 $1,425 $2,214 $2,351 $2,916 $2,122 $1,614 $1,739Farmers Insurance Exchange $1,277 $1,172 $1,012 $1,909 $2,098 $2,299 $2,007 $1,221 $1,307Hartford Accident and Indemnity Company $952 $1,028 $715 $1,200 $1,555 $1,661 $1,121 $984 $1,039Key Insurance Company $980 $1,028 $1,028 $1,334 $1,484 $1,694 $1,190 $1,100 $1,112Liberty Mutual General Insurance Company $3,095 $3,335 $4,361 $5,642 $6,776 $7,790 $4,296 $4,628 $6,713Nevada Direct Insurance Company $3,036 $2,418 $2,790 $4,686 $6,054 $4,848 $4,686 $3,948 $2,790Nevada General Insurance Company $1,512 $1,674 $1,674 $1,920 $2,322 $2,514 $2,010 $1,584 $1,674Primero Insurance Company $1,278 $1,278 $1,218 $1,842 $2,028 $2,028 $1,842 $1,350 $1,218Progressive Direct Insurance Company $934 $845 $894 $1,344 $1,646 $1,781 $1,286 $1,090 $978Progressive Northern Insurance Company $1,471 $1,332 $1,377 $2,258 $2,833 $3,017 $1,948 $1,649 $1,540Safeco Insurance Company of Illinois $1,160 $1,196 $1,151 $1,754 $1,834 $2,287 $1,575 $1,260 $1,146Trumbull Insurance Company $1,270 $1,269 $1,190 $1,660 $2,047 $2,013 $1,563 $1,322 $1,416

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily. Annual mileage is 15,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

63

EXAMPLE F - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449American Family Insurance Company $849 $1,189 $1,034 $1,491 $1,887 $1,985 $1,307 $988 $834CSAA General Insurance Company $2,267 $2,274 $2,282 $3,771 $4,632 $4,741 $3,136 $2,372 $2,956Encompass Home and Auto Insurance Company $7,518 $7,188 $7,593 $10,779 $13,598 $14,790 $10,667 $7,993 $7,817Esurance Property & Casualty Insurance Company $1,979 $1,821 $1,959 $3,546 $3,804 $4,798 $3,292 $2,154 $2,339Farmers Insurance Exchange $1,231 $1,152 $1,012 $2,187 $2,274 $2,700 $2,378 $1,319 $1,309Hartford Accident and Indemnity Company $1,147 $1,171 $819 $1,583 $2,085 $2,259 $1,436 $1,158 $1,224Liberty Mutual General Insurance Company $3,959 $4,267 $5,579 $7,219 $8,669 $9,966 $5,496 $5,921 $8,589Progressive Direct Insurance Company $1,380 $1,180 $1,295 $2,237 $2,849 $3,111 $2,065 $1,645 $1,392Progressive Northern Insurance Company $2,298 $2,019 $2,119 $4,001 $5,197 $5,532 $3,235 $2,615 $2,337Safeco Insurance Company of Illinois $1,332 $1,347 $1,309 $2,177 $2,301 $2,904 $1,874 $1,420 $1,290Trumbull Insurance Company $1,393 $1,356 $1,276 $1,988 $2,492 $2,479 $1,842 $1,423 $1,537

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Forty-five-year-old single male. DUI, second offense within past two years. SR22 required. Drives 15 miles, round trip, to work daily. Annual mileage is 15,000.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

64

EXAMPLE G - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $828 $848 $812 $1,091 $1,411 $1,492 $981 $866 $828Allstate Indemnity Company $1,169 $1,403 $1,296 $1,621 $1,854 $2,156 $1,396 $1,386 $1,403American Access Casualty Company $1,221 $3,286 $1,549 $1,460 $1,616 $1,776 $1,438 $1,467 N/AAmerican Family Insurance Company $541 $712 $631 $862 $1,049 $1,100 $777 $614 $535CSAA General Insurance Company $989 $1,025 $1,036 $1,560 $1,895 $1,954 $1,355 $1,055 $1,311Encompass Home and Auto Insurance Company $739 $741 $764 $1,037 $1,267 $1,371 $989 $788 $768Esurance Property & Casualty Insurance Company $1,138 $1,060 $1,117 $1,790 $1,914 $2,343 $1,693 $1,252 $1,333Farmers Insurance Exchange $970 $912 $787 $1,361 $1,482 $1,656 $1,541 $930 $981Garrison Property & Casualty Insurance Company $687 $627 $545 $846 $904 $905 $627 $684 $639GEICO Advantage Insurance Company $449 $388 $381 $509 $596 $631 $450 $388 $462GEICO Choice Insurance Company $609 $524 $514 $674 $776 $829 $608 $524 $628GEICO Secure Insurance Company $737 $640 $628 $805 $919 $981 $735 $640 $757Hartford Accident and Indemnity Company $560 $576 $413 $745 $971 $1,045 $680 $557 $601Hartford Insurance Company Of The Midwest $584 $580 $546 $782 $963 $953 $733 $599 $647Key Insurance Company $674 $704 $704 $878 $956 $1,100 $830 $734 $770Liberty Mutual General Insurance Company $1,153 $1,243 $1,625 $2,102 $2,525 $2,902 $1,601 $1,725 $2,501Loya Insurance Company $1,182 $1,182 $1,182 $1,117 $1,114 $1,153 $1,169 $1,182 $1,182Nevada Capital Insurance Company $840 $763 $763 $1,513 $1,665 $2,119 $763 $902 $1,139Nevada Direct Insurance Company $660 $444 $510 $630 $780 $690 $630 $744 $510Nevada General Insurance Company $1,260 $1,380 $1,380 $1,542 $1,830 $2,010 $1,608 $1,290 $1,380Primero Insurance Company $2,016 $2,016 $1,914 $2,784 $3,066 $3,066 $2,784 $2,124 $1,914Progressive Direct Insurance Company $629 $559 $598 $937 $1,159 $1,252 $880 $727 $645Progressive Northern Insurance Company $879 $789 $819 $1,407 $1,789 $1,899 $1,184 $980 $907Safeco Insurance Company of Illinois $454 $463 $451 $686 $718 $884 $610 $488 $448Standard Fire Insurance Company $664 $660 $617 $998 $1,199 $1,375 $887 $729 $855State Farm Fire & Casualty Company $1,205 $1,140 $1,095 $1,698 $2,296 $2,112 $1,265 $1,123 $1,505State Farm Mutual Automobile Insurance Company $671 $639 $612 $933 $1,260 $1,159 $706 $627 $845Trumbull Insurance Company $620 $615 $580 $830 $1,025 $1,015 $779 $637 $687Twin City Fire Insurance Company $554 $571 $407 $736 $958 $1,027 $672 $551 $595United Services Automobile Association $549 $546 $470 $727 $776 $784 $572 $593 $554USAA Casualty Insurance Company $585 $614 $497 $779 $830 $841 $606 $583 $588USAA General Indemnity Company $498 $493 $430 $656 $701 $701 $515 $499 $501

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000 miles annually.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

65

EXAMPLE G - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $941 $959 $925 $1,397 $1,898 $2,004 $1,181 $977 $941Allstate Indemnity Company $1,345 $1,550 $1,430 $2,039 $2,366 $2,718 $1,568 $1,614 $1,550American Access Casualty Company $1,345 $3,531 $1,723 $1,626 $1,821 $1,971 $1,595 $1,633 N/AAmerican Family Insurance Company $604 $816 $719 $1,024 $1,288 $1,356 $901 $693 $593CSAA General Insurance Company $1,080 $1,087 $1,087 $1,820 $2,249 $2,316 $1,503 $1,128 $1,410Encompass Home and Auto Insurance Company $796 $790 $816 $1,155 $1,394 $1,514 $1,064 $841 $821Esurance Property & Casualty Insurance Company $1,595 $1,451 $1,568 $2,925 $3,153 $3,946 $2,689 $1,709 $1,843Farmers Insurance Exchange $933 $890 $785 $1,605 $1,637 $2,001 $1,876 $1,015 $973Garrison Property & Casualty Insurance Company $851 $773 $672 $1,097 $1,173 $1,175 $773 $852 $784GEICO Advantage Insurance Company $646 $580 $573 $815 $984 $1,056 $665 $580 $660GEICO Choice Insurance Company $854 $763 $754 $1,058 $1,256 $1,370 $877 $763 $874GEICO Secure Insurance Company $1,053 $945 $933 $1,298 $1,540 $1,667 $1,080 $945 $1,076Hartford Accident and Indemnity Company $715 $695 $495 $1,050 $1,396 $1,521 $929 $695 $750Hartford Insurance Company Of The Midwest $664 $640 $607 $982 $1,237 $1,239 $903 $671 $729Liberty Mutual General Insurance Company $1,424 $1,534 $2,006 $2,596 $3,117 $3,583 $1,976 $2,129 $3,088Nevada Capital Insurance Company $955 $874 $874 $1,854 $2,041 $2,566 $874 $1,031 $1,270Progressive Direct Insurance Company $1,005 $843 $935 $1,691 $2,179 $2,381 $1,538 $1,197 $992Progressive Northern Insurance Company $1,514 $1,316 $1,389 $2,743 $3,599 $3,828 $2,171 $1,721 $1,515Safeco Insurance Company of Illinois $528 $530 $519 $862 $911 $1,139 $738 $559 $511Standard Fire Insurance Company $768 $752 $701 $1,245 $1,547 $1,778 $1,087 $863 $1,043State Farm Fire & Casualty Company $1,675 $1,546 $1,489 $2,523 $3,421 $3,196 $1,732 $1,541 $2,008State Farm Mutual Automobile Insurance Company $904 $842 $808 $1,342 $1,821 $1,694 $941 $835 $1,096Trumbull Insurance Company $707 $683 $646 $1,047 $1,323 $1,324 $964 $716 $777Twin City Fire Insurance Company $704 $686 $490 $1,033 $1,370 $1,493 $915 $685 $741United Services Automobile Association $669 $659 $569 $926 $989 $998 $697 $724 $666USAA Casualty Insurance Company $718 $740 $609 $994 $1,059 $1,072 $747 $714 $713USAA General Indemnity Company $545 $533 $463 $751 $802 $803 $565 $543 $541

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000 miles annually.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

66

EXAMPLE G - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $775 $787 $756 $1,042 $1,353 $1,432 $933 $808 $775Allstate Indemnity Company $1,146 $1,315 $1,218 $1,637 $1,870 $2,156 $1,331 $1,369 $1,315American Access Casualty Company $1,051 $2,792 $1,371 $1,290 $1,460 $1,570 $1,260 $1,295 N/AAmerican Family Insurance Company $514 $677 $601 $833 $1,030 $1,082 $744 $583 $507CSAA General Insurance Company $1,001 $1,032 $1,049 $1,576 $1,903 $1,971 $1,384 $1,068 $1,329Encompass Home and Auto Insurance Company $859 $848 $881 $1,215 $1,487 $1,614 $1,163 $914 $891Esurance Property & Casualty Insurance Company $1,162 $1,080 $1,142 $1,832 $1,953 $2,404 $1,733 $1,280 $1,373Farmers Insurance Exchange $1,108 $1,019 $885 $1,730 $1,869 $2,095 $1,848 $1,091 $1,136Garrison Property & Casualty Insurance Company $656 $594 $517 $816 $870 $869 $594 $654 $606GEICO Advantage Insurance Company $454 $390 $386 $512 $597 $634 $456 $390 $465GEICO Choice Insurance Company $619 $528 $522 $680 $780 $836 $617 $528 $634GEICO Secure Insurance Company $748 $644 $636 $812 $922 $987 $746 $644 $764Hartford Accident and Indemnity Company $557 $580 $412 $719 $931 $998 $664 $563 $599Hartford Insurance Company Of The Midwest $618 $612 $576 $799 $977 $965 $751 $639 $683Key Insurance Company $602 $638 $638 $806 $878 $1,004 $734 $674 $680Liberty Mutual General Insurance Company $1,102 $1,187 $1,552 $2,008 $2,412 $2,773 $1,529 $1,647 $2,390Loya Insurance Company $1,062 $1,062 $1,062 $1,000 $997 $1,037 $1,050 $1,062 $1,062Nevada Capital Insurance Company $895 $820 $820 $1,537 $1,674 $2,156 $820 $968 $1,234Nevada Direct Insurance Company $1,482 $1,158 $1,332 $2,250 $2,898 $2,310 $2,250 $1,902 $1,332Nevada General Insurance Company $1,326 $1,452 $1,452 $1,632 $1,950 $2,136 $1,710 $1,374 $1,452Primero Insurance Company $1,386 $1,386 $1,314 $2,028 $2,232 $2,232 $2,028 $1,464 $1,314Progressive Direct Insurance Company $662 $590 $630 $981 $1,213 $1,306 $923 $767 $682Progressive Northern Insurance Company $930 $834 $864 $1,480 $1,873 $1,984 $1,251 $1,038 $965Safeco Insurance Company of Illinois $457 $467 $453 $688 $719 $890 $619 $492 $450State Farm Fire & Casualty Company $1,168 $1,098 $1,057 $1,658 $2,245 $2,061 $1,225 $1,085 $1,454State Farm Mutual Automobile Insurance Company $647 $611 $587 $908 $1,228 $1,126 $680 $602 $813Trumbull Insurance Company $658 $649 $612 $850 $1,040 $1,027 $799 $680 $727Twin City Fire Insurance Company $551 $573 $409 $710 $920 $983 $656 $559 $592United Services Automobile Association $526 $519 $446 $705 $750 $757 $544 $569 $527USAA Casualty Insurance Company $563 $587 $475 $758 $806 $814 $580 $563 $563USAA General Indemnity Company $473 $466 $404 $630 $672 $673 $488 $476 $475

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000 miles annually.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

67

EXAMPLE G - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $898 $907 $878 $1,365 $1,865 $1,971 $1,149 $928 $898Allstate Indemnity Company $1,411 $1,565 $1,444 $2,207 $2,575 $2,935 $1,607 $1,712 $1,565American Access Casualty Company $1,175 $3,037 $1,545 $1,456 $1,665 $1,765 $1,417 $1,461 N/AAmerican Family Insurance Company $583 $789 $697 $1,009 $1,289 $1,362 $881 $670 $571CSAA General Insurance Company $1,091 $1,096 $1,099 $1,837 $2,261 $2,342 $1,530 $1,139 $1,428Encompass Home and Auto Insurance Company $919 $900 $936 $1,339 $1,626 $1,770 $1,247 $971 $947Esurance Property & Casualty Insurance Company $1,644 $1,491 $1,618 $3,028 $3,258 $4,093 $2,783 $1,762 $1,910Farmers Insurance Exchange $1,089 $1,022 $906 $2,034 $2,071 $2,526 $2,261 $1,211 $1,156Garrison Property & Casualty Insurance Company $825 $747 $650 $1,077 $1,149 $1,150 $747 $828 $759GEICO Advantage Insurance Company $657 $588 $584 $830 $998 $1,080 $678 $588 $669GEICO Choice Insurance Company $873 $778 $772 $1,083 $1,281 $1,410 $898 $778 $889GEICO Secure Insurance Company $1,072 $959 $951 $1,323 $1,565 $1,707 $1,102 $959 $1,091Hartford Accident and Indemnity Company $697 $686 $491 $991 $1,308 $1,422 $888 $693 $733Hartford Insurance Company Of The Midwest $686 $663 $626 $971 $1,216 $1,214 $897 $699 $750Liberty Mutual General Insurance Company $1,351 $1,456 $1,904 $2,463 $2,958 $3,401 $1,876 $2,021 $2,931Nevada Capital Insurance Company $1,005 $924 $924 $1,859 $2,028 $2,579 $924 $1,088 $1,357Progressive Direct Insurance Company $1,037 $871 $967 $1,737 $2,235 $2,437 $1,585 $1,237 $1,031Progressive Northern Insurance Company $1,560 $1,357 $1,430 $2,812 $3,680 $3,908 $2,233 $1,775 $1,572Safeco Insurance Company of Illinois $533 $534 $523 $870 $917 $1,152 $755 $565 $516State Farm Fire & Casualty Company $1,639 $1,503 $1,450 $2,483 $3,370 $3,145 $1,692 $1,503 $1,957State Farm Mutual Automobile Insurance Company $880 $814 $783 $1,317 $1,789 $1,661 $915 $810 $1,064Trumbull Insurance Company $733 $704 $668 $1,040 $1,302 $1,300 $960 $744 $800Twin City Fire Insurance Company $687 $677 $484 $976 $1,285 $1,398 $874 $682 $724United Services Automobile Association $656 $642 $556 $917 $978 $988 $681 $709 $648USAA Casualty Insurance Company $703 $722 $596 $984 $1,048 $1,059 $731 $703 $698USAA General Indemnity Company $526 $515 $447 $737 $785 $786 $547 $528 $522

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Fifty-five-year-old married female, principal operator of vehicle, retired 65 year-old husband who is an occasional operator with a clean driving record. Female has one “at fault” accident within past 21 months (over $2,000 damage). Drives 15 miles, round trip, to work daily. Drives 15,000 miles annually.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

68

EXAMPLE H - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $684 $703 $673 $888 $1,142 $1,202 $795 $715 $684Allstate Indemnity Company $1,011 $1,227 $1,130 $1,405 $1,609 $1,875 $1,216 $1,196 $1,227American Access Casualty Company $1,286 $3,460 $1,576 $1,487 $1,601 $1,804 $1,480 $1,499 N/AAmerican Family Insurance Company $435 $564 $504 $684 $836 $877 $617 $490 $430CSAA General Insurance Company $604 $622 $629 $951 $1,157 $1,191 $824 $640 $800Encompass Home and Auto Insurance Company $626 $621 $643 $878 $1,067 $1,153 $830 $666 $651Esurance Property & Casualty Insurance Company $766 $721 $754 $1,162 $1,237 $1,500 $1,104 $835 $885Farmers Insurance Exchange $897 $840 $721 $1,232 $1,356 $1,493 $1,380 $847 $907Garrison Property & Casualty Insurance Company $505 $463 $406 $617 $658 $658 $463 $502 $471GEICO Advantage Insurance Company $292 $257 $252 $329 $382 $402 $293 $257 $300GEICO Choice Insurance Company $366 $321 $315 $403 $461 $489 $366 $321 $377GEICO Secure Insurance Company $559 $491 $482 $603 $682 $724 $557 $491 $573Hartford Accident and Indemnity Company $423 $439 $316 $550 $709 $759 $506 $424 $455Hartford Insurance Company Of The Midwest $383 $377 $357 $504 $617 $610 $473 $390 $421Key Insurance Company $680 $710 $710 $884 $962 $1,106 $830 $728 $764Liberty Mutual General Insurance Company $971 $1,046 $1,368 $1,770 $2,125 $2,443 $1,347 $1,452 $2,105Loya Insurance Company $1,057 $1,057 $1,057 $983 $982 $1,033 $1,044 $1,057 $1,057Nevada Capital Insurance Company $471 $430 $430 $854 $934 $1,187 $430 $505 $633Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $1,110 $1,194 $1,194 $1,344 $1,602 $1,746 $1,404 $1,140 $1,194Primero Insurance Company $1,230 $1,230 $1,170 $1,698 $1,878 $1,878 $1,698 $1,290 $1,170Progressive Direct Insurance Company $375 $338 $360 $547 $674 $729 $516 $433 $381Progressive Northern Insurance Company $467 $425 $439 $750 $955 $1,017 $630 $526 $480Safeco Insurance Company of Illinois $278 $285 $278 $406 $425 $517 $365 $299 $276Standard Fire Insurance Company $530 $528 $493 $787 $942 $1,076 $702 $582 $683State Farm Fire & Casualty Company $572 $549 $523 $809 $1,089 $1,017 $599 $536 $713State Farm Mutual Automobile Insurance Company $448 $429 $410 $626 $844 $781 $469 $420 $564Trumbull Insurance Company $405 $399 $377 $537 $658 $651 $504 $414 $445Twin City Fire Insurance Company $414 $428 $311 $539 $695 $744 $496 $413 $444United Services Automobile Association $430 $428 $370 $566 $603 $611 $449 $463 $434USAA Casualty Insurance Company $457 $481 $390 $606 $645 $652 $473 $454 $459USAA General Indemnity Company $393 $389 $342 $512 $546 $546 $407 $392 $394

