This page and any attached endorsements form a part of your … · 2019-10-25 · AMICA MUTUAL INSURANCE COMPANY (12:01 A.M. Eastern Standard Time) ITEM 3. Description of your Auto:

COVERAGE SELECTIONS PAGEPage of

This page and any attached endorsements form a part of your policy

This policy is Issued By:ITEM 1. This Policy Is Issued To: Massachusetts Personal Automobile

Policy Number

ITEM 2. This policy is effective from: to:

AMICA MUTUAL INSURANCE COMPANY

(12:01 A.M. Eastern Standard Time)ITEM 3. Description of your Auto:

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

PREMIUM PREMIUM

TOTAL COST

Discounts

AUTO AUTO

ITEM 4. This policy provides only the coverages for which an annual premium charge is shown.

PREMIUMANNUAL ADJUSTED


COVERAGES, Parts 1 - 12

COMPULSORY INSURANCE

1 Bodily Injury to Others

2 Personal Injury Protection

Bodily Injury Caused ByAn Uninsured Auto

(Compulsory Limits $20,000/$40,000)

$

$

$

$

$

MERIT RATING PLAN

Good Driving Rewards

TOTAL PREMIUM

Identity Fraud Monitoring Service

Up to $

$

$

$

$

$

AUTOLIMITS

$$

$$

$

$

$

$

$

$

Up to $

Damage to Someone4 Else's Property (Compulsory Limit $5,000)

OPTIONAL INSURANCE

Optional Bodily Injury to Others5

6 Medical Payments

7 Collision

8 Limited Collision

9 Comprehensive

10 Substitute Transportation

11 Towing and Labor

Bodily Injury Caused By An Underinsured Auto12

Auto Loan/Lease Coverage

AUTOLIMITS

$$

$$

$

$

$

$

$

$

DEDUCTIBLE DEDUCTIBLE

Identification Numbers of Endorsements Forming a Part of This Policy

perpersonperaccident


per

person

per

accident

yourself

yourselfandhouseholdmembers


perperson

disablementperpersonperaccident



per

person

per

accident

yourself



perperson


Up to a day,maximum

Up to a day,maximum

REDUCTION

CHARGE

REDUCTION

CHARGE

Auto Auto

Auto Auto

Auto Auto

Auto Auto

Auto

Auto

Auto

Auto

Multi-Car Auto Auto

Auto Auto

Loyalty Discount

Annual Mileage

Anti Theft

Good Student

Passive Restraint

Age 65 And Older Multi-Line Disc

Platinum Package Discount

3

for each for each

Advanced Driver Tr.

Paid in Full Discount

Clean in Six DiscountAuto Auto

REFER TO THE FOLLOWING PAGES FOR ADDITIONAL INFORMATIONMZZ04023

A M I CMICA UTUAL NSURANCE OMPANYLincoln, Rhode Island

Page of

CONTINUATION OF COVERAGE SELECTIONS PAGE FOR POLICY NO.

NAMED INSURED AND ADDRESS

License NumberOperator Name

DRIVER INFORMATION:

12345678

Check carefully that all operators of your auto(s) are shown. Your failure to list a household member or anyindividual who customarily operates your auto may have very serious consequences.

NOTICE: If you or someone else on your behalf has knowingly given us false, deceptive, misleadinginformation and if such false, deceptive, misleading or incomplete information increases our risk of loss, we mayrefuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Suchinformation includes the description and the place of garaging of the vehicle(s) to be insured, the names of allhousehold members and customary operators required to be listed and the answers given above for all listed operators.We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed alloperators and the completeness of their previous driving records. The Merit Rating Board may verify the accuracy ofthe previous driving records of all listed operators.

We will not pay for a collision or limited collision loss for an accident which occurs while your auto is being operatedby a household member who is not listed as an operator on your policy. Payment is withheld when the householdmember, if listed, would require the payment of additional premium on your policy because the household memberwould be classified as an inexperienced operator or would require payment of additional premium on your policy under the Merit Rating Plan.

First

Licensed

Date

Date of Birth

Mo. Day Year

Operator StatusO-OccasionalP-PrincipalE-ExcludedD-Deferred

Auto(s)1 2 3 4 5 6

Ope

rato

r

Lice

nse

Sta

te

or incomplete

Countersigned byAuthorized Signature / Agent

DISCOUNTS:

ADDITIONAL INFORMATION

DISCOUNTS

Discount Name Coverage Discount Available

Age 65 and Older All 25%

Air Bag/Automatic Seatbelts Parts 2, 3, 6 and 12 25%

Annual Mileage 0-5000/5001-7500 10%/5%

Anti-Theft Device / Vehicle Recovery System Part 9 5-36% Depending on the category of device.

Multi-Car Parts 1, 2, 4, 5, 7, 8 and 9 5%

Multi-Line 4-10% varies by line and numberParts 1, 2, 4, 5, 6, 7, 8 and 9

Good Student

Loyalty

Parts 1, 2, 4, 5, 6, 7, 8 and 9 10%

Parts 1,2,3,4,5,6,7,8,9 and 12 3-5% varies by years insured with Amica

Paid In Full

Advanced Driver Training

Parts 1,2,3,4,5,6,7,8,9 and 12

Parts 1,2,3,4,5,6,7,8,9 and 12

4%

5%

Automatic Payment Plan All 2%

All Electronic All 2%

Adaptive Headlights

Forward Collision Warning

1%

2-4%

Parts 1, 2, 4, 5 and 7

Parts 1, 2, 4, 5 and 7

MERIT RATING PLAN

Additional Discount is available with the Platinum Choice package.

PART 5 - OPTIONAL BODILY INJURY TO OTHERS

PART 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO

Public Transit Parts 4 and 7 10%

Electronic Stability Control Parts 7 and 8 5%

Parts 1,2,3,4,5,6,7,8 and 12

Several discounts are available and your premium has been reduced if one or more of the following categories is indicated in the discounts box. If a listed operator purchased a monthly public transit commuter pass for 11 of the 12 months preceding the effective date of the policy you may be entitled to the public transit commuter discount. Contact your agent or company representative for further details.

Please Note: Not all discounts are available for all policyholders.

The limits shown for this Part are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown for this Part and are not in addition to them.

The limits shown for this Part are subject to adjustment. We will only pay for any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the owner and operator of the underinsured auto and the limits shown for this Part.

The Merit Rating Plan adjustments shown on the reverse side for each auto is based on the driving records of the operators listed on your policy. Premium reductions result from incident-free driving. The merit rating points and class of each operator are used in assigning the operators to the autos in the manner described in the rating manual.

22

RATE SECTION

Memorandum

The same rates apply under a Personal Auto Policy on a risk for which compulsory coverage is not required. For bodily injury charge the total of the Parts 1, 2 and 5 premiums for risks subject to the compulsory law. The increased limits factors shown in this manual are to be applied against the Part 1 and Part 5, basic limits, premium in determining the increased limits premium. Increased limits factors are not applicable to Part 2. The private passenger rate pages display liability rates for various classes at selected limits. For most risks, the premium can be determined directly from the rate pages.

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL

23

MOTORCYCLE RATES

Part 1 - Bodily Injury Part 2 - PIP

Experienced Operators Experienced Operators

Territory Group A Group B Group C Group D Territory Group A Group B Group C Group D

1 $10 $10 $18 $15 1 $1 $1 $2 $1

2 $9 $9 $16 $14 2 $1 $1 $1 $1

3 $10 $10 $18 $15 3 $1 $1 $2 $1

4 $14 $13 $24 $21 4 $1 $1 $2 $2

5 $13 $12 $22 $19 5 $1 $1 $2 $2

6 $15 $15 $26 $22 6 $1 $1 $2 $2

7 $15 $14 $25 $21 7 $1 $1 $2 $2

8 $14 $14 $24 $21 8 $1 $1 $2 $2

9 $15 $15 $26 $23 9 $1 $1 $2 $2

10 $21 $20 $35 $30 10 $2 $2 $3 $3

11 $20 $19 $34 $29 11 $2 $2 $3 $2

12 $22 $20 $37 $31 12 $2 $2 $3 $3

13 $23 $22 $40 $34 13 $2 $2 $3 $3

14 $25 $23 $42 $36 14 $2 $2 $4 $3

15 $41 $39 $70 $60 15 $4 $3 $6 $5

16 $47 $45 $80 $69 16 $4 $4 $7 $6

17 $42 $40 $72 $62 17 $4 $3 $6 $5

18 $42 $40 $72 $62 18 $4 $3 $6 $5

19 $42 $40 $72 $62 19 $4 $3 $6 $5

20 $42 $40 $72 $62 20 $4 $3 $6 $5

21 $42 $40 $72 $62 21 $4 $3 $6 $5

22 $42 $40 $72 $62 22 $4 $3 $6 $5

23 $42 $40 $72 $62 23 $4 $3 $6 $5

24 $42 $40 $72 $62 24 $4 $3 $6 $5

25 $42 $40 $72 $62 25 $4 $3 $6 $5

26 $42 $40 $72 $62 26 $4 $3 $6 $5

27 $8 $8 $13 $12 27 $1 $1 $1 $1

40 $22 $21 $38 $33 40 $2 $2 $3 $3

41 $25 $23 $42 $36 41 $2 $2 $4 $3

42 $41 $39 $70 $60 42 $4 $3 $6 $5

43 $42 $40 $71 $61 43 $4 $3 $6 $5

44 $47 $44 $79 $68 44 $4 $4 $7 $6

45 $41 $39 $70 $60 45 $3 $3 $6 $5

Notes:

(1) Motorcycle territory definitions are the same as for private passenger automobiles.

(2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above.

(3) Group definitions are as follows:

Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over


24

MOTORCYCLE RATES

Part 5 - Optional BI

Rates at Basic limits


With Guest Without Guest


1 $13 $12 $20 $17 1 $2 $3 $4 $5

2 $12 $11 $18 $15 2 $2 $3 $4 $5

3 $13 $12 $20 $16 3 $2 $3 $4 $5

4 $17 $15 $27 $22 4 $3 $4 $6 $7

5 $16 $14 $25 $20 5 $3 $4 $5 $7

6 $18 $16 $29 $23 6 $3 $5 $6 $8

7 $17 $15 $27 $22 7 $3 $5 $6 $8

8 $17 $15 $27 $22 8 $3 $4 $6 $7

9 $18 $16 $29 $23 9 $3 $5 $6 $8

10 $24 $21 $38 $31 10 $4 $7 $9 $11

11 $23 $20 $37 $30 11 $4 $6 $8 $10

12 $24 $22 $39 $32 12 $5 $7 $9 $11

13 $26 $23 $42 $34 13 $5 $7 $10 $12

14 $28 $25 $42 $36 14 $5 $8 $10 $13

15 $31 $31 $42 $42 15 $9 $13 $17 $22

16 $31 $31 $42 $42 16 $10 $15 $20 $25

17 $31 $31 $42 $42 17 $9 $13 $18 $22

18 $31 $31 $42 $42 18 $9 $13 $18 $22

19 $31 $31 $42 $42 19 $9 $13 $18 $22

20 $31 $31 $42 $42 20 $9 $13 $18 $22

21 $31 $31 $42 $42 21 $9 $13 $18 $22

22 $31 $31 $42 $42 22 $9 $13 $18 $22

23 $31 $31 $42 $42 23 $9 $13 $18 $22

24 $31 $31 $42 $42 24 $9 $13 $18 $22

25 $31 $31 $42 $42 25 $9 $13 $18 $22

26 $31 $31 $42 $42 26 $9 $13 $18 $22

27 $10 $9 $16 $13 27 $2 $2 $3 $4

40 $25 $23 $41 $33 40 $5 $7 $9 $12

41 $28 $25 $42 $36 41 $5 $8 $10 $13

42 $31 $31 $42 $42 42 $9 $13 $17 $22

43 $31 $31 $42 $42 43 $9 $13 $18 $22

44 $31 $31 $42 $42 44 $10 $15 $20 $24

45 $31 $31 $42 $42 45 $9 $13 $17 $21

Notes:


(2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Group definitions are as follows:

Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over

Rates at Increased limits

The implicit surcharge exclusion factor for part 5 increased limits for motorcycles is 1.056


25

MOTORCYCLE RATES

Part 4 - Property Damage Part 6 - Medical Payments

Rates at Basic limits Rates by limit

Experienced Operators All Territories

Territory Group A Group B Group C Group D Limit per person All Groups

1 $9 $9 $16 $14 $500 $55

2 $10 $9 $16 $14 $750 $62

3 $11 $11 $19 $17 $1,000 $68

4 $12 $11 $20 $17 $2,000 $92

5 $12 $11 $20 $18 $5,000 $149

6 $13 $12 $22 $19 $10,000 $241

7 $13 $12 $22 $19 $15,000 $296

8 $13 $12 $22 $19 $20,000 $339

9 $16 $15 $27 $23 $25,000 $360

10 $15 $14 $26 $22 $50,000 $378

11 $16 $15 $27 $23

12 $21 $20 $36 $31 Part 3 - Uninsured Motorists

13 $19 $18 $32 $27 Rates by limit

14 $20 $19 $35 $30

15 $22 $21 $38 $32 All Territories

16 $23 $22 $39 $33 Limit All Groups

17 $30 $29 $52 $44 20/40 $19

18 $30 $29 $52 $44 20/50 $20

19 $30 $29 $52 $44 25/50 $20

20 $30 $29 $52 $44 35/80 $23

21 $30 $29 $52 $44 50/100 $25

22 $30 $29 $52 $44 100/300 $29

23 $30 $29 $52 $44 250/500 $36

24 $30 $29 $52 $44 500/500 $45

25 $30 $29 $52 $44 500/1000 $54

26 $30 $29 $52 $44

27 $9 $9 $16 $14

40 $16 $15 $27 $23

41 $23 $22 $39 $34

42 $23 $22 $39 $33

43 $24 $23 $41 $35

44 $23 $22 $39 $33

45 $23 $22 $40 $34 Part 12 - Underinsured Motorists Rates by limit Notes:

(1) Motorcycle territory definitions are the All Territories

same as for private passenger automobiles. Limit All Groups

(2) Rates for inexperienced operators are 20/40 $0

calculated by applying a factor of 1.50 to 20/50 $1

the experienced operators rates above. 25/50 $7

(3) Group definitions are as follows: 35/80 $21

50/100 $41

Group Vehicle Size 100/300 $93

A 0 c.c. to 100 c.c. 250/500 $255

B 101 c.c. to 350 c.c. 500/500 $466

C 351 c.c. to 650 c.c. 500/1000 $677

D 651 c.c. and over

Notes: (1) Rates for Parts 3, 6, and 12 are the same for experienced and inexperienced operators.

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL EFFECTIVE AUGUST 1, 2013

26

MOTORCYCLE RATES

Part 7 – Collision Part 7 – Collision Rates at $500 deductible Other deductibles Rate per $100 of value All Territories Experienced Deductible All Groups Operators $300 $500 deductible premium + $52 Territory All Groups $1,000 66.9% of $500 deductible premium 1 $2.12 $2,000 53.2% of $500 deductible premium 2 $2.01 3 $2.39 4 $2.63 Part 7 – Collision 5 $2.74 Waiver of Deductible Charges 6 $2.76 7 $2.94 All Territories 8 $3.36 9 $3.06 Deductible All Groups 10 $3.58 11 $3.16 $300 $11 12 $4.12 $500 $15 13 $4.29 $1,000 $18 14 $5.98 $2,000 $27 15 $6.98 16 $7.67 17 $7.17 Part 8 – Limited Collision 18 $7.17 19 $7.17 $500 deductible base premium (Part 8) = 20 $7.17 (6.0%) x [$500 deductible Collision base premium (Part 7)] 21 $7.17 22 $7.17 Deductible All Groups 23 $7.17 24 $7.17 $0 $500 deductible premium (Part 8) + $8 25 $7.17 $300 $500 deductible premium (Part 8) + $5 26 $7.17 $1,000 58.6% of $500 deductible premium (Part 8) 27 $1.80 $2,000 38.9% of $500 deductible premium (Part 8) 40 $4.55 41 $4.54 Motorcycle Age Factors 42 $6.19 43 $6.99 Age Group Based on Model Year (MY)** Collision Factor 44 $6.43 45 $6.85 1 Current MY 1.00 2 1st Preceding 0.93 3 2nd Preceding 0.86 4 3rd Preceding 0.79 5 4th Preceding 0.72 6 5th Preceding 0.65 7 6th Preceding 0.58 8 7th Preceding 0.51 9 All Other 0.51 **The current model year changes October 1, regardless of the actual date the models are introduced. Determine motorcycle Collision rates by the following procedure: (a) Determine the motorcycle’s original cost new in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium in (b) by the Motorcycle Age Factor. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for inexperienced operators are calculated by applying a factor of 1.50 to the experienced operators rates above. (3) Rates are per $100 of insured value.


27

MOTORCYCLE RATES Part 9 – Comprehensive Part 9 – Comprehensive Rates at $500 deductible Other deductibles Rate per $100 of value All Territories Deductible All Groups Territory All Groups $300 $500 deductible premium + $4 $1,000 77.7% of $500 deductible premium 1 $0.91 $2,000 70.3% of $500 deductible premium 2 $0.89 3 $0.93 4 $1.00 5 $1.02 6 $1.21 7 $1.45 Fire Charge 5% of the motorcycle Comprehensive premium 8 $1.85 9 $1.62 Theft Charge 90% of the motorcycle Comprehensive premium 10 $2.05 11 $1.98 12 $2.50 13 $2.32 14 $3.16 15 $3.77 16 $5.68 17 $5.86 18 $5.86 19 $5.86 Motorcycle Age Factors 20 $5.86 21 $5.86 22 $5.86 Age Group Based on Model Year (MY)** Comprehensive Factor 23 $5.86 24 $5.86 1 Current MY 1.00 25 $5.86 2 1st Preceding 0.91 26 $5.86 3 2nd Preceding 0.81 27 $0.81 4 3rd Preceding 0.72 40 $2.34 5 4th Preceding 0.62 41 $2.49 6 5th Preceding 0.53 42 $3.47 7 6th Preceding 0.44 43 $3.58 8 7th Preceding 0.34 44 $5.66 9 All Other 0.34 45 $3.61 ** The current model year changes October 1, regardless of the actual date the models are introduced. Determine motorcycle Comprehensive rates by the following procedure: (a) Determine the motorcycle’s original cost new in hundreds of dollars. (b) Multiply the value determined in (a) by the rate per $100 for its territory. (c) Multiply the base manual premium in (b) by the Motorcycle Age Factor. Notes: (1) Motorcycle territory definitions are the same as for private passenger automobiles. (2) Rates for Part 9 are the same for experienced and inexperienced operators. (3) Rates are per $100 of insured value.


28

Approved Motorcycle Training Sites Rider Education Recognition Program (RERP) Number

Bristol Community College, Fall River (61347) Central Mass Safety Council, West Boylston (60055) Hanscomb AFB, Bedford (61141) Motorcycle Safe Riding Project , Beverly (60050) (Formerly listed as Cycles 128) Northern Essex Community College, Haverhill (61348) Otis ANGB, Cape Cod (60758) Riverside Kawasaki, Hanscomb AFB in Bedford (61350) Safety Council of Western Mass, Dalton (61277) South Weymouth NAS, South Weymouth (60690) Westfield State College, Westfield (61349) Those who participate in motorcycle rider education courses in any other location are also eligible for the 10% reduction, given the course is approved by the Motorcycle Safety Foundation. If courses are taken out of state, they must be Motorcycle Safety Foundation certified and adhere to Governor’s Highway Safety Bureau rules and regulations on file at the Secretary of State’s office.

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE MARCH 1, 2016

MassachusettsPrivate Passenger Automobile Insurance Rates

Class-Territory Base RatesPart 1 (A-1)

Class Class Class Class Class Class Class ClassTerritory 10 17 18 20 21 25 26 30

1 123.73 195.28 138.53 365.45 192.48 329.19 172.96 119.502 135.36 213.88 156.51 398.92 219.45 359.87 197.14 131.133 140.65 223.17 168.14 430.54 233.40 387.76 210.15 137.484 153.34 250.14 174.49 481.68 272.46 433.33 245.50 148.055 167.09 265.03 209.39 538.41 310.59 485.41 278.97 166.036 172.37 279.90 196.70 548.64 337.55 493.77 303.14 167.097 175.55 270.60 217.85 583.04 344.06 525.40 308.73 170.268 182.95 293.84 219.96 600.71 362.66 541.20 326.39 178.729 227.37 342.20 271.78 675.10 410.08 607.22 369.16 222.0810 212.56 369.16 280.24 662.09 435.19 596.06 392.42 215.7311 205.15 401.72 276.01 650.93 437.98 585.83 394.28 233.7112 227.37 383.12 302.45 651.86 470.52 586.76 424.03 222.0813 283.41 455.65 356.38 715.09 518.88 643.49 465.88 276.0114 306.68 461.22 385.99 680.68 518.88 612.80 466.81 299.2715 352.15 496.57 391.28 655.58 541.20 590.49 487.27 337.3516 288.70 494.71 498.08 626.75 511.44 564.44 461.22 296.1017 232.65 396.13 283.41 673.25 398.92 605.36 358.93 233.7118 245.34 534.69 333.12 715.09 515.17 643.49 464.02 278.1219 276.01 483.54 365.90 632.33 483.54 570.03 435.19 306.6820 267.55 517.02 360.61 687.19 521.67 619.31 469.60 296.1021 338.40 537.48 505.49 689.05 565.37 620.24 508.65 469.5322 304.56 490.98 449.45 629.54 507.72 567.24 456.58 415.6023 231.59 452.86 359.55 636.98 468.67 572.81 422.18 235.8224 234.76 404.51 296.10 639.76 421.25 574.67 378.46 237.9425 231.59 456.58 311.97 641.63 483.54 577.47 435.19 252.7426 286.58 497.50 399.74 628.60 517.95 565.37 465.88 276.0127 106.81 178.54 118.44 327.32 162.74 294.77 146.92 109.9840 268.60 444.49 333.12 650.93 464.02 585.83 418.45 283.4141 278.12 439.84 365.90 652.79 489.12 586.76 439.84 285.5342 344.75 488.20 396.57 649.06 530.97 583.97 477.97 350.0343 318.31 496.57 399.74 666.73 546.78 600.71 491.91 343.6944 279.18 506.80 507.60 640.70 520.74 576.53 468.67 283.4145 347.92 514.23 416.65 704.86 574.67 634.19 516.10 361.66

Note: The above rates are applicable to insureds with zero merit rating points.Class 15 rates are 75% of Class 10 final rates for all coverages.

1





1 52.06 78.30 58.57 145.15 80.21 129.87 72.58 52.062 55.00 84.50 63.62 155.71 88.30 140.53 78.81 53.923 60.50 88.47 68.07 169.33 94.17 152.21 83.72 58.354 62.78 98.17 71.44 187.76 107.70 168.70 97.22 61.705 68.27 102.08 82.34 207.02 120.21 186.03 108.75 68.276 68.63 106.68 78.28 209.58 130.28 187.86 117.06 67.557 75.92 111.72 92.19 241.60 144.20 216.77 128.91 73.758 76.93 117.35 91.02 239.46 146.91 215.61 131.66 74.769 95.44 134.65 109.54 266.42 164.24 240.64 148.01 91.1110 87.85 144.20 111.71 254.01 171.89 228.22 154.70 86.7711 85.68 156.60 110.63 250.19 172.85 225.37 155.65 93.2712 92.19 149.92 119.30 250.19 185.25 225.37 167.11 88.9413 114.96 183.34 140.99 274.06 204.35 247.32 184.30 111.7114 129.06 192.89 157.27 270.25 211.04 243.51 190.98 123.6415 144.25 206.27 160.51 262.60 221.54 236.82 199.57 135.5816 121.47 205.31 201.73 249.24 208.18 224.41 187.17 123.6417 93.07 151.34 110.58 258.35 155.21 232.32 138.81 93.0718 95.44 199.57 126.89 263.56 194.80 236.82 174.75 108.4619 111.71 191.94 144.25 241.60 189.08 216.77 169.98 122.5620 111.71 214.86 147.50 272.15 211.99 245.41 190.98 126.8921 135.58 214.86 202.81 264.51 222.50 238.73 200.53 188.7222 133.40 214.86 199.56 265.47 218.67 238.73 196.72 183.2923 92.19 182.39 142.08 244.46 184.30 219.63 166.15 94.3524 94.81 156.52 117.43 243.78 165.05 219.13 148.93 94.8125 95.44 184.30 124.73 248.28 191.94 222.50 171.89 106.2926 116.05 200.53 158.34 243.51 205.31 219.63 185.25 112.8027 45.29 71.21 49.60 129.13 67.42 116.79 59.82 48.5340 113.88 184.30 136.65 258.79 189.08 232.05 170.93 117.1341 113.88 181.44 148.58 256.87 196.72 232.05 177.62 117.1342 143.16 203.40 163.77 259.74 216.77 233.96 195.76 143.1643 131.23 205.31 163.77 266.42 223.45 239.69 200.53 140.9944 117.13 209.12 206.07 254.96 212.95 230.14 190.98 119.3045 138.82 205.31 164.86 271.19 225.37 243.51 203.40 143.16


2



Class-Territory Base RatesPart 4 Basic ($5,000 PDL)


1 166.15 261.25 210.96 513.87 318.88 462.96 287.19 173.812 180.36 275.67 217.53 556.13 342.90 500.42 308.32 184.743 182.55 280.46 229.55 572.46 341.94 514.83 307.36 194.574 194.57 291.99 232.83 614.72 367.87 553.25 331.38 213.155 201.13 304.48 239.39 653.14 402.45 587.82 362.11 225.176 210.96 307.36 251.41 651.22 412.05 586.86 371.72 226.277 214.24 307.36 262.34 663.70 435.10 597.43 390.93 232.838 218.62 329.45 272.18 691.56 439.91 622.40 395.72 245.959 228.46 340.01 273.27 711.73 446.64 641.61 402.45 236.1010 220.81 329.45 263.43 685.79 430.31 616.64 387.08 226.2711 219.71 353.47 272.18 688.68 434.14 619.53 389.97 231.7412 238.29 351.55 284.20 686.76 452.39 618.56 408.22 242.6713 263.43 371.72 299.51 727.10 479.29 655.06 432.22 263.4314 275.46 402.45 317.00 729.98 495.62 656.98 445.67 283.1215 291.86 437.99 333.39 733.82 530.19 660.82 477.37 297.3216 251.41 423.58 324.65 706.93 467.77 635.85 421.66 260.1517 233.93 394.76 279.83 712.69 415.89 641.61 374.59 233.9318 255.79 443.75 311.53 729.98 472.56 657.95 426.46 252.5019 259.06 424.54 310.44 686.76 442.79 618.56 398.61 250.3220 251.41 442.79 306.07 736.71 468.73 662.74 422.62 264.5321 297.32 488.89 357.44 727.10 526.36 654.10 473.52 298.4122 360.72 499.46 424.12 693.48 540.76 625.28 487.94 351.9823 214.24 429.35 313.72 695.40 460.08 625.28 413.97 235.0124 263.43 434.14 315.91 705.97 445.67 634.89 400.53 257.9725 250.32 470.64 313.72 707.89 493.69 637.77 444.71 264.5326 301.69 486.02 391.32 697.33 532.11 627.20 478.33 298.4127 161.78 250.69 191.29 489.85 284.31 440.87 255.50 161.7840 228.46 374.59 283.12 680.99 428.39 612.80 386.12 263.4341 233.93 367.87 295.13 685.79 458.16 617.60 413.01 247.0342 232.83 393.80 318.09 698.29 494.66 629.13 445.67 275.4643 279.83 422.62 330.12 729.02 524.44 655.06 471.60 284.2044 225.17 421.66 325.74 720.37 476.41 647.37 428.39 232.8345 286.39 426.46 326.84 733.82 524.44 660.82 471.60 291.86