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

69

EXAMPLE H - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $779 $795 $768 $1,148 $1,556 $1,633 $953 $808 $779Allstate Indemnity Company $1,159 $1,348 $1,242 $1,766 $2,048 $2,357 $1,359 $1,386 $1,348American Access Casualty Company $1,402 $3,678 $1,735 $1,639 $1,786 $1,980 $1,624 $1,650 N/AAmerican Family Insurance Company $484 $646 $574 $811 $1,024 $1,079 $715 $553 $476CSAA General Insurance Company $656 $660 $658 $1,103 $1,367 $1,405 $912 $685 $858Encompass Home and Auto Insurance Company $687 $676 $700 $998 $1,196 $1,298 $906 $724 $708Esurance Property & Casualty Insurance Company $1,048 $960 $1,032 $1,858 $1,998 $2,482 $1,716 $1,117 $1,199Farmers Insurance Exchange $813 $777 $682 $1,398 $1,435 $1,740 $1,617 $882 $855Garrison Property & Casualty Insurance Company $622 $569 $497 $796 $850 $851 $569 $622 $575GEICO Advantage Insurance Company $422 $384 $379 $526 $630 $671 $434 $384 $431GEICO Choice Insurance Company $512 $464 $458 $627 $740 $799 $525 $464 $524GEICO Secure Insurance Company $790 $715 $705 $956 $1,125 $1,207 $807 $715 $806Hartford Accident and Indemnity Company $514 $502 $365 $732 $961 $1,045 $653 $504 $539Hartford Insurance Company Of The Midwest $416 $400 $379 $608 $766 $766 $561 $418 $454Liberty Mutual General Insurance Company $813 $876 $1,145 $1,481 $1,779 $2,045 $1,128 $1,215 $1,763Nevada Capital Insurance Company $553 $512 $512 $1,103 $1,203 $1,512 $512 $595 $725Progressive Direct Insurance Company $597 $506 $560 $995 $1,279 $1,401 $908 $711 $586Progressive Northern Insurance Company $817 $718 $751 $1,503 $1,980 $2,107 $1,182 $938 $818Safeco Insurance Company of Illinois $313 $315 $310 $493 $520 $643 $427 $332 $305Standard Fire Insurance Company $609 $597 $556 $975 $1,210 $1,385 $853 $682 $828State Farm Fire & Casualty Company $849 $785 $754 $1,292 $1,740 $1,650 $862 $777 $1,002State Farm Mutual Automobile Insurance Company $629 $585 $562 $943 $1,274 $1,195 $647 $580 $755Trumbull Insurance Company $446 $425 $405 $653 $824 $825 $602 $445 $486Twin City Fire Insurance Company $501 $490 $356 $715 $939 $1,021 $639 $492 $526United Services Automobile Association $522 $515 $446 $719 $768 $776 $544 $563 $520USAA Casualty Insurance Company $557 $575 $475 $770 $822 $830 $581 $554 $554USAA General Indemnity Company $427 $422 $368 $587 $628 $627 $445 $425 $425

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

70

EXAMPLE H - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $639 $650 $625 $846 $1,090 $1,148 $753 $665 $639Allstate Indemnity Company $1,011 $1,174 $1,086 $1,442 $1,646 $1,904 $1,184 $1,204 $1,174American Access Casualty Company $1,091 $2,890 $1,369 $1,292 $1,422 $1,566 $1,276 $1,300 N/AAmerican Family Insurance Company $418 $542 $486 $668 $828 $872 $598 $471 $412CSAA General Insurance Company $609 $625 $636 $956 $1,157 $1,196 $838 $647 $808Encompass Home and Auto Insurance Company $729 $714 $744 $1,031 $1,256 $1,361 $980 $775 $757Esurance Property & Casualty Insurance Company $782 $734 $771 $1,190 $1,263 $1,538 $1,130 $855 $912Farmers Insurance Exchange $1,036 $948 $821 $1,585 $1,728 $1,911 $1,672 $1,004 $1,062Garrison Property & Casualty Insurance Company $481 $439 $384 $593 $632 $632 $439 $480 $447GEICO Advantage Insurance Company $294 $257 $254 $329 $381 $402 $295 $257 $300GEICO Choice Insurance Company $368 $321 $317 $404 $459 $489 $368 $321 $377GEICO Secure Insurance Company $566 $493 $487 $607 $683 $727 $563 $493 $577Hartford Accident and Indemnity Company $423 $443 $318 $534 $684 $729 $496 $429 $454Hartford Insurance Company Of The Midwest $404 $398 $376 $514 $625 $617 $486 $415 $445Key Insurance Company $608 $644 $644 $806 $884 $1,010 $734 $668 $680Liberty Mutual General Insurance Company $817 $881 $1,151 $1,490 $1,789 $2,057 $1,134 $1,222 $1,772Loya Insurance Company $988 $988 $988 $917 $917 $966 $976 $988 $988Nevada Capital Insurance Company $466 $429 $429 $805 $873 $1,121 $429 $501 $636Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $1,164 $1,266 $1,266 $1,416 $1,686 $1,842 $1,488 $1,200 $1,266Primero Insurance Company $858 $858 $810 $1,248 $1,368 $1,368 $1,248 $894 $810Progressive Direct Insurance Company $390 $352 $373 $566 $694 $749 $535 $449 $399Progressive Northern Insurance Company $490 $445 $459 $781 $992 $1,056 $659 $550 $507Safeco Insurance Company of Illinois $280 $287 $280 $407 $425 $520 $370 $301 $277State Farm Fire & Casualty Company $551 $524 $501 $787 $1,061 $987 $576 $515 $684State Farm Mutual Automobile Insurance Company $432 $410 $393 $609 $822 $758 $452 $403 $541Trumbull Insurance Company $428 $419 $398 $547 $668 $659 $515 $440 $471Twin City Fire Insurance Company $412 $431 $313 $522 $668 $713 $485 $421 $443United Services Automobile Association $411 $406 $351 $548 $582 $588 $425 $443 $411USAA Casualty Insurance Company $438 $457 $372 $589 $625 $632 $453 $438 $437USAA General Indemnity Company $371 $366 $320 $492 $524 $524 $384 $373 $373

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

71

EXAMPLE H - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $741 $751 $727 $1,118 $1,523 $1,599 $923 $765 $741Allstate Indemnity Company $1,210 $1,353 $1,248 $1,896 $2,202 $2,521 $1,388 $1,460 $1,353American Access Casualty Company $1,207 $3,108 $1,528 $1,444 $1,607 $1,742 $1,420 $1,451 N/AAmerican Family Insurance Company $472 $630 $561 $807 $1,032 $1,092 $705 $539 $463CSAA General Insurance Company $660 $662 $663 $1,109 $1,366 $1,414 $925 $689 $865Encompass Home and Auto Insurance Company $793 $771 $803 $1,157 $1,394 $1,516 $1,063 $835 $816Esurance Property & Casualty Insurance Company $1,078 $986 $1,063 $1,924 $2,064 $2,574 $1,775 $1,151 $1,242Farmers Insurance Exchange $962 $904 $798 $1,794 $1,839 $2,225 $1,971 $1,065 $1,030Garrison Property & Casualty Insurance Company $603 $549 $480 $783 $834 $837 $549 $605 $556GEICO Advantage Insurance Company $427 $387 $384 $533 $636 $683 $440 $387 $434GEICO Choice Insurance Company $519 $469 $465 $638 $750 $815 $533 $469 $528GEICO Secure Insurance Company $802 $722 $716 $971 $1,139 $1,230 $820 $722 $815Hartford Accident and Indemnity Company $503 $499 $361 $695 $906 $984 $628 $502 $529Hartford Insurance Company Of The Midwest $427 $411 $389 $600 $748 $747 $556 $432 $465Liberty Mutual General Insurance Company $981 $1,057 $1,382 $1,789 $2,148 $2,469 $1,362 $1,467 $2,128Nevada Capital Insurance Company $542 $505 $505 $1,038 $1,119 $1,421 $505 $584 $719Progressive Direct Insurance Company $608 $516 $570 $1,008 $1,294 $1,412 $920 $724 $603Progressive Northern Insurance Company $833 $731 $766 $1,521 $2,000 $2,126 $1,201 $956 $840Safeco Insurance Company of Illinois $316 $318 $312 $496 $522 $649 $435 $335 $308State Farm Fire & Casualty Company $828 $760 $732 $1,270 $1,712 $1,620 $839 $756 $973State Farm Mutual Automobile Insurance Company $613 $566 $545 $926 $1,252 $1,172 $630 $563 $732Trumbull Insurance Company $456 $437 $416 $644 $805 $804 $595 $460 $497Twin City Fire Insurance Company $491 $487 $352 $680 $885 $961 $613 $491 $515United Services Automobile Association $510 $500 $433 $713 $758 $767 $532 $551 $505USAA Casualty Insurance Company $545 $560 $464 $761 $811 $819 $567 $544 $539USAA General Indemnity Company $413 $407 $353 $576 $613 $615 $430 $414 $409

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

72

EXAMPLE I - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $963 $978 $936 $1,285 $1,666 $1,767 $1,157 $1,006 $963Allstate Indemnity Company $1,219 $1,429 $1,323 $1,699 $1,931 $2,246 $1,437 $1,444 $1,429American Access Casualty Company $1,174 $3,142 $1,477 $1,393 $1,532 $1,690 $1,375 $1,401 N/AAmerican Family Insurance Company $574 $783 $686 $963 $1,189 $1,241 $841 $656 $560CSAA General Insurance Company $633 $635 $640 $998 $1,221 $1,246 $853 $661 $827Encompass Home and Auto Insurance Company $729 $721 $748 $1,018 $1,246 $1,344 $970 $777 $760Esurance Property & Casualty Insurance Company $847 $782 $827 $1,310 $1,395 $1,696 $1,234 $920 $983Farmers Insurance Exchange $753 $703 $602 $991 $1,108 $1,196 $1,099 $694 $761Garrison Property & Casualty Insurance Company $637 $574 $498 $803 $857 $857 $574 $639 $589GEICO Choice Insurance Company $603 $512 $505 $669 $775 $820 $599 $512 $623GEICO Secure Insurance Company $728 $616 $609 $761 $848 $902 $716 $616 $748Hartford Accident and Indemnity Company $550 $547 $393 $728 $948 $1,017 $662 $535 $587Hartford Insurance Company Of The Midwest $527 $502 $473 $709 $873 $864 $664 $519 $573Key Insurance Company $842 $866 $866 $1,094 $1,202 $1,382 $1,040 $896 $962Liberty Mutual General Insurance Company $979 $1,055 $1,380 $1,785 $2,144 $2,464 $1,359 $1,464 $2,124Loya Insurance Company $1,258 $1,258 $1,258 $1,174 $1,173 $1,229 $1,243 $1,258 $1,258Nevada Capital Insurance Company $568 $518 $518 $1,028 $1,128 $1,435 $518 $611 $767Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $1,596 $1,734 $1,734 $1,932 $2,316 $2,538 $2,046 $1,638 $1,734Primero Insurance Company $1,422 $1,422 $1,356 $1,968 $2,160 $2,160 $1,968 $1,500 $1,356Progressive Direct Insurance Company $460 $414 $440 $657 $799 $858 $623 $527 $478Progressive Northern Insurance Company $652 $586 $608 $1,022 $1,287 $1,364 $871 $730 $680Safeco Insurance Company of Illinois $378 $385 $374 $564 $586 $714 $500 $406 $374Standard Fire Insurance Company $633 $627 $584 $960 $1,158 $1,321 $852 $697 $829State Farm Fire & Casualty Company $716 $679 $651 $1,012 $1,368 $1,263 $750 $668 $893State Farm Mutual Automobile Insurance Company $568 $537 $516 $792 $1,071 $981 $594 $527 $714Trumbull Insurance Company $562 $534 $505 $757 $934 $925 $710 $556 $611Twin City Fire Insurance Company $537 $535 $384 $710 $926 $993 $648 $521 $572United Services Automobile Association $531 $521 $445 $725 $774 $782 $550 $577 $531USAA Casualty Insurance Company $567 $588 $472 $779 $832 $841 $586 $569 $567USAA General Indemnity Company $492 $482 $416 $667 $711 $711 $506 $495 $492

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

73

EXAMPLE I - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,094 $1,107 $1,068 $1,638 $2,227 $2,361 $1,400 $1,135 $1,094Allstate Indemnity Company $1,416 $1,602 $1,479 $2,157 $2,491 $2,871 $1,638 $1,697 $1,602American Access Casualty Company $1,293 $3,371 $1,644 $1,551 $1,727 $1,876 $1,524 $1,559 N/AAmerican Family Insurance Company $653 $923 $802 $1,177 $1,504 $1,576 $1,003 $757 $634CSAA General Insurance Company $695 $685 $682 $1,171 $1,454 $1,478 $952 $718 $901Encompass Home and Auto Insurance Company $780 $766 $794 $1,125 $1,362 $1,475 $1,038 $824 $806Esurance Property & Casualty Insurance Company $1,146 $1,034 $1,122 $2,071 $2,230 $2,769 $1,901 $1,219 $1,318Farmers Insurance Exchange $814 $771 $667 $1,341 $1,413 $1,651 $1,496 $850 $863Garrison Property & Casualty Insurance Company $789 $708 $612 $1,042 $1,116 $1,116 $708 $793 $720GEICO Choice Insurance Company $806 $710 $702 $994 $1,190 $1,279 $823 $710 $828GEICO Secure Insurance Company $941 $821 $813 $1,095 $1,274 $1,368 $949 $821 $964Hartford Accident and Indemnity Company $667 $635 $455 $967 $1,283 $1,396 $858 $637 $698Hartford Insurance Company Of The Midwest $575 $536 $510 $851 $1,069 $1,070 $784 $560 $621Liberty Mutual General Insurance Company $1,209 $1,303 $1,704 $2,204 $2,647 $3,043 $1,679 $1,808 $2,623Nevada Capital Insurance Company $661 $607 $607 $1,302 $1,425 $1,792 $607 $711 $869Progressive Direct Insurance Company $684 $582 $641 $1,108 $1,408 $1,531 $1,018 $807 $685Progressive Northern Insurance Company $1,052 $920 $966 $1,872 $2,442 $2,592 $1,496 $1,198 $1,068Safeco Insurance Company of Illinois $425 $426 $417 $680 $715 $885 $581 $450 $413Standard Fire Insurance Company $739 $721 $670 $1,210 $1,508 $1,727 $1,054 $832 $1,021State Farm Fire & Casualty Company $1,028 $946 $912 $1,559 $2,109 $1,978 $1,053 $942 $1,223State Farm Mutual Automobile Insurance Company $777 $718 $692 $1,159 $1,571 $1,459 $803 $713 $938Trumbull Insurance Company $616 $576 $545 $915 $1,151 $1,154 $844 $602 $667Twin City Fire Insurance Company $656 $623 $448 $949 $1,258 $1,368 $841 $627 $685United Services Automobile Association $646 $631 $538 $927 $993 $1,002 $673 $704 $639USAA Casualty Insurance Company $691 $706 $574 $995 $1,064 $1,075 $720 $693 $683USAA General Indemnity Company $539 $525 $451 $770 $824 $825 $561 $541 $534

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

74

EXAMPLE I - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $916 $924 $887 $1,246 $1,623 $1,723 $1,117 $954 $916Allstate Indemnity Company $1,260 $1,425 $1,323 $1,799 $2,043 $2,362 $1,455 $1,503 $1,425American Access Casualty Company $1,009 $2,661 $1,303 $1,228 $1,380 $1,490 $1,203 $1,233 N/AAmerican Family Insurance Company $545 $747 $655 $933 $1,169 $1,222 $807 $624 $531CSAA General Insurance Company $630 $633 $641 $992 $1,205 $1,236 $857 $661 $830Encompass Home and Auto Insurance Company $854 $834 $870 $1,202 $1,473 $1,594 $1,149 $909 $889Esurance Property & Casualty Insurance Company $869 $802 $851 $1,351 $1,435 $1,752 $1,273 $948 $1,017Farmers Insurance Exchange $1,097 $995 $855 $1,634 $1,813 $1,953 $1,677 $1,037 $1,127Garrison Property & Casualty Insurance Company $617 $554 $479 $782 $833 $832 $554 $619 $567GEICO Choice Insurance Company $612 $517 $513 $673 $776 $824 $608 $517 $628GEICO Secure Insurance Company $752 $633 $628 $777 $861 $919 $740 $633 $768Hartford Accident and Indemnity Company $543 $548 $391 $696 $901 $963 $642 $539 $580Hartford Insurance Company Of The Midwest $553 $528 $498 $717 $877 $867 $674 $552 $601Key Insurance Company $752 $782 $782 $992 $1,100 $1,256 $920 $824 $848Liberty Mutual General Insurance Company $941 $1,014 $1,326 $1,716 $2,061 $2,369 $1,306 $1,407 $2,041Loya Insurance Company $1,160 $1,160 $1,160 $1,080 $1,077 $1,133 $1,147 $1,160 $1,160Nevada Capital Insurance Company $579 $532 $532 $1,000 $1,086 $1,396 $532 $625 $795Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $1,674 $1,836 $1,836 $2,058 $2,466 $2,700 $2,160 $1,734 $1,836Primero Insurance Company $984 $984 $930 $1,428 $1,572 $1,572 $1,428 $1,038 $930Progressive Direct Insurance Company $489 $441 $467 $698 $846 $908 $663 $562 $510Progressive Northern Insurance Company $701 $630 $653 $1,092 $1,375 $1,454 $935 $786 $734Safeco Insurance Company of Illinois $379 $386 $374 $562 $584 $714 $504 $407 $374State Farm Fire & Casualty Company $693 $651 $626 $987 $1,335 $1,229 $723 $643 $861State Farm Mutual Automobile Insurance Company $549 $515 $496 $772 $1,044 $954 $574 $508 $687Trumbull Insurance Company $592 $563 $533 $769 $940 $928 $722 $591 $643Twin City Fire Insurance Company $530 $533 $382 $680 $880 $940 $625 $523 $564United Services Automobile Association $515 $505 $431 $711 $756 $764 $533 $560 $514USAA Casualty Insurance Company $551 $569 $458 $763 $815 $823 $570 $555 $548USAA General Indemnity Company $473 $463 $400 $649 $689 $690 $487 $479 $473

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

75

EXAMPLE I - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,059 $1,065 $1,030 $1,620 $2,216 $2,352 $1,380 $1,095 $1,059Allstate Indemnity Company $1,521 $1,667 $1,538 $2,375 $2,751 $3,159 $1,729 $1,838 $1,667American Access Casualty Company $1,128 $2,890 $1,470 $1,386 $1,575 $1,676 $1,352 $1,391 N/AAmerican Family Insurance Company $632 $895 $780 $1,163 $1,507 $1,584 $983 $734 $612CSAA General Insurance Company $689 $679 $678 $1,158 $1,430 $1,464 $952 $713 $896Encompass Home and Auto Insurance Company $907 $881 $919 $1,315 $1,599 $1,736 $1,225 $958 $937Esurance Property & Casualty Insurance Company $1,184 $1,069 $1,162 $2,151 $2,312 $2,879 $1,973 $1,263 $1,369Farmers Insurance Exchange $1,002 $935 $815 $1,789 $1,881 $2,198 $1,893 $1,066 $1,083Garrison Property & Casualty Insurance Company $774 $694 $600 $1,033 $1,104 $1,107 $694 $780 $706GEICO Choice Insurance Company $822 $722 $717 $1,012 $1,206 $1,307 $842 $722 $839GEICO Secure Insurance Company $969 $842 $837 $1,121 $1,298 $1,404 $978 $842 $988Hartford Accident and Indemnity Company $647 $624 $447 $909 $1,194 $1,298 $815 $631 $676Hartford Insurance Company Of The Midwest $587 $551 $523 $834 $1,041 $1,039 $770 $580 $635Liberty Mutual General Insurance Company $1,152 $1,242 $1,623 $2,100 $2,523 $2,900 $1,599 $1,723 $2,499Nevada Capital Insurance Company $665 $616 $616 $1,256 $1,361 $1,729 $616 $718 $889Progressive Direct Insurance Company $716 $611 $671 $1,157 $1,469 $1,595 $1,064 $847 $722Progressive Northern Insurance Company $1,105 $966 $1,016 $1,959 $2,552 $2,704 $1,571 $1,261 $1,127Safeco Insurance Company of Illinois $427 $428 $418 $681 $715 $888 $589 $452 $414State Farm Fire & Casualty Company $1,005 $918 $887 $1,534 $2,076 $1,944 $1,026 $917 $1,191State Farm Mutual Automobile Insurance Company $758 $696 $672 $1,139 $1,544 $1,432 $783 $694 $911Trumbull Insurance Company $629 $589 $560 $897 $1,121 $1,119 $829 $620 $680Twin City Fire Insurance Company $635 $614 $440 $890 $1,171 $1,273 $800 $620 $666United Services Automobile Association $639 $623 $531 $926 $990 $1,000 $667 $697 $629USAA Casualty Insurance Company $683 $696 $567 $992 $1,058 $1,069 $711 $685 $673USAA General Indemnity Company $528 $514 $442 $762 $814 $817 $549 $533 $521

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Seventy-eight-year-old married retired female. Husband does not drive. Pleasure use of vehicle. Wife has a clean driving record. Annual mileage is 4,000. One vehicle; no multi-car discount.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

76

EXAMPLE J - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $750 $774 $740 $947 $1,205 $1,274 $871 $787 $750Allstate Indemnity Company $1,132 $1,368 $1,265 $1,552 $1,771 $2,067 $1,358 $1,336 $1,368American Access Casualty Company $1,244 $3,349 $1,554 $1,464 $1,601 $1,779 $1,450 $1,474 N/AAmerican Family Insurance Company $522 $682 $605 $807 $973 $1,022 $744 $594 $521CSAA General Insurance Company $558 $588 $594 $879 $1,067 $1,104 $768 $601 $744Encompass Home and Auto Insurance Company $543 $545 $563 $759 $928 $1,001 $726 $581 $565Esurance Property & Casualty Insurance Company $690 $654 $681 $1,058 $1,131 $1,377 $1,007 $758 $802Farmers Insurance Exchange $428 $395 $336 $527 $605 $627 $571 $378 $429Garrison Property & Casualty Insurance Company $474 $436 $384 $566 $604 $605 $436 $469 $443GEICO Choice Insurance Company $399 $352 $344 $423 $474 $504 $398 $352 $409GEICO Secure Insurance Company $531 $475 $465 $559 $619 $658 $530 $475 $542Hartford Accident and Indemnity Company $601 $629 $447 $769 $998 $1,062 $711 $601 $650Key Insurance Company $662 $692 $692 $872 $956 $1,100 $812 $722 $752Liberty Mutual General Insurance Company $855 $922 $1,205 $1,559 $1,872 $2,152 $1,187 $1,279 $1,855Loya Insurance Company $2,075 $2,075 $2,075 $1,928 $1,925 $2,024 $2,051 $2,075 $2,075Nevada Capital Insurance Company $347 $318 $318 $619 $680 $860 $318 $374 $470Nevada Direct Insurance Company $450 $312 $360 $444 $570 $510 $444 $504 $360Nevada General Insurance Company $1,314 $1,428 $1,428 $1,596 $1,908 $2,088 $1,674 $1,356 $1,428Primero Insurance Company $1,410 $1,410 $1,344 $1,926 $2,124 $2,124 $1,926 $1,494 $1,344Progressive Direct Insurance Company $383 $357 $370 $517 $617 $665 $497 $433 $394Progressive Northern Insurance Company $465 $427 $439 $713 $895 $959 $613 $519 $482Safeco Insurance Company of Illinois $323 $333 $323 $462 $482 $590 $422 $350 $321Standard Fire Insurance Company $349 $353 $330 $505 $600 $689 $454 $383 $443State Farm Fire & Casualty Company $712 $681 $652 $1,004 $1,350 $1,259 $744 $669 $885Trumbull Insurance Company $638 $629 $594 $822 $1,002 $986 $774 $651 $703United Services Automobile Association $423 $421 $366 $546 $583 $589 $440 $451 $427USAA Casualty Insurance Company $450 $477 $387 $584 $623 $629 $466 $446 $452USAA General Indemnity Company $393 $392 $344 $505 $537 $537 $408 $391 $399

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

77

EXAMPLE J - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $879 $903 $869 $1,248 $1,670 $1,774 $1,105 $916 $879Allstate Indemnity Company $1,371 $1,602 $1,478 $2,057 $2,388 $2,750 $1,611 $1,642 $1,602American Access Casualty Company $1,363 $3,580 $1,720 $1,623 $1,797 $1,965 $1,601 $1,632 N/AAmerican Family Insurance Company $572 $764 $675 $935 $1,162 $1,226 $843 $656 $567CSAA General Insurance Company $735 $752 $751 $1,243 $1,539 $1,595 $1,031 $775 $965Encompass Home and Auto Insurance Company $571 $567 $586 $820 $996 $1,079 $766 $605 $589Esurance Property & Casualty Insurance Company $968 $893 $955 $1,731 $1,864 $2,330 $1,601 $1,036 $1,110Farmers Insurance Exchange $606 $576 $501 $952 $1,008 $1,175 $1,078 $621 $635Garrison Property & Casualty Insurance Company $559 $512 $448 $703 $751 $752 $512 $558 $520GEICO Choice Insurance Company $524 $474 $466 $614 $712 $768 $533 $474 $534GEICO Secure Insurance Company $703 $641 $631 $825 $952 $1,028 $717 $641 $715Hartford Accident and Indemnity Company $690 $692 $492 $968 $1,280 $1,384 $872 $676 $735Liberty Mutual General Insurance Company $1,014 $1,093 $1,429 $1,849 $2,220 $2,552 $1,408 $1,517 $2,200Nevada Capital Insurance Company $397 $365 $365 $761 $836 $1,046 $365 $427 $523Progressive Direct Insurance Company $524 $462 $496 $793 $987 $1,073 $740 $605 $525Progressive Northern Insurance Company $730 $648 $675 $1,276 $1,659 $1,770 $1,027 $829 $738Safeco Insurance Company of Illinois $350 $357 $348 $538 $566 $702 $472 $374 $344Standard Fire Insurance Company $394 $390 $365 $618 $760 $870 $542 $441 $528State Farm Fire & Casualty Company $1,054 $973 $938 $1,602 $2,156 $2,042 $1,069 $967 $1,244Trumbull Insurance Company $671 $646 $610 $940 $1,167 $1,162 $872 $672 $734United Services Automobile Association $500 $497 $430 $680 $727 $734 $524 $537 $499USAA Casualty Insurance Company $534 $553 $457 $724 $771 $780 $556 $529 $532USAA General Indemnity Company $434 $429 $375 $586 $626 $627 $452 $430 $434

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

78

EXAMPLE J - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $693 $708 $678 $892 $1,136 $1,202 $816 $724 $693Allstate Indemnity Company $1,133 $1,314 $1,220 $1,590 $1,810 $2,097 $1,326 $1,345 $1,314American Access Casualty Company $1,064 $2,823 $1,364 $1,284 $1,434 $1,559 $1,261 $1,292 N/AAmerican Family Insurance Company $494 $644 $573 $776 $949 $1,000 $709 $561 $491CSAA General Insurance Company $562 $589 $599 $887 $1,070 $1,114 $783 $606 $753Encompass Home and Auto Insurance Company $631 $623 $648 $889 $1,089 $1,178 $853 $674 $656Esurance Property & Casualty Insurance Company $699 $659 $690 $1,076 $1,144 $1,404 $1,024 $769 $821Farmers Insurance Exchange $644 $583 $504 $917 $1,026 $1,096 $947 $597 $658Garrison Property & Casualty Insurance Company $447 $409 $358 $541 $575 $576 $409 $444 $416GEICO Choice Insurance Company $403 $352 $347 $425 $474 $505 $401 $352 $411GEICO Secure Insurance Company $536 $475 $468 $562 $620 $660 $534 $475 $545Hartford Accident and Indemnity Company $605 $640 $454 $752 $969 $1,030 $703 $617 $656Key Insurance Company $596 $632 $632 $806 $884 $1,010 $722 $668 $674Liberty Mutual General Insurance Company $823 $886 $1,159 $1,500 $1,801 $2,070 $1,142 $1,230 $1,784Loya Insurance Company $1,891 $1,891 $1,891 $1,750 $1,748 $1,845 $1,867 $1,891 $1,891Nevada Capital Insurance Company $367 $339 $339 $622 $676 $868 $339 $395 $501Nevada Direct Insurance Company $1,128 $870 $1,038 $1,572 $2,010 $1,548 $1,572 $1,446 $1,038Nevada General Insurance Company $1,392 $1,512 $1,512 $1,698 $2,022 $2,214 $1,782 $1,428 $1,512Primero Insurance Company $954 $954 $906 $1,368 $1,506 $1,506 $1,368 $1,014 $906Progressive Direct Insurance Company $402 $372 $390 $543 $647 $696 $523 $455 $415Progressive Northern Insurance Company $493 $452 $464 $752 $942 $1,006 $649 $551 $514Safeco Insurance Company of Illinois $325 $336 $325 $462 $482 $592 $426 $352 $323State Farm Fire & Casualty Company $690 $655 $628 $980 $1,317 $1,226 $719 $644 $852Trumbull Insurance Company $686 $675 $634 $854 $1,037 $1,017 $806 $703 $755United Services Automobile Association $397 $396 $342 $524 $557 $563 $415 $428 $401USAA Casualty Insurance Company $425 $447 $362 $560 $596 $603 $439 $424 $427USAA General Indemnity Company $369 $366 $319 $481 $512 $512 $382 $369 $371

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

79

EXAMPLE J - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $830 $844 $815 $1,209 $1,627 $1,731 $1,065 $861 $830Allstate Indemnity Company $1,425 $1,598 $1,477 $2,196 $2,555 $2,926 $1,635 $1,720 $1,598American Access Casualty Company $1,183 $3,054 $1,530 $1,443 $1,630 $1,745 $1,412 $1,450 N/AAmerican Family Insurance Company $487 $638 $570 $799 $1,008 $1,070 $717 $555 $481CSAA General Insurance Company $743 $756 $758 $1,259 $1,554 $1,617 $1,053 $782 $978Encompass Home and Auto Insurance Company $661 $647 $673 $956 $1,165 $1,265 $899 $700 $682Esurance Property & Casualty Insurance Company $993 $910 $980 $1,789 $1,919 $2,410 $1,652 $1,063 $1,147Farmers Insurance Exchange $710 $662 $580 $1,234 $1,297 $1,517 $1,323 $748 $758Garrison Property & Casualty Insurance Company $535 $489 $427 $682 $729 $730 $489 $536 $495GEICO Choice Insurance Company $532 $478 $473 $624 $722 $783 $542 $478 $540GEICO Secure Insurance Company $713 $646 $640 $838 $965 $1,048 $727 $646 $723Hartford Accident and Indemnity Company $678 $690 $490 $923 $1,210 $1,304 $840 $679 $725Liberty Mutual General Insurance Company $970 $1,045 $1,367 $1,769 $2,124 $2,442 $1,347 $1,451 $2,104Nevada Capital Insurance Company $412 $382 $382 $757 $823 $1,042 $382 $445 $551Progressive Direct Insurance Company $541 $477 $513 $819 $1,017 $1,104 $764 $626 $544Progressive Northern Insurance Company $760 $674 $703 $1,322 $1,717 $1,830 $1,068 $865 $773Safeco Insurance Company of Illinois $353 $359 $350 $539 $568 $706 $479 $377 $346State Farm Fire & Casualty Company $1,032 $947 $913 $1,578 $2,123 $2,009 $1,044 $942 $1,211Trumbull Insurance Company $702 $678 $641 $947 $1,167 $1,159 $883 $713 $767United Services Automobile Association $483 $475 $411 $665 $708 $716 $502 $520 $479USAA Casualty Insurance Company $514 $531 $438 $705 $751 $758 $535 $513 $511USAA General Indemnity Company $415 $408 $356 $569 $607 $607 $430 $414 $412

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as best possible credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

80

EXAMPLE K - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,027 $1,060 $1,011 $1,333 $1,724 $1,825 $1,210 $1,079 $1,027Allstate Indemnity Company $1,337 $1,633 $1,507 $1,826 $2,090 $2,443 $1,615 $1,581 $1,633American Access Casualty Company $1,244 $3,349 $1,554 $1,464 $1,601 $1,779 $1,450 $1,474 N/AAmerican Family Insurance Company $650 $867 $762 $1,028 $1,242 $1,303 $944 $744 $648CSAA General Insurance Company $891 $944 $951 $1,415 $1,724 $1,786 $1,232 $963 $1,189Encompass Home and Auto Insurance Company $753 $757 $780 $1,054 $1,288 $1,388 $1,003 $806 $784Esurance Property & Casualty Insurance Company $1,234 $1,170 $1,217 $1,911 $2,046 $2,498 $1,818 $1,356 $1,435Farmers Insurance Exchange $1,124 $1,054 $901 $1,479 $1,652 $1,785 $1,645 $1,036 $1,133Garrison Property & Casualty Insurance Company $705 $651 $569 $843 $899 $901 $651 $695 $659GEICO Choice Insurance Company $633 $550 $537 $675 $765 $819 $631 $550 $650GEICO Secure Insurance Company $813 $715 $697 $863 $969 $1,038 $812 $715 $833Hartford Accident and Indemnity Company $730 $776 $547 $940 $1,222 $1,305 $872 $739 $793Key Insurance Company $662 $692 $692 $872 $956 $1,100 $812 $722 $752Liberty Mutual General Insurance Company $1,007 $1,085 $1,419 $1,836 $2,205 $2,535 $1,398 $1,506 $2,185Loya Insurance Company $2,075 $2,075 $2,075 $1,928 $1,925 $2,024 $2,051 $2,075 $2,075Nevada Capital Insurance Company $756 $687 $687 $1,362 $1,498 $1,906 $687 $811 $1,024Nevada Direct Insurance Company $450 $312 $360 $444 $570 $510 $444 $504 $360Nevada General Insurance Company $1,314 $1,428 $1,428 $1,596 $1,908 $2,088 $1,674 $1,356 $1,428Primero Insurance Company $1,638 $1,638 $1,554 $2,226 $2,454 $2,454 $2,226 $1,728 $1,554Progressive Direct Insurance Company $617 $567 $594 $866 $1,050 $1,139 $827 $708 $633Progressive Northern Insurance Company $818 $750 $772 $1,272 $1,606 $1,720 $1,087 $918 $845Safeco Insurance Company of Illinois $416 $430 $418 $604 $632 $778 $551 $453 $414Standard Fire Insurance Company $643 $645 $601 $955 $1,146 $1,323 $852 $708 $828State Farm Fire & Casualty Company $1,200 $1,158 $1,109 $1,649 $2,199 $2,048 $1,263 $1,136 $1,489Trumbull Insurance Company $789 $777 $730 $1,029 $1,261 $1,243 $969 $806 $872United Services Automobile Association $580 $581 $503 $749 $800 $809 $606 $620 $587USAA Casualty Insurance Company $635 $680 $547 $830 $884 $896 $662 $631 $642USAA General Indemnity Company $604 $602 $527 $781 $835 $835 $627 $600 $611

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

81

EXAMPLE K - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,240 $1,273 $1,224 $1,830 $2,495 $2,650 $1,587 $1,292 $1,240Allstate Indemnity Company $1,615 $1,904 $1,753 $2,404 $2,802 $3,229 $1,908 $1,938 $1,904American Access Casualty Company $1,363 $3,580 $1,720 $1,623 $1,797 $1,965 $1,601 $1,632 N/AAmerican Family Insurance Company $718 $982 $860 $1,206 $1,505 $1,584 $1,081 $831 $711CSAA General Insurance Company $1,196 $1,229 $1,223 $2,045 $2,539 $2,638 $1,687 $1,258 $1,570Encompass Home and Auto Insurance Company $800 $796 $821 $1,155 $1,397 $1,512 $1,065 $848 $826Esurance Property & Casualty Insurance Company $1,782 $1,644 $1,760 $3,229 $3,479 $4,366 $2,981 $1,904 $2,042Farmers Insurance Exchange $1,020 $974 $849 $1,676 $1,748 $2,079 $1,916 $1,074 $1,072Garrison Property & Casualty Insurance Company $846 $778 $680 $1,064 $1,136 $1,138 $778 $843 $787GEICO Choice Insurance Company $853 $765 $751 $1,011 $1,185 $1,283 $870 $765 $870GEICO Secure Insurance Company $1,116 $1,008 $990 $1,331 $1,556 $1,688 $1,141 $1,008 $1,138Hartford Accident and Indemnity Company $864 $873 $616 $1,221 $1,616 $1,751 $1,100 $854 $920Liberty Mutual General Insurance Company $1,214 $1,308 $1,710 $2,213 $2,657 $3,055 $1,685 $1,815 $2,633Nevada Capital Insurance Company $864 $790 $790 $1,682 $1,849 $2,326 $790 $931 $1,147Progressive Direct Insurance Company $901 $781 $849 $1,418 $1,793 $1,961 $1,312 $1,057 $893Progressive Northern Insurance Company $1,350 $1,191 $1,248 $2,396 $3,131 $3,346 $1,915 $1,540 $1,354Safeco Insurance Company of Illinois $455 $462 $452 $710 $749 $932 $623 $487 $446Standard Fire Insurance Company $733 $723 $673 $1,180 $1,469 $1,692 $1,034 $826 $1,000State Farm Fire & Casualty Company $1,639 $1,536 $1,475 $2,416 $3,243 $3,055 $1,694 $1,523 $1,956Trumbull Insurance Company $836 $804 $757 $1,193 $1,491 $1,487 $1,107 $838 $916United Services Automobile Association $684 $678 $586 $928 $991 $1,003 $715 $734 $682USAA Casualty Insurance Company $757 $791 $648 $1,031 $1,101 $1,112 $789 $749 $754USAA General Indemnity Company $671 $664 $577 $913 $977 $979 $700 $665 $671

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

82

EXAMPLE K - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $948 $969 $926 $1,257 $1,632 $1,729 $1,135 $992 $948Allstate Indemnity Company $1,327 $1,551 $1,438 $1,856 $2,119 $2,458 $1,561 $1,578 $1,551American Access Casualty Company $1,064 $2,823 $1,364 $1,284 $1,434 $1,559 $1,261 $1,292 N/AAmerican Family Insurance Company $608 $812 $716 $980 $1,201 $1,262 $891 $697 $605CSAA General Insurance Company $899 $942 $957 $1,427 $1,729 $1,802 $1,252 $967 $1,202Encompass Home and Auto Insurance Company $874 $864 $897 $1,233 $1,508 $1,630 $1,177 $933 $909Esurance Property & Casualty Insurance Company $1,246 $1,175 $1,230 $1,940 $2,066 $2,541 $1,843 $1,371 $1,462Farmers Insurance Exchange $1,286 $1,178 $1,015 $1,904 $2,102 $2,288 $1,990 $1,221 $1,315Garrison Property & Casualty Insurance Company $664 $608 $530 $804 $856 $858 $608 $658 $617GEICO Choice Insurance Company $641 $551 $542 $679 $766 $821 $638 $551 $655GEICO Secure Insurance Company $823 $715 $703 $869 $971 $1,042 $820 $715 $838Hartford Accident and Indemnity Company $735 $788 $554 $920 $1,189 $1,266 $861 $756 $801Key Insurance Company $596 $632 $632 $806 $884 $1,010 $722 $668 $674Liberty Mutual General Insurance Company $966 $1,041 $1,361 $1,761 $2,115 $2,432 $1,341 $1,445 $2,096Loya Insurance Company $1,891 $1,891 $1,891 $1,750 $1,748 $1,845 $1,867 $1,891 $1,891Nevada Capital Insurance Company $798 $731 $731 $1,371 $1,491 $1,921 $731 $860 $1,096Nevada Direct Insurance Company $1,128 $870 $1,038 $1,572 $2,010 $1,548 $1,572 $1,446 $1,038Nevada General Insurance Company $1,392 $1,512 $1,512 $1,698 $2,022 $2,214 $1,782 $1,428 $1,512Primero Insurance Company $1,104 $1,104 $1,044 $1,584 $1,746 $1,746 $1,584 $1,164 $1,044Progressive Direct Insurance Company $648 $595 $625 $906 $1,098 $1,188 $868 $745 $668Progressive Northern Insurance Company $865 $791 $814 $1,337 $1,684 $1,801 $1,148 $971 $898Safeco Insurance Company of Illinois $420 $434 $422 $607 $634 $783 $559 $457 $418State Farm Fire & Casualty Company $1,162 $1,112 $1,067 $1,607 $2,144 $1,990 $1,220 $1,094 $1,434Trumbull Insurance Company $851 $835 $784 $1,070 $1,304 $1,281 $1,009 $874 $937United Services Automobile Association $545 $543 $468 $719 $765 $774 $568 $589 $551USAA Casualty Insurance Company $604 $639 $514 $801 $851 $861 $626 $603 $607USAA General Indemnity Company $565 $560 $486 $744 $793 $793 $585 $566 $570