3



Class-Territory Base RatesPart 5 Basic (B)


1 20.57 36.33 25.98 62.14 33.46 56.41 30.60 20.572 21.65 39.19 28.15 67.87 37.29 61.19 33.46 21.653 22.74 41.11 30.31 73.62 40.16 65.97 36.33 22.744 24.91 46.85 32.48 82.22 46.85 73.62 41.11 24.915 27.07 49.72 37.90 92.74 52.58 83.18 47.80 29.246 28.15 52.58 35.73 93.69 57.36 84.13 51.63 29.247 29.24 50.67 38.97 99.43 58.31 88.91 52.58 29.248 29.24 54.50 40.06 102.30 61.19 92.74 55.45 30.319 37.90 63.09 49.80 114.73 69.79 103.25 62.14 36.8110 35.73 64.06 50.89 107.08 72.66 97.52 65.01 35.7311 36.81 71.70 48.72 105.16 73.62 95.60 65.97 41.1412 38.97 68.84 54.13 106.12 79.35 95.60 71.70 42.2313 47.63 85.09 64.96 116.64 87.96 104.21 79.35 47.6314 51.97 87.00 68.21 110.90 87.00 100.38 77.44 50.8915 61.71 91.78 71.45 107.08 91.78 96.56 82.22 60.6316 66.04 86.04 83.37 100.38 86.04 90.82 77.44 68.2117 40.06 68.84 49.80 113.77 66.92 102.30 59.28 40.0618 49.80 95.60 59.55 114.73 87.00 103.25 78.40 57.3819 51.97 87.96 63.88 102.30 81.26 92.74 73.62 59.5520 54.13 94.65 66.04 110.90 86.04 100.38 77.44 62.7921 75.78 95.60 92.03 111.86 95.60 101.34 86.04 93.1022 68.21 87.00 84.44 101.34 86.04 91.78 77.44 83.3723 37.90 86.04 62.79 101.34 78.40 91.78 70.75 40.0624 38.97 68.84 50.89 101.34 68.84 91.78 62.14 41.1425 44.39 87.00 57.38 104.21 81.26 93.69 73.62 47.6326 54.13 87.00 68.21 101.34 87.00 91.78 77.44 54.1327 19.49 33.46 21.65 56.41 27.73 50.67 24.85 19.4940 43.30 80.31 59.55 105.16 78.40 94.65 70.75 45.4741 45.47 82.22 64.96 105.16 82.22 94.65 73.62 47.6342 57.38 89.87 69.29 105.16 88.91 93.69 80.31 60.6343 55.22 91.78 71.45 107.08 91.78 96.56 82.22 61.7144 59.55 87.96 84.44 102.30 87.00 91.78 77.44 68.2145 59.55 97.52 75.78 115.68 96.56 103.25 87.00 64.96


4



Class-Territory Base RatesPart 7 $500 Deductible (Collision)


1 251.67 489.20 333.39 896.38 494.99 805.68 445.78 250.582 266.93 505.60 341.01 952.34 494.99 856.82 444.82 265.833 264.75 520.07 358.45 952.34 512.36 857.78 461.22 264.754 277.83 541.31 362.80 984.19 546.13 886.73 490.17 276.735 296.35 571.21 390.03 1046.91 601.13 942.70 541.31 294.166 307.24 597.26 405.30 1055.59 622.35 949.45 560.61 305.067 329.60 621.36 445.13 1070.02 661.72 962.08 596.02 324.318 330.12 601.13 453.23 1044.01 645.51 939.80 579.90 327.939 346.46 631.03 453.23 1092.25 680.25 982.26 611.74 344.2810 318.14 609.81 430.36 1032.43 659.98 930.15 592.44 322.4911 341.01 673.50 465.21 994.81 660.95 894.45 593.41 338.8312 398.76 729.46 513.15 1050.76 761.29 945.59 684.10 396.5713 408.57 673.50 555.64 1078.75 782.53 970.68 703.40 402.0314 452.15 746.82 604.68 1054.63 818.23 948.49 735.24 449.9615 540.39 782.53 652.61 1049.80 854.90 945.59 769.02 528.4116 470.67 747.79 580.70 1010.24 716.92 908.92 645.51 453.2317 362.80 677.35 477.19 1028.58 641.65 926.29 577.01 361.7218 433.61 734.29 551.29 985.16 738.14 887.70 664.80 423.8219 440.67 732.34 615.65 935.51 753.13 841.96 677.53 437.4720 515.33 799.89 654.78 1040.15 821.13 934.97 738.14 501.1721 537.12 814.36 752.84 1033.40 933.05 930.15 839.45 646.0722 594.87 805.68 772.46 1023.75 901.20 921.47 811.48 800.7823 380.27 746.25 671.94 974.91 789.31 877.32 709.90 427.8024 429.26 737.17 605.76 997.69 756.47 899.28 681.22 427.0925 442.01 764.68 652.19 997.83 799.23 898.05 719.59 465.8426 520.77 761.29 713.62 955.24 828.84 859.72 745.86 571.9927 239.69 468.94 307.24 868.40 459.29 781.56 413.93 238.6040 379.88 647.22 519.39 977.01 702.34 878.16 632.97 387.4041 359.53 676.39 551.29 998.66 748.76 899.28 673.50 372.6142 415.09 724.64 628.64 992.87 797.96 892.52 718.84 405.3043 463.04 746.82 631.91 1014.10 832.70 913.75 747.79 452.1544 414.01 737.17 545.83 997.69 691.82 899.28 623.32 398.7645 485.92 742.97 639.53 1027.61 833.66 922.44 750.69 472.84


5



Class-Territory Base RatesPart 9 $500 Deductible (Comprehensive)


1 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.632 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.633 130.61 130.61 130.61 130.61 130.61 130.61 130.61 130.614 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.005 134.87 134.87 134.87 134.87 134.87 134.87 134.87 134.876 129.55 129.55 129.55 129.55 129.55 129.55 129.55 129.557 145.35 145.35 145.35 145.35 145.35 145.35 145.35 145.358 135.80 135.80 135.80 135.80 135.80 135.80 135.80 135.809 139.11 139.11 139.11 139.11 139.11 139.11 139.11 139.1110 144.43 144.43 144.43 144.43 144.43 144.43 144.43 144.4311 150.06 150.06 150.06 150.06 150.06 150.06 150.06 150.0612 155.05 155.05 155.05 155.05 155.05 155.05 155.05 155.0513 191.88 191.88 191.88 191.88 191.88 191.88 191.88 191.8814 180.34 180.34 180.34 180.34 180.34 180.34 180.34 180.3415 229.26 229.26 229.26 229.26 229.26 229.26 229.26 229.2616 367.74 367.74 367.74 367.74 367.74 367.74 367.74 367.7417 131.68 131.68 131.68 131.68 131.68 131.68 131.68 131.6818 261.10 261.10 261.10 261.10 261.10 261.10 261.10 261.1019 289.55 289.55 289.55 289.55 289.55 289.55 289.55 289.5520 256.95 256.95 256.95 256.95 256.95 256.95 256.95 256.9521 353.01 353.01 353.01 353.01 353.01 353.01 353.01 353.0122 402.90 402.90 402.90 402.90 402.90 402.90 402.90 402.9023 242.12 242.12 242.12 242.12 242.12 242.12 242.12 242.1224 181.05 181.05 181.05 181.05 181.05 181.05 181.05 181.0525 272.64 272.64 272.64 272.64 272.64 272.64 272.64 272.6426 324.95 324.95 324.95 324.95 324.95 324.95 324.95 324.9527 109.38 109.38 109.38 109.38 109.38 109.38 109.38 109.3840 165.02 165.02 165.02 165.02 165.02 165.02 165.02 165.0241 166.39 166.39 166.39 166.39 166.39 166.39 166.39 166.3942 203.69 203.69 203.69 203.69 203.69 203.69 203.69 203.6943 217.70 217.70 217.70 217.70 217.70 217.70 217.70 217.7044 344.65 344.65 344.65 344.65 344.65 344.65 344.65 344.6545 231.50 231.50 231.50 231.50 231.50 231.50 231.50 231.50

Note: Class 15 rates are 75% of Class 10 final rates for all coverages.

6


EFFECTIVE MARCH 1, 2016


Increased Limits Factors and Flat Rates

Increased Limits Factors

Part 3 Part 12

(U-1) (U-2)

Limit Factor Limit Factor Limit Rate Rate

5,000 1.000 20/40 1.00 20/40 $14.23 $0.00

10,000 1.204 20/50 1.01 20/50 $15.25 $1.04

15,000 1.220 25/50 1.05 25/50 $16.27 $3.11

20,000 1.232 25/60 1.06 25/60 $17.29 $4.14

25,000 1.242 35/80 1.16 35/80 $18.30 $12.43

30,000 1.249 50/100 1.27 50/100 $19.31 $21.76

35,000 1.254 100/100 1.48 100/100 $20.33 $46.62

40,000 1.258 100/200 1.49 100/200 $21.35 $47.66

45,000 1.262 100/300 1.50 100/300 $22.37 $48.69

50,000 1.265 200/400 1.83 200/400 $26.44 $113.96

75,000 1.274 250/500 1.94 250/500 $27.45 $135.72

80,000 1.275 250/1000 1.99 250/1000 $28.46 $146.08

100,000 1.280 300/500 2.18 300/500 $30.50 $191.66

150,000 1.292 500/500 2.86 500/500 $39.65 $350.17

200,000 1.303 500/1000 2.91 500/1000 $40.67 $360.53

250,000 1.309

300,000 1.314

400,000 1.323

500,000 1.329

750,000 1.338

1,000,000 1.348

Part 6

Substitute Transportation (D)

Limit Private Passenger Motorcycle Limit Rate

$15 day/$450 Maximum $12.83 $46.35 5,000 $21.43

$20 day/$600 Maximum 27.80 61.80 10,000 28.93

$30 day/$900 Maximum 57.73 92.70 15,000 36.43

$40 day/$1,200 Maximum 102.64 145.23 20,000 39.65

$45 day$1,350 Maximum 125.09 172.01 25,000 43.93

$50 day/$1,500 Maximum 147.54 188.49 50,000 50.36

$75 day/$2,250 Maximum 160.37 272.95 100,000 60.01

$100 day/$3,000 Maximum 187.10 356.38

$5,000 Maximum, no per day limit 213.83 N/A

(Prestige Rental Coverage)

Towing and Labor Limit Private Passengers and Motorcycles

$50.00 Limit

Age of Vehicle 10 years or less $8.56

Age of Vehicle greater than 10 years $10.70

$100.00 Limit


Age of Vehicle greater than 10 years 21.40

ADDITIONAL RULE - IDENTITY THEFT PROTECTION

Number of Named Insureds Rate

1 $21

2 39

The above rates are applicable to insureds with zero merit rating points.

7

Part 4 (PDL) Part 5 (B)

Flat Rates




Additional Bodily Injury Increased Limits Factors

Part 5 Bodily Injury Increased Limit Factors

LIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 1000

40 1.00 1.05 1.11 1.19

45 1.05 1.11 1.19

50 1.01 1.05 1.11 1.19 1.26

60 1.06

70 1.01 1.06 1.11 1.20 1.26

80 1.16

100 1.02 1.07 1.12 1.20 1.27 1.48

150 1.02 1.07 1.13 1.21 1.28 1.49 1.67

200 1.02 1.08 1.13 1.21 1.28 1.49 1.68 1.81

250 1.02 1.08 1.13 1.22 1.28 1.50 1.69 1.82 1.92

300 1.03 1.08 1.13 1.22 1.29 1.50 1.69 1.82 1.93 2.15

350 1.29 1.50 1.69 1.83 1.93 2.16

400 1.29 1.51 1.70 1.83 1.93 2.17 2.55

500 1.29 1.51 1.70 1.84 1.94 2.18 2.56 2.86

600 1.30 1.52 1.71 1.84 1.95 2.19 2.58 2.87 2.98

700 1.30 1.52 1.71 1.84 1.96 2.20 2.59 2.88 2.98 3.05

800 1.30 1.52 1.71 1.85 1.97 2.21 2.60 2.89 2.98 3.05 3.11

900 1.30 1.53 1.72 1.85 1.98 2.22 2.60 2.90 2.99 3.05 3.11 3.17

1000 1.30 1.53 1.72 1.85 1.99 2.23 2.61 2.91 2.99 3.06 3.12 3.17 3.21

Additional Increased Limit Factors Limit

45/45 1.23

750/750 3.08

LIMIT P

ER ACCIDEN

T (000's)

8

AMICA MUTUAL INSURANCE COMPANYEffective March 1, 2016


Additional Uninsured and Underinsured Limits and Rates

Coverage U‐1 (Uninsured Motorists) Rates for Vehicles Other Than Motorcycles

LIMIT PER PERSON (000s)20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 1000

40 14.23 16.27 17.29 18.3045 16.27 17.29 18.3050 15.25 16.27 17.29 18.30 19.3160 17.2970 15.25 17.29 18.30 18.30 19.3180 18.30100 15.25 17.29 18.30 18.30 19.31 20.33150 15.25 17.29 18.30 18.30 19.31 21.35 24.40200 15.25 17.29 18.30 18.30 19.31 21.35 24.40 26.44250 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45300 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45 30.50350 19.31 22.37 24.40 26.44 27.45 30.50400 19.31 22.37 24.40 26.44 27.45 30.50 35.58500 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65600 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65 41.68700 19.31 22.37 25.42 26.44 27.45 30.50 35.58 39.65 41.68 42.70800 19.31 22.37 25.42 26.44 28.46 30.50 35.58 40.67 41.68 42.70 42.70900 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.711000 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71 44.73

Additional Increased Limit Rates Limit Rate45/45 19.31750/750 42.70

Coverage U‐2 (Underinsured Motorists) Rates for Vehicles Other Than Motorcycles


40 0.00 3.11 8.29 14.5045 3.11 8.29 15.5450 1.04 3.11 8.29 15.54 20.7260 4.1470 1.04 4.14 8.29 15.54 21.7680 12.43100 1.04 5.18 9.32 16.58 21.76 46.62150 1.04 5.18 9.32 16.58 22.79 47.66 82.88200 2.07 5.18 10.36 16.58 22.79 47.66 83.92 110.85250 2.07 6.22 10.36 17.61 23.83 48.69 84.95 111.89 132.61300 2.07 6.22 10.36 17.61 23.83 48.69 85.99 112.92 133.64 183.37350 23.83 49.73 87.02 112.92 133.64 186.48400 23.83 49.73 87.02 113.96 134.68 188.55 277.65500 24.86 50.76 88.06 115.00 135.72 191.66 280.76 350.17600 24.86 51.80 89.10 116.03 138.82 194.77 283.86 353.28 368.82700 24.86 52.84 90.13 117.07 140.90 196.84 285.94 355.35 369.85 378.14800 25.90 52.84 90.13 117.07 142.97 198.91 288.01 357.42 369.85 378.14 386.43900 25.90 53.87 91.17 118.10 144.00 200.98 290.08 358.46 370.89 379.18 386.43 392.641000 25.90 53.87 91.17 118.10 146.08 202.02 292.15 360.53 370.89 379.18 386.43 392.64 398.86

Additional Increased Limit Rates Limit Rate45/45 17.61

750/750 382.28LIM

IT PER

ACCIDEN

T (000's)

LIMIT P

ER ACCIDEN

T (000's)

9

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE APRIL 1, 2008


Implicit Surcharge Exclusion Factors

Unless otherwise specified, the basic limits rate shown on the rate pages are for $20,000/$40,000 bodily injury

(Parts 1 and 5) and $5,000 property damage (Part 4). The charge for bodily injury increased limits is determined

by applying the factors shown on the Increased Limits Tables to the total of the adjusted Part 1 premium and

Part 5 basic limits premium and then subtracting the adjusted Part 1 premium.

Adjusted Part 1 premium is determined by applying the Implicit Surcharge Exclusion Factor to the Part 1 premium

appearing in the Rate Pages for the particular territory and operator classification. The result should be rounded

to the nearest whole dollar amount only after all calculations have been completed.

Class Class Class Class Class Class Class Class

Territory 10 17 18 20 21 25 26 30

1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.100

2 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.119

3 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.102

4 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.094

5 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.129

6 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.113

7 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.124

8 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.139

9 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.145

10 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.107

11 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.138

12 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.185

13 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.144

14 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.200

15 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.156

16 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.219

17 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.162

18 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.227

19 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.170

20 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.150

21 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.183

22 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.294

23 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.111

24 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.250

25 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.132

26 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.131

27 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.089

40 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.051

41 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.177

42 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.088

43 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.154

44 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.196

45 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

10




Model Year / Symbol Factors

Part 7 $500 Deductible (Collision)

1990 1989

Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior

(a) (b) (c)

1 0.831 0.791 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 0.117

2 1.037 0.988 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 0.135

3 1.097 1.045 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 0.161

4 1.162 1.107 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 0.193

5 1.232 1.173 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 0.228

6 1.306 1.244 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 0.266

7 1.347 1.283 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 0.314

8 1.387 1.321 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581 0.372

10 1.474 1.404 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 0.436

11 1.563 1.489 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 0.520

12 1.612 1.535 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 0.612

13 1.660 1.581 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 0.728

14 1.715 1.633 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 0.865

15 1.766 1.682 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 1.021

16 1.823 1.736 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 1.214

17 1.877 1.788 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 1.444

18 1.938 1.846 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.994 1.661

19 1.997 1.902 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.058 1.877

20 2.062 1.964 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.150 2.094

21 2.124 2.023 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.242 2.310

22 2.175 2.071 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.334

23 2.195 2.090 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.426

24 2.212 2.107 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.564

25 2.262 2.154 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.702

26 2.293 2.184 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.840

27 2.352 2.240 2.133 2.031 1.934 1.842

28 2.408 2.293 2.184 2.080 1.981 1.887

29 2.441 2.325 2.214 2.109 2.009 1.913

30 2.503 2.384 2.270 2.162 2.059 1.961

31 2.563 2.441 2.325 2.214 2.109 2.009

32 2.598 2.474 2.356 2.244 2.137 2.035

33 2.666 2.539 2.418 2.303 2.193 2.089

34 2.733 2.603 2.479 2.361 2.249 2.142

35 2.769 2.637 2.511 2.391 2.277 2.169

36 2.860 2.724 2.594 2.470 2.352 2.240

37 2.948 2.808 2.674 2.547 2.426 2.310

(a) 75 Symbol Table applies to 2011 and later model years. Refer to Rule 22. for rating Symbol 98 vehicles.

(b) 27 Symbol Table applies to 1990 - 2010 model years. Refer to Rule 22. for rating Symbol 27 vehicles.

(c) 21 Symbol Table applies to 1989 and earlier model years.

11






1990 1989


(a) (b) (c)

38 3.001 2.858 2.722 2.592 2.469 2.351

39 3.085 2.938 2.798 2.665 2.538 2.417

40 3.169 3.018 2.874 2.737 2.607 2.483

41 3.205 3.052 2.907 2.769 2.637 2.511

42 3.260 3.105 2.957 2.816 2.682 2.554

43 3.360 3.200 3.048 2.903 2.765 2.633

44 3.462 3.297 3.140 2.990 2.848 2.712

45 3.499 3.332 3.173 3.022 2.878 2.741

46 3.590 3.419 3.256 3.101 2.953 2.812

47 3.679 3.504 3.337 3.178 3.027 2.883

48 3.719 3.542 3.373 3.212 3.059 2.913

49 3.775 3.595 3.424 3.261 3.106 2.958

50 3.857 3.673 3.498 3.331 3.172 3.021

51 3.934 3.747 3.569 3.399 3.237 3.083

52 3.973 3.784 3.604 3.432 3.269 3.113

53 4.032 3.840 3.657 3.483 3.317 3.159

54 4.137 3.940 3.752 3.573 3.403 3.241

55 4.240 4.038 3.846 3.663 3.489 3.323

56 4.359 4.151 3.953 3.765 3.586 3.415

57 4.475 4.262 4.059 3.866 3.682 3.507

58 4.611 4.391 4.182 3.983 3.793 3.612

59 4.743 4.517 4.302 4.097 3.902 3.716

60 4.935 4.700 4.476 4.263 4.060 3.867

61 5.127 4.883 4.650 4.429 4.218 4.017

62 5.460 5.200 4.952 4.716 4.491 4.277

63 5.772 5.497 5.235 4.986 4.749 4.523

64 6.105 5.814 5.537 5.273 5.022 4.783

65 6.418 6.112 5.821 5.544 5.280 5.029

66 6.899 6.570 6.257 5.959 5.675 5.405

67 7.544 7.185 6.843 6.517 6.207 5.911

68 8.190 7.800 7.429 7.075 6.738 6.417

69 8.836 8.415 8.014 7.632 7.269 6.923

70 9.463 9.012 8.583 8.174 7.785 7.414

71 10.108 9.627 9.169 8.732 8.316 7.920

72 10.753 10.241 9.753 9.289 8.847 8.426

73 11.400 10.857 10.340 9.848 9.379 8.932

74 12.046 11.472 10.926 10.406 9.910 9.438

75 12.691 12.087 11.511 10.963 10.441 9.944




12





Part 9 $500 Deductible (Comprehensive)

Model Year

1990 1989


(a) (b) (c)

1 0.671 0.639 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 0.126

2 0.823 0.784 0.747 0.711 0.677 0.645 2 0.646 0.62 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 0.154

3 0.865 0.824 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 0.186

4 0.908 0.865 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 0.220

5 0.958 0.912 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 0.263

6 1.012 0.964 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 0.311

7 1.038 0.989 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 0.377

8 1.065 1.014 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751 0.451

10 1.121 1.068 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 0.539

11 1.184 1.128 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 0.643

12 1.218 1.160 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 0.776

13 1.251 1.191 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 0.932

14 1.285 1.224 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 1.121

15 1.320 1.257 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 1.342

16 1.359 1.294 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 1.616

17 1.394 1.328 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 1.941

18 1.434 1.366 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.255 2.232

19 1.474 1.404 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.336 2.523

20 1.515 1.443 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.453 2.814

21 1.558 1.484 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.569 3.106

22 1.581 1.506 1.434 1.366 1.301 1.239 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.685

23 1.603 1.527 1.454 1.385 1.319 1.257 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.801

24 1.626 1.549 1.475 1.405 1.338 1.274 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.975

25 1.650 1.571 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.150

26 1.687 1.607 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.324

27 1.716 1.634 1.556 1.482 1.411 1.344

28 1.743 1.660 1.581 1.506 1.434 1.366

29 1.781 1.696 1.615 1.538 1.465 1.395

30 1.813 1.727 1.645 1.567 1.492 1.421

31 1.846 1.758 1.674 1.594 1.518 1.446

32 1.882 1.792 1.707 1.626 1.549 1.475

33 1.919 1.828 1.741 1.658 1.579 1.504

34 1.955 1.862 1.773 1.689 1.609 1.532

35 1.992 1.897 1.807 1.721 1.639 1.561

36 2.058 1.960 1.867 1.778 1.693 1.612

37 2.122 2.021 1.925 1.833 1.746 1.663




13






Model Year

1990 1989


(a) (b) (c)

38 2.186 2.082 1.983 1.889 1.799 1.713

39 2.220 2.114 2.013 1.917 1.826 1.739

40 2.252 2.145 2.043 1.946 1.853 1.765

41 2.307 2.197 2.092 1.992 1.897 1.807

42 2.368 2.255 2.148 2.046 1.949 1.856

43 2.430 2.314 2.204 2.099 1.999 1.904

44 2.493 2.374 2.261 2.153 2.050 1.952

45 2.545 2.424 2.309 2.199 2.094 1.994

46 2.576 2.453 2.336 2.225 2.119 2.018

47 2.606 2.482 2.364 2.251 2.144 2.042

48 2.676 2.549 2.428 2.312 2.202 2.097

49 2.748 2.617 2.492 2.373 2.260 2.152

50 2.771 2.639 2.513 2.393 2.279 2.170

51 2.793 2.660 2.533 2.412 2.297 2.188

52 2.861 2.725 2.595 2.471 2.353 2.241

53 2.918 2.779 2.647 2.521 2.401 2.287

54 2.963 2.822 2.688 2.560 2.438 2.322

55 3.008 2.865 2.729 2.599 2.475 2.357

56 3.137 2.988 2.846 2.710 2.581 2.458

57 3.266 3.110 2.962 2.821 2.687 2.559

58 3.339 3.180 3.029 2.885 2.748 2.617

59 3.413 3.250 3.095 2.948 2.808 2.674

60 3.551 3.382 3.221 3.068 2.922 2.783

61 3.691 3.515 3.348 3.189 3.037 2.892

62 3.941 3.753 3.574 3.404 3.242 3.088

63 4.199 3.999 3.809 3.628 3.455 3.290

64 4.457 4.245 4.043 3.850 3.667 3.492

65 4.706 4.482 4.269 4.066 3.872 3.688

66 5.089 4.847 4.616 4.396 4.187 3.988

67 5.605 5.338 5.084 4.842 4.611 4.391

68 6.111 5.820 5.543 5.279 5.028 4.789

69 6.619 6.304 6.004 5.718 5.446 5.187

70 7.136 6.796 6.472 6.164 5.870 5.590

71 7.649 7.285 6.938 6.608 6.293 5.993

72 8.164 7.775 7.405 7.052 6.716 6.396

73 8.678 8.265 7.871 7.496 7.139 6.799

74 9.192 8.754 8.337 7.940 7.562 7.202

75 9.705 9.243 8.803 8.384 7.985 7.605




14




Deductible Discounts and Relativities

Named Named Insured and

Deductible Insured Household Members

100 2% 2%

250 4% 5%

500 8% 10%

1000 14% 19%

2000 26% 35%

4000 37% 48%

8000 45% 59%

Limited

Deductible Collision* Collision* Comprehensive*

0 N/A $8.50 N/A

300 0.17*** $5.32 1.03

500 1.00 1.00 1.00

750 0.85 0.80 0.91

1000 0.63 0.54 0.75

1500 0.56 0.43 0.67

2000 0.48 0.32 0.62

2500 0.46 0.30 0.57

3000 0.44 0.28 0.53

4000 0.42 0.26 0.49

5000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84

* Charges based on $500 Deductible Premium

** Applies to otherwise determined premium, including fire, theft and combined additional coverages

*** Applied to $500 Deductible base to determine buyback charge.

15

PIP Deductible Discounts

Physical Damage Deductible Relativities

LIMITED COLLISION

$500 Deductible - Charge 6% of the collision manual rate for the s

Massachusetts


Collision Waiver of

Deductible Deductible Charge

300 $10

500 $13

750 $15

1000 $16

1500 $20

2000 $25

2500 $25

3000 $25

4000 $25

5000 $25


16



Private Passenger Automobile Insurance Rates



Massachusetts


Merit Rating Plan

Percentages to Apply to Otherwise Applicable Premiums*

Parts 1, 2, 4 , and 7 Only

Merit

Rating

Code

Years Insured 0-2 Years Insured 3-5 Years Insured 6+

99 N/A N/A N/A

98 N/A N/A N/A

0 0.0% 0.0% 0.0%

1 7.5% 7.5% 7.5%

2 15.0% 15.0% 15.0%

3 22.5% 22.5% 22.5%

4 30.0% 30.0% 30.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%

* Total policy adjustment is determined by applying the above percentages

(for the appropriate code) to rates by coverage (after all applicable discounts

and rating factors), rounding to the nearest whole dollar amount, and then

summing the results for all coverages.