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

83

EXAMPLE K - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,173 $1,193 $1,151 $1,780 $2,442 $2,598 $1,536 $1,217 $1,173Allstate Indemnity Company $1,667 $1,882 $1,737 $2,555 $2,983 $3,417 $1,920 $2,017 $1,882American Access Casualty Company $1,183 $3,054 $1,530 $1,443 $1,630 $1,745 $1,412 $1,450 N/AAmerican Family Insurance Company $597 $803 $710 $1,008 $1,277 $1,351 $900 $687 $590CSAA General Insurance Company $1,213 $1,234 $1,234 $2,078 $2,572 $2,686 $1,724 $1,271 $1,593Encompass Home and Auto Insurance Company $924 $905 $941 $1,340 $1,628 $1,766 $1,248 $979 $953Esurance Property & Casualty Insurance Company $1,826 $1,676 $1,805 $3,336 $3,584 $4,517 $3,077 $1,951 $2,106Farmers Insurance Exchange $1,204 $1,132 $992 $2,173 $2,256 $2,686 $2,354 $1,301 $1,290Garrison Property & Casualty Insurance Company $816 $744 $649 $1,039 $1,107 $1,111 $744 $814 $752GEICO Choice Insurance Company $867 $773 $763 $1,030 $1,201 $1,309 $885 $773 $881GEICO Secure Insurance Company $1,133 $1,017 $1,006 $1,354 $1,578 $1,724 $1,159 $1,017 $1,151Hartford Accident and Indemnity Company $856 $873 $615 $1,167 $1,533 $1,658 $1,062 $862 $911Liberty Mutual General Insurance Company $1,156 $1,245 $1,628 $2,107 $2,530 $2,909 $1,604 $1,728 $2,507Nevada Capital Insurance Company $898 $828 $828 $1,672 $1,821 $2,317 $828 $973 $1,210Progressive Direct Insurance Company $929 $806 $876 $1,459 $1,839 $2,009 $1,352 $1,091 $928Progressive Northern Insurance Company $1,391 $1,230 $1,286 $2,455 $3,203 $3,416 $1,971 $1,588 $1,407Safeco Insurance Company of Illinois $460 $467 $456 $715 $754 $942 $635 $492 $450State Farm Fire & Casualty Company $1,600 $1,489 $1,434 $2,373 $3,188 $2,997 $1,650 $1,482 $1,901Trumbull Insurance Company $876 $842 $795 $1,199 $1,489 $1,480 $1,115 $887 $956United Services Automobile Association $660 $651 $563 $914 $974 $985 $690 $713 $657USAA Casualty Insurance Company $734 $762 $625 $1,017 $1,084 $1,095 $766 $732 $730USAA General Indemnity Company $642 $632 $548 $890 $952 $954 $669 $641 $639

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as average/neutral credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

84

EXAMPLE L - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,586 $1,649 $1,570 $2,134 $2,824 $2,991 $1,897 $1,672 $1,586Allstate Indemnity Company $1,568 $1,933 $1,781 $2,131 $2,447 $2,865 $1,905 $1,855 $1,933American Access Casualty Company $1,244 $3,349 $1,554 $1,464 $1,601 $1,779 $1,450 $1,474 N/AAmerican Family Insurance Company $806 $1,089 $955 $1,290 $1,565 $1,639 $1,196 $928 $808CSAA General Insurance Company $1,652 $1,763 $1,775 $2,654 $3,243 $3,369 $2,297 $1,788 $2,207Encompass Home and Auto Insurance Company $1,297 $1,310 $1,350 $1,822 $2,243 $2,424 $1,753 $1,390 $1,351Esurance Property & Casualty Insurance Company $1,522 $1,441 $1,501 $2,399 $2,576 $3,164 $2,281 $1,678 $1,779Farmers Insurance Exchange $1,466 $1,385 $1,182 $1,925 $2,145 $2,328 $2,160 $1,354 $1,470Garrison Property & Casualty Insurance Company $1,533 $1,425 $1,248 $1,827 $1,949 $1,957 $1,425 $1,511 $1,440GEICO Choice Insurance Company $941 $811 $790 $1,007 $1,148 $1,232 $938 $811 $968GEICO Secure Insurance Company $1,184 $1,030 $1,003 $1,262 $1,428 $1,537 $1,182 $1,030 $1,215Hartford Accident and Indemnity Company $1,464 $1,722 $1,194 $1,869 $2,419 $2,587 $1,764 $1,587 $1,630Key Insurance Company $662 $692 $692 $872 $956 $1,100 $812 $722 $752Liberty Mutual General Insurance Company $1,267 $1,365 $1,785 $2,309 $2,773 $3,188 $1,758 $1,894 $2,748Loya Insurance Company $2,075 $2,075 $2,075 $1,928 $1,925 $2,024 $2,051 $2,075 $2,075Nevada Capital Insurance Company $1,216 $1,103 $1,103 $2,207 $2,428 $3,089 $1,103 $1,308 $1,652Nevada Direct Insurance Company $450 $312 $360 $444 $570 $510 $444 $504 $360Nevada General Insurance Company $1,314 $1,428 $1,428 $1,596 $1,908 $2,088 $1,674 $1,356 $1,428Primero Insurance Company $2,074 $2,074 $1,992 $2,850 $3,144 $3,144 $2,850 $2,202 $1,992Progressive Direct Insurance Company $924 $854 $893 $1,288 $1,561 $1,697 $1,239 $1,069 $956Progressive Northern Insurance Company $1,210 $1,114 $1,144 $1,845 $2,318 $2,490 $1,598 $1,362 $1,255Safeco Insurance Company of Illinois $455 $470 $456 $663 $693 $854 $604 $495 $452Standard Fire Insurance Company $789 $792 $734 $1,186 $1,435 $1,665 $1,056 $872 $1,015State Farm Fire & Casualty Company $5,195 $5,048 $4,815 $7,046 $9,428 $8,738 $5,523 $4,939 $6,519Trumbull Insurance Company $1,663 $1,684 $1,578 $2,306 $2,866 $2,837 $2,165 $1,738 $1,866United Services Automobile Association $1,469 $1,484 $1,282 $1,861 $1,986 $2,015 $1,541 $1,567 $1,498USAA Casualty Insurance Company $1,775 $1,926 $1,529 $2,285 $2,440 $2,475 $1,853 $1,753 $1,803USAA General Indemnity Company $869 $867 $754 $1,128 $1,207 $1,207 $905 $861 $879

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

85

EXAMPLE L - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon

Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,995 $2,058 $1,979 $3,106 $4,336 $4,594 $2,590 $2,081 $1,995Allstate Indemnity Company $1,888 $2,243 $2,062 $2,789 $3,261 $3,763 $2,241 $2,268 $2,243American Access Casualty Company $1,363 $3,580 $1,720 $1,623 $1,797 $1,965 $1,601 $1,632 N/AAmerican Family Insurance Company $894 $1,239 $1,081 $1,522 $1,905 $2,004 $1,373 $1,040 $890CSAA General Insurance Company $2,278 $2,344 $2,330 $3,951 $4,927 $5,142 $3,237 $2,394 $2,986Encompass Home and Auto Insurance Company $1,349 $1,347 $1,391 $1,947 $2,383 $2,585 $1,834 $1,434 $1,395Esurance Property & Casualty Insurance Company $2,251 $2,073 $2,223 $4,146 $4,476 $5,637 $3,825 $2,407 $2,587Farmers Insurance Exchange $1,680 $1,622 $1,418 $2,866 $2,937 $3,576 $3,341 $1,820 $1,757Garrison Property & Casualty Insurance Company $1,920 $1,779 $1,568 $2,404 $2,561 $2,575 $1,779 $1,909 $1,789GEICO Choice Insurance Company $1,285 $1,148 $1,126 $1,534 $1,806 $1,960 $1,312 $1,148 $1,313GEICO Secure Insurance Company $1,659 $1,489 $1,462 $1,996 $2,349 $2,556 $1,698 $1,489 $1,694Hartford Accident and Indemnity Company $1,720 $1,847 $1,299 $2,413 $3,165 $3,442 $2,190 $1,792 $1,849Liberty Mutual General Insurance Company $1,562 $1,683 $2,200 $2,847 $3,419 $3,931 $2,168 $2,336 $3,388Nevada Capital Insurance Company $1,393 $1,272 $1,272 $2,725 $2,994 $3,768 $1,272 $1,499 $1,852Progressive Direct Insurance Company $1,340 $1,168 $1,262 $2,097 $2,645 $2,898 $1,948 $1,578 $1,337Progressive Northern Insurance Company $1,948 $1,727 $1,805 $3,400 $4,425 $4,738 $2,745 $2,225 $1,964Safeco Insurance Company of Illinois $500 $507 $496 $783 $826 $1,029 $687 $535 $489Standard Fire Insurance Company $923 $909 $840 $1,499 $1,872 $2,172 $1,310 $1,040 $1,248State Farm Fire & Casualty Company $6,491 $6,181 $5,903 $9,324 $12,608 $11,745 $6,909 $6,121 $7,948Trumbull Insurance Company $1,865 $1,827 $1,723 $2,837 $3,593 $3,595 $2,616 $1,906 $2,064United Services Automobile Association $1,676 $1,676 $1,452 $2,246 $2,397 $2,431 $1,763 $1,797 $1,685USAA Casualty Insurance Company $2,075 $2,197 $1,781 $2,812 $3,000 $3,038 $2,172 $2,050 $2,077USAA General Indemnity Company $972 $961 $832 $1,330 $1,423 $1,426 $1,015 $962 $971

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

86

EXAMPLE L - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,446 $1,486 $1,419 $1,999 $2,658 $2,817 $1,763 $1,517 $1,446Allstate Indemnity Company $1,544 $1,818 $1,683 $2,151 $2,462 $2,860 $1,824 $1,837 $1,818American Access Casualty Company $1,064 $2,823 $1,364 $1,284 $1,434 $1,559 $1,261 $1,292 N/AAmerican Family Insurance Company $749 $1,015 $891 $1,222 $1,503 $1,577 $1,122 $863 $749CSAA General Insurance Company $1,662 $1,754 $1,772 $2,673 $3,253 $3,395 $2,327 $1,790 $2,220Encompass Home and Auto Insurance Company $1,510 $1,498 $1,556 $2,138 $2,634 $2,856 $2,062 $1,615 $1,571Esurance Property & Casualty Insurance Company $1,540 $1,446 $1,520 $2,436 $2,601 $3,217 $2,313 $1,699 $1,816Farmers Insurance Exchange $1,649 $1,523 $1,307 $2,445 $2,692 $2,941 $2,576 $1,569 $1,675Garrison Property & Casualty Insurance Company $1,448 $1,333 $1,165 $1,758 $1,871 $1,879 $1,333 $1,432 $1,348GEICO Choice Insurance Company $953 $812 $798 $1,014 $1,150 $1,235 $948 $812 $975GEICO Secure Insurance Company $1,200 $1,030 $1,012 $1,272 $1,431 $1,543 $1,195 $1,030 $1,224Hartford Accident and Indemnity Company $1,484 $1,742 $1,208 $1,847 $2,371 $2,534 $1,755 $1,620 $1,652Key Insurance Company $596 $632 $632 $806 $884 $1,010 $722 $668 $674Liberty Mutual General Insurance Company $1,208 $1,302 $1,702 $2,203 $2,645 $3,041 $1,677 $1,807 $2,621Loya Insurance Company $1,891 $1,891 $1,891 $1,750 $1,748 $1,845 $1,867 $1,891 $1,891Nevada Capital Insurance Company $1,281 $1,175 $1,175 $2,215 $2,416 $3,113 $1,175 $1,387 $1,770Nevada Direct Insurance Company $1,128 $870 $1,038 $1,572 $2,010 $1,548 $1,572 $1,446 $1,038Nevada General Insurance Company $1,392 $1,512 $1,512 $1,698 $2,022 $2,214 $1,782 $1,428 $1,512Primero Insurance Company $1,410 $1,410 $1,338 $2,028 $2,232 $2,232 $2,028 $1,488 $1,338Progressive Direct Insurance Company $975 $899 $940 $1,355 $1,637 $1,776 $1,307 $1,130 $1,017Progressive Northern Insurance Company $1,282 $1,178 $1,211 $1,942 $2,431 $2,608 $1,688 $1,446 $1,338Safeco Insurance Company of Illinois $459 $474 $460 $666 $696 $861 $614 $500 $456State Farm Fire & Casualty Company $5,003 $4,818 $4,609 $6,838 $9,161 $8,456 $5,309 $4,731 $6,251Trumbull Insurance Company $1,755 $1,767 $1,658 $2,334 $2,883 $2,843 $2,195 $1,841 $1,960United Services Automobile Association $1,368 $1,371 $1,177 $1,775 $1,891 $1,917 $1,428 $1,471 $1,387USAA Casualty Insurance Company $1,670 $1,794 $1,420 $2,192 $2,335 $2,366 $1,734 $1,664 $1,688USAA General Indemnity Company $812 $806 $698 $1,077 $1,149 $1,149 $843 $814 $819

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

87

EXAMPLE L - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon

Henderson Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,876 $1,915 $1,849 $3,015 $4,239 $4,497 $2,498 $1,947 $1,876Allstate Indemnity Company $1,935 $2,198 $2,026 $2,950 $3,454 $3,959 $2,238 $2,346 $2,198American Access Casualty Company $1,183 $3,054 $1,530 $1,443 $1,630 $1,745 $1,412 $1,450 N/AAmerican Family Insurance Company $733 $1,001 $882 $1,256 $1,596 $1,686 $1,130 $849 $729CSAA General Insurance Company $2,311 $2,358 $2,349 $4,026 $5,010 $5,254 $3,311 $2,416 $3,029Encompass Home and Auto Insurance Company $1,568 $1,541 $1,604 $2,276 $2,795 $3,040 $2,161 $1,665 $1,620Esurance Property & Casualty Insurance Company $2,313 $2,117 $2,286 $4,288 $4,612 $5,837 $3,947 $2,472 $2,672Farmers Insurance Exchange $1,943 $1,852 $1,625 $3,643 $3,721 $4,531 $4,030 $2,163 $2,072Garrison Property & Casualty Insurance Company $1,869 $1,720 $1,517 $2,390 $2,537 $2,555 $1,720 $1,865 $1,729GEICO Choice Insurance Company $1,308 $1,160 $1,145 $1,563 $1,832 $2,001 $1,335 $1,160 $1,330GEICO Secure Insurance Company $1,687 $1,504 $1,486 $2,033 $2,383 $2,612 $1,727 $1,504 $1,714Hartford Accident and Indemnity Company $1,720 $1,855 $1,304 $2,339 $3,040 $3,310 $2,149 $1,816 $1,849Liberty Mutual General Insurance Company $1,480 $1,595 $2,085 $2,698 $3,240 $3,724 $2,054 $2,213 $3,210Nevada Capital Insurance Company $1,447 $1,335 $1,335 $2,705 $2,948 $3,752 $1,335 $1,566 $1,956Progressive Direct Insurance Company $1,385 $1,209 $1,308 $2,155 $2,715 $2,970 $2,010 $1,635 $1,394Progressive Northern Insurance Company $2,012 $1,785 $1,865 $3,489 $4,533 $4,844 $2,828 $2,301 $2,041Safeco Insurance Company of Illinois $505 $512 $501 $789 $832 $1,041 $702 $541 $494State Farm Fire & Casualty Company $6,299 $5,952 $5,697 $9,116 $12,342 $11,463 $6,695 $5,913 $7,680Trumbull Insurance Company $1,910 $1,871 $1,767 $2,782 $3,497 $3,490 $2,572 $1,967 $2,109United Services Automobile Association $1,618 $1,607 $1,392 $2,224 $2,370 $2,401 $1,699 $1,747 $1,616USAA Casualty Insurance Company $2,013 $2,118 $1,717 $2,787 $2,963 $2,999 $2,104 $2,004 $2,007USAA General Indemnity Company $928 $917 $791 $1,299 $1,388 $1,390 $971 $929 $926

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Thirty-year-old divorced female. Clean driving record. No previous insurance for past 30 days. Drives 8 miles, round trip, to work daily. Annual mileage is 10,000. Rated as worst possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

88

EXAMPLE M - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $403 $418 $400 $535 $697 $732 $462 $423 $403Allstate Indemnity Company $817 $992 $916 $1,138 $1,300 $1,514 $982 $964 $992American Access Casualty Company $1,040 $2,730 $1,288 $1,217 $1,325 $1,469 $1,063 $1,223 N/AAmerican Family Insurance Company $374 $469 $424 $558 $675 $712 $519 $419 $374CSAA General Insurance Company $434 $454 $458 $679 $823 $849 $596 $465 $578Encompass Home and Auto Insurance Company $390 $393 $404 $548 $660 $713 $511 $414 $404Esurance Property & Casualty Insurance Company $339 $320 $333 $536 $576 $704 $508 $373 $395Farmers Insurance Exchange $461 $438 $378 $667 $720 $813 $759 $450 $467Garrison Property & Casualty Insurance Company $318 $295 $260 $378 $401 $402 $295 $316 $299GEICO Advantage Insurance Company $165 $147 $143 $177 $201 $213 $166 $147 $169GEICO Choice Insurance Company $247 $218 $212 $262 $295 $317 $247 $218 $253GEICO Secure Insurance Company $326 $292 $284 $345 $387 $413 $327 $292 $334Hartford Accident and Indemnity Company $262 $282 $202 $338 $437 $467 $312 $269 $284Key Insurance Company $1,042 $1,102 $1,102 $1,378 $1,492 $1,708 $1,282 $1,138 $1,186Liberty Mutual General Insurance Company $555 $598 $782 $1,012 $1,215 $1,397 $771 $830 $1,204Loya Insurance Company $912 $912 $912 $858 $855 $893 $901 $912 $912Nevada Capital Insurance Company $243 $223 $223 $430 $470 $595 $223 $260 $324Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $834 $906 $906 $1,002 $1,188 $1,302 $1,050 $846 $906Primero Insurance Company $900 $900 $834 $1,236 $1,355 $1,355 $1,236 $930 $834Progressive Direct Insurance Company $199 $184 $192 $284 $348 $379 $272 $230 $205Progressive Northern Insurance Company $263 $244 $249 $410 $519 $558 $353 $295 $272Safeco Insurance Company of Illinois $177 $183 $178 $255 $266 $327 $233 $192 $176Standard Fire Insurance Company $237 $238 $222 $348 $418 $481 $312 $260 $303State Farm Fire & Casualty Company $393 $377 $361 $558 $751 $703 $410 $369 $487State Farm Mutual Automobile Insurance Company $306 $295 $283 $428 $578 $536 $321 $289 $386Trumbull Insurance Company $478 $474 $450 $631 $773 $765 $593 $491 $526United Services Automobile Association $296 $296 $258 $379 $402 $408 $309 $315 $299USAA Casualty Insurance Company $305 $322 $264 $390 $415 $420 $316 $302 $306USAA General Indemnity Company $228 $229 $204 $286 $305 $304 $237 $228 $232