Classes 20, 21, 25, 26

17



Massachusetts


Merit Rating Plan



Merit

Rating

CodeYears Insured 0-2 Years Insured 3-5 Years Insured 6+

99 N/A N/A N/A

98** ‐11.7% ‐11.7% ‐11.7%

0 0.0% 0.0% 0.0%

1 7.5% 5.0% 0.0%

2 15.0% 10.0% 0.0%

3 22.5% 15.0% 7.5%

4 30.0% 20.0% 10.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%





** Five years licensed required for Merit Rating Group 98.

Classes 17 and 18

18



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 82.5% 66.5% 50.5%

6 99.0% 87.0% 75.0%

7 115.5% 107.5% 99.5%

8 132.0% 128.0% 124.0%

9 148.5% 148.5% 148.5%

10 165.0% 165.0% 165.0%

11 181.5% 181.5% 181.5%

12 198.0% 198.0% 198.0%

13 214.5% 214.5% 214.5%

14 231.0% 231.0% 231.0%

15 247.5% 247.5% 247.5%

16 264.0% 264.0% 264.0%

17 280.5% 280.5% 280.5%

18 297.0% 297.0% 297.0%

19 313.5% 313.5% 313.5%

20 330.0% 330.0% 330.0%

21 346.5% 346.5% 346.5%

22 363.0% 363.0% 363.0%

23 379.5% 379.5% 379.5%

24 396.0% 396.0% 396.0%

25 412.5% 412.5% 412.5%

26 429.0% 429.0% 429.0%

27 445.5% 445.5% 445.5%

28 462.0% 462.0% 462.0%

29 478.5% 478.5% 478.5%

30 495.0% 495.0% 495.0%

31 511.5% 511.5% 511.5%

32 528.0% 528.0% 528.0%

33 544.5% 544.5% 544.5%

34 561.0% 561.0% 561.0%

35 577.5% 577.5% 577.5%

36 594.0% 594.0% 594.0%

37 610.5% 610.5% 610.5%

38 612.5% 612.5% 612.5%

39 643.5% 643.5% 643.5%

40 660.0% 660.0% 660.0%

41 676.5% 676.5% 676.5%

42 693.0% 693.0% 693.0%

43 709.5% 709.5% 709.5%

44 726.0% 726.0% 726.0%

45 742.5% 742.5% 742.5%





Classes 10, 15 and 30 in Ranges 3 , 7 and 8 Only

19



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 160.5% 156.5% 152.5%

9 179.0% 179.0% 179.0%

10 197.0% 197.0% 197.0%

11 215.0% 215.0% 215.0%

12 233.0% 233.0% 233.0%

13 251.5% 251.5% 251.5%

14 269.5% 269.5% 269.5%

15 287.5% 287.5% 287.5%

16 305.5% 305.5% 305.5%

17 323.5% 323.5% 323.5%

18 342.0% 342.0% 342.0%

19 360.0% 360.0% 360.0%

20 378.0% 378.0% 378.0%

21 396.0% 396.0% 396.0%

22 414.0% 414.0% 414.0%

23 432.5% 432.5% 432.5%

24 450.5% 450.5% 450.5%

25 468.5% 468.5% 468.5%

26 486.5% 486.5% 486.5%

27 505.0% 505.0% 505.0%

28 523.0% 523.0% 523.0%

29 541.0% 541.0% 541.0%

30 559.0% 559.0% 559.0%

31 577.5% 577.5% 577.5%

32 595.5% 595.5% 595.5%

33 613.5% 613.5% 613.5%

34 631.5% 631.5% 631.5%

35 649.5% 649.5% 649.5%

36 668.0% 668.0% 668.0%

37 686.0% 686.0% 686.0%

38 704.0% 704.0% 704.0%

39 722.0% 722.0% 722.0%

40 740.5% 740.5% 740.5%

41 758.5% 758.5% 758.5%

42 776.5% 776.5% 776.5%

43 794.5% 794.5% 794.5%

44 812.5% 812.5% 812.5%

45 831.0% 831.0% 831.0%





Classes 10, 15 and 30 in Range 5 Only

20



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 156.0% 152.0% 148.0%

9 174.5% 174.5% 174.5%

10 192.5% 192.5% 192.5%

11 210.5% 210.5% 210.5%

12 229.0% 229.0% 229.0%

13 247.0% 247.0% 247.0%

14 265.0% 265.0% 265.0%

15 283.5% 283.5% 283.5%

16 301.5% 301.5% 301.5%

17 319.5% 319.5% 319.5%

18 337.5% 337.5% 337.5%

19 356.0% 356.0% 356.0%

20 374.0% 374.0% 374.0%

21 392.0% 392.0% 392.0%

22 410.5% 410.5% 410.5%

23 428.5% 428.5% 428.5%

24 446.5% 446.5% 446.5%

25 465.0% 465.0% 465.0%

26 483.0% 483.0% 483.0%

27 501.0% 501.0% 501.0%

28 519.0% 519.0% 519.0%

29 537.5% 537.5% 537.5%

30 555.5% 555.5% 555.5%

31 573.5% 573.5% 573.5%

32 592.0% 592.0% 592.0%

33 610.0% 610.0% 610.0%

34 628.0% 628.0% 628.0%

35 646.5% 646.5% 646.5%

36 664.5% 664.5% 664.5%

37 682.5% 682.5% 682.5%

38 700.5% 700.5% 700.5%

39 719.0% 719.0% 719.0%

40 737.0% 737.0% 737.0%

41 755.0% 755.0% 755.0%

42 773.5% 773.5% 773.5%

43 791.5% 791.5% 791.5%

44 809.5% 809.5% 809.5%

45 828.0% 828.0% 828.0%





Classes 10, 15 and 30 in All Other Ranges

21

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE MANUAL

Rule 11 Page 1 of 1

Effective MARCH 1, 2016 RULE 11. PREMIUM CALCULATION RULE The following sequence shall be used in rating the policy. The manual rate includes any premium adjustment as may be necessary to increase, reduce or eliminate the deductible amount applicable to Parts 7, 8 and 9, or to apply Waiver of Deductible under Part 7. 1. Apply the appropriate HAL factor from Rule 26 to the base rate for all parts, including the

Collision Deductible Waiver and excluding Part 5. For Part 5, the HAL factor is applied after the base premium calculation as follows: Part 5 Base Premium = (A + Part 5 Base Rate) x Part 5 Increased Limit Factor – A where A = Part 1 Base Rate x Implicit Surcharge Factor

2. Apply the appropriate rating factor under Rule 24 to the manual rate for Parts 7 and 9, if applicable.

3. Apply the appropriate rating factor under Rule 26 if applicable. 4. Apply the appropriate rating adjustment under Rule 48 to the rate for Parts 7, 8 or 9, if

applicable. 5. Apply the appropriate discount to the premium developed in Step 2. Refer to Rule 19 for a

definition of the available discounts.

The discount shall be rounded to the nearest dollar after each application except for class 15. (Refer to Rule 19 for the application of a class 15 discount.)

6. Apply the appropriate merit rating plan percentage to the premium developed in step 4. NOTE: A discount of the premiums paid for Parts 4 and 7 will be given to eligible policyholders who provide evidence of purchase of eleven monthly passes or tickets from a qualified public transit system during the policy period. Refer to Rule 19. The discount is applied to the premium developed in step 5.


Rule 19 Page 1 of 7

Effective MARCH 1, 2016 RULE 19. DISCOUNTS A. Multi-Car

A 5% discount shall apply to Parts 1, 2, 4, 5, 7, 8 and 9. A policyholder who owns two or more automobiles and purchases coverage from the same company for at least two such automobiles, shall be entitled to a reduction of the premium applicable to Coverage Parts 1, 2, 4, 5, 7, 8 and 9. At least two of the automobiles must be private passenger vehicles as defined in Rule 27, except that vehicles classified as antiques are not eligible. The premium reduction applies only to private passenger vehicles as defined in Rule 27.

B. Public Transit

A 10% discount shall apply to Property Damage and Collision. A discount of the premiums paid for Part 4 and Part 7 coverages will be given to eligible policyholders who provide evidence of purchase of eleven monthly passes or tickets from a qualifying mass transit system during the automobile policy period.

1. Eligibility

The vehicle must be a private passenger vehicle as defined in Rule 27 and be classified as use class 10, 15, 17, 18, 20, 21, 25 or 26 for a minimum of eleven of twelve months of the policy year. In addition, the vehicle must not be driven to work or school ten days or more per month. A minimum of eight of the eleven monthly passes or tickets may be submitted, provided other evidence of purchase is submitted for the missing passes or tickets. The insurer shall collect all such passes and other evidence used by a policyholder to obtain the discount.

NOTE: If a policyholder purchases a pre-paid non-refundable annual pass and furnishes

proof of such purchase, the discount will be applied to the current policy rather than the expiring policy.

2. Replaced Vehicles

The discount will be computed on the basis of combined earned premium for Parts 4 and

7 provided the replacement vehicle otherwise qualifies for the discount. If the insured changes insurance companies and replaces the vehicle at the same time, the second company will be responsible for the discount provided the policy has been in effect six months or more.


Rule 19 Page 2 of 7

3. Application of Discount

A discount will be applied to Part 4 and 7 premiums for each eligible vehicle. If there is only one eligible operator with more than one vehicle, the discount will be applied to the vehicle with the higher combined premium. If the policy insures only one vehicle, but there are two or more eligible operators, the discount shall be applied only once. If two or more vehicles and operators are eligible for discount, the discount shall first be applied to the vehicle which develops the highest combined premium for Parts 4 and 7, and then in descending order to the vehicle with the lowest combined premium.

This discount is fully earned and returnable directly to the policyholder unless the policyholder directs that the discount be applied as a credit to premium charges for a renewal policy or it is used to offset undisputed outstanding premium due the insurer. The maximum discount per eligible vehicle is $75.

4. Qualifying Massachusetts Transit Systems

The following transit systems have been approved by the Commissioner of Insurance for inclusion in the Public Transit Discount.

Approved As of Approved As of American Eagle Motor Coach, Inc (formerly Medeiros Bus Co. Inc.)

February 1, 1981 Hingham/Boston Commuter Boat Service January 1, 1979

Andre Coachlines, Inc. January 1, 1984 Interstate Coach January 1, 1980 Arrow Line, Inc, The January 1, 1980 Kinson Bus Lines (The Coach Company) January 1, 1985 Bay State Spray & Provincetown February 1, 1981 Lexpress January 1 1982 Berkshire Regional Transit Authority January 1, 1982 Logan Express January 29, 1996 Bloom’s Bus Line December 1, 1980 Lowell Regional Transit Authority January 1, 1980 Bonanza Bus Lines, Inc. September 1, 1983 Massachusetts Bay Transit Authority

(includes The Ride) January 1, 1979

Brockton Area Transit Authority January 1, 1979 Mass Rides February 1, 2004 Brush Hill Transportation Co. October 15, 1992 Merrimack Valley Regional Transit

Authority May 1, 1993

Burlington Transportation Co. (The People Mover/The B Line)

October 15, 1992 Montachusett Regional Transit Authority January 1, 1980

Cape Code Regional Transit Authority May 18, 1992 Peter Pan Bus Lines, Inc. (formerly Priority Express)

August 15, 1988

Carey’s Bus Lines, Inc. November 1, 1996 Pioneer Valley Transit Authority January 1, 1979 Coach Company, the (Kinson Bus Lines) January 1, 1985 Plymouth & Brockton Street Railway Co. January 1, 1980 Connecticut Transit Authority (CTTRANSIT)

September 7, 1993 Rabbit Transit, Inc. January 1, 1982

Dee bus Service January 1, 1982 Trombly Motor Coach Service, Inc. January 1, 1980 Drummond, H.T., Inc. January 1, 1982 Vocell Co., Inc January 1, 1980, Edmar Limousine Service, The January 1, 1979 Worcester Gray Line, Inc. January 1, 1980 Gray Line Framingham Commuter Corp. January 1, 1979 Worcester Regional Transit Authority January 1, 1980 Greater Attleboro-Taunton Regional Transit Authority

January 1, 1980 Yankee Line, Inc., A March 13, 1991

Greenfield Montague Transit Authority January 1, 1985

5. The public transit discount shall be applied to the final premium as previously calculated

and as previously adjusted by the applicable merit rating adjustment, including class 15.


Rule 19 Page 3 of 7

C. Anti-Theft Device

Refer to Anti-Theft Devices Standards and Discounts Rule 54. D. Class 15

Premiums otherwise applicable to class 10 automobiles shall be reduced by 25% for insureds age 65 or older. If the principal operator becomes age 65 during the policy year, the class 10 premium must be adjusted as of that date. The premium adjustment shall be credited to the policyholder on that date unless that date is within sixty days of the expiration date of the policy, in which case the adjustment may be credited to the renewal policy. A notice of this classification change must be sent to the policyholder either prior to or with the proposed adjustment. The policyholder is required to notify the company of any change in operator usage which would affect entitlement to the discount. The discount will be calculated as follows; compute 75% of the class 10 rate for each part and display the exact dollar and cents results for each part. The 25% discount is applied to the final premium for each part after all other discounts and rating factors have been completed. It is the last step in the rating process prior to the application of the merit rating adjustment.

E. Annual Mileage Discount

A discount of the premium paid for Parts 1, 2, 3, 4, 5, 6, 7, 8 and 12 will be given to eligible policyholders on request, when the annual mileage of the vehicle falls into one of two categories:

Annual Mileage Discount 0 – 5,000 10%

5,000 – 7,500 5% The discount will be based on the actual mileage driven in the previous policy year as determined by a comparison of two odometer readings, at least six months apart, from Registry of Motor Vehicle information or the Annual Mileage Discount Form and other standard automobile insurance forms available to the company.

1. Eligibility

The vehicle must be a private passenger vehicle as defined in Rule 27, except that vehicles classified as Antiques are not eligible. The company may request that the applicant for the discount complete the Annual Mileage Discount Form for the verification of eligibility for the discount.


Rule 19 Page 4 of 7

2. Verification

The company may use the odometer readings provided by the applicant on the Annual Mileage Discount Form or other standard forms available to the company, in order to verify the mileage driven in the past year. The company shall compute the annualized difference between the odometer reading at the time of application and the previous odometer reading to determine eligibility. If a vehicle replaces a vehicle which is receiving the discount, the annual mileage of the prior vehicle will be attributed to the replacement vehicle.

The company may use information from the Vehicle Inspection System of the Registry of

Motor Vehicles to verify annual mileage. The difference in the two most recent odometer readings reported by the Registry, if at least six months apart, shall be annualized to determine eligibility for the discount. If the Registry reports only one reading, which is more than six months before the application for the discount, the applicant may provide a current odometer reading on the Annual Mileage Discount Form, and the difference shall be annualized to determine eligibility.

If two odometer readings, at least six months apart, are not available to the company

through the Registry of Motor Vehicles, the Annual Mileage Discount Form or other standard forms, the vehicle is not eligible for the annual mileage discount.


The applicable discount applies to rates otherwise determined for each insured vehicle by coverage, limits purchased, territory, driver class, and model year and symbol prior to the application of merit rating adjustment.

F. Safety Equipment Discounts

1. Passive Restraint Discount

A 25% discount will apply to the premium paid for Parts 2, 3, 6 and 12 will be given to eligible policyholders for qualifying vehicles which contain at least one of the following occupant safety features; an airbag installed for either the driver’s seating position or both front outboard designated seating positions or an automatic seatbelt installed for either the driver’s seating positions or both front outboard designated seating positions.

2. Electronic Stability Control Discount Private passenger autos equipped with a factory installed four-wheel Electronic Stability

Control System (ESC) shall be afforded a 5% discount to be applied to Part 7 – Collision Coverage and Part 8 – Limited Collision Coverage.


Rule 19 Page 5 of 7

3. Adaptive Headlights Discount

A 1% discount for Parts 1, 2, 4, 5 and 7 shall be afforded for those private passenger autos equipped with adaptive headlights.

4. Forward Collision Warning Systems Discount

Private passenger autos equipped with a Forward Collision Warning System shall be afforded the following discounts for Parts 1, 2, 4, 5 and 7. 4% with Autonomous Braking 2% without Autonomous Braking

G. Advanced Driver Training

A 5% discount will be applied to all parts except 10 and 11. 1. The operator has a completion certificate for an advanced driver training course approved

to the Massachusetts registry of motor vehicles. 2. The course must have been completed within 60 months of the policy effective date. 3. The discount only applies to those vehicles where the operator completing the course has

been assigned.

H. Multi-Line Discount

A discount shall apply, in accordance with the table below, if a policyholder also has a homeowners and/or qualifying Amica Life Insurance policy(ies). A qualifying Amica Life Insurance policy is an active individual term life policy, an active individual whole life policy, or an active individual universal life policy within the policyholder’s account that is owned by the named insured or a related household member.

a. Only the largest single discount shall apply regardless of the number of Homeowners

policies in force. b. A qualifying Amica Life Insurance policy may be associated with only one policyholder

in a given household.


Rule 19 Page 6 of 7

c. The discount shall apply to Parts 1, 2, 4, 5, 6, 7, 8, and 9.

No Amica 1 Amica 2+ Amica Life Policies Life Policy Life Policies Auto only 0% 4% 7% Auto & Homeowners 7% 9% 10% (HO 1, 2, 3, 5, 9) Auto & Condo 7% 9% 10% (HO 6) Auto & Tenants (HO 4 and 7% 9% 10% Renters’ Essentials)

I. Good Student

A 10% discount applies to Parts 1, 2, 4, 5, 6, 7, 8, and 9. The applicable Good Student discount applies provided: 1. the owner or operator is Rate Class 17, 18, 20, 21, 25, or 26 and a full time high school,

college or university student,

2. a certified statement from a school official is presented to the Company on each anniversary date of the policy indicating that the student has met one of the following requirements during the immediately preceding school semester: (a) is in the upper 20% of his/her class scholastically, or (b) maintains a “B” average, or its equivalent. If the letter grading system cannot be

averaged then no grade can be below “B.”, (c) when in a school maintaining a numerical grade, must have at least a 3 in a 4, 3, 2, 1

point system or its equivalent, (d) in addition to the prior semester records, allow the Annual GPA as an additional

qualifier of good student status; this may be obtained by averaging GPAs of the (2) preceding semesters,

(e) student is included in a “Dean’s List,” “Honor Roll” or comparable list indicating scholastic achievement.

A change resulting from a change in the scholastic standing of the student cannot be effected between anniversary dates of the policy.


Rule 19 Page 7 of 7

J. Loyalty

Policyholders are eligible for a discount of 3% to 5% on Parts 1 through 9 and 12 if: (1) the insured is not presently insured with Amica but has been consecutively insured with

the same insurer or insurer group for a period of not less than two years and has not been cancelled or non-renewed; or

(2) the insured has been insured with Amica for a period of two years or more.

Years with Years Insured with Amica Prior Carrier 0 – 1 2 3 – 5 6+ 0 – 1 0% 3% 3% 5% 2 3% 3% 3% 5% 3 – 5 3% 3% 3% 5% 6+ 5% 5% 5% 5%


Rule 26 Page 1 of 3

Effective MARCH 1, 2016 RULE 26. ADDITIONAL RATING FACTORS A. DRIVING EXPERIENCE FACTOR

The premium for each coverage is determined by applying the Driving Experience factor from the table below to Parts 1, 2, 4, 5, 6, 7, 8, and 9.

Coverage Part Years Licensed Range Description 1, 2, 4, 7 5, 6, 8, 9

1 0-2 1.000 1.000 2 3-5 1.000 1.000 3 6-9 1.050 1.040 4 10-19 1.000 1.000 5 20-49 0.950 0.950 6 50-59 1.000 1.000 7 60+ 1.050 1.040 8 No valid US or Canadian

license 1.095 1.040

(1) If Optional BI Limit is 20/40, apply a factor of 1.000 to Parts 1 and 5

(2) If No PIP deductible, apply a factor of 1.000 to Part 2

(3) If PD limit is $5,000, apply a factor of 1.000 to Part 4

If the operator has been insured in the Commonwealth of Massachusetts during the 12 months preceding the application of coverage, or if evidence of prior licensure is available, years licensed will be determined by the number of full years the operator has held a valid driver’s license at the time the policy is issued. The number of years licensed will be determined based on the operator’s date first licensed and the policy effective date, truncated to the nearest full year of driving experience. If the date first licensed is not provided by the insured, the years licensed factor will be assigned based on the earliest possible date the driver’s license could be obtained in Massachusetts. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of prior licensure is available, the operator will be assigned a year’s licensed factor equal to zero(0). The Massachusetts driving experience will be used thereafter to assign the years.


Rule 26 Page 2 of 3

B. LIMIT/VEHICLES FACTOR

Determine if the vehicle qualifies for a multi-car discount. Determine the Prior Each Person Bodily Injury Liability Limit for the policy. The premium for each coverage is determined by applying the Prior Limit/Vehicles factor for the appropriate Each Person Prior Bodily Injury Liability Limit and single/multi-car status from the tables below to Parts 1, 2, 3, 4, 5, 6, 7, 9, and 12. For vehicles without Part 5 Optional BI, a factor of 1.00 should be used for Parts 1, 2, 3, 4, 5, 6, 7, 9 and 12.

Vehicles Not Qualifying For the Multi-Car Discount

PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI <=20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 1.00 1.00 1.00 >=100 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00

Vehicles Qualifying For the Multi-Car Discount

PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI 20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 0.95 0.95 1.00 >=100 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95

The Prior Bodily Injury limit is determined at the time of application for New Business or in preparation of renewal for renewal business. The Bodily Injury Per Person limit is the limit from the prior carrier for New Business and the limit from the expiring policy for Renewal business. For servicemen with a gap in coverage due to active military duty, the prior limit and coverage refer to that which was in force prior to that duty. For prior policies with Part 1 coverage but not Part 5 coverage, the Prior BI limit is assumed to be 20/40.


Rule 26 Page 3 of 3

C. Household Assessment Level Factors*

A Household Assessment Profile (HAP) is calculated at New Business or in preparation of Renewal. The HAP considers the following attributes in determining the Household Assessment Level, or HAL. 1. The number of late payments in the last three years. 2. The number of cancellation notices in the last three years. 3. Years the account has been in-force with Amica. 4. Years of tenure with the prior carrier. 5. Prior Bodily Injury Accident Limit. 6. Number of Homeowners policies in force. 7. Number of Umbrella and Ocean Marine policies in force. 8. Vehicle Density Group. 9. Maximum Years Licensed. 10. Minimum Years Licensed. 11. Minimum Vehicle Age. 12. Number of Vehicles. The Household Assessment Level deterioration is limited to one (1) HAL on renewal. There is no limitation on HAL improvement. The HAP is not recalculated midterm.

HAL HAP Score

Range

Part 1

Part 2

Part 3

Part 4

Part 5

Part 6

Part 7**

Part 8

Part 9

Part 10

Part 11

Part 12

1 <= 1.019 0.80 0.85 0.90 0.85 0.80 0.90 0.89 0.89 0.84 0.84 0.84 0.90

2 1.020 - 1.183 0.83 0.87 0.92 0.87 0.83 0.93 0.90 0.90 0.87 0.87 0.87 0.92

3 1.184 - 1.323 0.86 0.89 0.94 0.89 0.86 0.95 0.91 0.91 0.90 0.90 0.90 0.94

4 1.324 - 1.519 0.90 0.91 0.96 0.91 0.90 0.98 0.91 0.91 0.90 0.90 0.90 0.96

5 1.520 - 1.692 1.00 1.00 0.98 0.98 1.00 1.00 0.97 0.97 1.00 1.00 1.00 0.98

6 1.693 - 1.907 1.10 1.00 1.00 1.00 1.10 1.00 1.00 1.00 1.00 1.00 1.00 1.00

7 1.908 - 2.174 1.20 1.02 1.05 1.07 1.20 1.00 1.10 1.10 1.00 1.00 1.00 1.05

8 2.175 - 2.544 1.20 1.02 1.25 1.20 1.20 1.00 1.15 1.15 1.10 1.10 1.10 1.25

9 2.545 - 3.311 1.20 1.30 1.30 1.30 1.20 1.30 1.20 1.20 1.10 1.10 1.10 1.30

10 >=3.312 1.32 1.30 1.30 1.30 1.32 1.30 1.30 1.30 1.25 1.25 1.25 1.30

*These factors do not apply to motorcycles or other miscellaneous types. ** The Part 7 factors are also applicable to the Collision Deductible Waiver.

PERSONAL VEHICLE MANUAL MASSACHUSETTS EXCEPTION PAGE

Effective MARCH 1, 2016

ELECTRONIC DELIVERY, BILLING AND PREMIUM PAYMENT OPTIONS A. All Electronic Delivery

A policyholder that elects electronic policy delivery along with electronic billing is eligible for the discount. A discount of 2% will apply to all policy premiums.

B. Billing

The total premium is to be billed and paid in installments as follows:

1. Individual policy premiums are consolidated and billed on an account statement. 2. An installment fee will start at $3.00 and once the unpaid premium balance on a billing statement falls below a

certain amount, the fee will be reduced to $1.00 and then to $0.00. The following table provides the details.

Unpaid Balance Service Charge $240.00 or more $3.00

$239.99 to $80.00 $1.00 $79.99 or less $0.00

3. The fee is not considered part of the policy premium. The fee does not apply to pre-paid installments. 4. A separate statement is produced for any policy subject to cancellation for nonpayment. No service charge is

made for this statement. 5. At anytime during the installment period, the policyholder may pay the outstanding balance due.

C. Premium Payment Options

1. Payment in Full

a. The total premium is due and payable on the effective date of the policy.

b. Payment Plan Discount

A discount of 4% will apply if the policyholder pays the entire premium in full. The full payment must be made prior to the due date of the first bill. The discount will apply to Parts 1-12 and the Waiver of Collision Deductible option. Finance company payments do not qualify for the discount.

2. Ten Payment Plan

a. The down payment equal to 10% of the premium is required. b. The balance of the premium is paid in up to nine installments. c. For any new business applicant who does not have an existing Automobile insurance contract in force, a

down payment of 20% is required and the balance of the premium is paid in up to eight monthly installments.

E-4

3. Monthly Payment Plan

a. A deposit equal to 1/12 (8.33%) of the premium is required. b. The balance of the premium is paid in up to twelve installments. c. For any new business applicant who does not have an existing Automobile insurance contract in force, a

down payment of 1/6 (16.67%) is required and the balance of the premium is paid in up to eleven monthly installments.

4. Quarterly Payment Plan

a. 25% of the premium is required as down payment. b. The balance of the premium is paid in up to three additional installments.

5. Payroll Deduction

20 Installments – an installment will be deducted every other week up to ten months.

6. Pension Deduction

a. 10 Installments – an installment will be deducted once a month up to ten months. b. 12 Installments – an installment will be deducted once a month up to twelve months.

D. AutoPay 1. Policy premiums are automatically deducted from the policyholder’s designated bank account or credit card. 2. No fee is made for policies paid using AutoPay. 3. Policyholders may discontinue participation in AutoPay at any time by giving AMICA and/or the bank or credit

card company notification. 4. Once terminated, any outstanding policy premium will be billed under the installment payment plan available at

that time. 5. AutoPay Discount

A discount of 2% will apply to all policy premiums for policyholders enrolled in an Automatic Payment Plan, including payroll or pension deduction plans.

E. Additional Charge

A $25.00 return item fee will be charged on items that are returned by the bank as unpaid.

E-5

T-1

RATING TERRITORIES SECTION

TERRITORY DEFINITIONS

Except for East Boston and South Boston, sections of cities and towns designated “North,” “East,” “South,” and “West” or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation). In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in which case both are listed. Counties are indicated by the Statistical Code Numbers as follows: Left Hand Digit County Left Hand Digit County

Barnstable

4 ........................................

Franklin

0 ........................................ Dukes Hampden Nantucket 5 ........................................ Hampshire Plymouth 6 ........................................ Middlesex 1 ........................................ Berkshire 7 ........................................ Norfolk 2 ........................................ Bristol 8 ........................................ Suffolk 3 ........................................ Essex 9 ........................................ Worcester

T-2

CITY OF BOSTON

Definition

Rating Territory

Statistical Code

BOSTON CENTRAL - (Zip Codes 02108-02111, 02113-02116, 02118, 02133, 02199, 02203, 02210, 02215, 02222)

23

821 BRIGHTON - (Zip Codes 02134, 02135, 02163)

24

822

CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129)

26

824 DORCHESTER - (North Dorchester and South Dorchester) - (Zip Codes 02122, 02124, 02125, 02126)

21

819 EAST BOSTON - CHARLESTOWN - (Zip Codes 02128, 02129)

26

824 HYDE PARK - (Zip Code 02136)

20

818

JAMAICA PLAIN - (Zip Code 02130)

19

817

ROSLINDALE - (Zip Code 02131)

18

816

ROXBURY - (Including parts of Dorchester) (Zip Codes 02119, 02120, 02121)

22

820

SOUTH BOSTON - (Zip Code 02127)

25

823

WEST ROXBURY (Zip Code 02132)

17

815

The following list contains subdivisions of Boston with territorial schedules and statistical codes: Name Rating Territory Statistical Code Allston - (Brighton)

24

822

Mattapan - (Dorchester - North) 21 819 Readville - (Hyde Park) 20 818

The following list contains Out of State Territorial Schedules and Statistical Codes Rating StatisticalLocation Territory CodeConnecticut 9 991 Maine 9 992 New Hampshire 9 993 New York 9 994 Rhode Island 9 995 Vermont 9 996 Other 9 999

T-3

RATING TERRITORIES

City or Town Rating

Territory Statistical

Code A

ABINGTON .................................. 8 010 ACTON ........................................ 27 630 ACUSHNET ................................. 7 230 ADAMS ........................................ 27 110 AGAWAM ..................................... 7 420 ALFORD ...................................... 27 170 AMESBURY ................................. 2 310 AMHERST ................................... 5 510 ANDOVER ................................... 3 311 ARLINGTON ................................ 4 610 ASHBURNHAM ........................... 1 930 ASHBY ......................................... 1 670 ASHFIELD ................................... 27 470 ASHLAND .................................... 5 631 ATHOL ......................................... 3 910 ATTLEBORO ............................... 5 210 AUBURN ...................................... 6 931 AVON ........................................... 11 730 AYER ........................................... 3 632

B BARNSTABLE ............................. 5 021 BARRE ......................................... 2 932 BECKET ....................................... 2 171 BEDFORD ................................... 2 633 BELCHERTOWN ......................... 3 530 BELLINGHAM .............................. 3 731 BELMONT .................................... 3 611 BERKLEY .................................... 6 231 BERLIN ........................................ 27 933 BERNARDSTON ......................... 27 471 BEVERLY .................................... 5 312 BILLERICA ................................... 5 634 BLACKSTONE ............................. 2 934 BLANDFORD ............................... 3 490 BOLTON ...................................... 1 970 BOSTON CENTRAL - (Zip Codes 02108- 02111, 02113-02116, 02118, 02133, 02199, 02203, 02210, 02215, 02222) .............

23

821 BOURNE ...................................... 4 050 BOXBOROUGH ........................... 27 671 BOXFORD ................................... 3 370 BOYLSTON ................................. 2 971 BRAINTREE ................................ 8 710 BREWSTER ................................. 27 080 BRIDGEWATER .......................... 6 011 BRIGHTON - Boston (Zip Codes 02134, 02135, 02163) .............

24

822

BRIMFIELD .................................. 3 491 BROCKTON ................................. 45 002 BROOKFIELD .............................. 3 935 BROOKLINE ................................ 8 702 BUCKLAND ................................. 27 430 BURLINGTON ............................. 4 635

C CAMBRIDGE ............................... 11 600 CANTON ...................................... 8 711 CARLISLE .................................... 27 672 CARVER ...................................... 7 030 CHARLEMONT ............................ 27 472

City or Town

Rating Territory

Statistical Code

CHARLESTOWN - Boston (Zip Codes 02128, 02129) ..............

26

824

CHARLTON .................................. 4 936 CHATHAM .................................... 27 051 CHELMSFORD ............................ 2 612 CHELSEA ..................................... 16 802 CHESHIRE ................................... 27 130 CHESTER .................................... 1 440 CHESTERFIELD .......................... 27 570 CHICOPEE ................................... 9 402 CHILMARK ................................... 27 081 CLARKSBURG ............................. 27 131 CLINTON ...................................... 6 911 COHASSET .................................. 4 732 COLRAIN ...................................... 1 431 CONCORD ................................... 27 613 CONWAY ..................................... 27 473 CUMMINGTON ............................ 27 571

D DALTON ....................................... 27 132 DANVERS .................................... 5 313 DARTMOUTH ............................... 7 211 DEDHAM ...................................... 8 712 DEERFIELD ................................. 27 432 DENNIS ........................................ 3 052 DIGHTON ..................................... 5 232 DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) .....................................

21

819 DOUGLAS .................................... 2 937 DOVER ......................................... 2 733 DRACUT ....................................... 6 614 DUDLEY ....................................... 3 938 DUNSTABLE ................................ 1 673 DUXBURY .................................... 3 031

E EAST BOSTON - Boston (Zip Codes 02128, 02129) ..............

26

824

EAST BRIDGEWATER ................ 6 032 EAST BROOKFIELD .................... 2 973 EASTHAM .................................... 27 082 EASTHAMPTON .......................... 3 511 EAST LONGMEADOW ................ 6 441 EASTON ....................................... 7 212 EDGARTOWN .............................. 27 053 EGREMONT ................................. 27 172 ERVING ........................................ 27 433 ESSEX .......................................... 2 330 EVERETT ..................................... 14 602

F FAIRHAVEN ................................. 7 213 FALL RIVER ................................. 13 201 FALMOUTH .................................. 3 054 FITCHBURG ................................. 7 902 FLORIDA ...................................... 2 173 FOXBOROUGH ............................ 3 734 FRAMINGHAM ............................. 9 615 FRANKLIN .................................... 1 713 FREETOWN ................................. 5 233

T-4

City or Town

Rating Territory

Statistical Code

G

GARDNER ................................... 3 912 GAY HEAD .................................. 27 083 GEORGETOWN .......................... 3 331 GILL ............................................. 27 474 GLOUCESTER ............................ 5 314 GOSHEN ..................................... 27 573 GOSNOLD ................................... 27 084 GRAFTON ................................... 3 913 GRANBY ...................................... 4 574 GRANVILLE ................................. 2 492 GREAT BARRINGTON ................ 1 111 GREENFIELD .............................. 3 410 GROTON ..................................... 27 636 GROVELAND .............................. 3 332

H HADLEY ....................................... 27 531 HALIFAX ...................................... 5 070 HAMILTON .................................. 1 333 HAMPDEN ................................... 5 493 HANCOCK ................................... 27 174 HANOVER ................................... 4 033 HANSON ...................................... 5 034 HARDWICK ................................. 27 939 HARVARD ................................... 27 974 HARWICH .................................... 1 055 HATFIELD .................................... 27 532 HAVERHILL ................................. 8 302 HAWLEY ...................................... 27 475 HEATH ......................................... 2 476 HINGHAM .................................... 4 012 HINSDALE ................................... 2 133 HOLBROOK ................................. 11 735 HOLDEN ...................................... 3 940 HOLLAND .................................... 1 494 HOLLISTON ................................. 2 637 HOLYOKE .................................... 40 403 HOPEDALE ................................. 2 941 HOPKINTON ................................ 27 638 HUBBARDSTON ......................... 1 942 HUDSON ..................................... 3 616 HULL ............................................ 9 035 HUNTINGTON ............................. 2 533 HYDE PARK - Boston (Zip Code 02136) .....................................

20

818

I IPSWICH ...................................... 2 315

J JAMAICA PLAIN - Boston (Zip Code 02130) ...........................

19

817

K KINGSTON .................................. 4 036

L LAKEVILLE .................................. 5 037 LANCASTER ............................... 2 943 LANESBOROUGH ....................... 1 134 LAWRENCE ................................. 44 303 LEE .............................................. 27 135 LEICESTER ................................. 7 944 LENOX ......................................... 27 136 LEOMINSTER .............................. 5 914 LEVERETT .................................. 1 477 LEXINGTON ................................ 2 617 LEYDEN ....................................... 1 478

City or Town

Rating Territory

Statistical Code

LINCOLN ...................................... 1 639 LITTLETON .................................. 27 640 LONGMEADOW ........................... 4 442 LOWELL ....................................... 41 601 LUDLOW ...................................... 7 421 LUNENBURG ............................... 1 945 LYNN ............................................ 43 300 LYNNFIELD .................................. 7 334

M MALDEN ....................................... 14 603 MANCHESTER ............................ 27 335 MANSFIELD ................................. 3 214 MARBLEHEAD ............................. 4 316 MARION ....................................... 3 038 MARLBOROUGH ......................... 5 618 MARSHFIELD .............................. 7 039 MASHPEE .................................... 5 085 MATTAPOISETT .......................... 3 040 MAYNARD .................................... 27 620 MEDFIELD ................................... 27 736 MEDFORD ................................... 12 604 MEDWAY ..................................... 27 737 MELROSE .................................... 6 619 MENDON ...................................... 27 946 MERRIMAC .................................. 3 336 METHUEN .................................... 10 317 MIDDLEBOROUGH ..................... 6 013 MIDDLEFIELD .............................. 1 576 MIDDLETON ................................ 6 337 MILFORD ..................................... 5 915 MILLBURY .................................... 4 916 MILLIS .......................................... 27 738 MILLVILLE .................................... 1 947 MILTON ........................................ 11 714 MONROE ..................................... 1 479 MONSON ..................................... 3 422 MONTAGUE ................................. 27 411 MONTEREY ................................. 27 175 MONTGOMERY ........................... 27 495 MOUNT WASHINGTON ............... 27 176

N NAHANT ....................................... 8 338 NANTUCKET ................................ 27 056 NATICK ........................................ 3 621 NEEDHAM .................................... 2 715 NEW ASHFORD ........................... 1 177 NEW BEDFORD ........................... 13 200 NEW BRAINTREE ........................ 27 975 NEWBURY ................................... 1 339 NEWBURYPORT ......................... 1 318 NEW MARLBOROUGH ................ 27 178 NEW SALEM ................................ 27 480 NEWTON ...................................... 6 605 NORFOLK .................................... 1 739 NORTH ADAMS ........................... 2 112 NORTHAMPTON ......................... 3 512 NORTH ANDOVER ...................... 5 319 NORTH ATTLEBORO .................. 3 215 NORTHBOROUGH ...................... 27 949 NORTH BROOKFIELD................. 3 948 NORTHBRIDGE ........................... 3 917 NORTH DORCHESTER - Boston (Zip Codes 02122, 02124, 02125, 02126) .........................

21

819

T-5

City or Town

Rating Territory

Statistical Code

NORTHFIELD .............................. 27 434 NORTH READING ....................... 5 641 NORTON ..................................... 5 234 NORWELL ................................... 3 041 NORWOOD ................................. 7 716

O OAK BLUFFS ............................... 27 057 OAKHAM ..................................... 1 976 ORANGE ..................................... 2 412 ORLEANS .................................... 27 058 OTIS ............................................. 27 179 OXFORD ...................................... 5 950

P PALMER ...................................... 4 423 PAXTON ...................................... 5 977 PEABODY .................................... 10 320 PELHAM ...................................... 27 577 PEMBROKE ................................. 6 042 PEPPERELL ................................ 27 642 PERU ........................................... 1 180 PETERSHAM ............................... 27 978 PHILLIPSTON .............................. 1 979 PITTSFIELD ................................. 4 102 PLAINFIELD ................................ 27 578 PLAINVILLE ................................. 4 740 PLYMOUTH ................................. 7 014 PLYMPTON ................................. 6 071 PRINCETON ................................ 27 980 PROVINCETOWN ....................... 27 059

Q QUINCY ....................................... 12 703

R RANDOLPH ................................. 14 717 RAYNHAM ................................... 6 235 READING ..................................... 3 622 REHOBOTH ................................. 4 236 REVERE ...................................... 15 803 RICHMOND ................................. 27 181 ROCHESTER .............................. 3 043 ROCKLAND ................................. 9 015 ROCKPORT ................................. 2 340 ROSLINDALE - Boston (Zip Code 02131) .....................................

18

816

ROWE .......................................... 27 481 ROWLEY ..................................... 3 341 ROXBURY - Boston (Zip Codes 02119, 02120, 02121) .............

22

820

ROYALSTON ............................... 1 981 RUSSELL ..................................... 3 443 RUTLAND .................................... 3 951

S SALEM ......................................... 12 304 SALISBURY ................................. 5 342 SANDISFIELD ............................. 27 182 SANDWICH ................................. 3 060 SAUGUS ...................................... 12 321 SAVOY ......................................... 27 183 SCITUATE ................................... 6 044 SEEKONK .................................... 4 237 SHARON ...................................... 6 741 SHEFFIELD ................................. 27 137 SHELBURNE ............................... 1 435 SHERBORN ................................. 1 674 SHIRLEY ...................................... 2 643

City or Town

Rating Territory

Statistical Code

SHREWSBURY ............................ 5 918 SHUTESBURY ............................. 2 482 SOMERSET ................................. 6 238 SOMERVILLE ............................... 12 606 SOUTHAMPTON .......................... 1 580 SOUTHBOROUGH ...................... 27 952 SOUTH BOSTON - Boston (Zip Code 02127) ............................

25

823

SOUTHBRIDGE ........................... 6 919 SOUTH HADLEY .......................... 4 513 SOUTHWICK ................................ 4 444 SPENCER .................................... 6 920 SPRINGFIELD .............................. 42 400 STERLING .................................... 27 953 STOCKBRIDGE ........................... 1 138 STONEHAM ................................. 8 623 STOUGHTON ............................... 12 718 STOW ........................................... 27 644 STURBRIDGE .............................. 1 954 SUDBURY .................................... 27 645 SUNDERLAND ............................. 3 436 SUTTON ....................................... 27 955 SWAMPSCOTT ............................ 9 322 SWANSEA .................................... 5 239

T TAUNTON .................................... 9 202 TEMPLETON ................................ 27 956 TEWKSBURY ............................... 5 646 TISBURY ...................................... 27 061 TOLLAND ..................................... 1 496 TOPSFIELD .................................. 4 371 TOWNSEND ................................. 27 647 TRURO ......................................... 1 086 TYNGSBOROUGH ....................... 3 648 TYRINGHAM ................................ 27 184

U UPTON ......................................... 27 957 UXBRIDGE ................................... 27 921

W WAKEFIELD ................................. 6 624 WALES ......................................... 2 497 WALPOLE .................................... 4 719 WALTHAM .................................... 7 607 WARE ........................................... 3 514 WAREHAM ................................... 8 016 WARREN ...................................... 3 958 WARWICK .................................... 27 483 WASHINGTON ............................. 27 185 WATERTOWN .............................. 7 608 WAYLAND .................................... 2 649 WEBSTER .................................... 7 922 WELLESLEY ................................ 1 720 WELLFLEET ................................. 27 087 WENDELL .................................... 27 484 WENHAM ..................................... 2 343 WESTBOROUGH ......................... 2 923 WEST BOYLSTON ....................... 2 959 WEST BRIDGEWATER ............... 8 045 WEST BROOKFIELD ................... 27 960 WESTFIELD ................................. 6 424 WESTFORD ................................. 27 650 WESTHAMPTON ......................... 27 581 WESTMINSTER ........................... 1 961 WEST NEWBURY ........................ 27 344

T-6

City or Town

Rating Territory

Statistical Code

WESTON ..................................... 3 651 WESTPORT ................................. 5 240 WEST ROXBURY - Boston (Zip Code 02132)

17

815

WEST SPRINGFIELD .................. 10 425 WEST STOCKBRIDGE ............... 1 139 WEST TISBURY .......................... 27 088 WESTWOOD ............................... 4 742 WEYMOUTH ................................ 9 721 WHATELY .................................... 27 437 WHITMAN .................................... 8 017 WILBRAHAM ............................... 5 445 WILLIAMSBURG ......................... 27 534 WILLIAMSTOWN ......................... 27 140 WILMINGTON .............................. 4 652 WINCHENDON ............................ 3 924 WINCHESTER ............................. 3 625 WINDSOR .................................... 1 186 WINTHROP ................................. 13 810 WOBURN ..................................... 7 626 WORCESTER .............................. 13 900 WORTHINGTON ......................... 1 582 WRENTHAM ................................ 2 743

Y YARMOUTH ................................ 4 062

INDEX

A

Rule/ Page

Number Additional Rating Factors ……………………… Agreed Amount Comprehensive ......................

26 45

Annual Mileage Discount .................................. 19 Antique Motor Cars and Motorcycles ............... 40 Anti-Theft Device Standards and Discounts ..... 54 Approved Motorcycle Training Sites ................. 22 Auto Homes - See Motor Homes (Self-propelled) ........................................... Auto Loan Lease ……………………………….

39 35

B Base Premium .................................................. 28 Bodily Injury to Others ...................................... 2 Business Use ................................................... 28

C Camper Bodies ................................................ 39 Cancellations .................................................... 18 Cellular Telephones ......................................... 54 Certificates ....................................................... 10 Certified Risks Financial Responsibility Laws .. Changes …………………………………………

10 8

Class 15 Discount ............................................ 19 Classification Changes ..................................... 28 Classifications - Private Passenger .................. 28 Comprehensive ................................................ 2 Compulsory Insurance Coverage ..................... 2 Coverages and Limits ....................................... 2 Compulsory Insurance Coverages ............. 2 Optional Insurance Coverages ................... 2 Customized Vans and Pickups ......................... 47

D Damage to Someone Else’s Property - Property Damage .......................................

2

Deductible Insurance: Parts 7, 8 and 9 ..........................................

16

Personal Injury Protection .......................... 30 Definition - Private Passenger Automobiles ..... 27 Deposit Premium Rule ..................................... 14 Discounts - Motorcycles ................................... 44 Discounts Private Passenger Automobiles ....... 19 Driver Training .................................................. Driving Experience Factors …………………….

28 26

E Eligibility ........................................................... 1 Employers Subject to Mass. Workers’ Compensation Act ......................................

15

Endorsement Index .......................................... B-1 Excess Electronic Equipment Coverage .......... 46 Excluded Operator ........................................... 28 Experienced Operator ...................................... 28 Extra-Risk Rating (Collision & Comprehensive) ......................

24

F Financial Responsibility Laws – Certified Risks.. 10 Fire, Theft and Comprehensive Coverage 21

G Rule/Page

Number Garaging, Place of ........................................... 6 Glass Deductible .............................................. 2 Golfmobiles and Lawnmowers (motorized)……… 42 Good Driving Rewards E-2

H High-Theft Vehicles .......................................... 23 High-Theft Vehicle Listings .............................. Pg 1 of 6

I Identity Fraud Protection E-3 Implicit Surcharge Exclusion Factors ............... 8 Increased Limits Tables ................................... 7 Inexperienced Operators ................................. 28 Installment Payment of Premiums ................... 13 Insurance Certificates ...................................... 9 Insureds 65 and Older - Discount .................... 19

L Leased Vehicles Under Long Term Contract ... 18 Limits ............................................................... Limit/Vehicles Factor

2 26

M Mandatory Offer of Coverage ........................... 3 Massachusetts Automobile Insurance Policy - Eligibility ........................................

1

Massachusetts Vehicles Garaged Out of State.. 6 Medical Payments Insurance ........................... 2 Merit Rating Plan 56 Minimum Premiums ......................................... 8 Model Year Rating ........................................... 20 Motorcycles - Motorscooters, Mopeds ............. 44 Motorcycles - Rating ........................................ 22-28 Motor Homes (Self-propelled) .......................... 39 Motor Vehicle Registration Certificate .............. 9 Multi-Car Discount ........................................... 19

N Named Non-Owner Policy................................ 49 New Business .................................................. 4 Non-Owned Automobiles ................................. 49 Non-Renewal ................................................... 4 Non-Symbolled Vehicles .................................. 22

O Original Equipment Manufacturers Parts Coverage ................................................

48

Out of State Codes .......................................... T-2 Out of State Garaging ...................................... 6

P Passive Restraint Discount .............................. 19

Personal Injury Protection Deductible Form ..... 30 Pick-ups, Vans, and Similar Type Vehicles ...... 32 Plates Returned Receipt .................................. 18 Policy Period .................................................... 7 Platinum Package Discount E-3

P Rule/ Page

Number Pre-Insurance Inspection Program………. 55

Prestige Rental Coverage Rates …………… Private Passenger Definition ………………... Private Passenger Classifications…………

7 27 28

Property Damage – Damage to Someone Else’s Property…………………………………

2

Pro-Rata Table ................................................. 18 Instructions for Use 18 Public Transit Discount .................................... 19

Q Qualifying Massachusetts Transit Systems 19

R Rates ................................................................ 1-21 Registry of Motor Vehicles Procedures ............ 58 Reinstatement .................................................. 18 Renewals ......................................................... 4 Residence and Location ................................... 5

S Sale or Transfer of Motor Vehicle ..................... 18 Satisfactory Driver Training Program ............... 28 Short Term Policies - Recreational Vehicles ................................

7

Snowmobiles 43 Standard Procedures ....................................... 4 Stated Amount Coverage ................................. 41 Substitute Transportation ................................. 17 Surrender of Registration Plates ...................... 18 Symbol - Value Table ....................................... 22 Symbols Not Shown on Rate Pages ................ 22

T

Rule/ Page

Number Termination of Insurance ................................. 18 Territory Definitions ......................................... T-1 Towing and Labor Cost ................................... 33 Trailers Designed for Use With Private Passenger Motor Vehicles .........................

34

Transportation of Fellow Employees 31 U

Underinsured Motorists - B.I. Caused by Underinsured Auto .....................................

2

Uninsured Motorists - B.I. Caused by Uninsured Auto ..........................................

2

Use of Other Automobiles ............................... 50 V

Value - Symbol Tables .................................... 22 Vehicles Not Subject to Compulsory Law ........ 2 Vehicles Owned by Employers Subject to Mass. Workers’ Compensation Act ............

15

W Waiver of Deductible ....................................... 2 Whole Dollar Premium Rule ............................ 12 Workers’ Compensation Act, Vehicles Owned by Employers Subject Thereto ......

15

TABLE OF CONTENTS

Page

SECTION I - GENERAL RULES Rule No. 1 Automobile Insurance Policy – Eligibility……………………………………Rule 1 Page 1 of 1 2 Coverages and Limit…………………………………………………………Rule 2 Page 1 of 2 3 Mandatory Offer of Coverage……………………………………………..Rule 3 Page 1 of 1 4 Standard Procedures……………………………………………………….Rule 4 Page 1 of 3 5 Residence and Location……………………………………………………Rule 5 Page 1 of 1 6 Out-of-State Garaging………………………………………………………Rule 6 Page 1 of 1 7 Policy Period………………………………………………………………..Rule 7 Page 1 of 1 8 Changes……………………………………………………………………..Rule 8 Page 1 of 1 9 Motor Vehicle Registration Certificates……………………………………Rule 9 Page 1 of 1 10 Certified Risks - Financial Responsibility Laws………………………….Rule 10 Page 1 of 2 11 Premium Calculation Rule………………………………………………….Rule 11 Page 1 of 1 12 Whole Dollar Premium Rule………………………………………………Rule 12 Page 1 of 1 13 Installment Payment of Premiums………………………………………Rule 13 Page 1 of 1 14 Deposit Premium Rule……………………………………………………Rule 14 Page 1 of 1 15 Employers Subject to Massachusetts Workers Compensation Act…….Rule 15 Page 1 of 1 16 Deductibles - Parts 7, 8 and 9……………………………………………..Rule 16 Page 1 of 1 17 Substitute Transportation………………………………………………….Rule 17 Page 1 of 1 18 Termination of Insurance………………………………………………….Rule 18 Page 1 of 5 19 Discounts…………………………………………………………………….Rule 19 Page 1 of 7 20 Model Year Rating…………………………………………………………Rule 20 Page 1 of 1 21 Fire, Theft and Combined Additional Coverage ………………………..Rule 21 Page 1 of 1

22 Non-Symbolled Vehicles and Rating Vehicles for which Symbols are not shown on the Rate Pages………………………………Rule 22 Page 1 of 2

23 High-Theft Vehicles……………………………………………………….Rule 23 Page 1 of 1 24 Extra-Risk Rating (Collision and Comprehensive)……………………..Rule 24 Page 1 of 2 25 Vehicle Series Rating……………………………………………………..Rule 25 Page 1 of 1 26 Additional Rating Factors…………………………………………………Rule 26 Page 1 of 3

SECTION II - PRIVATE PASSENGER AUTOMOBILES Rule No. 27 Private Passenger Definition………………………………………………Rule 27 Page 1 of 1 28 Private Passenger Classifications………………………………………..Rule 28 Page 1 of 4 29 Reserved For Future Use………………………………………………….Rule 29 Page 1 of 1 30 Personal Injury Protection - Deductible Form ………………………….Rule 30 Page 1 of 1 31 Transportation of Fellow Employees…………………………………….Rule 31 Page 1 of 1

SECTION II - PRIVATE PASSENGER AUTOMOBILES (cont.) Rule No. Page 32 Pick-Ups, Vans, and Similar Type Vehicles………………………………Rule 32 Page 1 of 1 33 Towing and Labor Cost……………………………………………………Rule 33 Page 1 of 1 34 Trailers Designed for Use With Private Passenger Motor Vehicles……Rule 34 Page 1 of 1 35 Auto Loan/Lease Coverage……………………………………………… Rule 35 Page 1 of 1 36-38 Reserved for Future Use…………………………………………Rules 36-38 Page 1 of 1

SECTION III - MISCELLANEOUS MOTOR VEHICLES AND COVERAGES Rule No. 39 Motor Homes/Camper Bodies…………………………………………..Rule 39 Page 1 of 2 40 Antique Motor Cars and Motorcycles…………………………………..Rule 40 Page 1 of 1 41 Stated Amount Coverage………………………………………………..Rule 41 Page 1 of 2 42 Golfmobiles And Lawnmowers (Motorized)……………………………Rule 42 Page 1 of 1 43 Snowmobiles……………………………………………………………..Rule 43 Page 1 of 1 44 Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles……Rule 44 Page 1 of 2 45 Agreed Amount Coverage – Comprehensive…………………………Rule 45 Page 1 of 1 46 Excess Electronic Equipment Coverage………………………………Rule 46 Page 1 of 1 47 Customized Vans and Pickups…………………………………………Rule 47 Page 1 of 1 48 Original Equipment Manufacturer Parts Coverage……………………Rule 48 Page 1 of 1

SECTION IV - NON-OWNED AUTOMOBILES Rule No. 49 Named Non-Owner Policy……………………………………………….Rule 49 Page 1 of 1 50 Use of Other Automobiles......................................................................Rule 50 Page 1 of 2 51-53 Reserved for Future Use………………………………………….Rules 51-53 Page 1 of 1

SECTION V - SUPPLEMENTAL INFORMATION Rule No. 54 Anti-Theft Device Standards and Discounts……………………………Rule 54 Page 1 of 9 55 Pre-Insurance Inspection Program………………………………………..Rule 55 Page 1 of 3 56 Merit Rating Plan……………………………………………………………Rule 56 Page 1 of 3 57 Reserved for Future Use……………………………………………………Rule 57 Page 1 of 1 58 Registry of Motor Vehicles Procedures……………………………………Rule 58 Page 1 of 1