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

89

EXAMPLE M - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $468 $482 $465 $726 $1,001 $1,045 $556 $487 $468Allstate Indemnity Company $938 $1,092 $1,008 $1,439 $1,663 $1,910 $1,099 $1,117 $1,092American Access Casualty Company $1,150 $2,930 $1,436 $1,358 $1,495 $1,632 $1,339 $1,365 N/AAmerican Family Insurance Company $408 $522 $470 $642 $799 $847 $585 $461 $405CSAA General Insurance Company $520 $530 $531 $869 $1,072 $1,106 $725 $548 $684Encompass Home and Auto Insurance Company $388 $387 $397 $572 $674 $732 $501 $407 $399Esurance Property & Casualty Insurance Company $490 $448 $482 $901 $975 $1,221 $829 $524 $563Farmers Insurance Exchange $496 $477 $424 $894 $895 $1,114 $1,064 $556 $511Garrison Property & Casualty Insurance Company $399 $368 $323 $497 $530 $531 $368 $398 $372GEICO Advantage Insurance Company $225 $205 $202 $268 $314 $338 $231 $205 $229GEICO Choice Insurance Company $333 $303 $296 $395 $459 $502 $341 $303 $339GEICO Secure Insurance Company $442 $403 $395 $524 $610 $660 $452 $403 $450Hartford Accident and Indemnity Company $329 $328 $235 $471 $619 $670 $417 $330 $347Liberty Mutual General Insurance Company $679 $731 $956 $1,237 $1,486 $1,708 $942 $1,015 $1,472Nevada Capital Insurance Company $282 $260 $260 $547 $597 $746 $260 $302 $367Progressive Direct Insurance Company $299 $259 $282 $485 $621 $681 $447 $356 $299Progressive Northern Insurance Company $428 $383 $397 $768 $1,007 $1,077 $613 $491 $432Safeco Insurance Company of Illinois $194 $197 $193 $300 $316 $393 $264 $207 $190Standard Fire Insurance Company $269 $267 $248 $429 $534 $612 $376 $302 $365State Farm Fire & Casualty Company $599 $553 $532 $917 $1,232 $1,173 $604 $549 $704State Farm Mutual Automobile Insurance Company $440 $409 $393 $661 $890 $839 $449 $405 $526Trumbull Insurance Company $520 $503 $476 $764 $963 $965 $702 $527 $568United Services Automobile Association $356 $352 $308 $475 $505 $511 $371 $379 $355USAA Casualty Insurance Company $367 $378 $317 $486 $517 $523 $379 $363 $365USAA General Indemnity Company $243 $241 $214 $319 $336 $337 $252 $241 $242

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

90

EXAMPLE M - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $368 $376 $361 $499 $652 $684 $427 $384 $368Allstate Indemnity Company $814 $947 $878 $1,162 $1,324 $1,531 $954 $967 $947American Access Casualty Company $888 $2,286 $1,127 $1,065 $1,185 $1,285 $1,046 $1,068 N/AAmerican Family Insurance Company $361 $451 $410 $547 $671 $711 $505 $404 $360CSAA General Insurance Company $441 $458 $466 $686 $827 $859 $609 $473 $589Encompass Home and Auto Insurance Company $447 $443 $459 $633 $765 $829 $594 $475 $463Esurance Property & Casualty Insurance Company $341 $320 $336 $544 $582 $717 $514 $376 $403Farmers Insurance Exchange $457 $422 $367 $715 $769 $866 $776 $452 $463Garrison Property & Casualty Insurance Company $300 $277 $245 $361 $383 $384 $277 $300 $283GEICO Advantage Insurance Company $166 $146 $144 $178 $200 $213 $167 $146 $169GEICO Choice Insurance Company $248 $217 $213 $263 $295 $317 $248 $217 $253GEICO Secure Insurance Company $328 $289 $284 $346 $385 $412 $327 $289 $333Hartford Accident and Indemnity Company $262 $284 $203 $329 $423 $450 $307 $272 $285Key Insurance Company $994 $1,060 $1,060 $1,324 $1,438 $1,636 $1,216 $1,096 $1,126Liberty Mutual General Insurance Company $556 $599 $784 $1,014 $1,218 $1,400 $772 $832 $1,206Loya Insurance Company $843 $843 $843 $791 $791 $825 $834 $843 $843Nevada Capital Insurance Company $245 $227 $227 $413 $447 $573 $227 $263 $330Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $888 $954 $954 $1,056 $1,254 $1,368 $1,110 $906 $954Primero Insurance Company $642 $642 $588 $930 $1,014 $1,014 $930 $660 $588Progressive Direct Insurance Company $209 $192 $202 $297 $364 $395 $285 $243 $216Progressive Northern Insurance Company $276 $255 $261 $427 $537 $575 $366 $311 $287Safeco Insurance Company of Illinois $178 $184 $179 $256 $267 $330 $236 $194 $177Standard Fire Insurance Company $296 $299 $276 $438 $525 $605 $392 $327 $385State Farm Fire & Casualty Company $380 $360 $346 $542 $731 $683 $394 $354 $467State Farm Mutual Automobile Insurance Company $295 $281 $270 $417 $563 $520 $308 $276 $369Trumbull Insurance Company $309 $315 $295 $406 $505 $498 $381 $327 $347United Services Automobile Association $280 $279 $243 $363 $384 $390 $291 $300 $282USAA Casualty Insurance Company $289 $303 $249 $374 $396 $401 $297 $287 $290USAA General Indemnity Company $214 $213 $190 $273 $288 $289 $222 $215 $216

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

91

EXAMPLE M - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $437 $444 $430 $697 $966 $1,008 $527 $452 $437Allstate Indemnity Company $975 $1,091 $1,009 $1,534 $1,776 $2,029 $1,116 $1,170 $1,091American Access Casualty Company $998 $2,486 $1,275 $1,206 $1,355 $1,448 $1,180 $1,210 N/AAmerican Family Insurance Company $399 $510 $461 $640 $808 $859 $577 $451 $395CSAA General Insurance Company $528 $535 $537 $879 $1,080 $1,120 $741 $555 $695Encompass Home and Auto Insurance Company $440 $433 $448 $649 $771 $839 $579 $462 $452Esurance Property & Casualty Insurance Company $501 $456 $494 $931 $1,003 $1,263 $854 $536 $581Farmers Insurance Exchange $561 $530 $473 $1,087 $1,089 $1,350 $1,241 $642 $586Garrison Property & Casualty Insurance Company $383 $353 $310 $483 $514 $516 $353 $384 $357GEICO Advantage Insurance Company $228 $207 $204 $272 $317 $344 $233 $207 $231GEICO Choice Insurance Company $337 $305 $300 $402 $466 $514 $346 $305 $342GEICO Secure Insurance Company $446 $404 $399 $530 $616 $670 $456 $404 $452Hartford Accident and Indemnity Company $324 $325 $233 $447 $585 $634 $402 $328 $341Liberty Mutual General Insurance Company $692 $746 $975 $1,262 $1,515 $1,742 $961 $1,035 $1,501Nevada Capital Insurance Company $281 $262 $262 $523 $565 $713 $262 $302 $369Progressive Direct Insurance Company $305 $264 $288 $493 $628 $688 $456 $364 $307Progressive Northern Insurance Company $438 $391 $405 $780 $1,019 $1,088 $625 $502 $446Safeco Insurance Company of Illinois $196 $199 $194 $302 $318 $397 $269 $210 $192Standard Fire Insurance Company $334 $332 $307 $533 $664 $762 $468 $377 $459State Farm Fire & Casualty Company $586 $536 $517 $901 $1,212 $1,153 $588 $534 $684State Farm Mutual Automobile Insurance Company $429 $395 $380 $650 $875 $823 $436 $392 $509Trumbull Insurance Company $352 $347 $327 $525 $673 $674 $478 $368 $392United Services Automobile Association $344 $339 $296 $464 $492 $499 $356 $367 $342USAA Casualty Insurance Company $354 $363 $304 $474 $504 $508 $365 $352 $351USAA General Indemnity Company $233 $228 $203 $308 $327 $327 $240 $232 $232

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a best possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

92

EXAMPLE N - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $561 $581 $555 $778 $1,035 $1,085 $649 $589 $561Allstate Indemnity Company $966 $1,186 $1,093 $1,337 $1,533 $1,789 $1,170 $1,142 $1,186American Access Casualty Company $1,040 $2,730 $1,288 $1,217 $1,325 $1,469 $1,063 $1,223 N/AAmerican Family Insurance Company $447 $574 $514 $683 $828 $872 $634 $505 $447CSAA General Insurance Company $744 $781 $789 $1,176 $1,428 $1,476 $1,027 $799 $992Encompass Home and Auto Insurance Company $529 $533 $547 $747 $896 $967 $687 $562 $549Esurance Property & Casualty Insurance Company $567 $540 $560 $901 $971 $1,193 $857 $629 $666Farmers Insurance Exchange $844 $804 $698 $1,277 $1,349 $1,565 $1,488 $848 $846Garrison Property & Casualty Insurance Company $453 $421 $371 $540 $575 $576 $421 $449 $425GEICO Advantage Insurance Company $264 $232 $225 $285 $326 $349 $265 $232 $270GEICO Choice Insurance Company $399 $349 $338 $426 $484 $523 $400 $349 $410GEICO Secure Insurance Company $514 $453 $439 $547 $620 $667 $515 $453 $527Hartford Accident and Indemnity Company $344 $373 $262 $453 $588 $630 $415 $357 $373Key Insurance Company $1,042 $1,102 $1,102 $1,378 $1,492 $1,708 $1,282 $1,138 $1,186Liberty Mutual General Insurance Company $672 $724 $946 $1,224 $1,470 $1,690 $932 $1,004 $1,457Loya Insurance Company $912 $912 $912 $858 $855 $893 $901 $912 $912Nevada Capital Insurance Company $520 $474 $474 $940 $1,031 $1,311 $474 $557 $700Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $834 $906 $906 $1,002 $1,188 $1,302 $1,050 $846 $906Primero Insurance Company $1,008 $1,008 $966 $1,428 $1,566 $1,566 $1,428 $1,068 $966Progressive Direct Insurance Company $308 $280 $296 $456 $566 $618 $432 $360 $315Progressive Northern Insurance Company $417 $384 $395 $666 $849 $913 $563 $471 $428Safeco Insurance Company of Illinois $230 $238 $232 $336 $352 $434 $307 $250 $229Standard Fire Insurance Company $427 $429 $399 $644 $775 $896 $571 $473 $553State Farm Fire & Casualty Company $624 $601 $573 $872 $1,176 $1,097 $657 $588 $780State Farm Mutual Automobile Insurance Company $493 $476 $454 $682 $920 $851 $521 $465 $623Trumbull Insurance Company $485 $488 $460 $654 $804 $798 $612 $504 $536United Services Automobile Association $402 $403 $353 $515 $548 $553 $419 $429 $406USAA Casualty Insurance Company $424 $449 $368 $545 $582 $588 $440 $419 $426USAA General Indemnity Company $353 $352 $311 $447 $477 $476 $366 $351 $357

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

93

EXAMPLE N - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $682 $700 $676 $1,127 $1,591 $1,655 $817 $708 $682Allstate Indemnity Company $1,099 $1,292 $1,190 $1,668 $1,935 $2,226 $1,295 $1,312 $1,292American Access Casualty Company $1,150 $2,930 $1,436 $1,358 $1,495 $1,632 $1,339 $1,365 N/AAmerican Family Insurance Company $491 $645 $575 $795 $993 $1,049 $721 $560 $488CSAA General Insurance Company $810 $825 $825 $1,370 $1,691 $1,749 $1,135 $851 $1,064Encompass Home and Auto Insurance Company $538 $537 $550 $802 $938 $1,017 $686 $564 $553Esurance Property & Casualty Insurance Company $842 $774 $831 $1,562 $1,691 $2,129 $1,439 $904 $971Farmers Insurance Exchange $848 $818 $730 $1,604 $1,582 $2,007 $1,927 $982 $874Garrison Property & Casualty Insurance Company $547 $506 $445 $683 $729 $730 $506 $547 $510GEICO Advantage Insurance Company $369 $335 $328 $444 $525 $568 $379 $335 $376GEICO Choice Insurance Company $550 $498 $487 $660 $773 $849 $565 $498 $561GEICO Secure Insurance Company $717 $649 $636 $861 $1,014 $1,101 $736 $649 $732Hartford Accident and Indemnity Company $451 $441 $314 $656 $864 $942 $573 $451 $471Liberty Mutual General Insurance Company $832 $896 $1,172 $1,516 $1,821 $2,093 $1,154 $1,244 $1,804Nevada Capital Insurance Company $607 $559 $559 $1,202 $1,313 $1,652 $559 $653 $797Progressive Direct Insurance Company $493 $420 $463 $829 $1,074 $1,181 $759 $593 $486Progressive Northern Insurance Company $726 $643 $671 $1,339 $1,768 $1,889 $1,056 $839 $730Safeco Insurance Company of Illinois $254 $258 $253 $399 $422 $527 $351 $272 $248Standard Fire Insurance Company $493 $485 $450 $801 $1,000 $1,156 $698 $556 $674State Farm Fire & Casualty Company $881 $823 $789 $1,322 $1,787 $1,688 $908 $815 $1,054State Farm Mutual Automobile Insurance Company $666 $625 $598 $985 $1,333 $1,248 $693 $619 $808Trumbull Insurance Company $544 $529 $503 $832 $1,062 $1,067 $758 $558 $599United Services Automobile Association $481 $476 $415 $642 $685 $692 $501 $514 $479USAA Casualty Insurance Company $510 $532 $442 $686 $729 $737 $532 $505 $510USAA General Indemnity Company $378 $374 $330 $504 $536 $537 $393 $373 $378

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

94

EXAMPLE N - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $512 $524 $502 $729 $974 $1,021 $601 $535 $512Allstate Indemnity Company $954 $1,119 $1,036 $1,354 $1,548 $1,792 $1,124 $1,134 $1,119American Access Casualty Company $888 $2,286 $1,127 $1,065 $1,185 $1,285 $1,046 $1,068 N/AAmerican Family Insurance Company $427 $547 $492 $663 $815 $860 $610 $482 $426CSAA General Insurance Company $754 $787 $798 $1,190 $1,436 $1,494 $1,048 $810 $1,008Encompass Home and Auto Insurance Company $605 $601 $621 $859 $1,035 $1,120 $796 $642 $628Esurance Property & Casualty Insurance Company $569 $537 $563 $911 $974 $1,207 $865 $632 $676Farmers Insurance Exchange $939 $877 $764 $1,563 $1,644 $1,904 $1,729 $967 $953Garrison Property & Casualty Insurance Company $428 $393 $345 $515 $549 $549 $393 $424 $400GEICO Advantage Insurance Company $266 $231 $226 $286 $326 $349 $266 $231 $271GEICO Choice Insurance Company $402 $346 $339 $428 $483 $523 $401 $346 $410GEICO Secure Insurance Company $516 $448 $439 $548 $617 $664 $515 $448 $526Hartford Accident and Indemnity Company $345 $374 $264 $441 $569 $608 $407 $363 $375Key Insurance Company $994 $1,060 $1,060 $1,324 $1,438 $1,636 $1,216 $1,096 $1,126Liberty Mutual General Insurance Company $673 $725 $948 $1,226 $1,473 $1,693 $934 $1,006 $1,459Loya Insurance Company $843 $843 $843 $791 $791 $825 $834 $843 $843Nevada Capital Insurance Company $523 $481 $481 $901 $977 $1,258 $481 $563 $714Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $888 $954 $954 $1,056 $1,254 $1,368 $1,110 $906 $954Primero Insurance Company $714 $714 $684 $1,068 $1,170 $1,170 $1,068 $762 $684Progressive Direct Insurance Company $320 $292 $308 $470 $578 $633 $446 $375 $329Progressive Northern Insurance Company $432 $398 $407 $684 $866 $929 $581 $488 $447Safeco Insurance Company of Illinois $232 $240 $234 $338 $354 $439 $312 $254 $231Standard Fire Insurance Company $542 $549 $505 $817 $983 $1,140 $729 $604 $715State Farm Fire & Casualty Company $600 $573 $548 $847 $1,143 $1,062 $630 $562 $748State Farm Mutual Automobile Insurance Company $474 $453 $434 $662 $894 $823 $500 $445 $597Trumbull Insurance Company $381 $389 $366 $514 $641 $634 $479 $406 $429United Services Automobile Association $379 $378 $329 $493 $522 $530 $394 $407 $383USAA Casualty Insurance Company $402 $424 $346 $525 $559 $565 $416 $400 $403USAA General Indemnity Company $330 $328 $289 $426 $453 $453 $341 $330 $334

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

95

EXAMPLE N - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $639 $649 $629 $1,088 $1,545 $1,607 $778 $660 $639Allstate Indemnity Company $1,135 $1,279 $1,180 $1,770 $2,057 $2,353 $1,305 $1,366 $1,279American Access Casualty Company $998 $2,486 $1,275 $1,206 $1,355 $1,448 $1,180 $1,210 N/AAmerican Family Insurance Company $476 $625 $559 $785 $996 $1,056 $705 $543 $471CSAA General Insurance Company $823 $834 $836 $1,387 $1,708 $1,778 $1,160 $862 $1,079Encompass Home and Auto Insurance Company $606 $598 $617 $904 $1,066 $1,158 $787 $637 $624Esurance Property & Casualty Insurance Company $859 $784 $849 $1,610 $1,736 $2,196 $1,480 $922 $999Farmers Insurance Exchange $966 $919 $822 $1,949 $1,927 $2,431 $2,247 $1,137 $1,011Garrison Property & Casualty Insurance Company $527 $485 $425 $667 $709 $713 $485 $527 $489GEICO Advantage Insurance Company $374 $337 $332 $452 $532 $578 $384 $337 $380GEICO Choice Insurance Company $559 $501 $494 $673 $785 $869 $574 $501 $567GEICO Secure Insurance Company $724 $650 $641 $873 $1,024 $1,119 $743 $650 $736Hartford Accident and Indemnity Company $441 $437 $311 $625 $817 $891 $553 $450 $463Liberty Mutual General Insurance Company $838 $903 $1,181 $1,528 $1,835 $2,109 $1,163 $1,253 $1,818Nevada Capital Insurance Company $604 $560 $560 $1,146 $1,238 $1,575 $560 $651 $803Progressive Direct Insurance Company $499 $426 $470 $832 $1,071 $1,178 $763 $601 $495Progressive Northern Insurance Company $732 $648 $676 $1,338 $1,760 $1,878 $1,058 $846 $740Safeco Insurance Company of Illinois $257 $261 $256 $404 $426 $535 $361 $276 $251Standard Fire Insurance Company $619 $615 $565 $1,008 $1,258 $1,455 $883 $705 $861State Farm Fire & Casualty Company $857 $795 $764 $1,297 $1,754 $1,653 $881 $789 $1,022State Farm Mutual Automobile Insurance Company $647 $602 $578 $965 $1,307 $1,220 $672 $599 $782Trumbull Insurance Company $445 $437 $413 $680 $878 $881 $618 $466 $496United Services Automobile Association $464 $458 $399 $630 $670 $677 $483 $498 $459USAA Casualty Insurance Company $495 $511 $427 $675 $716 $725 $514 $494 $493USAA General Indemnity Company $362 $355 $312 $489 $520 $522 $374 $361 $360

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with an average/neutral credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

96

EXAMPLE O - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $907 $945 $903 $1,345 $1,843 $1,927 $1,058 $954 $907Allstate Indemnity Company $1,133 $1,404 $1,291 $1,558 $1,792 $2,094 $1,380 $1,340 $1,404American Access Casualty Company $1,040 $2,730 $1,288 $1,217 $1,325 $1,469 $1,063 $1,223 N/AAmerican Family Insurance Company $541 $708 $631 $841 $1,023 $1,075 $789 $616 $546CSAA General Insurance Company $1,363 $1,436 $1,450 N/A $2,649 $2,746 $1,885 $1,465 $1,812Encompass Home and Auto Insurance Company $914 $927 $952 $1,296 $1,575 $1,704 $1,216 $975 $950Esurance Property & Casualty Insurance Company $733 $699 $724 $1,167 $1,260 $1,550 $1,112 $814 $861Farmers Insurance Exchange $1,127 $1,081 $940 $1,741 $1,820 $2,141 $2,052 $1,150 $1,125Garrison Property & Casualty Insurance Company $1,030 $959 $845 $1,223 $1,303 $1,310 $959 $1,016 $967GEICO Advantage Insurance Company $394 $344 $333 $426 $491 $527 $396 $344 $404GEICO Choice Insurance Company $600 $521 $504 $642 $733 $794 $601 $521 $616GEICO Secure Insurance Company $760 $664 $643 $813 $926 $1,000 $762 $664 $780Hartford Accident and Indemnity Company $781 $921 $644 $1,032 $1,333 $1,434 $952 $863 $863Key Insurance Company $1,042 $1,102 $1,102 $1,378 $1,492 $1,708 $1,282 $1,138 $1,186Liberty Mutual General Insurance Company $869 $936 $1,224 $1,584 $1,902 $2,186 $1,206 $1,299 $1,884Loya Insurance Company $912 $912 $912 $858 $855 $893 $901 $912 $912Nevada Capital Insurance Company $831 $755 $755 $1,518 $1,667 $2,120 $755 $893 $1,124Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $834 $906 $906 $1,002 $1,188 $1,302 $1,050 $846 $906Primero Insurance Company $1,296 $1,296 $1,236 $1,830 $2,004 $2,004 $1,830 $1,368 $1,236Progressive Direct Insurance Company $417 $383 $402 $611 $752 $825 $579 $490 $427Progressive Northern Insurance Company $545 $507 $516 $861 $1,092 $1,178 $732 $616 $561Safeco Insurance Company of Illinois $251 $82 $81 $126 $133 $161 $107 $86 $80Standard Fire Insurance Company $538 $539 $501 $813 $984 $1,143 $723 $594 $692State Farm Fire & Casualty Company $2,960 $2,891 $2,759 $3,972 $5,274 $4,912 $3,145 $2,828 $3,686State Farm Mutual Automobile Insurance Company $2,422 $2,356 $2,255 $3,214 $4,251 $3,938 $2,562 $2,304 $3,017Trumbull Insurance Company $1,041 $1,080 $1,016 $1,511 $1,901 $1,893 $1,406 $1,115 $1,178United Services Automobile Association $1,029 $1,039 $902 $1,296 $1,383 $1,401 $1,079 $1,093 $1,049USAA Casualty Insurance Company $1,246 $1,349 $1,080 $1,599 $1,707 $1,732 $1,301 $1,230 $1,265USAA General Indemnity Company $499 $498 $436 $638 $680 $681 $519 $493 $503