ADDITIONAL RULES

Electronic Delivery, Billing and Premium Payment Options…………………………E-4 – E-5 Good Driving Rewards Program………………………………………………………….E-1 Platinum Package Discount……………………………………………………………….E-3 Identify Fraud Protection…………………………………………………………………..E-3

ADDITIONAL ITEMS

Private Passenger Endorsement Index ...................................................................... B-1 Private Passenger Forms ......................................................................................... .. B-2 Personal Auto Forms Index ........................................................................................ B-3

RATING TERRITORIES SECTION Rating Territories .............................................................................................. T-1 - T-6

RATES AND RATING FACTORS Memorandum .............................................................................................................. 20 Private Passenger Rates ………………………………………………………………1 - 21 Motorcycle Rate........................................................................................................22 - 27 Approved Motorcycle Training Sites ......................................................................... 28

SYMBOL AND IDENTIFICATION SECTION VIN Description .......................................................................... VIN-2007.01 - VIN-2007.27 High Theft Vehicle Section ............................................................................ Page 1 of 7

MA 00 03 08 15 Page 1 of 7

MASSACHUSETTS HIGH-THEFT VEHICLE LIST

MA 00 03 08 15Effective 08/15

Make/Model/Year

ACURA

MDXWagon 4 Dr/4x4 '13Wagon 4 Dr/AWD '14, '15

MDX Advance Wagon 4 Dr/4x4 '13Wagon 4 Dr/AWD '14, '15

MDX Tech Wagon 4 Dr/AWD '13, '14, '15

TL AWDSedan 4 Dr/AWD '13, '14, '15

TL AWD AdvanceSedan 4 Dr/AWD '14, '15

TL AWD Tech Sedan 4 Dr/AWD '14, '15

TLXSedan 4 Dr/Front '16

TLX Advance Sedan 4 Dr/AWD '16Sedan 4 Dr/Front '16

TLX TechSedan 4 Dr/AWD '16Sedan 4 Dr/Front '16

AUDI

A5 Quattro Prem PlusConvertible/AWD '14, '15, '16Coupe/AWD '14, '15, '16

A5 Quattro PremiumConvertible/AWD '14, '15, '16Coupe/AWD '14, '15, '16

A5 Quattro PrestigeConvertible/AWD '14, '15, '16Coupe/AWD '14, '15, '16

A7 Premium Plus QuattroHatchback 4 Dr/ AWD '16

A7 Premium QuattroHatchback 4 Dr/ AWD '16

A7 Prestige QuattroHatchback 4 Dr/ AWD '16

Q7 Premium Wagon 4 Dr/AWD '12, '13, '14, '15, '16

Q7 Premium Plus Wagon 4 Dr/AWD '12, '13, '14, '15, '16

Q7 Prestige Wagon 4 Dr/AWD '12, '13, '14, '15, '16

Q7 TDI PremiumWagon 4 Dr/ AWD '16

Q7 TDI Premium PlusWagon 4 Dr/ AWD '16

Q7 TDI PrestigeWagon 4 Dr/ AWD '16

BMW

328iConvertible/Rear '14Coupe/Rear '14

Make/Model/Year

BMW cont'd

328i SulevConvertible/Rear '14Coupe/Rear '14

328xiCoupe/AWD '14

328xi SulevCoupe/AWD '14

335iConvertible/Rear '14 Coupe/Rear '14

335i SulevConvertible/Rear '14Coupe/Rear '14

335xiCoupe/AWD '14

528xiSedan 4 Dr/AWD '14, '15, '16

535d XDriveSedan 4 Dr/AWD '15, '16

535xiSedan 4Dr/AWD '14, '15, '16

535xi GTHatchback 4 Dr/AWD '14, '15, '16

550i xi GTHatchback 4 Dr/AWD '14, '15, '16

550xiSedan 4 Dr/AWD '14, '15, '16

X5 M Wagon 4 Dr/AWD '13, '14

X5 XDrive35d Wagon 4 Dr/AWD '13, '14, '15, '16

X5 XDrive35i Wagon 4 Dr/AWD '13, '14, '15, '16

X5 XDrive50i Wagon 4 Dr/AWD '13, '14, '15, '16

BUICK

LacrosseSedan 4 Dr/Front '15, '16

Lacrosse AWD Sedan 4 Dr/AWD '15, '16

Lacrosse PremiumSedan 4 Dr/Front '15, '16

Lacrosse Premium AWDSedan 4 Dr/AWD '15, '16

Lacrosse TouringSedan 4 Dr/Front '15

Lacrosse W/EassistSedan 4 Dr/Front '15, '16

CADILLAC

CTS-VCoupe/Rear '16

DTSSedan 4 Dr/Front '12

DTS Luxury Collection Sedan 4 Dr/Front '12

DTS Platinum Collection Sedan 4 Dr/Front '12

DTS Premium Collection Sedan 4 Dr/Front '12

Make/Model/Year

CADILLAC cont'd

EscaladeWagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade ESV Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade ESV Luxury Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade ESV Platinum Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade ESV Premium Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade EXT Sport Pickup/AWD '13, '14Utility/AWD '12

Excalade EXT LuxurySport Pickup/AWD '13, '14 Utility/AWD '12

Escalade EXT Premium Sport Pickup/AWD '13, '14 Utility/AWD '12

Escalade HybridWagon 4 Dr/4x4 '14 Wagon 4 Dr/AWD '12, '13 Wagon 4 Dr/Rear '12, '13

Escalade Luxury Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade Platinum Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

Escalade Platinum HybirdWagon 4 Dr/4x4 '14 Wagon 4 Dr/AWD '12, '13 Wagon 4 Dr/Rear '12, '13

Escalade Premium Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13

XTSSedan 4 Dr/Front '16

XTS DeliverySedan 4 Dr/Front '16

XTS LuxurySedan 4 Dr/AWD '16Sedan 4 Dr/Front '16

XTS PlatinumSedan 4 Dr/AWD '16Sedan 4 Dr/Front '16

XTS PremiumSedan 4 Dr/AWD '16Sedan 4 Dr/Front '16

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Make/Model/Year

CADILLAC cont'd

XTS VSport PlatinumSedan 4 Dr/AWD '16

XTS VSport PremiumSedan 4 Dr/AWD '16

CHEVROLET

Avalanche C1500 LTSport Pickup/Rear '14 Utility/Rear '12

Avalanche K1500 LTSport Pickup/4x4 '14 Utility/4x4 '12

Avalanche LS Utility/4x4 '12 Utility/Rear '12

Avalanche LTZ Utility/4x4 '12 Utility/Rear '12

C1500 Suburban Wagon 4 Dr/Rear '12, '15, '16

C1500 Suburban LS Wagon 4 Dr/Rear '12, '15, '16

C1500 Suburban LT Wagon 4 Dr/Rear '12, '15, '16

C1500 Suburban LTZ Wagon 4 Dr/Rear '12, '15, '16

Camaro LS Coupe/Rear '16

Camaro LTConvertible/Rear '13, '14, '15, '16Coupe/Rear '13, '14, '15, '16

Camaro SS Convertible/Rear '13, '14, '15, '16Coupe/Rear '13, '14, '15, '16

Camaro Z28Coupe/Rear '15, '16

Camaro ZL1Convertible/Rear '14, '15, '16Coupe/Rear '14, '15, '16

CorvetteConvertible/Rear '12, '13, '14 Coupe/Rear '12, '13, '14

Corvette 1LTConvertible/Rear '15, '16Coupe/Rear '15, '16

Corvette 1LT Z5IConvertible/Rear '15, '16Coupe/Rear '15, '16

Corvette 1LZ Z06Coupe/Rear '16



Corvette 2LZ Z06Convertible/Rear '16Coupe/Rear '16


Make/Model/Year

CHEVROLET cont'd


Corvette 3LZ Z06Convertible/Rear '16Coupe/Rear '16

Corvette 427Convertible/Rear '14

Corvette Grand Sport Convertible/Rear '12, '13, '14 Coupe/Rear '12, '13, '14

Corvette Z06 Coupe/Rear '12, '13, '14

Corvette ZR-1 Coupe/Rear '12, '13, '14

Impala LT Sedan 4 Dr/Front '16

Impala LTZ Sedan 4 Dr/Front '12, '14, '15

K1500 Suburban Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

K1500 Suburban LS Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

K1500 Suburban LT Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

K1500 Suburban LTZ Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

K2500 SuburbanWagon 4 Dr/4x4 '14

K2500 Suburban LSWagon 4 Dr/4x4 '14

K2500 Suburban LTWagon 4 Dr/4x4 '14

Silverado C1500 4 Dr Ext Cab PK/Rear '12, '13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16Pickup/Rear '12, '14, '15, '16

Silverado C1500 High CounCrew Pickup/Rear '15, '16

Silverado C1500 Hybrid Crew Pickup/Rear '12, '13, '14

Silverado C1500 LS 4 Dr Ext Cab PK/Rear '12, '13, '14 Crew Pickup/Rear '12, '13, '14

Silverado C1500 LT 4 Dr Ext Cab PK/Rear '12, '13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16Pickup/Rear '12, '13, '14, '15, '16

Silverado C1500 LTZ 4 Dr Ext Cab PK/Rear '12, '13, '14, '15, '16Crew Pickup/Rear '12, '13, '14,'15, '16

Silverado K1500 Crew Pickup/4x4 '12, '13, '14, '15, '16Pickup/4x4 '12, '13, '14, '15, '16

Make/Model/Year

CHEVROLET cont'd

Silverado K1500 Crew Pickup/4x4 '12, '13, '14, '15, '16Pickup/4x4 '12, '13, '14, '15, '16

Silverado K1500 High CounCrew Pickup/4x4 '15, '16

Silverado K1500 Hybrid Crew Pickup/4x4 '12, '13, '14

Silverado K1500 LS Crew Pickup/4x4 '12, '13, '14

Silverado K1500 LTCrew Pickup/4x4 '12, '13, '14, '15, '16Pickup/4x4 '12, '13, '14, '15, '16

Silverado K1500 LTZCrew Pickup/4x4 '12, '13, '14, '15, '16

Silverado K2500 High CounCrew Pickup/4x4 '16

Silverado K2500HD Crew Pickup/4x4 '12, '13, '14, '15, '16

Silverado K2500HD LT Crew Pickup/4x4 '12, '13, '14, '15, '16Pickup/4x4 '13

Silverado K2500HD LTZ Crew Pickup/4x4 '12, '13, '14, '15, '16

Silverado K3500 Crew Pickup/4x4 '12, '13, '15, '16

Silverado K3500 High CounCrew Pickup/4x4 '16

Silverado K3500 LT Crew Pickup/4x4 '12, '13, '15, '16

Silverado K3500 LTZ Crew Pickup/4x4 '12, '13, '15, '16

Tahoe C1500 Wagon 4 Dr/Rear '12, '14, '15, '16

Tahoe C1500 Hybrid Wagon 4 Dr/Rear '12, '13, '14

Tahoe C1500 LS Wagon 4 Dr/Rear '12, '13, '14 '15, '16

Tahoe C1500 Police Wagon 4 Dr/Rear '12, '14, '15, '16

Tahoe K1500 Wagon 4 Dr/4x4 '12, '14, '15, '16

Tahoe K1500 Hybrid Wagon 4 Dr/4x4 '12, '13, '14

Tahoe K1500 LS Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

Tahoe K1500 Spec Srvc Wagon 4 Dr/4x4 '12, '14, '15, '16

Tahoe LT Wagon 4 Dr/4x4 '12, '13, '14, '15, '16Wagon 4 Dr/Rear '12, '13, '14, '15, '16

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Make/Model/Year

CHEVROLET cont'd

Tahoe LTZ Wagon 4 Dr/4x4 '12, '13, '14, '15, '16Wagon 4 Dr/Rear '12, '13, '14, '15, '16

Tahoe PoliceWagon 4 Dr/4x4 '16

CHRYSLER

300Sedan 4 Dr/AWD '15 Sedan 4 Dr/Rear '12, '14, '15

300 Limited Sedan 4 Dr/Rear '12, '16

300 Limited AWD Sedan 4 Dr/AWD '16

300 SSedan 4 Dr/AWD '14, '15, '16Sedan 4 Dr/Rear '14, '15, '16

300 SRT8 CoreSedan 4 Dr/Rear '15

300 C Sedan 4 Dr/Rear '12, '14, '15, '16

300 C AWD Sedan 4 Dr/AWD '12, '14, '15, '16

300 C PlatinumSedan 4 Dr/Rear '16

300 C Platinum AWDSedan 4 Dr/AWD '16

300 C SRT-8 Sedan 4 Dr/Rear '14, '15

300 C VarvatosSedan 4Dr/AWD '15Sedan 4 Dr/Rear '15

DODGE

Avenger R/TSedan 4 Dr/Front '14, '15

Avenger SXTSedan 4 Dr/Front '14, '15

Challenger R/T Coupe/Rear '12

Challenger Scat Pack Coupe/Rear '16

Challenger SRT 392 Coupe/Rear '16

Challenger SRT Hellcat Coupe/Rear '16

Challenger SRT-8 Coupe/Rear '12, '13, '14, '15

Challenger SRT-8 CoreCoupe/Rear '15

Challenger SXT Coupe/Rear '16

Challenger SXT Plus Coupe/Rear '16

ChargerSedan 4 Dr/AWD '15, '16 Sedan 4 Dr/Rear '12, '14, '15, '16

Charger PoliceSedan 4 Dr/Rear '14, '15, '16

Make/Model/Year

DODGE cont'd

Charger R/T Sedan 4 Dr/Rear '12, '14, '15, '16

Charger R/T AWD Sedan 4 Dr/AWD '12, '14, '15

Charger SRT HellcatSedan 4 Dr/Rear '16

Charger SRT-8 Sedan 4 Dr/Rear '14, '15, '16

Charger Super BeeSedan 4 Dr/Rear '14, '15

Charger SXT Sedan 4 Dr/Rear '14, '15, '16

Charger SXT AWD Sedan 4 Dr/AWD '14, '15, '16

Charger V6Sedan 4 Dr/AWD '14

Durango CitadelWagon 4 Dr/AWD '16Wagon 4 Dr/Rear '15, '16

Durango CrewWagon 4 Dr/Rear '15

Durango LimitedWagon 4 Dr/AWD '16Wagon 4 Dr/Rear '16

Durango R/TWagon 4 Dr/AWD '16Wagon 4 Dr/Rear '15, '16

Nitro Detonator Wagon 4 Dr/4x4 '12

Nitro Shock Wagon 4 Dr/4x4 '12

Ram 1500 Crew Pickup/4x4 '12 Crew Pickup/Rear '12 Pickup/4x4 '12 Pickup/Rear '12

Ram 1500 Quad Crew Pickup/4x4 '12 Crew Pickup/Rear '12

Ram 1500 SLT 4 Dr Ext Cab PK/Rear '13 Crew Pickup/4x4 '13 Crew Pickup/Rear '13

Ram 1500 ST 4 Dr Ext Cab PK/Rear '13 Crew Pickup/4x4 '13 Crew Pickup/Rear '13

Ram 2500 Crew Pickup/4x4 '12Crew Pickup/Rear '12 Pickup/4x4 '12Pickup/Rear '12

Ram 2500 Mega Cab Crew Pickup/4x4 '12 Crew Pickup/Rear '12

Ram 3500 Crew Pickup/4x4 '12 Crew Pickup/Rear '12 Pickup/4x4 '12 Pickup/Rear '12

Ram 3500 Mega Cab Crew Pickup/4x4 '12 Crew Pickup/Rear '12

Make/Model/Year

FORD

Expedition EL Limited Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Expedition EL PlatinumWagon 4 Dr/4x4 '16Wagon 4 Dr/Rear '16

Expedition EL XL Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Expedition EL XLT/King RA Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Expedition LTD Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Expedition PlatinumWagon 4 Dr/4x4 '16Wagon 4 Dr/Rear '16

Expedition XL Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Expedition XLT/King Ranch Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Explorer Limited Wagon 4 Dr/4x4 '14, '15, '16Wagon 4 Dr/Front '14, '15, '16

Explorer SportWagon 4 Dr/4x4 '14, '15, '16

Explorer XLT Wagon 4 Dr/4x4 '14, '15, '16

F1504 Dr Ext Cab PK/4x4 '12 4 Dr Ext Cab PK/Rear '12Crew Pickup/4x4 '14, '15, '16 Crew Pickup/Rear '12, '14, '15, '16Pickup/4x4 '13, '14, '15, '16 Pickup/Rear '12, '13, '14, '15, '16

F150 Super Cab4 Dr Ext Cab PK/4x4 '16 4 Dr Ext Cab PK/Rear '16

F150 SVT Raptor 4 Dr Ext Cab/4x4 '12Crew Pickup/4x4 '14, '15

F250 Super Duty 4 Dr Ext Cab PK/4x4 '12, '14, '15, '164 Dr Ext Cab PK/Rear '12 Crew Pickup/4x4 '12, '13, '14, '15,'16 Crew Pickup/Rear '12 Pickup/4x4 '12 Pickup/Rear '12

F350 Super Duty 4 Dr Ext Cab PK/4x4 '12 4 Dr Ext Cab PK/Rear '12 Crew Pickup/4x4 '12,'13, '14, '15, '16Crew Pickup/Rear '12 Pickup 4x4 '12 Pickup/Rear '12

Flex Limited Wagon 4 Dr/AWD '13, '14, '15, '16 Wagon 4 Dr/Front '13, '14, '15, '16

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Make/Model/Year

FORD cont'd

Fusion S Sedan 4 Dr/Front '14, '15, '16

Fusion S HybridSedan 4 Dr/Front '16

Fusion SE Sedan 4 Dr/Front '14, '15, '16

Fusion SE AWDSedan 4 Dr/AWD '16

Fusion SE HybridSedan 4 Dr/Front '15, '16

Fusion SE PhevSedan 4 Dr/Front '14, '15, '16

Fusion TitaniumSedan 4 Dr/Front '14, '15, '16

Fusion Titanium AWDSedan 4 Dr/AWD '14, '15, '16

Fusion Titanium HybridSedan 4 Dr/Front '15, '16

Fusion Titanium PhevSedan 4 Dr/Front '14, '15, '16

MustangConvertible/Rear '14, '15, '16 Coupe/Rear '12, '14

Mustang Boss 302Coupe/Rear '14

Mustang GT Convertible/Rear '13, '14, '15, '16Coupe/Rear '12, '13, '14, '15, '16

Mustang Shelby GT500Convertible/Rear '14, '15 Coupe/Rear '12, '13, '15

GMC

Sierra C1500 4 Dr/Ext Cab PK/Rear '12, '13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16Pickup/Rear '12

Sierra C1500 Denali Crew Pickup/Rear '12, '13, '14

Sierra C1500 Hybrid Crew Pickup/Rear '12, '14

Sierra C1500 SL 4 Dr Ext Cab PK/Rear '12, '13, '14Crew Pickup/Rear '12, '13, '14

Sierra C1500 SLE 4 Dr Ext Cab PK/Rear '12, '13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16Pickup/Rear '12, '13

Sierra C1500 SLT 4 Dr Ext Cab PK/Rear '12, '13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16

Sierra K1500 4 Dr Ext Cab PK/4x4 '15, '16 Crew Pickup/4x4 '12, '13, '15, '16 Pickup/4x4 '12

Make/Model/Year

GMC cont'd

Sierra K1500 Denali Crew Pickup/4x4 '12, '13, '15, '16

Sierra K1500 Hybrid Crew Pickup/4x4 '12, '13

Sierra K1500 SL Crew Pickup/4x4 '12, '13

Sierra K1500 SLE 4 Dr Ext Cab PK/4x4 '15, '16Crew Pickup/4x4 '12, '13, '15, '16 Pickup/4x4 '12

Sierra K1500 SLT 4 Dr Ext Cab PK/4x4 '15, '16 Crew Pickup/4x4 '12, '13, '15, '16

Sierra K2500 DenaliCrew Pickup/4x4 '12, '15, '16

Sierra K2500 HD Crew Pickup/4x4 '12, '15, '16

Sierra K2500 SLE Crew Pickup/4x4 '12, '15, '16

Sierra K2500 SLT Crew Pickup/4x4 '12, '15, '16

YukonWagon 4 Dr/4x4 '12, '14 Wagon 4 Dr/Rear '15

Yukon Denali Wagon 4 Dr/AWD '12, '13, '14, '15,'16Wagon 4 Dr/Rear '12, '13, '14, '15, '16

Yukon Denali Hybrid Wagon 4 Dr/4x4 '14Wagon 4 Dr/AWD '12, '13Wagon 4 Dr/Rear '12, '13, '14

Yukon Denali XL Wagon 4 Dr/4x4 '16Wagon 4 Dr/AWD '12, '13, '14, '15 Wagon 4 Dr/Rear '12, '13, '14, '15, '16

Yukon Hybrid Wagon 4 Dr/4x4 '12, '14 Wagon 4 Dr/Rear '12, '14

Yukon SLE Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15, '16

Yukon SLT Wagon 4 Dr/4x4 '12, '13, '14, '15, '16 Wagon 4 Dr/Rear '12, '13, '14, '15, '16

Yukon XL C1500 Wagon 4 Dr/Rear '12, '14

Yukon XL C1500 SLE Wagon 4 Dr/Rear '12,'13, '14, '15, '16

Yukon XL C1500 SLT Wagon 4 Dr/Rear '12,'13, '14, '15, '16

Yukon XL C2500 SLT Wagon 4 Dr/Rear '12, '13

Yukon XL K1500 Wagon 4 Dr/4x4 '12, '14, '15

Yukon XL K1500 SLE Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

Yukon XL K1500 SLT Wagon 4 Dr/4x4 '12, '13, '14, '15, '16

Make/Model/Year

GMC cont'd

Yukon XL K2500 Wagon 4 Dr/4x4 '12, '14

Yukon XL K2500 SLEWagon 4 Dr/4x4 '12, '13, '14

Yukon XL K2500 SLT Wagon 4 Dr/4x4 '12, '13, '14

HONDA

Accord EX Coupe/Front '12, '13, '14, '15, '16Sedan 4 Dr/Front '15, '16

Accord EX-L Coupe/Front '12, '13, '14, '15, '16Sedan 4 Dr/Front '15, '16

Accord HybridSedan 4 Dr/Front '15, '16

Accord Hybrid EXLSedan 4 Dr/Front '15, '16

Accord Hybrid TouringSedan 4 Dr/Front '15, '16

Accord LX Coupe/Front '13Sedan 4 Dr/Front '15, '16

Accord LX-S Coupe/Front '12, '14, '15, '16

Accord SportSedan 4 Dr/Front '15, '16

Accord TouringSedan 4 Dr/Front '15, '16

Civic SI Coupe/Front '12, '16 Sedan 4 Dr/Front '12, '13, '16

Crosstour EXWagon 4 Dr/Front '14, '15, '16

Crosstour EX-L Wagon 4 Dr/AWD '13, '14, '15, '16Wagon 4 Dr/Front '14, '15, '16

FitHatchback 4 Dr/Front '13

Fit Sport Hatchback 4 Dr/Front '13

Pilot EXL Wagon 4 Dr/AWD '13

Pilot EXLN Wagon 4 Dr/AWD '13

Pilot Touring Wagon 4 Dr/AWD '13

Ridgeline RTPickup 4x4 '12, '13

Ridgeline RTL Pickup 4x4 '12, '13

Ridgeline RTS Pickup 4x4 '12, '13

Ridgeline SportPickup 4x4 '13

HYUNDAI

Genesis Coupe 2.0TCoupe/Rear '15

Genesis Coupe 3.8LCoupe/Rear '15, '16

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Make/Model/Year

INFINITI

FX35Wagon 4 Dr/AWD '13

G37 AWD Coupe/AWD '12Sedan 4 Dr/AWD '14

G37 Base/Sport Convvertible/Rear '12 Coupe/Rear '12

G37/Journey/SportSedan 4 Dr/Rear '14

QX50Station Wagon/AWD '16

QX60Wagon 4 Dr/AWD '16

QX60 HybridWagon 4 Dr/AWD '16

QX70Wagon 4 Dr/AWD '16

QX80Wagon 4 Dr/4x4 '16

JAGUAR

XFSedan 4 Dr/Rear '12, '13, '14, '15

XF Portfolio Sedan 4 DR/Rear '13

XF Premium Sedan 4 Dr/Rear '12

XF R Sedan 4 Dr/Rear '12, '13, '14, '15, '16

XF RSSedan 4 Dr/Rear '15, '16

XF Supercharged Sedan 4 Dr/Rear '12, '13, '14, '15, '16

JEEP

Grand Cherokee Limited Wagon 4 Dr/4x4 '14, '15, '16Wagon 4 Dr/Rear '14, '15, '16

Grand Cherokee Overland Wagon 4 Dr/4x4 '14, '15, '16Wagon 4 Dr/Rear '14, '15, '16

Grand Cherokee SRT-8 Wagon 4 Dr/4x4 '14, '15, '16

Grand Cherokee SummitWagon 4 Dr/4x4 '15, '16Wagon 4 Dr/Rear '15, '16

Liberty Jet Wagon 4 Dr/4x4 '13 Wagon 4 Dr/Rear '13

Liberty Limited Wagon 4 Dr/4x4 '13 Wagon 4 Dr/Rear '13

Liberty Sport Wagon 4 Dr/4x4 '13 Wagon 4 Dr/Rear '13

Wrangler RubiconWagon 2 Dr/4x4 '16

Wrangler SaharaWagon 2 Dr/4x4 '16

Make/Model/Year

JEEP cont'd

Wrangler SportWagon 2 Dr/4x4 '16

Wrangler Unlimited SaharaWagon 4 Dr/4x4 '16

Wrangler Unlimited SportWagon 4 Dr/4x4 '16

Wrangler Unlimited RubiconWagon 4 Dr/4x4 '16

LAND ROVER

LR4Wagon 4 Dr/4x4 '15, '16

Range Rover Autobiography Wagon 4 Dr/AWD '12

Range Rover HSE Wagon 4 Dr/AWD '12

Range Rover HSE Luxury Wagon 4 Dr/AWD '12

Range Rover Sport Autobio Wagon 4 Dr/4x4 '15, '16Wagon 4 Dr/AWD '12

Range Rover Sport HSE Wagon 4 Dr/4x4 '15, '16Wagon 4 Dr/AWD '12, '13

Range Rover Sport LUX Wagon 4 Dr/AWD '12, '13

Range Rover Sport SCWagon 4 Dr/4x4 '15, '16 Wagon 4 Dr/AWD '12, '13

Range RVR Evoque DYN PREMWagon 2 Dr/AWD '14Wagon 4 Dr/AWD '14

Range RVR Evoque PRE PREMWagon 4 Dr/AWD '14

Range RVR Evoque PUREWagon 4 Dr/AWD '14

Range RVR Evoque PURE PLUWagon 2 Dr/AWD '14Wagon 4 Dr/AWD '14

Range RVE Evoque PURE PREWagon 2 Dr/AWD '14Wagon 4 Dr/AWD '14

LEXUS

GS 350 Sedan 4 Dr/Rear '12

GS 350 AWD Sedan 4 Dr/AWD '12, '16

GX 460Wagon 4 Dr/AWD '14, '15, '16

GX 460 PremiumWagon 4 Dr/AWD '14, '15, '16

IS 250 Convertible/Rear '13, '14Sedan 4 Dr/Rear '13, '14, '15, '16

IS 250 AWD Sedan 4 Dr/AWD '13, '14, '15, '16

RX 350 Wagon 4 Dr/AWD '16

RX 450 HWagon 4 Dr/AWD '16

Make/Model/Year

LINCOLN

MKSSedan 4 Dr/Front '12, '13, '14, '15, '16

MKS AWD Sedan 4 Dr/AWD '12, '13, '14, '15,'16

MKX AWD Wagon 4 Dr/AWD '13, '14, '15, '16

MKX FWD Wagon 4 Dr/Front '13, '14, '15, '16

MKZSedan 4 Dr/Front '13, '14

MKZ AWD Sedan 4 Dr/AWD '12, '13, '14

MKZ HybridSedan 4 Dr/Front '13, '14

NavigatorWagon 4 Dr/4x4 '12Wagon 4 Dr/Rear '12

Navigator L Wagon 4 Dr/4x4 '12 Wagon 4 Dr/Rear '12

MERCEDES-BENZ

C250Coupe/Rear '15, '16

C350Coupe/Rear '15, '16

C350 4MaticCoupe/AWD '15, '16

C63 AMGCoupe/Rear '15, '16

CL550 4MaticCoupe/AWD '15

CL63 AMGCoupe/Rear '15

CL65 AMGCoupe/Rear '15

CLS400 4MaticSedan 4 Dr/Rear '16

CLS Class 400Sedan 4 Dr/ AWD '16

CLS550Coupe 4 Dr/Rear '12Sedan 4 Dr/Rear '16

CLS550 4MaticSedan 4 Dr/AWD '16

CLS63 AMG Coupe 4 Dr/Rear '12

E250 Bluetec 4MaticSedan 4 Dr/AWD '15, '16

E350Convertible/Rear '15Coupe/Rear '15

E3504M AWDCoupe/AWD '15, Sedan 4 Dr/AWD '15, '16

E3504M Wagon AWDStation Wagon/AWD '15, '16

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Make/Model/Year

MERCEDES-BENZ cont'd

E400Convertible/Rear '16Coupe/Rear '16

E400 4MaticCoupe/AWD '16Sedan 4 Dr/AWD '16

E550Convertible/Rear '15, '16Coupe/Rear '15, '16

E550 4Matic AWDSedan 4 Dr/AWD '15

E63 AMGSedan 4 Dr/AWD '15, '16Station Wagon/AWD '15

E63 AMG-SSedan 4 Dr/AWD '16Station Wagon/AWD '16

GL350 Bluetec Wagon 4 Dr/AWD '12, '13, '14, '16

GL450 4Matic Wagon 4 Dr/AWD '12, '13, '14, '16

GL550 4Matic Wagon 4 Dr/AWD '12, '13, '14, '16

GL63 AMGWagon 4 Dr/AWD '16

GLA250 4MaticWagon 4 Dr/AWD '16

GLA-45 AMGStation Wagon/AWD '16

GLK250 BluetecWagon 4 Dr/AWD '16

GLK350 4MaticWagon 4 Dr/AWD '16

ML250 BluetecWagon 4 Dr/AWD '16

ML350Wagon 4 Dr/AWD '15, '16

ML350 BluetecWagon 4 Dr/AWD '15

ML400 4MaticWagon 4 Dr/AWD '16

ML550 4MaticWagon 4 Dr/AWD '15

ML63 AMGWagon 4Dr/AWD '15, '16

S Class S65 AMG Sedan Dr/Rear '12, '13

S350 Bluetec Sedan 4 Dr/AWD '13

S400 Hybrid Sedan 4 Dr/Rear '12, '13

S550Sedan 4 Dr/Rear '12, '13

S550 4Matic Sedan 4 Dr/AWD '12, '13

S600Sedan 4 Dr/Rear '12, '13

S63 AMG Sedan 4 Dr/Rear '12, '13

Make/Model/Year

MITSUBISHI

Eclipse Spyder GS Convertible/Front '12

Eclipse Spyder GT Convertible/Front '12

Lancer DE Sedan 4 Dr/Front '13

Lancer ES/ES Sport Hatchback 4 Dr/Front '13 Sedan 4 Dr/Front '13

Lancer Evolution GSR Sedan 4 Dr/AWD '13

Lancer Evolution MR Sedan 4 Dr/AWD '13

Lancer GTS Sedan 4 Dr/Front '13

Lancer Ralliart & Sport Sedan 4 Dr/AWD '13

Lancer SE Sedan 4 Dr/Front '13

NISSAN

370ZConvertible/Rear '13 Coupe/Rear '13

Altima 2.5 SCoupe/Front '14

Armada Platinum Wagon 4 Dr/AWD '12, '13, '14, '15,'16Wagon 4 Dr/Rear '12, '13, '14, '15,'16

Armada SE/Titanium Wagon 4 Dr/4x4 '12 Wagon 4 Dr/AWD '12

Armada SV/SL/Platinum Wagon 4 Dr/4x4 '13Wagon 4 Dr/AWD '14, '15, '16Wagon 4 Dr/Rear '12, 13, '14, '15, '16

Frontier S/SV/SL/PRO-4XCrew Pickup/4x4 '15, '16Crew Pickup/Rear '15

Frontier SV/PRO-4X4 Dr Ext Cab Pk/4x4 '15, '164 Dr Ext Cab Pk/Rear '15

Frontier SV/SLCrew Pickup/4x4 '15, '16Crew Pickup/Rear '15, '16

Maxima S/SV Sedan 4 Dr/Front '12, '13, '14, '15, '16

Pathfinder LE Wagon 4 DR/AWD '13

Pathfinder S/LE/SE Wagon 4 Dr/AWD '13 Wagon 4 Dr/Rear '12, '13

Pathfinder S/SV/SL/PLATNUWagon 4 Dr/4x4 '14Wagon 4 Dr/Front '14

Titan S/SV/SL/PRO-4X Crew Pickup/4x4 '12, '13, '14, '15, '16Crew Pickup/Rear '12, '13, '14, '15

Make/Model/Year

NISSAN cont'd

Titan SV Crew Pickup/4x4 '12, '13 Crew Pickup/Rear '12

PORSCHE

CayenneWagon 4 Dr/AWD '12, '13, '15

Cayenne DieselWagon 4 Dr/AWD '15, '16

Cayenne GTSWagon 4 Dr/AWD '15

Cayenne S Wagon 4 Dr/AWD '12, '13, '15, '16

Cayenne S Hybrid Wagon 4 Dr/AWD '12, '13, '15, '16

Cayenne Turbo Wagon 4 Dr/AWD '12, '13, '15, '16

Panamera 4S ExecutiveSedan 4 Dr/AWD '15, '16

Panamera GTSSedan 4 Dr/AWD '15, '16

Panamera S HybridSedan 4 Dr/Rear '15, '16

Panamera S/4SSedan 4 Dr/Rear '15, '16

Panamera TurboSedan 4 Dr/AWD '15, '16

Panamera Turbo ExecutiveSedan 4 Dr/AWD '15, '16

Panamera/4Sedan 4 Dr/Rear '15, '16

RAM

Ram Truck 1500 LaramieCrew Pickup/4x4 '14, '15, '16Crew Pickup/Rear '14, '15, '16

Ram Truck 1500 LonghornCrew Pickup/4x4 '14, '15, '16Crew Pickup/Rear '14, '15, '16

Ram Truck 1500 SLTCrew Pickup/4x4 '14, '15, '16Crew Pickup/Rear '14, '15, '16Pickup/4x4 '14

Ram Truck 1500 SportCrew Pickup/4x4 '14, '15, '16Crew Pickup/Rear '14, '15, '16

Ram Truck 1500 SSVCrew Pickup/4x4 '15

Ram Truck 1500 STCrew Pickup/4x4 '14, '15, '16Crew Pickup/Rear '14, '15, '16

Ram Truck 2500 LaramieCrew Pickup/4x4 '15, '16

Ram Truck 2500 LonghornCrew Pickup/4x4 '15, '16

Ram Truck 2500 PowerwagonCrew Pickup/4x4 '16

Ram Truck 2500 SLTCrew Pickup/4x4 '15, '16

MA 00 03 08 15 Page 7 of 7


MA 00 03 08 15Effective 08/15

Make/Model/Year

RAM cont'd

Ram Truck 2500 STCrew Pickup/4x4 '15, '16

Ram Truck 3500 LaramieCrew Pickup/4x4 '15, '16

Ram Truck 3500 LonghornCrew Pickup/4x4 '15, '16

Ram Truck 3500 SLTCrew Pickup/4x4 '15, '16

Ram Truck 3500 STCrew Pickup/4x4 '15, '16

SUBARU

Impreza WRXSedan 4 Dr/AWD '15 Station Wagon AWD '12, '15

Impreza WRX STISedan 4 Dr/AWD '15 Station Wagon/AWD '12, '15

WRXSedan 4 Dr/AWD '16

WRX LimitedSedan 4 Dr/AWD '16

WRX PremiumSedan 4 Dr/AWD '16

WRX STISedan 4 Dr/AWD '16

WRX STI Launch EditionSedan 4 Dr/AWD '16

WRX STI LimitedSedan 4 Dr/AWD '16

TOYOTA

4Runner SR5/LimitedWagon 4 Dr/Rear '14

4Runner SR5/Limited/TrailWagon 4 Dr/4x4 '14

Avalon Limited Sedan 4 Dr/Front '12

Camry Hybrid/LE/XLE Sedan 4 Dr/Front '13

Camry SE/XLE Sedan 4 Dr/Front '13

FJ Cruiser Wagon 4 Dr/4x4 '12, '13, '14 Wagon 4 Dr/Rear '12, '13

Highlander Base/Plus/SEWagon 4 Dr/AWD '14

Highlander Hybrid LimitedWagon 4 Dr/AWD '12, '13, '14

Highlander LE/LE PlusWagon 4 Dr/AWD '15, '16

Make/Model/Year

TOYOTA cont'd

Highlander Limited Wagon 4 Dr/AWD '12, '13, '14 Wagon 4 Dr/Front '12, '13

Highlander Limited/LTD PluWagon 4 Dr/AWD '15, '16

Highlander XLEWagon 4 Dr/AWD '15, '16

Highlander Hybrid Wagon 4 Dr/AWD '12, '13, '14

Highlander SE Wagon 4 Dr/AWD '12, '13 Wagon 4 Dr/Front '12, '13

Highlander HYB LTD/LTD PLAWagon 4 Dr/AWD '15, '16

Scion FR-S Coupe/ Rear '16

Scion TC Hatchback 2 Dr/Front '12, '13, '14, '15, '16

Scion XB Wagon 4 Dr/Front '13, '15, '16

Sequoia Limited Wagon 4 Dr/4x4 '12 Wagon 4 Dr/AWD '12, '13, '14

Sequoia Platinum Wagon 4 Dr/4x4 '12, '13Wagon 4 Dr/AWD '14

Sequoia SR5 Wagon 4 Dr/AWD '12, '13, '14

TacomaPickup/4x4 '13 Pickup/Rear '13

Tacoma Access Cab Club Cab Pickup/4x4 '13 Club Cab Pickup/Rear '13

Tacoma Doublecab Crew Pickup/4x4 '12, 13, '14, '15, '16 Crew Pickup/Rear '12, '13, '14, '15, '16

Tacoma Doublecab Long Bed Crew Pickup/4x4 '12, '13, '14, '15, '16

Tacoma Prerunner Long Bed Crew Pickup/Rear '13

Tacoma Prerunner Access Cab Club Cab Pickup/Rear '13

Tacoma X-Runner Access Cab Club Cab Pickup/Rear '13

Tundra Crewmax 1794Crew Pickup/4x4 '16Crew Pickup/Rear '16

Make/Model/Year

TOYOTA cont'd

Tundra Crewmax Limited Crew Pickup/4x4 '12, '13, '14, '15, '16Crew Pickup/Rear '12, '13, '14, '15, '16

Tundra Crewmax PlatinumCrew Pickup/4x4 '15, '16Crew Pickup/Rear '15, '16

Tundra Crewmax SR5 Crew Pickup/4x4 '12, '13, '14, '15, '16Crew Pickup/Rear '12, '13, '14, '15, 16

Tundra Crewmax SR5/TRD PRCrew Pickup/4x4 '16

Tundra Double Cab Limited Crew Pickup/4x4 '12, '13, '14, '15, '16Crew Pickup/Rear '12, '13, '14, '15, '16

Tundra Double Cab SR/SRSCrew Pickup/4x4 '15, '16Crew Pickup/Rear '15, '16

Tundra Double Cab SR5 Crew Pickup/4x4 '12, '13, '14 Crew Pickup/Rear '12, '13, '14

VenzaWagon 4 Dr/AWD '12 Wagon 4 Dr/Front '12

Venza LE/XLE Wagon 4 Dr/AWD '13, '14, '15, '16 Wagon 4 Dr/Front '13, '14

Venza LE/XLE/Limited Wagon 4 Dr/AWD '13, '14, '15, '16 Wagon 4 Dr/Front '13, '14

VOLKSWAGEN

Touareg HybridWagon 4 Dr/AWD '15

Touareg TDIWagon 4 Dr/AWD '16

Touareg V6Wagon 4 Dr/AWD '16

COVERAGE SELECTIONS PAGEPage of

This page and any attached endorsements form a part of your policy

This policy is Issued By:ITEM 1. This Policy Is Issued To: Massachusetts Personal Automobile

Policy Number

ITEM 2. This policy is effective from: to:


(12:01 A.M. Eastern Standard Time)ITEM 3. Description of your Auto:

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

NONE

PREMIUM PREMIUM

TOTAL COST

AUTO AUTO

ITEM 4. This policy provides only the coverages for which an annual premium charge is shown.



COVERAGES, Parts 1 - 12

COMPULSORY INSURANCE

1 Bodily Injury to Others

2 Personal Injury Protection

Bodily Injury Caused ByAn Uninsured Auto

(Compulsory Limits $20,000/$40,000)

$

$

$

$

$

MERIT RATING PLAN

Good Driving Rewards

TOTAL PREMIUM

Identity Fraud Monitoring Service

Up to $

$

$

$

$

$

AUTOLIMITS

$$

$$

$

$

$

$

$

$

Up to $

Damage to Someone4 Else's Property (Compulsory Limit $5,000)

OPTIONAL INSURANCE

Optional Bodily Injury to Others5

6 Medical Payments

7 Collision

8 Limited Collision

9 Comprehensive

10 Substitute Transportation

11 Towing and Labor

Bodily Injury Caused By An Underinsured Auto12

Auto Loan/Lease Coverage

AUTOLIMITS

$$

$$

$

$

$

$

$

$

DEDUCTIBLE DEDUCTIBLEperpersonperaccident


per

person

per

accident

yourself



perperson




per

person

per

accident

yourself



perperson


Up to a day,maximum

Up to a day,maximum

REDUCTION

CHARGE

REDUCTION

CHARGE

3

for each for each

Identification Numbers of Endorsements Forming a Part of This Policy

ITEM 5. Place of Principal Garaging

AutoAuto

ITEM 6. Secured Lender/Lessor-Additional Insured, if Rented Auto

REFER TO THE FOLLOWING PAGES FOR ADDITIONAL INFORMATIONMZZ04022

A4513

Typewritten Text

MZZ04023

A4513

Typewritten Text

A4513

Typewritten Text

A4513

Line

A4513

Cross-Out

A4513

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A M I CMICA UTUAL NSURANCE OMPANYLincoln, Rhode Island

Page of

CONTINUATION OF COVERAGE SELECTIONS PAGE FOR POLICY NO.

NAMED INSURED AND ADDRESS

License NumberOperator Name

DRIVER INFORMATION:

12345678

Check carefully that all operators of your auto(s) are shown. Your failure to list a household member or anyindividual who customarily operates your auto may have very serious consequences.

NOTICE: If you or someone else on your behalf has knowingly given us false, deceptive, misleadinginformation and if such false, deceptive, misleading or incomplete information increases our risk of loss, we mayrefuse to pay claims under any or all of the Optional Insurance Parts and we may cancel your policy. Suchinformation includes the description and the place of garaging of the vehicle(s) to be insured, the names of allhousehold members and customary operators required to be listed and the answers given above for all listed operators.We may also limit our payments under Part 3 and Part 4. Check to make certain that you have correctly listed alloperators and the completeness of their previous driving records. The Merit Rating Board may verify the accuracy ofthe previous driving records of all listed operators.

We will not pay for a collision or limited collision loss for an accident which occurs while your auto is being operatedby a household member who is not listed as an operator on your policy. Payment is withheld when the householdmember, if listed, would require the payment of additional premium on your policy because the household memberwould be classified as an inexperienced operator or would require payment of additional premium on your policy under the Merit Rating Plan.

First

Licensed

Date

Date of Birth

Mo. Day Year

Operator StatusO-OccasionalP-PrincipalE-ExcludedD-Deferred

Auto(s)1 2 3 4 5 6

Ope

rato

r

Lice

nse

Sta

te

or incomplete

Countersigned byAuthorized Signature / Agent

DISCOUNTS:

ADDITIONAL INFORMATION

DISCOUNTS

Discount Name Coverage Discount Available

Age 65 and Older All 25%

Air Bag/Automatic Seatbelts Parts 2, 3, 6 and 12 25%

Annual Mileage 0-5000/5001-7500 10%/5%

Anti-Theft Device / Vehicle Recovery System Part 9 5-36% Depending on the category of device.

Multi-Car Parts 1, 2, 4, 5, 7, 8 and 9 5%

Multi-Line 4-10% varies by line and numberParts 1, 2, 4, 5, 6, 7, 8 and 9

Good Student

Loyalty

Parts 1, 2, 4, 5, 6, 7, 8 and 9 10%

Parts 1,2,3,4,5,6,7,8,9 and 12 3-5% varies by years insured with Amica

Paid In Full

Advanced Driver Training

Parts 1,2,3,4,5,6,7,8,9 and 12

Parts 1,2,3,4,5,6,7,8,9 and 12

4%

5%

Automatic Payment Plan All 2%

All Electronic All 2%

Adaptive Headlights

Forward Collision Warning

1%

2-4%

Parts 1, 2, 4, 5 and 7

Parts 1, 2, 4, 5 and 7

MERIT RATING PLAN

Additional Discount is available with the Platinum Choice package.

PART 5 - OPTIONAL BODILY INJURY TO OTHERS

PART 12 - BODILY INJURY CAUSED BY AN UNDERINSURED AUTO

Public Transit Parts 4 and 7 10%

Electronic Stability Control Parts 7 and 8 5%

Parts 1,2,3,4,5,6,7,8 and 12

Several discounts are available and your premium has been reduced if one or more of the following categories is indicated in the discounts box. If a listed operator purchased a monthly public transit commuter pass for 11 of the 12 months preceding the effective date of the policy you may be entitled to the public transit commuter discount. Contact your agent or company representative for further details.

Please Note: Not all discounts are available for all policyholders.

The limits shown for this Part are the total limits you have under Compulsory Bodily Injury to Others (Part 1) and this Part. This means that the Compulsory limits are included within the limits shown for this Part and are not in addition to them.

The limits shown for this Part are subject to adjustment. We will only pay for any unpaid damages up to the difference between the total amount collected from the automobile bodily injury liability insurance covering the owner and operator of the underinsured auto and the limits shown for this Part.

The Merit Rating Plan adjustments shown on the reverse side for each auto is based on the driving records of the operators listed on your policy. Premium reductions result from incident-free driving. The merit rating points and class of each operator are used in assigning the operators to the autos in the manner described in the rating manual.

A4513

Line

A4513

Line

TABLE OF CONTENTS

Page









ADDITIONAL RULES

Electronic Delivery, Billing and Premium Payment Options………………………E-4 – E-5 Good Driving Rewards Program………………………………………………………….E-1 Platinum Package Discount……………………………………………………………….E-3 Identify Fraud Protection…………………………………………………………………..E-3

ADDITIONAL ITEMS





T-1



Except for East Boston and South Boston, sections of cities and towns designated “North,” “East,” “South,” and “West” or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation).

In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in

which case both are listed.

Counties are indicated by the Statistical Code Numbers as follows:

Left Hand Digit County Left Hand Digit County 0 ........................................

Barnstable Dukes Nantucket Plymouth

4 ........................................

Franklin Hampden

5 ........................................ Hampshire 6 ........................................ Middlesex

1 ........................................ Berkshire 7 ........................................ Norfolk 2 ........................................ Bristol 8 ........................................ Suffolk 3 ........................................ Essex 9 ........................................ Worcester

T-2

CITY OF BOSTON

Definition

Rating Territory

Statistical Code

BOSTON CENTRAL - (Zip Codes 02101-02118, 0 2 1 0 8 - 0 2 1 1 1 , 0 2 1 13 -0 2 1 1 6 , 0 2 11 8 , 02123, 02133, 02199, 02201, 02202, 02203,

02210, 02215, 0222202241) 23 821

BRIGHTON - (Zip Codes 02134, 02135, 02163) 24 822

CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129) 26 824

DORCHESTER - (North Dorchester and South

Dorchester) - (Zip Codes 02122, 02124, 02125, 02126) 21 819

EAST BOSTON - CHARLESTOWN - (Zip Codes

02128, 02129) 26 824

HYDE PARK - (Zip Codes 02136, 02137) 20 818

JAMAICA PLAIN - (Zip Code 02130) 19 817

ROSLINDALE - (Zip Code 02131) 18 816


22 820

SOUTH BOSTON - (Zip Code 02127) 25 823

WEST ROXBURY (Zip Code 02132) 17 815

The following list contains subdivisions of Boston with territorial schedules and statistical codes:

Name Rating Territory Statistical Code

Allston - (Brighton) 24 822 Mattapan - (Dorchester - North) 21 819Readville - (Hyde Park) 20 818

The following list contains Out of State Territorial Schedules and Statistical Codes

Rating StatisticalLocation Territory CodeConnecticut 9 991Maine 9 992New Hampshire 9 993New York 9 994Rhode Island 9 995Vermont 9 996Other 9 999

T-3

RATING TERRITORIES

Rating Statistical Rating Statistical

City or Town Territory Code A

ABINGTON .................................. 8 010

City or Town Territory Code

CHARLESTOWN - Boston (Zip

ACTON ........................................ 27 630 Codes 02128, 02129).............. 26 824ACUSHNET ................................. 7 230 CHARLTON.................................. 4 936ADAMS ........................................ 27 110 CHATHAM.................................... 27 051AGAWAM..................................... 7 420 CHELMSFORD............................ 2 612ALFORD ...................................... 27 170 CHELSEA..................................... 16 802AMESBURY................................. 2 310 CHESHIRE ................................... 27 130AMHERST ................................... 5 510 CHESTER.................................... 1 440ANDOVER ................................... 3 311 CHESTERFIELD .......................... 27 570ARLINGTON ................................ 4 610 CHICOPEE................................... 9 402ASHBURNHAM ........................... 1 930 CHILMARK ................................... 27 081ASHBY......................................... 1 670 CLARKSBURG............................. 27 131ASHFIELD ................................... 27 470 CLINTON...................................... 6 911ASHLAND .................................... 5 631 COHASSET.................................. 4 732ATHOL ......................................... 3 910 COLRAIN...................................... 1 431ATTLEBORO ............................... 5 210 CONCORD ................................... 27 613AUBURN ...................................... 6 931 CONWAY..................................... 27 473AVON ........................................... 11 730 CUMMINGTON............................ 27 571AYER ...........................................

B 3 632 D

DALTON .......................................

27

132DANVERS .................................... 5 313

BARNSTABLE ............................. 5 021 DARTMOUTH............................... 7 211BARRE......................................... 2 932 DEDHAM ...................................... 8 712BECKET....................................... 2 171 DEERFIELD................................. 27 432BEDFORD ................................... 2 633 DENNIS ........................................ 3 052BELCHERTOWN ......................... 3 530 DIGHTON ..................................... 5 232BELLINGHAM.............................. 3 731 DORCHESTER - Boston (ZipBELMONT.................................... 3 611 Codes 02122, 02124, 02125, BERKLEY .................................... 6 231 02126)..................................... 21 819BERLIN ........................................ 27 933 DOUGLAS .................................... 2 937BERNARDSTON ......................... 27 471 DOVER......................................... 2 733BEVERLY .................................... 5 312 DRACUT....................................... 6 614BILLERICA................................... 5 634 DUDLEY ....................................... 3 938BLACKSTONE............................. 2 934 DUNSTABLE ................................ 1 673BLANDFORD............................... 3 490 DUXBURY .................................... 3 031BOLTON ...................................... BOSTON CENTRAL - (Zip Codes

1 970 E EAST BOSTON - Boston (Zip

02108-02111, 0210113- 021186, Codes 02128, 02129).............. 26 8240212318, 02199, 02201, 02202, EAST BRIDGEWATER ................ 6 03202203,02210, 02215, 0222241)... 23 821 EASTBROOKFIELD.................... 2 973BOURNE...................................... 4 050 EASTHAM .................................... 27 082BOXBOROUGH........................... 27 671 EASTHAMPTON .......................... 3 511BOXFORD ................................... 3 370 EAST LONGMEADOW ................ 6 441BOYLSTON ................................. 2 971 EASTON....................................... 7 212BRAINTREE ................................ 8 710 EDGARTOWN.............................. 27 053BREWSTER................................. 27 080 EGREMONT................................. 27 172BRIDGEWATER .......................... 6 011 ERVING........................................ 27 433BRIGHTON - Boston (Zip Codes ESSEX.......................................... 2 330

02134, 02135, 02163)............. 24 822 EVERETT ..................................... 14 602BRIMFIELD.................................. 3 491 F BROCKTON................................. 45 002 FAIRHAVEN ................................. 7 213BROOKFIELD.............................. 3 935 FALL RIVER................................. 13 201BROOKLINE ................................ 8 702 FALMOUTH.................................. 3 054BUCKLAND ................................. 27 430 FITCHBURG................................. 7 902BURLINGTON ............................. 4 635 FLORIDA ...................................... 2 173

C FOXBOROUGH............................ 3 734CAMBRIDGE ............................... 11 600 FRAMINGHAM ............................. 9 615CANTON ...................................... 8 711 FRANKLIN.................................... 1 713CARLISLE.................................... 27 672 FREETOWN ................................. 5 233CARVER ...................................... 7 030CHARLEMONT............................ 27 472

T-4

Rating Statistical Rating Statistical City or Town Territory Code City or Town Territory Code

G LINCOLN ...................................... 1 639GARDNER ................................... 3 912 LITTLETON .................................. 27 640GAY HEAD .................................. 27 083 LONGMEADOW........................... 4 442GEORGETOWN .......................... 3 331 LOWELL ....................................... 41 601GILL ............................................. 27 474 LUDLOW ...................................... 7 421GLOUCESTER ............................ 5 314 LUNENBURG ............................... 1 945GOSHEN ..................................... 27 573 LYNN ............................................ 43 300GOSNOLD ................................... 27 084 LYNNFIELD.................................. 7 334GRAFTON ................................... 3 913 M GRANBY...................................... 4 574 MALDEN....................................... 14 603GRANVILLE................................. 2 492 MANCHESTER............................ 27 335GREAT BARRINGTON................ 1 111 MANSFIELD ................................. 3 214GREENFIELD .............................. 3 410 MARBLEHEAD............................. 4 316GROTON ..................................... 27 636 MARION ....................................... 3 038GROVELAND .............................. 3 332 MARLBOROUGH......................... 5 618

H MARSHFIELD.............................. 7 039HADLEY....................................... 27 531 MASHPEE .................................... 5 085HALIFAX ...................................... 5 070 MATTAPOISETT .......................... 3 040HAMILTON .................................. 1 333 MAYNARD.................................... 27 620HAMPDEN ................................... 5 493 MEDFIELD................................... 27 736HANCOCK ................................... 27 174 MEDFORD................................... 12 604HANOVER ................................... 4 033 MEDWAY ..................................... 27 737HANSON...................................... 5 034 MELROSE .................................... 6 619HARDWICK ................................. 27 939 MENDON...................................... 27 946HARVARD ................................... 27 974 MERRIMAC .................................. 3 336HARWICH.................................... 1 055 METHUEN.................................... 10 317HATFIELD.................................... 27 532 MIDDLEBOROUGH..................... 6 013HAVERHILL ................................. 8 302 MIDDLEFIELD.............................. 1 576HAWLEY...................................... 27 475 MIDDLETON................................ 6 337HEATH ......................................... 2 476 MILFORD..................................... 5 915HINGHAM .................................... 4 012 MILLBURY.................................... 4 916HINSDALE ................................... 2 133 MILLIS .......................................... 27 738HOLBROOK................................. 11 735 MILLVILLE.................................... 1 947HOLDEN ...................................... 3 940 MILTON ........................................ 11 714HOLLAND .................................... 1 494 MONROE..................................... 1 479HOLLISTON................................. 2 637 MONSON..................................... 3 422HOLYOKE.................................... 40 403 MONTAGUE................................. 27 411HOPEDALE ................................. 2 941 MONTEREY ................................. 27 175HOPKINTON................................ 27 638 MONTGOMERY........................... 27 495HUBBARDSTON ......................... 1 942 MOUNTWASHINGTON............... 27 176HUDSON ..................................... 3 616 N HULL ............................................ 9 035 NAHANT....................................... 8 338HUNTINGTON ............................. 2 533 NANTUCKET................................ 27 056HYDE PARK - Boston (Zip Codes NATICK........................................ 3 621

02136, 02137)......................... 20 818 NEEDHAM.................................... 2 715I NEWASHFORD........................... 1 177

IPSWICH...................................... 2 315 NEWBEDFORD........................... 13 200J NEWBRAINTREE........................ 27 975

JAMAICA PLAIN - Boston (Zip NEWBURY ................................... 1 339Code 02130) ........................... 19 817 NEWBURYPORT ......................... 1 318

K NEWMARLBOROUGH................ 27 178KINGSTON .................................. 4 036 NEW SALEM................................ 27 480

L NEWTON...................................... 6 605LAKEVILLE .................................. 5 037 NORFOLK .................................... 1 739LANCASTER ............................... 2 943 NORTH ADAMS........................... 2 112LANESBOROUGH....................... 1 134 NORTHAMPTON......................... 3 512LAWRENCE................................. 44 303 NORTH ANDOVER...................... 5 319LEE .............................................. 27 135 NORTHATTLEBORO.................. 3 215LEICESTER ................................. 7 944 NORTHBOROUGH ...................... 27 949LENOX ......................................... 27 136 NORTHBROOKFIELD................. 3 948LEOMINSTER.............................. 5 914 NORTHBRIDGE ........................... 3 917LEVERETT .................................. 1 477 NORTH DORCHESTER - Boston LEXINGTON ................................ 2 617 (Zip Codes 02122, 02124,LEYDEN....................................... 1 478 02125, 02126) ......................... 21 819

T-5


NORTHFIELD .............................. 27 434 SHREWSBURY............................ 5 918NORTH READING....................... 5 641 SHUTESBURY ............................. 2 482NORTON ..................................... 5 234 SOMERSET................................. 6 238NORWELL ................................... 3 041 SOMERVILLE............................... 12 606NORWOOD ................................. 7 716 SOUTHAMPTON.......................... 1 580

OOAK BLUFFS...............................