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

97

EXAMPLE O - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,190 $1,225 $1,186 $2,158 $3,137 $3,243 $1,422 $1,234 $1,190Allstate Indemnity Company $1,279 $1,516 $1,394 $1,922 $2,237 $2,578 $1,516 $1,530 $1,516American Access Casualty Company $1,150 $2,930 $1,436 $1,358 $1,495 $1,632 $1,339 $1,365 N/AAmerican Family Insurance Company $596 $798 $708 $982 $1,230 $1,298 $898 $685 $597CSAA General Insurance Company $1,534 $1,565 $1,561 $2,626 $3,260 $3,387 $2,164 $1,609 $2,007Encompass Home and Auto Insurance Company $893 $894 $919 $1,323 $1,578 $1,715 $1,176 $942 $920Esurance Property & Casualty Insurance Company $1,096 $1,012 $1,085 $2,045 $2,214 $2,792 $1,886 $1,177 $1,265Farmers Insurance Exchange $1,482 $1,445 $1,300 $2,990 $2,882 $3,765 $3,662 $1,797 $1,520Garrison Property & Casualty Insurance Company $1,309 $1,216 $1,077 $1,628 $1,731 $1,742 $1,216 $1,301 $1,223GEICO Advantage Insurance Company $559 $505 $494 $677 $803 $870 $574 $505 $569GEICO Choice Insurance Company $836 $754 $737 $1,008 $1,185 $1,305 $859 $754 $854GEICO Secure Insurance Company $1,079 $973 $951 $1,305 $1,544 $1,681 $1,108 $973 $1,102Hartford Accident and Indemnity Company $1,045 $1,059 $751 $1,543 $2,029 $2,225 $1,338 $1,095 $1,091Liberty Mutual General Insurance Company $1,097 $1,182 $1,545 $1,999 $2,401 $2,760 $1,522 $1,640 $2,379Nevada Capital Insurance Company $974 $894 $894 $1,944 $2,123 $2,672 $894 $1,046 $1,282Progressive Direct Insurance Company $665 $569 $626 $1,109 $1,428 $1,576 $1,018 $801 $656Progressive Northern Insurance Company $946 $842 $876 $1,729 $2,277 $2,438 $1,368 $1,093 $949Safeco Insurance Company of Illinois $279 $71 $69 $110 $116 $146 $97 $75 $68Standard Fire Insurance Company $633 $623 $578 $1,035 $1,296 $1,504 $903 $715 $858State Farm Fire & Casualty Company $3,684 $3,525 $3,367 $5,245 $7,047 $6,591 $3,914 $3,488 $4,483State Farm Mutual Automobile Insurance Company $2,957 $2,822 $2,703 $4,154 $5,565 $5,172 $3,137 $2,791 $3,610Trumbull Insurance Company $1,257 $1,247 $1,185 $2,065 $2,686 $2,710 $1,871 $1,319 $1,405United Services Automobile Association $1,189 $1,190 $1,037 $1,581 $1,684 $1,708 $1,251 $1,272 $1,195USAA Casualty Insurance Company $1,485 $1,570 $1,284 $1,998 $2,128 $2,156 $1,552 $1,468 $1,486USAA General Indemnity Company $538 $532 $466 $722 $770 $771 $560 $532 $538

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

98

EXAMPLE O - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $818 $842 $807 $1,255 $1,731 $1,809 $970 $856 $818Allstate Indemnity Company $1,109 $1,312 $1,212 $1,566 $1,795 $2,081 $1,313 $1,320 $1,312American Access Casualty Company $888 $2,286 $1,127 $1,065 $1,185 $1,285 $1,046 $1,068 N/AAmerican Family Insurance Company $512 $669 $599 $809 $997 $1,050 $751 $582 $515CSAA General Insurance Company $1,375 $1,439 $1,457 $2,194 $2,662 $2,773 $1,918 $1,475 $1,833Encompass Home and Auto Insurance Company $1,053 $1,050 $1,086 $1,501 $1,829 $1,986 $1,418 $1,122 $1,094Esurance Property & Casualty Insurance Company $736 $695 $727 $1,179 $1,261 $1,566 $1,118 $818 $874Farmers Insurance Exchange $1,234 $1,163 $1,014 $2,098 $2,185 $2,563 $2,352 $1,292 $1,246Garrison Property & Casualty Insurance Company $972 $896 $788 $1,178 $1,252 $1,256 $896 $962 $908GEICO Advantage Insurance Company $397 $341 $334 $428 $490 $526 $397 $341 $405GEICO Choice Insurance Company $603 $517 $505 $644 $731 $793 $603 $517 $616GEICO Secure Insurance Company $764 $657 $643 $814 $922 $996 $763 $657 $779Hartford Accident and Indemnity Company $777 $918 $641 $1,003 $1,290 $1,389 $934 $865 $860Key Insurance Company $994 $1,060 $1,060 $1,324 $1,438 $1,636 $1,216 $1,096 $1,126Liberty Mutual General Insurance Company $872 $939 $1,228 $1,589 $1,908 $2,194 $1,210 $1,303 $1,891Loya Insurance Company $843 $843 $843 $791 $791 $825 $834 $843 $843Nevada Capital Insurance Company $836 $768 $768 $1,454 $1,581 $2,034 $768 $904 $1,149Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $888 $954 $954 $1,056 $1,254 $1,368 $1,110 $906 $954Primero Insurance Company $918 $918 $870 $1,361 $1,494 $1,494 $1,361 $972 $870Progressive Direct Insurance Company $432 $395 $417 $625 $770 $840 $599 $509 $446Progressive Northern Insurance Company $567 $524 $538 $884 $1,119 $1,204 $758 $643 $587Safeco Insurance Company of Illinois $254 $263 $256 $371 $389 $482 $343 $277 $253Standard Fire Insurance Company $678 $682 $628 $1,022 $1,235 $1,439 $912 $751 $883State Farm Fire & Casualty Company $2,853 $2,761 $2,644 $3,855 $5,125 $4,753 $3,024 $2,711 $3,537State Farm Mutual Automobile Insurance Company $2,336 $2,255 $2,166 $3,122 $4,134 $3,814 $2,467 $2,214 $2,899Trumbull Insurance Company $850 $903 $844 $1,210 $1,529 $1,518 $1,126 $937 $978United Services Automobile Association $958 $960 $829 $1,238 $1,317 $1,333 $999 $1,027 $971USAA Casualty Insurance Company $1,174 $1,258 $1,003 $1,535 $1,633 $1,655 $1,217 $1,168 $1,183USAA General Indemnity Company $465 $463 $403 $606 $646 $646 $482 $465 $469

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

99

EXAMPLE O - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,111 $1,132 $1,100 $2,086 $3,051 $3,154 $1,351 $1,146 $1,111Allstate Indemnity Company $1,312 $1,488 $1,372 $2,031 $2,366 $2,711 $1,516 $1,583 $1,488American Access Casualty Company $998 $2,486 $1,275 $1,206 $1,355 $1,448 $1,180 $1,210 N/AAmerican Family Insurance Company $573 $767 $682 $962 $1,223 $1,294 $870 $658 $571CSAA General Insurance Company $1,557 $1,579 $1,578 $2,671 $3,306 $3,453 $2,212 $1,629 $2,040Encompass Home and Auto Insurance Company $1,019 $1,007 $1,042 $1,512 $738 $1,978 $1,365 $1,074 $1,049Esurance Property & Casualty Insurance Company $1,121 $1,028 $1,110 $2,108 $2,273 $2,883 $1,939 $1,203 $1,303Farmers Insurance Exchange $1,657 $1,598 $1,440 $3,555 $3,434 $4,461 $4,199 $2,045 $1,724Garrison Property & Casualty Insurance Company $1,274 $1,176 $1,043 $1,618 $1,714 $1,726 $1,176 $1,273 $1,181GEICO Advantage Insurance Company $567 $508 $501 $688 $814 $887 $582 $508 $575GEICO Choice Insurance Company $849 $759 $748 $1,028 $1,204 $1,336 $873 $759 $863GEICO Secure Insurance Company $1,090 $974 $960 $1,323 $1,560 $1,709 $1,119 $974 $1,108Hartford Accident and Indemnity Company $1,024 $1,046 $742 $1,478 $1,931 $2,119 $1,295 $1,086 $1,071Liberty Mutual General Insurance Company $1,107 $1,193 $1,560 $2,018 $2,424 $2,787 $1,537 $1,656 $2,402Nevada Capital Insurance Company $967 $896 $896 $1,850 $2,003 $2,546 $896 $1,043 $1,294Progressive Direct Insurance Company $672 $576 $633 $1,110 $1,425 $1,566 $1,022 $809 $669Progressive Northern Insurance Company $952 $847 $884 $1,721 $2,261 $2,417 $1,369 $1,100 $963Safeco Insurance Company of Illinois $283 $287 $281 $446 $471 $592 $400 $304 $277Standard Fire Insurance Company $787 $777 $715 $1,284 $1,608 $1,867 $1,124 $892 $1,082State Farm Fire & Casualty Company $3,577 $3,395 $3,251 $5,128 $6,898 $6,433 $3,793 $3,372 $4,334State Farm Mutual Automobile Insurance Company $2,872 $2,722 $2,613 $4,062 $5,448 $5,047 $3,043 $2,701 $3,491Trumbull Insurance Company $1,039 $1,047 $989 $1,694 $2,219 $2,236 $1,529 $1,115 $1,175United Services Automobile Association $1,150 $1,142 $995 $1,566 $1,664 $1,688 $1,206 $1,238 $1,148USAA Casualty Insurance Company $1,443 $1,514 $1,240 $1,982 $2,105 $2,130 $1,506 $1,436 $1,436USAA General Indemnity Company $513 $507 $443 $703 $749 $750 $535 $513 $511

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married couple, both 45 years old. Clean driving records. Each drives 15 miles, round trip, to work daily. Annual mileage is 15,000 on each vehicle. Multi-car discount applies. The husband is rated with a worst possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

100

EXAMPLE P - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $513 $526 $506 $642 $806 $847 $586 $535 $513Allstate Indemnity Company $857 $1,029 $951 $1,199 $1,368 $1,591 $1,024 $1,013 $1,029American Access Casualty Company $1,286 $3,460 $1,576 $1,487 $1,601 $1,804 $1,480 $1,499 N/AAmerican Family Insurance Company $365 $461 $416 $557 $679 $714 $506 $408 $361CSAA General Insurance Company $342 $350 $354 $533 $646 $663 $465 $362 $451Encompass Home and Auto Insurance Company $441 $438 $453 $614 $747 $807 $584 $468 $458Esurance Property & Casualty Insurance Company $460 $428 $450 $698 $742 $895 $658 $497 $527Farmers Insurance Exchange $626 $585 $500 $825 $921 $993 $918 $577 $629Garrison Property & Casualty Insurance Company $354 $325 $287 $432 $460 $460 $325 $353 $331GEICO Advantage Insurance Company $183 $164 $162 $203 $231 $242 $184 $164 $187GEICO Choice Insurance Company $257 $229 $225 $281 $317 $334 $257 $229 $264GEICO Secure Insurance Company $369 $331 $326 $395 $439 $463 $369 $331 $377Hartford Accident and Indemnity Company $324 $336 $247 $410 $523 $559 $381 $324 $347Hartford Insurance Company Of The Midwest $311 $307 $291 $402 $487 $482 $379 $317 $339Key Insurance Company $680 $704 $704 $878 $956 $1,100 $824 $722 $764Liberty Mutual General Insurance Company $720 $776 $1,015 $1,313 $1,577 $1,812 $1,000 $1,077 $1,562Loya Insurance Company $1,057 $1,057 $1,057 $983 $982 $1,033 $1,044 $1,057 $1,057Nevada Capital Insurance Company $220 $202 $202 $392 $428 $541 $202 $237 $293Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $1,110 $1,194 $1,194 $1,344 $1,602 $1,746 $1,404 $1,140 $1,194Primero Insurance Company $1,062 $1,062 $1,008 $1,476 $1,627 $1,627 $1,476 $1,122 $1,008Progressive Direct Insurance Company $249 $227 $239 $350 $426 $458 $333 $283 $255Progressive Northern Insurance Company $296 $269 $278 $468 $593 $631 $397 $331 $306Safeco Insurance Company of Illinois $213 $218 $213 $306 $319 $386 $275 $228 $211Standard Fire Insurance Company $292 $292 $274 $420 $497 $565 $378 $318 $370State Farm Fire & Casualty Company $369 $349 $336 $528 $709 $666 $380 $343 $451State Farm Mutual Automobile Insurance Company $283 $269 $258 $400 $539 $501 $293 $263 $352Trumbull Insurance Company $329 $324 $306 $425 $518 $511 $402 $335 $360Twin City Fire Insurance Company $324 $335 $247 $407 $520 $553 $379 $323 $346United Services Automobile Association $317 $315 $274 $417 $444 $448 $330 $340 $318USAA Casualty Insurance Company $328 $342 $280 $431 $458 $464 $339 $326 $328USAA General Indemnity Company $252 $250 $222 $325 $345 $345 $261 $252 $254

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

101

EXAMPLE P - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $565 $577 $558 $789 $1,040 $1,092 $678 $586 $565Allstate Indemnity Company $991 $1,143 $1,055 $1,526 $1,762 $2,025 $1,156 $1,182 $1,143American Access Casualty Company $1,402 $3,678 $1,735 $1,639 $1,786 $1,980 $1,624 $1,650 N/AAmerican Family Insurance Company $403 $521 $468 $652 $818 $865 $579 $455 $396CSAA General Insurance Company $424 $427 $427 $710 $874 $898 $588 $445 $557Encompass Home and Auto Insurance Company $476 $469 $486 $686 $826 $896 $630 $502 $491Esurance Property & Casualty Insurance Company $621 $564 $608 $1,099 $1,182 $1,461 $1,011 $658 $706Farmers Insurance Exchange $530 $504 $443 $881 $914 $1,092 $1,012 $562 $556Garrison Property & Casualty Insurance Company $451 $412 $361 $577 $617 $617 $412 $452 $418GEICO Advantage Insurance Company $253 $232 $230 $309 $365 $387 $260 $232 $258GEICO Choice Insurance Company $349 $319 $315 $422 $493 $530 $357 $319 $357GEICO Secure Insurance Company $501 $458 $453 $595 $691 $738 $510 $458 $510Hartford Accident and Indemnity Company $380 $374 $276 $527 $687 $741 $474 $372 $399Hartford Insurance Company Of The Midwest $334 $322 $306 $475 $592 $591 $440 $335 $364Liberty Mutual General Insurance Company $849 $915 $1,196 $1,548 $1,859 $2,137 $1,179 $1,270 $1,842Nevada Capital Insurance Company $259 $239 $239 $503 $547 $685 $239 $276 $334Progressive Direct Insurance Company $370 $318 $349 $595 $756 $824 $547 $435 $367Progressive Northern Insurance Company $488 $429 $450 $879 $1,152 $1,228 $700 $558 $493Safeco Insurance Company of Illinois $240 $242 $237 $370 $390 $479 $320 $253 $234Standard Fire Insurance Company $330 $326 $304 $512 $628 $716 $453 $367 $442State Farm Fire & Casualty Company $599 $545 $527 $928 $1,244 $1,189 $591 $541 $689State Farm Mutual Automobile Insurance Company $428 $393 $379 $653 $879 $830 $430 $390 $504Trumbull Insurance Company $354 $340 $324 $510 $637 $637 $472 $355 $385Twin City Fire Insurance Company $378 $372 $274 $520 $679 $734 $470 $369 $397United Services Automobile Association $387 $380 $331 $531 $567 $573 $403 $417 $385USAA Casualty Insurance Company $397 $408 $340 $545 $582 $586 $414 $395 $395USAA General Indemnity Company $272 $268 $237 $367 $391 $391 $282 $271 $272

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

102

EXAMPLE P - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $480 $488 $471 $610 $767 $806 $555 $499 $480Allstate Indemnity Company $865 $996 $923 $1,239 $1,411 $1,630 $1,008 $1,029 $996American Access Casualty Company $1,091 $2,890 $1,369 $1,292 $1,422 $1,566 $1,276 $1,300 N/AAmerican Family Insurance Company $355 $447 $405 $550 $679 $717 $495 $396 $350CSAA General Insurance Company $343 $352 $359 $537 $645 $666 $472 $366 $458Encompass Home and Auto Insurance Company $513 $502 $523 $721 $880 $953 $689 $545 $532Esurance Property & Casualty Insurance Company $469 $436 $461 $715 $759 $919 $675 $508 $541Farmers Insurance Exchange $720 $658 $566 $1,061 $1,173 $1,271 $1,109 $681 $733Garrison Property & Casualty Insurance Company $338 $308 $271 $416 $442 $440 $308 $338 $314GEICO Advantage Insurance Company $184 $164 $162 $203 $231 $242 $185 $164 $188GEICO Choice Insurance Company $259 $229 $226 $281 $316 $335 $258 $229 $264GEICO Secure Insurance Company $373 $332 $328 $397 $440 $465 $372 $332 $380Hartford Accident and Indemnity Company $326 $339 $250 $401 $508 $540 $374 $329 $350Hartford Insurance Company Of The Midwest $328 $323 $306 $411 $497 $489 $388 $336 $358Key Insurance Company $608 $638 $638 $800 $878 $1,004 $728 $662 $680Liberty Mutual General Insurance Company $697 $751 $982 $1,271 $1,526 $1,755 $968 $1,042 $1,512Loya Insurance Company $988 $988 $988 $917 $917 $966 $976 $988 $988Nevada Capital Insurance Company $219 $205 $205 $369 $400 $511 $205 $236 $295Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $1,164 $1,266 $1,266 $1,416 $1,686 $1,842 $1,488 $1,200 $1,266Primero Insurance Company $738 $738 $702 $1,080 $1,194 $1,194 $1,080 $780 $702Progressive Direct Insurance Company $260 $237 $249 $366 $442 $475 $347 $295 $267Progressive Northern Insurance Company $314 $285 $294 $493 $623 $661 $420 $351 $327Safeco Insurance Company of Illinois $214 $219 $214 $306 $319 $387 $278 $229 $212State Farm Fire & Casualty Company $356 $334 $323 $515 $693 $648 $366 $329 $434State Farm Mutual Automobile Insurance Company $274 $258 $248 $389 $525 $487 $283 $253 $338Trumbull Insurance Company $348 $342 $322 $437 $527 $520 $412 $355 $380Twin City Fire Insurance Company $323 $337 $248 $398 $504 $536 $374 $328 $347United Services Automobile Association $303 $298 $258 $403 $428 $431 $313 $326 $303USAA Casualty Insurance Company $313 $324 $267 $416 $442 $447 $324 $313 $313USAA General Indemnity Company $239 $236 $209 $311 $330 $331 $247 $240 $240