27

057

SOUTHBOROUGH...................... SOUTH BOSTON - Boston (Zip

27 952

OAKHAM ..................................... 1 976 Code 02127)............................ 25 823ORANGE ..................................... 2 412 SOUTHBRIDGE ........................... 6 919ORLEANS .................................... 27 058 SOUTHHADLEY.......................... 4 513OTIS............................................. 27 179 SOUTHWICK................................ 4 444OXFORD...................................... 5 950 SPENCER .................................... 6 920

P SPRINGFIELD.............................. 42 400PALMER ...................................... 4 423 STERLING.................................... 27 953PAXTON ...................................... 5 977 STOCKBRIDGE........................... 1 138PEABODY.................................... 10 320 STONEHAM ................................. 8 623PELHAM ...................................... 27 577 STOUGHTON............................... 12 718PEMBROKE................................. 6 042 STOW........................................... 27 644PEPPERELL ................................ 27 642 STURBRIDGE .............................. 1 954PERU ........................................... 1 180 SUDBURY .................................... 27 645PETERSHAM............................... 27 978 SUNDERLAND............................. 3 436PHILLIPSTON.............................. 1 979 SUTTON....................................... 27 955PITTSFIELD................................. 4 102 SWAMPSCOTT............................ 9 322PLAINFIELD ................................ 27 578 SWANSEA.................................... 5 239PLAINVILLE................................. 4 740 T PLYMOUTH ................................. 7 014 TAUNTON .................................... 9 202PLYMPTON ................................. 6 071 TEMPLETON................................ 27 956PRINCETON................................ 27 980 TEWKSBURY............................... 5 646PROVINCETOWN ....................... 27 059 TISBURY ...................................... 27 061

Q TOLLAND ..................................... 1 496QUINCY ....................................... 12 703 TOPSFIELD.................................. 4 371

R TOWNSEND................................. 27 647RANDOLPH ................................. 14 717 TRURO......................................... 1 086RAYNHAM ................................... 6 235 TYNGSBOROUGH....................... 3 648READING..................................... 3 622 TYRINGHAM ................................ 27 184REHOBOTH................................. 4 236 U REVERE ...................................... 15 803 UPTON ......................................... 27 957RICHMOND ................................. 27 181 UXBRIDGE................................... 27 921ROCHESTER .............................. 3 043 W ROCKLAND ................................. 9 015 WAKEFIELD................................. 6 624ROCKPORT................................. 2 340 WALES ......................................... 2 497ROSLINDALE - Boston (Zip Code WALPOLE .................................... 4 719

02131) ..................................... 18 816 WALTHAM.................................... 7 607ROWE .......................................... 27 481 WARE........................................... 3 514ROWLEY ..................................... 3 341 WAREHAM................................... 8 016ROXBURY - Boston (Zip Codes WARREN...................................... 3 958

02119, 02120, 02121)............. 22 820 WARWICK.................................... 27 483ROYALSTON............................... 1 981 WASHINGTON............................. 27 185RUSSELL..................................... 3 443 WATERTOWN.............................. 7 608RUTLAND .................................... 3 951 WAYLAND.................................... 2 649

S WEBSTER.................................... 7 922SALEM......................................... 12 304 WELLESLEY ................................ 1 720SALISBURY................................. 5 342 WELLFLEET................................. 27 087SANDISFIELD ............................. 27 182 WENDELL .................................... 27 484SANDWICH ................................. 3 060 WENHAM ..................................... 2 343SAUGUS ...................................... 12 321 WESTBOROUGH......................... 2 923SAVOY......................................... 27 183 WESTBOYLSTON....................... 2 959SCITUATE ................................... 6 044 WEST BRIDGEWATER ............... 8 045SEEKONK.................................... 4 237 WESTBROOKFIELD................... 27 960SHARON...................................... 6 741 WESTFIELD ................................. 6 424SHEFFIELD ................................. 27 137 WESTFORD ................................. 27 650SHELBURNE ............................... 1 435 WESTHAMPTON ......................... 27 581SHERBORN................................. 1 674 WESTMINSTER ........................... 1 961SHIRLEY...................................... 2 643 WESTNEWBURY........................ 27 344

T-6

Rating Statistical City or Town Territory Code

WESTON ..................................... 3 651WESTPORT................................. WEST ROXBURY - Boston (Zip

Code 02132)

5

17

240

815WEST SPRINGFIELD.................. 10 425WEST STOCKBRIDGE ............... 1 139WEST TISBURY .......................... 27 088WESTWOOD ............................... 4 742WEYMOUTH................................ 9 721WHATELY.................................... 27 437WHITMAN.................................... 8 017WILBRAHAM ............................... 5 445WILLIAMSBURG ......................... 27 534WILLIAMSTOWN......................... 27 140WILMINGTON.............................. 4 652WINCHENDON............................ 3 924WINCHESTER............................. 3 625WINDSOR.................................... 1 186WINTHROP ................................. 13 810WOBURN..................................... 7 626WORCESTER.............................. 13 900WORTHINGTON ......................... 1 582WRENTHAM................................ 2 743

Y YARMOUTH ................................ 4 062

AMICA MUTUAL INSURANCE COMPANYEffective August 1, 2013




1 118.29 186.69 132.44 349.38 184.02 314.71 165.35 114.242 129.41 204.47 149.63 381.38 209.80 344.04 188.47 125.363 134.46 213.36 160.75 411.61 223.14 370.71 200.91 131.434 146.60 239.14 166.82 460.50 260.48 414.27 234.70 141.545 159.74 253.37 200.18 514.73 296.93 464.06 266.70 158.736 164.79 267.59 188.05 524.51 322.71 472.06 289.81 159.747 167.83 258.70 208.27 557.40 328.93 502.29 295.15 162.778 174.90 280.92 210.29 574.29 346.71 517.40 312.04 170.869 217.37 327.15 259.83 645.41 392.05 580.52 352.93 212.31

10 203.21 352.93 267.92 632.97 416.05 569.85 375.16 206.2411 196.13 384.05 263.87 622.30 418.72 560.07 376.94 223.4312 217.37 366.27 289.15 623.19 449.83 560.96 405.38 212.3113 270.95 435.61 340.71 683.64 496.06 615.19 445.39 263.8714 293.19 440.94 369.02 650.75 496.06 585.85 446.28 286.1115 336.66 474.73 374.07 626.75 517.40 564.52 465.84 322.5116 276.00 472.95 476.18 599.19 488.95 539.62 440.94 283.0817 222.42 378.71 270.95 643.64 381.38 578.74 343.15 223.4318 234.55 511.18 318.47 683.64 492.51 615.19 443.61 265.8919 263.87 462.28 349.81 604.52 462.28 544.96 416.05 293.1920 255.78 494.28 344.75 656.97 498.73 592.07 448.95 283.0821 323.52 513.84 483.26 658.75 540.51 592.96 486.28 448.8822 291.17 469.39 429.68 601.85 485.39 542.29 436.50 397.3223 221.41 432.94 343.74 608.97 448.06 547.62 403.61 225.4524 224.44 386.72 283.08 611.63 402.72 549.40 361.82 227.4825 221.41 436.50 298.25 613.41 462.28 552.07 416.05 241.6326 273.98 475.62 382.16 600.96 495.17 540.51 445.39 263.8727 102.11 170.69 113.23 312.93 155.58 281.81 140.46 105.1440 256.79 424.94 318.47 622.30 443.61 560.07 400.05 270.9541 265.89 420.50 349.81 624.08 467.61 560.96 420.50 272.9742 329.59 466.73 379.13 620.52 507.62 558.29 456.95 334.6443 304.31 474.73 382.16 637.41 522.73 574.29 470.28 328.5844 266.90 484.51 485.28 612.52 497.84 551.18 448.06 270.9545 332.62 491.62 398.33 673.86 549.40 606.30 493.40 345.76


1

CURRENT





1 49.39 74.29 55.57 137.71 76.10 123.22 68.86 49.392 52.48 80.63 60.71 148.58 84.26 134.09 75.20 51.453 57.62 84.26 64.83 161.27 89.69 144.96 79.73 55.574 59.68 93.32 67.91 178.48 102.38 160.36 92.41 58.655 64.83 96.94 78.20 196.60 114.16 176.67 103.28 64.836 65.86 102.38 75.12 201.13 125.03 180.29 112.34 64.837 72.03 106.00 87.47 229.22 136.81 205.66 122.31 69.978 73.06 111.44 86.44 227.41 139.52 204.76 125.03 71.009 90.55 127.75 103.93 252.77 155.83 228.31 140.43 86.44

10 83.35 136.81 105.99 241.00 163.08 216.53 146.77 82.3211 81.29 148.58 104.96 237.37 163.99 213.82 147.68 88.4912 87.47 142.24 113.19 237.37 175.76 213.82 158.55 84.3813 109.07 173.95 133.77 260.02 193.88 234.65 174.86 105.9914 122.45 183.01 149.21 256.40 200.23 231.03 181.20 117.3115 136.86 195.70 152.29 249.15 210.19 224.69 189.35 128.6316 115.25 194.79 191.39 236.47 197.51 212.91 177.58 117.3117 87.47 142.24 103.93 242.81 145.87 218.35 130.46 87.4718 90.55 189.35 120.39 250.06 184.82 224.69 165.80 102.9019 105.99 182.11 136.86 229.22 179.39 205.66 161.27 116.2820 105.99 203.85 139.94 258.21 201.13 232.84 181.20 120.3921 128.63 203.85 192.42 250.96 211.10 226.50 190.26 179.0522 126.57 203.85 189.34 251.87 207.47 226.50 186.64 173.9023 87.47 173.05 134.80 231.94 174.86 208.38 157.64 89.5224 90.55 149.49 112.16 232.84 157.64 209.29 142.24 90.5525 90.55 174.86 118.34 235.56 182.11 211.10 163.08 100.8426 110.10 190.26 150.23 231.03 194.79 208.38 175.76 107.0227 43.22 67.95 47.33 123.22 64.33 111.44 57.08 46.3140 108.05 174.86 129.65 245.53 179.39 220.16 162.17 111.1341 108.05 172.14 140.97 243.71 186.64 220.16 168.52 111.1342 135.83 192.98 155.38 246.43 205.66 221.97 185.73 135.8343 124.51 194.79 155.38 252.77 212.00 227.41 190.26 133.7744 111.13 198.41 195.51 241.90 202.04 218.35 181.20 113.1945 131.71 194.79 156.41 257.30 213.82 231.03 192.98 135.83


2

CURRENT





1 154.13 242.35 195.70 476.69 295.81 429.46 266.41 161.232 167.31 255.72 201.79 515.89 318.09 464.21 286.01 171.373 169.34 260.17 212.94 531.04 317.20 477.58 285.12 180.494 180.49 270.86 215.98 570.24 341.25 513.22 307.40 197.735 186.58 282.45 222.07 605.88 373.33 545.29 335.91 208.886 195.70 285.12 233.22 604.10 382.24 544.40 344.82 209.907 198.74 285.12 243.36 615.68 403.62 554.20 362.64 215.988 202.80 305.61 252.49 641.52 408.08 577.37 367.09 228.159 211.93 315.41 253.50 660.23 414.32 595.19 373.33 219.02

10 204.83 305.61 244.37 636.17 399.17 572.02 359.07 209.9011 203.81 327.89 252.49 638.85 402.73 574.70 361.75 214.9712 221.05 326.11 263.64 637.07 419.66 573.80 378.68 225.1113 244.37 344.82 277.84 674.49 444.61 607.66 400.95 244.3714 255.53 373.33 294.06 677.16 459.76 609.44 413.42 262.6315 270.74 406.30 309.27 680.72 491.83 613.01 442.83 275.8116 233.22 392.93 301.16 655.78 433.92 589.84 391.15 241.3317 217.00 366.20 259.58 661.12 385.80 595.19 347.49 217.0018 237.28 411.64 288.99 677.16 438.37 610.34 395.60 234.2319 240.32 393.82 287.98 637.07 410.75 573.80 369.77 232.2120 233.22 410.75 283.92 683.40 434.81 614.79 392.04 245.3921 275.81 453.52 331.58 674.49 488.27 606.77 439.26 276.8222 334.62 463.32 393.43 643.30 501.63 580.04 452.63 326.5123 198.74 398.28 291.02 645.08 426.79 580.04 384.02 218.0124 244.37 402.73 293.05 654.89 413.42 588.95 371.55 239.3025 232.21 436.59 291.02 656.67 457.97 591.62 412.53 245.3926 279.86 450.85 363.01 646.87 493.61 581.82 443.72 276.8227 150.07 232.55 177.45 454.41 263.74 408.97 237.01 150.0740 211.93 347.49 262.63 631.72 397.39 568.46 358.18 244.3741 217.00 341.25 273.78 636.17 425.01 572.91 383.13 229.1642 215.98 365.31 295.07 647.76 458.87 583.61 413.42 255.5343 259.58 392.04 306.23 676.27 486.49 607.66 437.48 263.6444 208.88 391.15 302.17 668.25 441.94 600.53 397.39 215.9845 265.67 395.60 303.19 680.72 486.49 613.01 437.48 270.74


3

CURRENT





1 19.67 34.73 24.84 59.41 31.99 53.93 29.25 19.672 20.70 37.47 26.91 64.89 35.65 58.50 31.99 20.703 21.74 39.30 28.98 70.38 38.39 63.07 34.73 21.744 23.81 44.79 31.05 78.60 44.79 70.38 39.30 23.815 25.88 47.53 36.23 88.66 50.27 79.52 45.70 27.956 26.91 50.27 34.16 89.57 54.84 80.43 49.36 27.957 27.95 48.44 37.26 95.06 55.75 85.00 50.27 27.958 27.95 52.10 38.30 97.80 58.50 88.66 53.01 28.989 36.23 60.32 47.61 109.68 66.72 98.71 59.41 35.19

10 34.16 61.24 48.65 102.37 69.46 93.23 62.15 34.1611 35.19 68.55 46.58 100.54 70.38 91.40 63.07 39.3312 37.26 65.81 51.75 101.45 75.86 91.40 68.55 40.3713 45.54 81.35 62.10 111.51 84.09 99.63 75.86 45.5414 49.68 83.17 65.21 106.02 83.17 95.97 74.03 48.6515 59.00 87.74 68.31 102.37 87.74 92.31 78.60 57.9616 63.14 82.26 79.70 95.97 82.26 86.83 74.03 65.2117 38.30 65.81 47.61 108.77 63.98 97.80 56.67 38.3018 47.61 91.40 56.93 109.68 83.17 98.71 74.95 54.8619 49.68 84.09 61.07 97.80 77.69 88.66 70.38 56.9320 51.75 90.49 63.14 106.02 82.26 95.97 74.03 60.0321 72.45 91.40 87.98 106.94 91.40 96.88 82.26 89.0122 65.21 83.17 80.73 96.88 82.26 87.74 74.03 79.7023 36.23 82.26 60.03 96.88 74.95 87.74 67.64 38.3024 37.26 65.81 48.65 96.88 65.81 87.74 59.41 39.3325 42.44 83.17 54.86 99.63 77.69 89.57 70.38 45.5426 51.75 83.17 65.21 96.88 83.17 87.74 74.03 51.7527 18.63 31.99 20.70 53.93 26.51 48.44 23.76 18.6340 41.40 76.78 56.93 100.54 74.95 90.49 67.64 43.4741 43.47 78.60 62.10 100.54 78.60 90.49 70.38 45.5442 54.86 85.92 66.24 100.54 85.00 89.57 76.78 57.9643 52.79 87.74 68.31 102.37 87.74 92.31 78.60 59.0044 56.93 84.09 80.73 97.80 83.17 87.74 74.03 65.2145 56.93 93.23 72.45 110.59 92.31 98.71 83.17 62.10


4

CURRENT





1 236.31 459.34 313.04 841.67 464.78 756.51 418.57 235.292 250.64 474.74 320.20 894.22 464.78 804.53 417.67 249.613 248.59 488.33 336.57 894.22 481.09 805.43 433.07 248.594 260.87 508.27 340.66 924.12 512.80 832.61 460.25 259.845 278.26 536.35 366.23 983.01 564.44 885.16 508.27 276.216 288.49 560.81 380.56 991.16 584.37 891.50 526.39 286.447 318.15 599.77 429.66 1032.84 638.73 928.65 575.31 313.048 309.97 564.44 425.57 980.29 606.11 882.44 544.51 307.929 325.31 592.52 425.57 1025.59 638.73 922.31 574.40 323.27

10 298.72 572.59 404.09 969.42 619.70 873.38 556.28 302.8111 320.20 632.39 436.82 934.09 620.61 839.86 557.19 318.1512 374.42 684.94 481.83 986.63 714.83 887.88 642.35 372.3713 383.63 632.39 521.73 1012.91 734.77 911.44 660.47 377.4914 424.55 701.24 567.77 990.26 768.29 890.60 690.37 422.5015 507.41 734.77 612.78 985.73 802.72 887.88 722.08 496.1616 441.94 702.15 545.26 948.58 673.16 853.45 606.11 425.5717 340.66 636.01 448.07 965.80 602.49 869.76 541.79 339.6418 407.15 689.47 517.64 925.03 693.09 833.52 624.23 397.9519 422.50 702.15 590.27 896.94 722.08 807.25 649.60 419.4320 483.88 751.07 614.82 976.67 771.01 877.91 693.09 470.5821 504.34 764.66 706.89 970.33 876.10 873.38 788.22 606.6422 558.56 756.51 725.31 961.27 846.20 865.23 761.95 751.9123 360.10 706.68 636.31 923.21 747.45 830.80 672.25 405.1124 403.06 692.18 568.79 936.80 710.30 844.39 639.64 401.0225 417.38 722.08 615.85 942.24 754.70 848.02 679.50 439.8926 488.99 714.83 670.07 896.94 778.25 807.25 700.34 537.0827 225.06 440.32 288.49 815.40 431.26 733.86 388.67 224.0440 362.14 616.99 495.13 931.37 669.53 837.14 603.40 369.3041 337.59 635.11 517.64 937.71 703.06 844.39 632.39 349.8742 389.76 680.41 590.27 932.27 749.26 838.05 674.97 380.5643 434.78 701.24 593.34 952.21 781.88 857.98 702.15 424.5544 388.74 692.18 512.52 936.80 649.60 844.39 585.28 374.4245 456.26 697.62 600.50 964.89 782.78 866.14 704.87 443.98


5

CURRENT





1 110.32 110.32 110.32 110.32 110.32 110.32 110.32 110.322 110.32 110.32 110.32 110.32 110.32 110.32 110.32 110.323 126.81 126.81 126.81 126.81 126.81 126.81 126.81 126.814 116.50 116.50 116.50 116.50 116.50 116.50 116.50 116.505 130.94 130.94 130.94 130.94 130.94 130.94 130.94 130.946 125.78 125.78 125.78 125.78 125.78 125.78 125.78 125.787 141.25 141.25 141.25 141.25 141.25 141.25 141.25 141.258 131.97 131.97 131.97 131.97 131.97 131.97 131.97 131.979 135.06 135.06 135.06 135.06 135.06 135.06 135.06 135.06

10 140.22 140.22 140.22 140.22 140.22 140.22 140.22 140.2211 146.40 146.40 146.40 146.40 146.40 146.40 146.40 146.4012 151.56 151.56 151.56 151.56 151.56 151.56 151.56 151.5613 188.67 188.67 188.67 188.67 188.67 188.67 188.67 188.6714 177.33 177.33 177.33 177.33 177.33 177.33 177.33 177.3315 224.76 224.76 224.76 224.76 224.76 224.76 224.76 224.7616 359.82 359.82 359.82 359.82 359.82 359.82 359.82 359.8217 127.84 127.84 127.84 127.84 127.84 127.84 127.84 127.8418 257.75 257.75 257.75 257.75 257.75 257.75 257.75 257.7519 282.49 282.49 282.49 282.49 282.49 282.49 282.49 282.4920 254.66 254.66 254.66 254.66 254.66 254.66 254.66 254.6621 348.48 348.48 348.48 348.48 348.48 348.48 348.48 348.4822 393.84 393.84 393.84 393.84 393.84 393.84 393.84 393.8423 235.07 235.07 235.07 235.07 235.07 235.07 235.07 235.0724 177.33 177.33 177.33 177.33 177.33 177.33 177.33 177.3325 267.03 267.03 267.03 267.03 267.03 267.03 267.03 267.0326 318.58 318.58 318.58 318.58 318.58 318.58 318.58 318.5827 106.19 106.19 106.19 106.19 106.19 106.19 106.19 106.1940 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.9041 163.93 163.93 163.93 163.93 163.93 163.93 163.93 163.9342 197.95 197.95 197.95 197.95 197.95 197.95 197.95 197.9543 211.36 211.36 211.36 211.36 211.36 211.36 211.36 211.3644 340.23 340.23 340.23 340.23 340.23 340.23 340.23 340.2345 224.76 224.76 224.76 224.76 224.76 224.76 224.76 224.76


6

CURRENT




Increased Limits Factors Flat Rates

Part 3 Part 12Part 4 (PDL) Part 5 (B) (U-1) (U-2)

Limit Factor Limit Factor Limit Rate Rate5,000 1.000 20/40 1.00 20/40 $13.83 $0.0010,000 1.204 20/50 1.01 20/50 14.82 1.0015,000 1.220 25/50 1.05 25/50 15.81 3.0025,000 1.242 25/60 1.06 25/60 16.80 4.0035,000 1.254 35/80 1.16 35/80 17.78 12.0050,000 1.265 50/100 1.27 50/100 18.77 21.00100,000 1.280 100/100 1.48 100/100 19.76 45.00

100/200 1.49 100/200 20.75 46.00100/300 1.50 100/300 21.74 47.00200/400 1.83 200/400 25.69 110.00250/500 1.94 250/500 26.68 131.00250/1000 1.99 250/1000 27.66 141.00300/500 2.18 300/500 29.64 185.00500/500 2.86 500/500 38.53 338.00500/1000 2.91 500/1000 39.52 348.00

Part 6Substitute Transportation (D)

Limit Private Passenger Motorcycle Limit Rate$15 day/$450 Maximum $12.46 $45.00 5,000 $20.16$20 day/$600 Maximum 26.99 60.00 10,000 27.22$30 day/$900 Maximum 56.05 90.00 15,000 34.27$40 day/$1,200 Maximum 99.65 141.00 20,000 37.30$45 day$1,350 Maximum 121.45 167.00 25,000 41.33$50 day/$1,500 Maximum 143.24 183.00 50,000 47.38$75 day/$2,250 Maximum 155.70 265.00 100,000 56.45$100 day/$3,000 Maximum 181.65 346.00 $5,000 Maximum, no per d 207.60 N/APrestige Rental Coverage

Towing and Labor Private Passengers and MotorcyclesAge of Vehicle 10 years or less $16.59Age of Vehicle greater than 10 years 20.74


Number of Named Insured Rate1 $212 39


77

CURRENT

AMICAMUTUALINSURANCECOMPANYEFFECTIVEAPRIL1,2008

MassachusettsPrivatePassengerAutomobileInsuranceRates

ImplicitSurchargeExclusionFactors

Unlessotherwisespecified,thebasiclimitsrateshownontheratepagesarefor$20,000/$40,000bodilyinjury(Parts1and5)and$5,000propertydamage(Part4).ThechargeforbodilyinjuryincreasedlimitsisdeterminedbyapplyingthefactorsshownontheIncreasedLimitsTablestothetotaloftheadjustedPart1premiumandPart5basiclimitspremiumandthensubtractingtheadjustedPart1premium.

AdjustedPart1premiumisdeterminedbyapplyingtheImplicitSurchargeExclusionFactortothePart1premiumappearingintheRatePagesfortheparticularterritoryandoperatorclassification.Theresultshouldberoundedtothenearestwholedollaramountonlyafterallcalculationshavebeencompleted.