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

103

EXAMPLE P - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $537 $544 $528 $765 $1,013 $1,065 $654 $554 $537Allstate Indemnity Company $1,041 $1,157 $1,069 $1,644 $1,903 $2,176 $1,189 $1,253 $1,157American Access Casualty Company $1,207 $3,108 $1,528 $1,444 $1,607 $1,742 $1,420 $1,451 N/AAmerican Family Insurance Company $396 $512 $461 $653 $832 $883 $576 $448 $389CSAA General Insurance Company $427 $429 $430 $709 $872 $899 $595 $447 $561Encompass Home and Auto Insurance Company $550 $536 $558 $797 $964 $1,048 $740 $580 $567Esurance Property & Casualty Insurance Company $638 $580 $627 $1,137 $1,221 $1,516 $1,045 $677 $730Farmers Insurance Exchange $622 $582 $513 $1,128 $1,167 $1,394 $1,232 $676 $664Garrison Property & Casualty Insurance Company $437 $397 $347 $565 $602 $602 $397 $439 $403GEICO Advantage Insurance Company $256 $234 $233 $313 $369 $394 $263 $234 $260GEICO Choice Insurance Company $354 $322 $320 $428 $499 $540 $362 $322 $359GEICO Secure Insurance Company $507 $462 $459 $604 $699 $751 $518 $462 $515Hartford Accident and Indemnity Company $373 $373 $274 $502 $649 $699 $457 $373 $393Hartford Insurance Company Of The Midwest $344 $332 $316 $470 $582 $581 $437 $347 $372Liberty Mutual General Insurance Company $817 $881 $1,151 $1,490 $1,789 $2,057 $1,134 $1,222 $1,772Nevada Capital Insurance Company $254 $237 $237 $473 $510 $644 $237 $273 $332Progressive Direct Insurance Company $380 $328 $359 $608 $773 $841 $559 $448 $378Progressive Northern Insurance Company $505 $444 $465 $906 $1,186 $1,259 $723 $577 $513Safeco Insurance Company of Illinois $241 $243 $238 $371 $390 $481 $324 $254 $235State Farm Fire & Casualty Company $586 $530 $514 $915 $1,228 $1,171 $577 $527 $672State Farm Mutual Automobile Insurance Company $419 $382 $369 $642 $865 $816 $420 $380 $490Trumbull Insurance Company $365 $351 $334 $504 $627 $623 $467 $368 $395Twin City Fire Insurance Company $370 $370 $274 $498 $643 $693 $455 $372 $392United Services Automobile Association $377 $369 $322 $522 $557 $562 $391 $407 $372USAA Casualty Insurance Company $386 $394 $328 $533 $568 $571 $400 $385 $382USAA General Indemnity Company $263 $257 $227 $361 $381 $382 $272 $264 $261

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as best possible credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

104

EXAMPLE Q - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $684 $703 $673 $888 $1,142 $1,202 $795 $715 $684Allstate Indemnity Company $1,011 $1,227 $1,130 $1,405 $1,609 $1,875 $1,216 $1,196 $1,227American Access Casualty Company $1,286 $3,460 $1,576 $1,487 $1,601 $1,804 $1,480 $1,499 N/AAmerican Family Insurance Company $435 $564 $504 $684 $836 $877 $617 $490 $430CSAA General Insurance Company $604 $622 $629 $951 $1,157 $1,191 $824 $640 $800Encompass Home and Auto Insurance Company $612 $608 $629 $855 $1,039 $1,122 $808 $651 $636Esurance Property & Casualty Insurance Company $766 $721 $754 $1,162 $1,237 $1,500 $1,104 $835 $885Farmers Insurance Exchange $897 $840 $721 $1,232 $1,356 $1,493 $1,380 $847 $907Garrison Property & Casualty Insurance Company $505 $463 $406 $617 $658 $658 $463 $502 $471GEICO Advantage Insurance Company $280 $247 $243 $315 $365 $384 $281 $247 $288GEICO Choice Insurance Company $398 $348 $341 $439 $503 $534 $398 $348 $410GEICO Secure Insurance Company $559 $491 $482 $603 $682 $724 $557 $491 $573Hartford Accident and Indemnity Company $423 $439 $316 $550 $709 $759 $506 $424 $455Hartford Insurance Company Of The Midwest $383 $377 $357 $504 $617 $610 $473 $390 $421Key Insurance Company $680 $704 $704 $878 $956 $1,100 $824 $722 $764Liberty Mutual General Insurance Company $830 $894 $1,169 $1,512 $1,816 $2,088 $1,152 $1,241 $1,800Loya Insurance Company $1,057 $1,057 $1,057 $983 $982 $1,033 $1,044 $1,057 $1,057Nevada Capital Insurance Company $471 $430 $430 $854 $934 $1,187 $430 $505 $633Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $1,110 $1,194 $1,194 $1,344 $1,602 $1,746 $1,404 $1,140 $1,194Primero Insurance Company $1,230 $1,230 $1,170 $1,698 $1,878 $1,878 $1,698 $1,290 $1,170Progressive Direct Insurance Company $375 $338 $360 $547 $674 $729 $516 $433 $381Progressive Northern Insurance Company $467 $425 $439 $750 $955 $1,017 $630 $526 $480Safeco Insurance Company of Illinois $270 $276 $270 $396 $413 $503 $354 $290 $268Standard Fire Insurance Company $530 $528 $493 $787 $942 $1,076 $702 $582 $683State Farm Fire & Casualty Company $572 $549 $523 $809 $1,089 $1,017 $599 $536 $713State Farm Mutual Automobile Insurance Company $448 $429 $410 $626 $844 $781 $469 $420 $564Trumbull Insurance Company $405 $399 $377 $537 $658 $651 $504 $414 $445Twin City Fire Insurance Company $414 $428 $311 $539 $695 $744 $496 $413 $444United Services Automobile Association $430 $428 $370 $566 $603 $611 $449 $463 $434USAA Casualty Insurance Company $457 $481 $390 $606 $645 $652 $473 $454 $459USAA General Indemnity Company $393 $389 $342 $512 $546 $546 $407 $392 $394

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

105

EXAMPLE Q - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $779 $795 $768 $1,148 $1,556 $1,633 $953 $808 $779Allstate Indemnity Company $1,159 $1,348 $1,242 $1,766 $2,048 $2,357 $1,359 $1,386 $1,348American Access Casualty Company $1,402 $3,678 $1,735 $1,639 $1,786 $1,980 $1,624 $1,650 N/AAmerican Family Insurance Company $484 $646 $574 $811 $1,024 $1,079 $715 $553 $476CSAA General Insurance Company $656 $660 $658 $1,103 $1,367 $1,405 $912 $685 $858Encompass Home and Auto Insurance Company $671 $662 $685 $974 $1,165 $1,263 $881 $707 $692Esurance Property & Casualty Insurance Company $1,048 $960 $1,032 $1,858 $1,998 $2,482 $1,716 $1,117 $1,199Farmers Insurance Exchange $813 $777 $682 $1,398 $1,435 $1,740 $1,617 $882 $855Garrison Property & Casualty Insurance Company $622 $569 $497 $796 $850 $851 $569 $622 $575GEICO Advantage Insurance Company $404 $367 $363 $502 $601 $640 $415 $367 $412GEICO Choice Insurance Company $560 $507 $500 $688 $812 $877 $574 $507 $573GEICO Secure Insurance Company $790 $715 $705 $956 $1,125 $1,207 $807 $715 $806Hartford Accident and Indemnity Company $514 $502 $365 $732 $961 $1,045 $653 $504 $539Hartford Insurance Company Of The Midwest $416 $400 $379 $608 $766 $766 $561 $418 $454Liberty Mutual General Insurance Company $998 $1,075 $1,406 $1,819 $2,184 $2,511 $1,385 $1,492 $2,164Nevada Capital Insurance Company $553 $512 $512 $1,103 $1,203 $1,512 $512 $595 $725Progressive Direct Insurance Company $597 $506 $560 $995 $1,279 $1,401 $908 $711 $586Progressive Northern Insurance Company $817 $718 $751 $1,503 $1,980 $2,107 $1,182 $938 $818Safeco Insurance Company of Illinois $306 $308 $302 $482 $509 $630 $417 $323 $298Standard Fire Insurance Company $609 $597 $556 $975 $1,210 $1,385 $853 $682 $828State Farm Fire & Casualty Company $849 $785 $754 $1,292 $1,740 $1,650 $862 $777 $1,002State Farm Mutual Automobile Insurance Company $629 $585 $562 $943 $1,274 $1,195 $647 $580 $755Trumbull Insurance Company $446 $425 $405 $653 $824 $825 $602 $445 $486Twin City Fire Insurance Company $501 $490 $356 $715 $939 $1,021 $639 $492 $526United Services Automobile Association $522 $515 $446 $719 $768 $776 $544 $563 $520USAA Casualty Insurance Company $557 $575 $475 $770 $822 $830 $581 $554 $554USAA General Indemnity Company $427 $422 $368 $587 $628 $627 $445 $425 $425

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral credit-based insurance score.

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

106

EXAMPLE Q - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $639 $650 $625 $846 $1,090 $1,148 $753 $665 $639Allstate Indemnity Company $1,011 $1,174 $1,086 $1,442 $1,646 $1,904 $1,184 $1,204 $1,174American Access Casualty Company $1,091 $2,890 $1,369 $1,292 $1,422 $1,566 $1,276 $1,300 N/AAmerican Family Insurance Company $418 $542 $486 $668 $828 $872 $598 $471 $412CSAA General Insurance Company $609 $625 $636 $956 $1,157 $1,196 $838 $647 $808Encompass Home and Auto Insurance Company $711 $697 $726 $1,001 $1,220 $1,321 $951 $756 $739Esurance Property & Casualty Insurance Company $782 $734 $771 $1,190 $1,263 $1,538 $1,130 $855 $912Farmers Insurance Exchange $1,036 $948 $821 $1,585 $1,728 $1,911 $1,672 $1,004 $1,062Garrison Property & Casualty Insurance Company $481 $439 $384 $593 $632 $632 $439 $480 $447GEICO Advantage Insurance Company $282 $247 $244 $315 $364 $384 $283 $247 $288GEICO Choice Insurance Company $400 $348 $343 $440 $501 $534 $400 $348 $410GEICO Secure Insurance Company $566 $493 $487 $607 $683 $727 $563 $493 $577Hartford Accident and Indemnity Company $423 $443 $318 $534 $684 $729 $496 $429 $454Hartford Insurance Company Of The Midwest $404 $398 $376 $514 $625 $617 $486 $415 $445Key Insurance Company $608 $638 $638 $800 $878 $1,004 $728 $662 $680Liberty Mutual General Insurance Company $800 $862 $1,127 $1,459 $1,752 $2,014 $1,111 $1,197 $1,736Loya Insurance Company $988 $988 $988 $917 $917 $966 $976 $988 $988Nevada Capital Insurance Company $466 $429 $429 $805 $873 $1,121 $429 $501 $636Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $1,164 $1,266 $1,266 $1,416 $1,686 $1,842 $1,488 $1,200 $1,266Primero Insurance Company $858 $858 $810 $1,248 $1,368 $1,368 $1,248 $894 $810Progressive Direct Insurance Company $390 $352 $373 $566 $694 $749 $535 $449 $399Progressive Northern Insurance Company $490 $445 $459 $781 $992 $1,056 $659 $550 $507Safeco Insurance Company of Illinois $272 $278 $271 $396 $414 $506 $359 $292 $269State Farm Fire & Casualty Company $551 $524 $501 $787 $1,061 $987 $576 $515 $684State Farm Mutual Automobile Insurance Company $432 $410 $393 $609 $822 $758 $452 $403 $541Trumbull Insurance Company $428 $419 $398 $547 $668 $659 $515 $440 $471Twin City Fire Insurance Company $412 $431 $313 $522 $668 $713 $485 $421 $443United Services Automobile Association $411 $406 $351 $548 $582 $588 $425 $443 $411USAA Casualty Insurance Company $438 $457 $372 $589 $625 $632 $453 $438 $437USAA General Indemnity Company $371 $366 $320 $492 $524 $524 $384 $373 $373

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

107

EXAMPLE Q - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $741 $751 $727 $1,118 $1,523 $1,599 $923 $765 $741Allstate Indemnity Company $1,210 $1,353 $1,248 $1,896 $2,202 $2,521 $1,388 $1,460 $1,353American Access Casualty Company $1,207 $3,108 $1,528 $1,444 $1,607 $1,742 $1,420 $1,451 N/AAmerican Family Insurance Company $472 $630 $561 $807 $1,032 $1,092 $705 $539 $463CSAA General Insurance Company $660 $662 $663 $1,109 $1,366 $1,414 $925 $689 $865Encompass Home and Auto Insurance Company $773 $754 $784 $1,125 $1,354 $1,472 $1,031 $814 $796Esurance Property & Casualty Insurance Company $1,078 $986 $1,063 $1,924 $2,064 $2,574 $1,775 $1,151 $1,242Farmers Insurance Exchange $962 $904 $798 $1,794 $1,839 $2,225 $1,971 $1,065 $1,030Garrison Property & Casualty Insurance Company $603 $549 $480 $783 $834 $837 $549 $605 $556GEICO Advantage Insurance Company $409 $370 $368 $509 $607 $651 $420 $370 $415GEICO Choice Insurance Company $568 $512 $508 $699 $823 $896 $583 $512 $578GEICO Secure Insurance Company $802 $722 $716 $971 $1,139 $1,230 $820 $722 $815Hartford Accident and Indemnity Company $503 $499 $361 $695 $906 $984 $628 $502 $529Hartford Insurance Company Of The Midwest $427 $411 $389 $600 $748 $747 $556 $432 $465Liberty Mutual General Insurance Company $954 $1,028 $1,344 $1,739 $2,089 $2,401 $1,324 $1,427 $2,070Nevada Capital Insurance Company $542 $505 $505 $1,038 $1,119 $1,421 $505 $584 $719Progressive Direct Insurance Company $608 $516 $570 $1,008 $1,294 $1,412 $920 $724 $603Progressive Northern Insurance Company $833 $731 $766 $1,521 $2,000 $2,126 $1,201 $956 $840Safeco Insurance Company of Illinois $308 $310 $304 $485 $511 $635 $425 $326 $300State Farm Fire & Casualty Company $828 $760 $732 $1,270 $1,712 $1,620 $839 $756 $973State Farm Mutual Automobile Insurance Company $613 $566 $545 $926 $1,252 $1,172 $630 $563 $732Trumbull Insurance Company $456 $437 $416 $644 $805 $804 $595 $460 $497Twin City Fire Insurance Company $491 $487 $352 $680 $885 $961 $613 $491 $515United Services Automobile Association $510 $500 $433 $713 $758 $767 $532 $551 $505USAA Casualty Insurance Company $545 $560 $464 $761 $811 $819 $567 $544 $539USAA General Indemnity Company $413 $407 $353 $576 $613 $615 $430 $414 $409

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Coverages:

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as average/neutral credit-based insurance score.

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

108

EXAMPLE R - Liability OPTION 1 - KIA SORENTO

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,033 $1,069 $1,023 $1,414 $1,874 $1,973 $1,223 $1,084 $1,033Allstate Indemnity Company $1,182 $1,448 $1,332 $1,634 $1,876 $2,190 $1,430 $1,400 $1,448American Access Casualty Company $1,286 $3,460 $1,576 $1,487 $1,601 $1,804 $1,480 $1,499 N/AAmerican Family Insurance Company $518 $685 $608 $829 $1,017 $1,066 $752 $588 $514CSAA General Insurance Company $1,128 $1,169 $1,179 $1,792 $2,188 $2,258 $1,546 $1,199 $1,491Encompass Home and Auto Insurance Company $1,040 $1,038 $1,074 $1,460 $1,792 $1,939 $1,397 $1,109 $1,083Esurance Property & Casualty Insurance Company $956 $898 $940 $1,455 $1,550 $1,880 $1,381 $1,042 $1,105Farmers Insurance Exchange $1,279 $1,210 $1,038 $1,776 $1,939 $2,158 $2,016 $1,219 $1,286Garrison Property & Casualty Insurance Company $1,149 $1,058 $926 $1,400 $1,494 $1,497 $1,058 $1,138 $1,072GEICO Advantage Insurance Company $408 $356 $349 $462 $541 $571 $410 $356 $420GEICO Choice Insurance Company $583 $504 $494 $647 $747 $796 $582 $504 $601GEICO Secure Insurance Company $808 $701 $687 $878 $1,000 $1,067 $805 $701 $830Hartford Accident and Indemnity Company $884 $976 $691 $1,170 $1,516 $1,631 $1,081 $923 $963Hartford Insurance Company Of The Midwest $830 $848 $797 $1,163 $1,450 $1,439 $1,090 $870 $933Key Insurance Company $680 $704 $704 $878 $956 $1,100 $824 $722 $764Liberty Mutual General Insurance Company $1,018 $1,097 $1,434 $1,855 $2,228 $2,561 $1,413 $1,522 $2,207Loya Insurance Company $1,057 $1,057 $1,057 $983 $982 $1,033 $1,044 $1,057 $1,057Nevada Capital Insurance Company $752 $683 $683 $1,376 $1,508 $1,917 $683 $807 $1,015Nevada Direct Insurance Company $438 $294 $342 $414 $516 $456 $414 $486 $342Nevada General Insurance Company $1,110 $1,194 $1,194 $1,344 $1,602 $1,746 $1,404 $1,140 $1,194Primero Insurance Company $1,578 $1,578 $1,500 $2,178 $2,406 $2,406 $2,178 $1,662 $1,500Progressive Direct Insurance Company $501 $453 $481 $725 $886 $962 $685 $577 $510Progressive Northern Insurance Company $610 $558 $574 $965 $1,224 $1,310 $818 $686 $628Safeco Insurance Company of Illinois $294 $300 $293 $433 $452 $552 $387 $315 $291Standard Fire Insurance Company $648 $647 $602 $973 $1,172 $1,350 $866 $714 $836State Farm Fire & Casualty Company $2,681 $2,607 $2,492 $3,604 $4,778 $4,446 $2,839 $2,554 $3,323State Farm Mutual Automobile Insurance Company $2,194 $2,125 $2,039 $2,913 $3,849 $3,560 $2,314 $2,082 $2,719Trumbull Insurance Company $884 $909 $853 $1,242 $1,550 $1,537 $1,165 $932 $997Twin City Fire Insurance Company $861 $945 $671 $1,135 $1,472 $1,584 $1,050 $897 $936United Services Automobile Association $1,094 $1,094 $946 $1,420 $1,515 $1,534 $1,142 $1,174 $1,109USAA Casualty Insurance Company $1,339 $1,432 $1,144 $1,767 $1,885 $1,910 $1,394 $1,328 $1,352USAA General Indemnity Company $556 $552 $481 $730 $781 $780 $578 $553 $560

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

109

EXAMPLE R - Liability OPTION 2 - KIA SORENTO

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,241 $1,274 $1,230 $1,980 $2,777 $2,904 $1,541 $1,289 $1,241Allstate Indemnity Company $1,346 $1,578 $1,451 $2,032 $2,363 $2,725 $1,587 $1,612 $1,578American Access Casualty Company $1,402 $3,678 $1,735 $1,639 $1,786 $1,980 $1,624 $1,650 N/AAmerican Family Insurance Company $580 $789 $696 $991 $1,255 $1,321 $876 $666 $572CSAA General Insurance Company $1,255 $1,267 $1,262 $2,140 $2,660 $2,747 $1,756 $1,310 $1,640Encompass Home and Auto Insurance Company $1,112 $1,099 $1,138 $1,611 $1,957 $2,126 $1,495 $1,175 $1,148Esurance Property & Casualty Insurance Company $1,323 $1,212 $1,303 $2,360 $2,536 $3,159 $2,177 $1,409 $1,513Farmers Insurance Exchange $1,502 $1,453 $1,284 $2,738 $2,742 $3,432 $3,244 $1,699 $1,570Garrison Property & Casualty Insurance Company $1,483 $1,364 $1,203 $1,898 $2,018 $2,031 $1,364 $1,482 $1,374GEICO Advantage Insurance Company $602 $544 $537 $756 $910 $972 $619 $544 $614GEICO Choice Insurance Company $837 $753 $743 $1,037 $1,233 $1,335 $859 $753 $857GEICO Secure Insurance Company $1,171 $1,052 $1,037 $1,431 $1,695 $1,824 $1,197 $1,052 $1,196Hartford Accident and Indemnity Company $1,120 $1,137 $814 $1,632 $2,147 $2,347 $1,451 $1,135 $1,182Hartford Insurance Company Of The Midwest $958 $940 $890 $1,501 $1,923 $1,932 $1,377 $980 $1,062Liberty Mutual General Insurance Company $1,257 $1,355 $1,771 $2,292 $2,753 $3,164 $1,745 $1,880 $2,727Nevada Capital Insurance Company $886 $815 $815 $1,781 $1,942 $2,443 $815 $951 $1,165Progressive Direct Insurance Company $797 $677 $748 $1,318 $1,690 $1,853 $1,205 $948 $783Progressive Northern Insurance Company $1,061 $934 $979 $1,927 $2,534 $2,704 $1,525 $1,218 $1,063Safeco Insurance Company of Illinois $336 $337 $332 $533 $563 $698 $461 $355 $327Standard Fire Insurance Company $762 $747 $693 $1,235 $1,538 $1,772 $1,079 $857 $1,032State Farm Fire & Casualty Company $3,378 $3,214 $3,077 $4,828 $6,476 $6,060 $3,570 $3,185 $4,085State Farm Mutual Automobile Insurance Company $2,702 $2,567 $2,464 $3,806 $5,091 $4,730 $2,855 $2,544 $3,279Trumbull Insurance Company $1,027 $1,007 $951 $1,618 $2,073 $2,083 $1,482 $1,049 $1,140Twin City Fire Insurance Company $1,100 $1,116 $799 $1,602 $2,107 $2,302 $1,424 $1,115 $1,158United Services Automobile Association $1,292 $1,283 $1,112 $1,771 $1,890 $1,914 $1,356 $1,392 $1,291USAA Casualty Insurance Company $1,624 $1,698 $1,384 $2,250 $2,399 $2,427 $1,697 $1,611 $1,617USAA General Indemnity Company $611 $603 $523 $844 $904 $906 $638 $608 $610

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible credit-based insurance score.

Coverages:

Vehicle 1: 2017 Kia Sorento LX, 3.3L V6 Engine, Automatic, All Wheel Drive; Four Door

110

EXAMPLE R - Liability OPTION 1 - HYUNDAI ELANTRA

$15,000 per person/$30,000 per accident Bodily Injury Liability, $10,000 per accident Property Damage Liability$1,000 per accident Medical Payments, $15,000 per person/$30,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $954 $976 $936 $1,337 $1,781 $1,875 $1,147 $995 $954Allstate Indemnity Company $1,173 $1,373 $1,268 $1,664 $1,905 $2,207 $1,381 $1,398 $1,373American Access Casualty Company $1,091 $2,890 $1,369 $1,292 $1,422 $1,566 $1,276 $1,300 N/AAmerican Family Insurance Company $493 $652 $581 $804 $1,000 $1,050 $722 $560 $488CSAA General Insurance Company $1,133 $1,170 $1,185 $1,800 $2,186 $2,269 $1,569 $1,206 $1,505Encompass Home and Auto Insurance Company $1,216 $1,196 $1,246 $1,720 $2,114 $2,295 $1,653 $1,295 $1,264Esurance Property & Casualty Insurance Company $974 $912 $959 $1,488 $1,580 $1,926 $1,411 $1,063 $1,135Farmers Insurance Exchange $1,446 $1,339 $1,156 $2,240 $2,426 $2,709 $2,397 $1,416 $1,473Garrison Property & Casualty Insurance Company $1,097 $1,005 $879 $1,362 $1,449 $1,455 $1,005 $1,094 $1,017GEICO Advantage Insurance Company $410 $355 $351 $463 $539 $571 $412 $355 $420GEICO Choice Insurance Company $587 $504 $497 $648 $745 $796 $586 $504 $601GEICO Secure Insurance Company $818 $704 $694 $884 $1,002 $1,071 $815 $704 $836Hartford Accident and Indemnity Company $878 $976 $690 $1,130 $1,456 $1,563 $1,054 $930 $958Hartford Insurance Company Of The Midwest $856 $871 $817 $1,154 $1,429 $1,415 $1,084 $901 $957Key Insurance Company $608 $638 $638 $800 $878 $1,004 $728 $662 $680Liberty Mutual General Insurance Company $976 $1,052 $1,375 $1,780 $2,137 $2,457 $1,355 $1,460 $2,117Loya Insurance Company $988 $988 $988 $917 $917 $966 $976 $988 $988Nevada Capital Insurance Company $743 $685 $685 $1,295 $1,406 $1,809 $685 $803 $1,019Nevada Direct Insurance Company $978 $768 $882 $1,494 $1,920 $1,536 $1,494 $1,260 $882Nevada General Insurance Company $1,164 $1,266 $1,266 $1,416 $1,686 $1,842 $1,488 $1,200 $1,266Primero Insurance Company $1,092 $1,092 $1,032 $1,590 $1,764 $1,764 $1,590 $1,151 $1,032Progressive Direct Insurance Company $520 $473 $499 $748 $913 $988 $710 $601 $534Progressive Northern Insurance Company $641 $586 $602 $1,005 $1,269 $1,356 $856 $721 $665Safeco Insurance Company of Illinois $295 $302 $295 $434 $453 $556 $393 $318 $292State Farm Fire & Casualty Company $2,591 $2,497 $2,395 $3,504 $4,650 $4,310 $2,736 $2,454 $3,193State Farm Mutual Automobile Insurance Company $2,121 $2,039 $1,961 $2,835 $3,746 $3,452 $2,233 $2,004 $2,617Trumbull Insurance Company $911 $933 $874 $1,231 $1,526 $1,509 $1,158 $963 $1,023Twin City Fire Insurance Company $856 $946 $670 $1,100 $1,415 $1,520 $1,025 $904 $933United Services Automobile Association $1,036 $1,029 $886 $1,371 $1,461 $1,479 $1,078 $1,118 $1,044USAA Casualty Insurance Company $1,276 $1,354 $1,079 $1,713 $1,823 $1,847 $1,325 $1,276 $1,281USAA General Indemnity Company $526 $520 $451 $703 $750 $750 $546 $529 $528

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

111

EXAMPLE R - Liability OPTION 2 - HYUNDAI ELANTRA

$100,000 per person/$300,000 per accident Bodily Injury Liability, $50,000 per accident Property Damage Liability$5,000 per accident Medical Payments, $100,000 per person/$300,000 per accident Uninsured Motorist$250 deductible Comprehensive, $500 deductible Collision

Carson City Elko Fallon Henderson

Las Vegas

North Las Vegas Pahrump Reno Stateline

Company Name 89701 89801 89406 89015 89121 89030 89048 89510 89449Allstate Fire & Casualty Insurance Company $1,173 $1,194 $1,156 $1,926 $2,716 $2,842 $1,486 $1,213 $1,173Allstate Indemnity Company $1,397 $1,572 $1,447 $2,172 $2,530 $2,901 $1,609 $1,688 $1,572American Access Casualty Company $1,207 $3,108 $1,528 $1,444 $1,607 $1,742 $1,420 $1,451 N/AAmerican Family Insurance Company $561 $765 $676 $979 $1,258 $1,328 $857 $646 $552CSAA General Insurance Company $1,264 $1,271 $1,269 $2,155 $2,671 $2,774 $1,782 $1,318 $1,655Encompass Home and Auto Insurance Company $1,292 $1,262 $1,315 $1,881 $2,295 $2,501 $1,764 $1,365 $1,333Esurance Property & Casualty Insurance Company $1,362 $1,245 $1,343 $2,442 $2,621 $3,274 $2,251 $1,451 $1,567Farmers Insurance Exchange $1,740 $1,662 $1,473 $3,431 $3,436 $4,288 $3,873 $2,010 $1,852Garrison Property & Casualty Insurance Company $1,463 $1,339 $1,184 $1,906 $2,023 $2,035 $1,339 $1,466 $1,347GEICO Advantage Insurance Company $609 $549 $545 $767 $920 $989 $627 $549 $619GEICO Choice Insurance Company $849 $762 $755 $1,055 $1,249 $1,364 $873 $762 $865GEICO Secure Insurance Company $1,189 $1,064 $1,054 $1,454 $1,717 $1,860 $1,217 $1,064 $1,209Hartford Accident and Indemnity Company $1,098 $1,125 $806 $1,554 $2,025 $2,216 $1,397 $1,132 $1,157Hartford Insurance Company Of The Midwest $960 $942 $889 $1,445 $1,836 $1,840 $1,327 $988 $1,061Liberty Mutual General Insurance Company $1,197 $1,290 $1,687 $2,183 $2,621 $3,013 $1,662 $1,790 $2,597Nevada Capital Insurance Company $866 $806 $806 $1,671 $1,805 $2,295 $806 $935 $1,156Progressive Direct Insurance Company $808 $689 $758 $1,328 $1,697 $1,858 $1,218 $963 $800Progressive Northern Insurance Company $1,078 $950 $994 $1,943 $2,547 $2,716 $1,545 $1,238 $1,086Safeco Insurance Company of Illinois $339 $340 $334 $537 $566 $705 $471 $359 $329State Farm Fire & Casualty Company $3,287 $3,104 $2,979 $4,729 $6,348 $5,924 $3,467 $3,085 $3,955State Farm Mutual Automobile Insurance Company $2,629 $2,481 $2,386 $3,727 $4,989 $4,622 $2,773 $2,466 $3,177Trumbull Insurance Company $1,027 $1,007 $952 $1,555 $1,977 $1,982 $1,427 $1,058 $1,136Twin City Fire Insurance Company $1,077 $1,102 $790 $1,525 $1,987 $2,174 $1,372 $1,110 $1,135United Services Automobile Association $1,269 $1,251 $1,087 $1,777 $1,892 $1,917 $1,330 $1,374 $1,258USAA Casualty Insurance Company $1,597 $1,662 $1,357 $2,253 $2,396 $2,424 $1,669 $1,594 $1,583USAA General Indemnity Company $593 $581 $505 $831 $888 $890 $616 $593 $588

Allstate Insurance Company is closed to new business.Allstate Property and Casualty Insurance Company is closed to new business.American Access Casualty Company does not offer 100/300 limits, 25/50 used. Comprehensive and Collision deductible is $500, does not offer split deductibles.American Family Mutual Insurance Company is closed to new business.GEICO Casualty Insurance Company is closed to new business.GEICO General Insurance Company is closed to new business.GEICO Indemnity Insurance Company is closed to new business.Key Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Loya Insurance Company does not offer 100/300 limits.Mid Century Insurance Company is closed to new business.Nevada Direct Insurance Company does not offer 100/300 limits.Nevada General Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.Primero Insurance Company does not offer 100/300 limits, 500/500 deductible amounts quoted.

Married retired couple, both 68 years old. Pleasure use of vehicle. Husband is primary driver. Both the husband and wife have a clean driving record and have completed an approved driver safety course. Annual mileage is 4,000. One vehicle; no multi-car discount. Rated as worst possible credit-based insurance score.

Coverages:

Vehicle 2: 2016 Hyundai Elantra SE; 1.8L 4 Cylinder Engine; Automatic Transmission; 2 Wheel Drive; 4 Doors

112

List of Insurers Offering Auto Insurance in Nevada The following is a list of the 187 insurers who wrote business for personal auto insurance in Nevada in 2016. Please contact the Division of Insurance if you have any questions.

Company Name 21st Century Advantage Insurance Company 21st Century Assurance Company 21st Century Centennial Insurance Company 21st Century Insurance Company 21st Century North American Insurance Company 21st Century National Insurance Company 21st Century Pacific Insurance Company 21st Century Premier Insurance Company Access Insurance Company Ace American Insurance Company Acuity Mutual Insurance Company AIG Property Casualty Company Allstate Fire & Casualty Insurance Company Allstate Independent Company Allstate Insurance Company Allstate Property & Casualty Insurance Company Amco Insurance Company American Access Casualty Company American Bankers Insurance Company of Florida American Family Home Insurance Company American Family Insurance Company American Family Mutual Insurance Company American Guaranty & Liability Insurance American Hallmark Insurance Company of Texas American Insurance Company American Modern Home Insurance Company American Modern Select Insurance Company American National Gen Insurance Company American National Property & Casualty Company American Reliable Insurance Company American Southern Home Insurance Company American Standard Insurance Company of Wisconsin Americas Insurance Company Amica Mutual Insurance Company Associated Indemnity Corporation Atlantic Specialty Insurance Company Badger Mutual Insurance Company Balboa Insurance Company Bankers Standard Insurance Company California Casualty & Fire Insurance Company California Casualty Indemnity Exchange California Casualty Insurance Company

Company Name Century National Insurance Company Chicago Insurance Company Chubb Custom Insurance Company Cincinnati Insurance Company Civil Service Employees Insurance Company Coast National Insurance Company Colorado Casualty Insurance Company Country Casualty Insurance Company Country Mutual Insurance Company Country Preferred Insurance Company Crestbrook Insurance Company CSAA General Insurance Company CSAA Insurance Exchange Dairyland Insurance Company Depositors Insurance Company Electric Insurance Company Empire Fire & Marine Insurance Company Encompass Home & Auto Insurance Company Encompass Indemnity Company Encompass Insurance Company of America Essentia Insurance Company Esurance Insurance Company Esurance Property & Casualty Insurance Company Farmers Insurance Exchange Federal Insurance Company Financial Indemnity Company Fireman’s Fund Insurance Company First Colonial Insurance Company First Liberty Insurance Corporation Foremost Insurance Company Grand Rapids Michigan Foremost Property & Casualty Insurance Company Garrison Property & Casualty Insurance Company GEICO Advantage Insurance Company Geico Casualty Company GEICO Choice Insurance Company Geico General Insurance Company Geico Indemnity Company GEICO Secure Insurance Company GoAuto Insurance Company Government Employees Insurance Company Great American Insurance Company Great Northwest Insurance Company Hallmark Insurance Company Hartford Accident & Indemnity Company Hartford Casualty Insurance Company

113

Company Name Hartford Fire Insurance Company Hartford Insurance Company of the Midwest Hartford Underwriters Insurance Company Horace Mann Insurance Company Horace Mann Property & Casualty Insurance Company IDS Property Casualty Insurance Company Imperium Insurance Company Infinity Auto Insurance Company Infinity Insurance Company Infinity Standard Insurance Company Insuremax Insurance Company Interstate Fire & Casualty Company Ironshore Indemnity Incorporated Key Insurance Company Liberty Insurance Corporation Liberty Mutual Fire Insurance Company Liberty Mutual Insurance Company LM Gen Insurance Company LM Insurance Corporation Loya Insurance Company Markel American Insurance Company Mendakota Insurance Company Mendota Insurance Company Merastar Insurance Company Mercury Casualty Company Metropolitan Grp Property & Casualty Insurance Company Metropolitan Property & Casualty Insurance Company MGA Insurance Company Incorporated Mid Century Insurance Company National Direct Insurance Company National General Assurance Company National General Insurance Company National Interstate Insurance Company National Liability & Fire Insurance Company National Union Fire Insurance Company of Pittsburgh National Unity Insurance Company Nationwide Affinity Company of America Nationwide Agribusiness Insurance Company Nationwide Insurance Company of America Nationwide Mutual Insurance Company Nevada Capital Insurance Company Nevada General Insurance Company Oregon Mutual Insurance Company Pacific Indemnity Company Pacific Specialty Insurance Company Permanent General Assurance Corporation Pharmacists Mutual Insurance Company Philadelphia Indemnity Insurance Company Primero Insurance Company Privilege Underwriters Reciprocal Exchange Progressive Casualty Insurance Company Progressive Direct Insurance Company Progressive Northern Insurance Company

Company Name Progressive Northwestern Insurance Company Progressive Preferred Insurance Company Progressive Specialty Insurance Company Property & Casualty Insurance Company of Hartford Response Insurance Company Response Worldwide Insurance Company RLI Insurance Company Safe Auto Insurance Company Safeco Insurance Company of America Safeco Insurance Company of Illinois Sentinel Insurance Company Limited Sentry Select Insurance Company Shelter Mutual Insurance Company Standard Fire Insurance Company Starr Indemnity & Liability Company State Farm Fire & Casualty Company State Farm Mutual Auto Insurance Company State National Insurance Company Incorporated Stillwater Insurance Company Teachers Insurance Company Titan Indemnity Company Topa Insurance Company Travco Insurance Company Travelers Home & Marine Insurance Company Traveler’s Property Casualty Insurance Company Triumphe Casualty Company Trumbull Insurance Company Twin City Fire Insurance Company United Automobile Insurance Company United Service Automobile Association Unitrin Direct Property & Casualty Company Universal North American Insurance Company Universal Underwriters Insurance Company USAA Casualty Insurance Company USAA General Indemnity Company Valley Forge Insurance Company Victoria Fire & Casualty Company Vigilant Insurance Company Viking Insurance Company of Wisconsin Western General Insurance Company Western National Assur Company Wilshire Insurance Company Windhaven Natl Insurance Company Workmens Auto Insurance Company Yosemite Insurance Company Young American Insurance Company Zurich American Insurance Company

114

Vehicle Insurance Shopping List 1. Select the coverage amount you desire and enter it in the column labeled “Coverage Amount.” 2. Ask your insurance agent or insurer to complete the premium quotation column. Seek premium

quotations from more than one insurer to determine the best value.

Coverage Company 1 Company 2 Company 3 Amount

Bodily Injury Liability: Per Person ___________ ___________ ___________ ___________ Per Accident ___________ ___________ ___________ ___________ Combined Single Limit ___________ ___________ ___________ ___________ Property Damage Liability: ___________ ___________ ___________ ___________ Uninsured Motorist:

Per Person ___________ ___________ ___________ ___________ Per Accident ___________ ___________ ___________ ___________ Combined Single Limit ___________ ___________ ___________ ___________ Uninsured/Underinsured Motorist:

Per Person ___________ ___________ ___________ ___________ Per Accident ___________ ___________ ___________ ___________ Combined Single Limit ___________ ___________ ___________ ___________ Medical Payments: ___________ ___________ ___________ ___________ Collision:

Deductible Amount ___________ ___________ ___________ ___________ Comprehensive:

Deductible Amount ___________ ___________ ___________ ___________

SUBTOTAL A: ___________ ___________ ___________ ___________ Other Charges or Discounts:

Membership Policy Fees ___________ ___________ ___________ ___________ SR22 Filing Fees ___________ ___________ ___________ ___________ Discounts (subtract) ___________ ___________ ___________ ___________ Other ___________ ___________ ___________ ___________ Other ___________ ___________ ___________ ___________ Other ___________ ___________ ___________ ___________

SUBTOTAL B: ___________ ___________ ___________ ___________

TOTAL PREMIUM: ___________ ___________ ___________ ___________ (Add Subtotal A and B)

115

Vehicle Accident Guide If you have had an accident, this sheet will help to record important information while at the scene of the accident or as soon as possible. Where and when accident occurred: Date_____________________________ Time______________________________________________ Place________________________________________________________________________________ City _________________________________________ State_________________________________ Weather and Street Conditions: ____________________________________________________________________________________ Were others involved in the accident?: [ ] Driver [ ] Passenger [ ] Pedestrian

Name_________________________________________________________________________

Address ____________________________________ City ____________________ State ____

Zip________________ Phone__________________________________

Insured with _____________________________ Phone Number_______________________

Vehicle (Year/Make/Model) ______________________________________________________

Vehicle Plate Number _____________________ State Registered______________________

Were there any injuries in the accident?: [ ] Driver [ ] Passenger [ ] Pedestrian [ ] Animal

Name_________________________________________________________________________

Address ___________________________________ City ____________________ State ____

Phone__________________________________ Damage to My Vehicle:

Exterior_______________________________________________________________________ ______________________________________________________________________________

Interior _______________________________________________________________________

Damage to Other Vehicle:

Exterior_______________________________________________________________________ ______________________________________________________________________________ Interior______________________________________________________________________ ______________________________________________________________________________

116

Property Damage:

_____________________________________________________________________________ _____________________________________________________________________________ Witness:

Name_________________________________________________________________________

Address ___________________________________ City ____________________ State ____

Phone__________________________________

Police Involvement:

Name____________________________________________ Badge Number_______________

Address ___________________________________ City ____________________ State ____

Phone__________________________________ Towing Service:

Name_________________________________________________________________________

Address ___________________________________ City ____________________ State ____

Phone__________________________________

117

Draw accident scene, including street names and addresses:

Notes:

118