1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.1002 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.1193 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.1024 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.0945 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.1296 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.1137 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.1248 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.1399 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.14510 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.10711 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.13812 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.18513 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.14414 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.20015 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.15616 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.21917 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.16218 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.22719 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.17020 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.15021 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.18322 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.29423 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.11124 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.25025 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.13226 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.13127 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.08940 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.05141 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.17742 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.08843 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.15444 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.19645 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

8

CURRENT



Model Year / Symbol FactorsPart 7 $500 Deductible (Collision)

Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)1 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 2 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 3 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 4 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 5 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 6 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 7 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 8 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581

10 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 11 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 12 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 13 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 14 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 15 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 16 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 17 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 18 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.99419 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.05820 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.15021 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.24222 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.33423 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.42624 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.56425 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.70226 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.84027 2.133 2.031 1.934 1.842 28 2.184 2.080 1.981 1.887 29 2.214 2.109 2.009 1.913 30 2.270 2.162 2.059 1.961 31 2.325 2.214 2.109 2.009 32 2.356 2.244 2.137 2.035 33 2.418 2.303 2.193 2.089 34 2.479 2.361 2.249 2.142 35 2.511 2.391 2.277 2.169 36 2.594 2.470 2.352 2.240 37 2.674 2.547 2.426 2.310




9

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)38 2.722 2.592 2.469 2.351 39 2.798 2.665 2.538 2.417

40 2.874 2.737 2.607 2.48341 2.907 2.769 2.637 2.51142 2.957 2.816 2.682 2.55443 3.048 2.903 2.765 2.63344 3.140 2.990 2.848 2.71245 3.173 3.022 2.878 2.74146 3.256 3.101 2.953 2.81247 3.337 3.178 3.027 2.88348 3.373 3.212 3.059 2.91349 3.424 3.261 3.106 2.95850 3.498 3.331 3.172 3.02151 3.569 3.399 3.237 3.08352 3.604 3.432 3.269 3.11353 3.657 3.483 3.317 3.15954 3.752 3.573 3.403 3.24155 3.846 3.663 3.489 3.32356 3.953 3.765 3.586 3.41557 4.059 3.866 3.682 3.50758 4.182 3.983 3.793 3.61259 4.302 4.097 3.902 3.71660 4.476 4.263 4.060 3.86761 4.650 4.429 4.218 4.01762 4.952 4.716 4.491 4.27763 5.235 4.986 4.749 4.52364 5.537 5.273 5.022 4.78365 5.821 5.544 5.280 5.02966 6.257 5.959 5.675 5.40567 6.843 6.517 6.207 5.91168 7.429 7.075 6.738 6.41769 8.014 7.632 7.269 6.92370 8.583 8.174 7.785 7.41471 9.169 8.732 8.316 7.92072 9.753 9.289 8.847 8.42673 10.340 9.848 9.379 8.93274 10.926 10.406 9.910 9.43875 11.511 10.963 10.441 9.944




10

CURRENT



Model Year / Symbol FactorsPart 9 $500 Deductible (Comprehensive)

Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)1 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 2 0.747 0.711 0.677 0.645 2 0.646 0.615 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 3 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 4 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 5 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 6 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 7 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 8 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751

10 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 11 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 12 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 13 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 14 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 15 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 16 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 17 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 18 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.25519 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.33620 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.45321 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.56922 1.460 1.390 1.324 1.261 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.68523 1.456 1.387 1.321 1.258 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.80124 1.453 1.384 1.318 1.255 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.97525 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.15026 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.32427 1.556 1.482 1.411 1.344 28 1.581 1.506 1.434 1.366 29 1.615 1.538 1.465 1.395 30 1.645 1.567 1.492 1.421 31 1.674 1.594 1.518 1.446 32 1.707 1.626 1.549 1.475 33 1.741 1.658 1.579 1.504 34 1.773 1.689 1.609 1.532 35 1.807 1.721 1.639 1.561 36 1.867 1.778 1.693 1.612 37 1.925 1.833 1.746 1.663




11

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)38 1.983 1.889 1.799 1.713 39 2.013 1.917 1.826 1.739

40 2.043 1.946 1.853 1.76541 2.092 1.992 1.897 1.80742 2.148 2.046 1.949 1.85643 2.204 2.099 1.999 1.90444 2.261 2.153 2.050 1.95245 2.309 2.199 2.094 1.99446 2.336 2.225 2.119 2.01847 2.364 2.251 2.144 2.04248 2.428 2.312 2.202 2.09749 2.492 2.373 2.260 2.15250 2.513 2.393 2.279 2.17051 2.533 2.412 2.297 2.18852 2.595 2.471 2.353 2.24153 2.647 2.521 2.401 2.28754 2.688 2.560 2.438 2.32255 2.729 2.599 2.475 2.35756 2.846 2.710 2.581 2.45857 2.962 2.821 2.687 2.55958 3.029 2.885 2.748 2.61759 3.095 2.948 2.808 2.67460 3.221 3.068 2.922 2.78361 3.348 3.189 3.037 2.89262 3.574 3.404 3.242 3.08863 3.809 3.628 3.455 3.29064 4.043 3.850 3.667 3.49265 4.269 4.066 3.872 3.68866 4.616 4.396 4.187 3.98867 5.084 4.842 4.611 4.39168 5.543 5.279 5.028 4.78969 6.004 5.718 5.446 5.18770 6.472 6.164 5.870 5.59071 6.938 6.608 6.293 5.99372 7.405 7.052 6.716 6.39673 7.871 7.496 7.139 6.79974 8.337 7.940 7.562 7.20275 8.803 8.384 7.985 7.605




12

CURRENT

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE FEBRUARY 1, 2011



Named Named Insured andDeductible Insured Household Members

100 2% 2%250 4% 5%500 8% 10%

1000 14% 19%2000 26% 35%4000 37% 48%8000 45% 59%

Limited Deductible Collision* Collision* Comprehensive*

0 N/A $8 N/A300 0.17*** $5 1.03500 1.00 1.00 1.00750 0.85 0.80 0.91

1000 0.63 0.54 0.751500 0.56 0.43 0.672000 0.48 0.32 0.622500 0.46 0.30 0.573000 0.44 0.28 0.534000 0.42 0.26 0.495000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84

* Charges based on $500 Deductible Premium** Applies to otherwise determined premium, including fire, theft and combined additional coverages*** Applied to $500 Deductible base to determine buyback charge.

13


LIMITED COLLISION

$500 Deductible - Charge 6% of the collision manual rate for the same model year


CURRENT

MassachusettsDeductible Discounts and Relativities

Collision Waiver ofDeductible Deductible Charge

300 $10500 $13750 $151000 $161500 $202000 $252500 $293000 $344000 $435000 $53


14

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE DECEMBER 1, 2009


CURRENT


EFFECTIVE SEPTEMBER 1, 2014


Merit Rating Plan



Merit

Rating

CodeAll Others

Insured 3‐5 Years with No Chargeable

Accidents in Last 3 Years

Insured 6 or More Years with No Chargeab


99 N/A N/A N/A

98 N/A N/A N/A

0 0.0% 0.0% 0.0%

1 7.5% 7.5% 7.5%

2 15.0% 15.0% 15.0%

3 22.5% 22.5% 22.5%

4 30.0% 30.0% 30.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%





Classes 20, 21, 25, 26

15

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others





99 N/A N/A N/A

98** ‐11.7% ‐11.7% ‐11.7%

0 0.0% 0.0% 0.0%

1 7.5% 5.0% 0.0%

2 15.0% 10.0% 0.0%

3 22.5% 15.0% 7.5%

4 30.0% 20.0% 10.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%






Classes 17 and 18

16

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others



Insured 6 or More Years with No

Chargeable Accidents in Last 3 Years

99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 82.5% 82.5% 82.5%

6 99.0% 99.0% 99.0%

7 115.5% 115.5% 115.5%

8 132.0% 132.0% 132.0%

9 148.5% 148.5% 148.5%

10 165.0% 165.0% 165.0%

11 181.5% 181.5% 181.5%

12 198.0% 198.0% 198.0%

13 214.5% 214.5% 214.5%

14 231.0% 231.0% 231.0%

15 247.5% 247.5% 247.5%

16 264.0% 264.0% 264.0%

17 280.5% 280.5% 280.5%

18 297.0% 297.0% 297.0%

19 313.5% 313.5% 313.5%

20 330.0% 330.0% 330.0%

21 346.5% 346.5% 346.5%

22 363.0% 363.0% 363.0%

23 379.5% 379.5% 379.5%

24 396.0% 396.0% 396.0%

25 412.5% 412.5% 412.5%

26 429.0% 429.0% 429.0%

27 445.5% 445.5% 445.5%

28 462.0% 462.0% 462.0%

29 478.5% 478.5% 478.5%

30 495.0% 495.0% 495.0%

31 511.5% 511.5% 511.5%

32 528.0% 528.0% 528.0%

33 544.5% 544.5% 544.5%

34 561.0% 561.0% 561.0%

35 577.5% 577.5% 577.5%

36 594.0% 594.0% 594.0%

37 610.5% 610.5% 610.5%

38 612.5% 612.5% 612.5%

39 643.5% 643.5% 643.5%

40 660.0% 660.0% 660.0%

41 676.5% 676.5% 676.5%

42 693.0% 693.0% 693.0%

43 709.5% 709.5% 709.5%

44 726.0% 726.0% 726.0%

45 742.5% 742.5% 742.5%





Classes 10,15 and 30 in Ranges 3 and 7 Only

17

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others





99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 88.0% 88.0%

6 104.5% 104.5% 104.5%

7 121.0% 121.0% 121.0%

8 160.5% 160.5% 160.5%

9 179.0% 179.0% 179.0%

10 197.0% 197.0% 197.0%

11 215.0% 215.0% 215.0%

12 233.0% 233.0% 233.0%

13 251.5% 251.5% 251.5%

14 269.5% 269.5% 269.5%

15 287.5% 287.5% 287.5%

16 305.5% 305.5% 305.5%

17 323.5% 323.5% 323.5%

18 342.0% 342.0% 342.0%

19 360.0% 360.0% 360.0%

20 378.0% 378.0% 378.0%

21 396.0% 396.0% 396.0%

22 414.0% 414.0% 414.0%

23 432.5% 432.5% 432.5%

24 450.5% 450.5% 450.5%

25 468.5% 468.5% 468.5%

26 486.5% 486.5% 486.5%

27 505.0% 505.0% 505.0%

28 523.0% 523.0% 523.0%

29 541.0% 541.0% 541.0%

30 559.0% 559.0% 559.0%

31 577.5% 577.5% 577.5%

32 595.5% 595.5% 595.5%

33 613.5% 613.5% 613.5%

34 631.5% 631.5% 631.5%

35 649.5% 649.5% 649.5%

36 668.0% 668.0% 668.0%

37 686.0% 686.0% 686.0%

38 704.0% 704.0% 704.0%

39 722.0% 722.0% 722.0%

40 740.5% 740.5% 740.5%

41 758.5% 758.5% 758.5%

42 776.5% 776.5% 776.5%

43 794.5% 794.5% 794.5%

44 812.5% 812.5% 812.5%

45 831.0% 831.0% 831.0%





Classes 10, 15 and 30 in Range 5

18

CURRENT

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE SEPTEMBER 1, 2014


Merit Rating Plan

Percentages to Apply to Otherwise Applicable Premiums*Parts 1, 2, 4 , and 7 Only

Merit Rating Code All Others





99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 88.0% 88.0%

6 104.5% 104.5% 104.5%

7 121.0% 121.0% 121.0%

8 156.0% 156.0% 156.0%

9 174.5% 174.5% 174.5%

10 192.5% 192.5% 192.5%

11 210.5% 210.5% 210.5%

12 229.0% 229.0% 229.0%

13 247.0% 247.0% 247.0%

14 265.0% 265.0% 265.0%

15 283.5% 283.5% 283.5%

16 301.5% 301.5% 301.5%

17 319.5% 319.5% 319.5%

18 337.5% 337.5% 337.5%

19 356.0% 356.0% 356.0%

20 374.0% 374.0% 374.0%

21 392.0% 392.0% 392.0%

22 410.5% 410.5% 410.5%

23 428.5% 428.5% 428.5%

24 446.5% 446.5% 446.5%

25 465.0% 465.0% 465.0%

26 483.0% 483.0% 483.0%

27 501.0% 501.0% 501.0%

28 519.0% 519.0% 519.0%

29 537.5% 537.5% 537.5%

30 555.5% 555.5% 555.5%

31 573.5% 573.5% 573.5%

32 592.0% 592.0% 592.0%

33 610.0% 610.0% 610.0%

34 628.0% 628.0% 628.0%

35 646.5% 646.5% 646.5%

36 664.5% 664.5% 664.5%

37 682.5% 682.5% 682.5%

38 700.5% 700.5% 700.5%

39 719.0% 719.0% 719.0%

40 737.0% 737.0% 737.0%

41 755.0% 755.0% 755.0%

42 773.5% 773.5% 773.5%

43 791.5% 791.5% 791.5%

44 809.5% 809.5% 809.5%

45 828.0% 828.0% 828.0%






19

CURRENT





1 123.73 195.28 138.53 365.45 192.48 329.19 172.96 119.502 135.36 213.88 156.51 398.92 219.45 359.87 197.14 131.133 140.65 223.17 168.14 430.54 233.40 387.76 210.15 137.484 153.34 250.14 174.49 481.68 272.46 433.33 245.50 148.055 167.09 265.03 209.39 538.41 310.59 485.41 278.97 166.036 172.37 279.90 196.70 548.64 337.55 493.77 303.14 167.097 175.55 270.60 217.85 583.04 344.06 525.40 308.73 170.268 182.95 293.84 219.96 600.71 362.66 541.20 326.39 178.729 227.37 342.20 271.78 675.10 410.08 607.22 369.16 222.0810 212.56 369.16 280.24 662.09 435.19 596.06 392.42 215.7311 205.15 401.72 276.01 650.93 437.98 585.83 394.28 233.7112 227.37 383.12 302.45 651.86 470.52 586.76 424.03 222.0813 283.41 455.65 356.38 715.09 518.88 643.49 465.88 276.0114 306.68 461.22 385.99 680.68 518.88 612.80 466.81 299.2715 352.15 496.57 391.28 655.58 541.20 590.49 487.27 337.3516 288.70 494.71 498.08 626.75 511.44 564.44 461.22 296.1017 232.65 396.13 283.41 673.25 398.92 605.36 358.93 233.7118 245.34 534.69 333.12 715.09 515.17 643.49 464.02 278.1219 276.01 483.54 365.90 632.33 483.54 570.03 435.19 306.6820 267.55 517.02 360.61 687.19 521.67 619.31 469.60 296.1021 338.40 537.48 505.49 689.05 565.37 620.24 508.65 469.5322 304.56 490.98 449.45 629.54 507.72 567.24 456.58 415.6023 231.59 452.86 359.55 636.98 468.67 572.81 422.18 235.8224 234.76 404.51 296.10 639.76 421.25 574.67 378.46 237.9425 231.59 456.58 311.97 641.63 483.54 577.47 435.19 252.7426 286.58 497.50 399.74 628.60 517.95 565.37 465.88 276.0127 106.81 178.54 118.44 327.32 162.74 294.77 146.92 109.9840 268.60 444.49 333.12 650.93 464.02 585.83 418.45 283.4141 278.12 439.84 365.90 652.79 489.12 586.76 439.84 285.5342 344.75 488.20 396.57 649.06 530.97 583.97 477.97 350.0343 318.31 496.57 399.74 666.73 546.78 600.71 491.91 343.6944 279.18 506.80 507.60 640.70 520.74 576.53 468.67 283.4145 347.92 514.23 416.65 704.86 574.67 634.19 516.10 361.66


1

PROPOSED





1 52.06 78.30 58.57 145.15 80.21 129.87 72.58 52.062 55.00 84.50 63.62 155.71 88.30 140.53 78.81 53.923 60.50 88.47 68.07 169.33 94.17 152.21 83.72 58.354 62.78 98.17 71.44 187.76 107.70 168.70 97.22 61.705 68.27 102.08 82.34 207.02 120.21 186.03 108.75 68.276 68.63 106.68 78.28 209.58 130.28 187.86 117.06 67.557 75.92 111.72 92.19 241.60 144.20 216.77 128.91 73.758 76.93 117.35 91.02 239.46 146.91 215.61 131.66 74.769 95.44 134.65 109.54 266.42 164.24 240.64 148.01 91.1110 87.85 144.20 111.71 254.01 171.89 228.22 154.70 86.7711 85.68 156.60 110.63 250.19 172.85 225.37 155.65 93.2712 92.19 149.92 119.30 250.19 185.25 225.37 167.11 88.9413 114.96 183.34 140.99 274.06 204.35 247.32 184.30 111.7114 129.06 192.89 157.27 270.25 211.04 243.51 190.98 123.6415 144.25 206.27 160.51 262.60 221.54 236.82 199.57 135.5816 121.47 205.31 201.73 249.24 208.18 224.41 187.17 123.6417 93.07 151.34 110.58 258.35 155.21 232.32 138.81 93.0718 95.44 199.57 126.89 263.56 194.80 236.82 174.75 108.4619 111.71 191.94 144.25 241.60 189.08 216.77 169.98 122.5620 111.71 214.86 147.50 272.15 211.99 245.41 190.98 126.8921 135.58 214.86 202.81 264.51 222.50 238.73 200.53 188.7222 133.40 214.86 199.56 265.47 218.67 238.73 196.72 183.2923 92.19 182.39 142.08 244.46 184.30 219.63 166.15 94.3524 94.81 156.52 117.43 243.78 165.05 219.13 148.93 94.8125 95.44 184.30 124.73 248.28 191.94 222.50 171.89 106.2926 116.05 200.53 158.34 243.51 205.31 219.63 185.25 112.8027 45.29 71.21 49.60 129.13 67.42 116.79 59.82 48.5340 113.88 184.30 136.65 258.79 189.08 232.05 170.93 117.1341 113.88 181.44 148.58 256.87 196.72 232.05 177.62 117.1342 143.16 203.40 163.77 259.74 216.77 233.96 195.76 143.1643 131.23 205.31 163.77 266.42 223.45 239.69 200.53 140.9944 117.13 209.12 206.07 254.96 212.95 230.14 190.98 119.3045 138.82 205.31 164.86 271.19 225.37 243.51 203.40 143.16


2

PROPOSED





1 166.15 261.25 210.96 513.87 318.88 462.96 287.19 173.812 180.36 275.67 217.53 556.13 342.90 500.42 308.32 184.743 182.55 280.46 229.55 572.46 341.94 514.83 307.36 194.574 194.57 291.99 232.83 614.72 367.87 553.25 331.38 213.155 201.13 304.48 239.39 653.14 402.45 587.82 362.11 225.176 210.96 307.36 251.41 651.22 412.05 586.86 371.72 226.277 214.24 307.36 262.34 663.70 435.10 597.43 390.93 232.838 218.62 329.45 272.18 691.56 439.91 622.40 395.72 245.959 228.46 340.01 273.27 711.73 446.64 641.61 402.45 236.1010 220.81 329.45 263.43 685.79 430.31 616.64 387.08 226.2711 219.71 353.47 272.18 688.68 434.14 619.53 389.97 231.7412 238.29 351.55 284.20 686.76 452.39 618.56 408.22 242.6713 263.43 371.72 299.51 727.10 479.29 655.06 432.22 263.4314 275.46 402.45 317.00 729.98 495.62 656.98 445.67 283.1215 291.86 437.99 333.39 733.82 530.19 660.82 477.37 297.3216 251.41 423.58 324.65 706.93 467.77 635.85 421.66 260.1517 233.93 394.76 279.83 712.69 415.89 641.61 374.59 233.9318 255.79 443.75 311.53 729.98 472.56 657.95 426.46 252.5019 259.06 424.54 310.44 686.76 442.79 618.56 398.61 250.3220 251.41 442.79 306.07 736.71 468.73 662.74 422.62 264.5321 297.32 488.89 357.44 727.10 526.36 654.10 473.52 298.4122 360.72 499.46 424.12 693.48 540.76 625.28 487.94 351.9823 214.24 429.35 313.72 695.40 460.08 625.28 413.97 235.0124 263.43 434.14 315.91 705.97 445.67 634.89 400.53 257.9725 250.32 470.64 313.72 707.89 493.69 637.77 444.71 264.5326 301.69 486.02 391.32 697.33 532.11 627.20 478.33 298.4127 161.78 250.69 191.29 489.85 284.31 440.87 255.50 161.7840 228.46 374.59 283.12 680.99 428.39 612.80 386.12 263.4341 233.93 367.87 295.13 685.79 458.16 617.60 413.01 247.0342 232.83 393.80 318.09 698.29 494.66 629.13 445.67 275.4643 279.83 422.62 330.12 729.02 524.44 655.06 471.60 284.2044 225.17 421.66 325.74 720.37 476.41 647.37 428.39 232.8345 286.39 426.46 326.84 733.82 524.44 660.82 471.60 291.86


3

PROPOSED


MasschusettsPrivate Passenger Automobile Insurance Rates



1 20.57 36.33 25.98 62.14 33.46 56.41 30.60 20.572 21.65 39.19 28.15 67.87 37.29 61.19 33.46 21.653 22.74 41.11 30.31 73.62 40.16 65.97 36.33 22.744 24.91 46.85 32.48 82.22 46.85 73.62 41.11 24.915 27.07 49.72 37.90 92.74 52.58 83.18 47.80 29.246 28.15 52.58 35.73 93.69 57.36 84.13 51.63 29.247 29.24 50.67 38.97 99.43 58.31 88.91 52.58 29.248 29.24 54.50 40.06 102.30 61.19 92.74 55.45 30.319 37.90 63.09 49.80 114.73 69.79 103.25 62.14 36.8110 35.73 64.06 50.89 107.08 72.66 97.52 65.01 35.7311 36.81 71.70 48.72 105.16 73.62 95.60 65.97 41.1412 38.97 68.84 54.13 106.12 79.35 95.60 71.70 42.2313 47.63 85.09 64.96 116.64 87.96 104.21 79.35 47.6314 51.97 87.00 68.21 110.90 87.00 100.38 77.44 50.8915 61.71 91.78 71.45 107.08 91.78 96.56 82.22 60.6316 66.04 86.04 83.37 100.38 86.04 90.82 77.44 68.2117 40.06 68.84 49.80 113.77 66.92 102.30 59.28 40.0618 49.80 95.60 59.55 114.73 87.00 103.25 78.40 57.3819 51.97 87.96 63.88 102.30 81.26 92.74 73.62 59.5520 54.13 94.65 66.04 110.90 86.04 100.38 77.44 62.7921 75.78 95.60 92.03 111.86 95.60 101.34 86.04 93.1022 68.21 87.00 84.44 101.34 86.04 91.78 77.44 83.3723 37.90 86.04 62.79 101.34 78.40 91.78 70.75 40.0624 38.97 68.84 50.89 101.34 68.84 91.78 62.14 41.1425 44.39 87.00 57.38 104.21 81.26 93.69 73.62 47.6326 54.13 87.00 68.21 101.34 87.00 91.78 77.44 54.1327 19.49 33.46 21.65 56.41 27.73 50.67 24.85 19.4940 43.30 80.31 59.55 105.16 78.40 94.65 70.75 45.4741 45.47 82.22 64.96 105.16 82.22 94.65 73.62 47.6342 57.38 89.87 69.29 105.16 88.91 93.69 80.31 60.6343 55.22 91.78 71.45 107.08 91.78 96.56 82.22 61.7144 59.55 87.96 84.44 102.30 87.00 91.78 77.44 68.2145 59.55 97.52 75.78 115.68 96.56 103.25 87.00 64.96


4

PROPOSED





1 251.67 489.20 333.39 896.38 494.99 805.68 445.78 250.582 266.93 505.60 341.01 952.34 494.99 856.82 444.82 265.833 264.75 520.07 358.45 952.34 512.36 857.78 461.22 264.754 277.83 541.31 362.80 984.19 546.13 886.73 490.17 276.735 296.35 571.21 390.03 1046.91 601.13 942.70 541.31 294.166 307.24 597.26 405.30 1055.59 622.35 949.45 560.61 305.067 329.60 621.36 445.13 1070.02 661.72 962.08 596.02 324.318 330.12 601.13 453.23 1044.01 645.51 939.80 579.90 327.939 346.46 631.03 453.23 1092.25 680.25 982.26 611.74 344.2810 318.14 609.81 430.36 1032.43 659.98 930.15 592.44 322.4911 341.01 673.50 465.21 994.81 660.95 894.45 593.41 338.8312 398.76 729.46 513.15 1050.76 761.29 945.59 684.10 396.5713 408.57 673.50 555.64 1078.75 782.53 970.68 703.40 402.0314 452.15 746.82 604.68 1054.63 818.23 948.49 735.24 449.9615 540.39 782.53 652.61 1049.80 854.90 945.59 769.02 528.4116 470.67 747.79 580.70 1010.24 716.92 908.92 645.51 453.2317 362.80 677.35 477.19 1028.58 641.65 926.29 577.01 361.7218 433.61 734.29 551.29 985.16 738.14 887.70 664.80 423.8219 440.67 732.34 615.65 935.51 753.13 841.96 677.53 437.4720 515.33 799.89 654.78 1040.15 821.13 934.97 738.14 501.1721 537.12 814.36 752.84 1033.40 933.05 930.15 839.45 646.0722 594.87 805.68 772.46 1023.75 901.20 921.47 811.48 800.7823 380.27 746.25 671.94 974.91 789.31 877.32 709.90 427.8024 429.26 737.17 605.76 997.69 756.47 899.28 681.22 427.0925 442.01 764.68 652.19 997.83 799.23 898.05 719.59 465.8426 520.77 761.29 713.62 955.24 828.84 859.72 745.86 571.9927 239.69 468.94 307.24 868.40 459.29 781.56 413.93 238.6040 379.88 647.22 519.39 977.01 702.34 878.16 632.97 387.4041 359.53 676.39 551.29 998.66 748.76 899.28 673.50 372.6142 415.09 724.64 628.64 992.87 797.96 892.52 718.84 405.3043 463.04 746.82 631.91 1014.10 832.70 913.75 747.79 452.1544 414.01 737.17 545.83 997.69 691.82 899.28 623.32 398.7645 485.92 742.97 639.53 1027.61 833.66 922.44 750.69 472.84


5

PROPOSED





1 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.632 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.633 130.61 130.61 130.61 130.61 130.61 130.61 130.61 130.614 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.005 134.87 134.87 134.87 134.87 134.87 134.87 134.87 134.876 129.55 129.55 129.55 129.55 129.55 129.55 129.55 129.557 145.35 145.35 145.35 145.35 145.35 145.35 145.35 145.358 135.80 135.80 135.80 135.80 135.80 135.80 135.80 135.809 139.11 139.11 139.11 139.11 139.11 139.11 139.11 139.1110 144.43 144.43 144.43 144.43 144.43 144.43 144.43 144.4311 150.06 150.06 150.06 150.06 150.06 150.06 150.06 150.0612 155.05 155.05 155.05 155.05 155.05 155.05 155.05 155.0513 191.88 191.88 191.88 191.88 191.88 191.88 191.88 191.8814 180.34 180.34 180.34 180.34 180.34 180.34 180.34 180.3415 229.26 229.26 229.26 229.26 229.26 229.26 229.26 229.2616 367.74 367.74 367.74 367.74 367.74 367.74 367.74 367.7417 131.68 131.68 131.68 131.68 131.68 131.68 131.68 131.6818 261.10 261.10 261.10 261.10 261.10 261.10 261.10 261.1019 289.55 289.55 289.55 289.55 289.55 289.55 289.55 289.5520 256.95 256.95 256.95 256.95 256.95 256.95 256.95 256.9521 353.01 353.01 353.01 353.01 353.01 353.01 353.01 353.0122 402.90 402.90 402.90 402.90 402.90 402.90 402.90 402.9023 242.12 242.12 242.12 242.12 242.12 242.12 242.12 242.1224 181.05 181.05 181.05 181.05 181.05 181.05 181.05 181.0525 272.64 272.64 272.64 272.64 272.64 272.64 272.64 272.6426 324.95 324.95 324.95 324.95 324.95 324.95 324.95 324.9527 109.38 109.38 109.38 109.38 109.38 109.38 109.38 109.3840 165.02 165.02 165.02 165.02 165.02 165.02 165.02 165.0241 166.39 166.39 166.39 166.39 166.39 166.39 166.39 166.3942 203.69 203.69 203.69 203.69 203.69 203.69 203.69 203.6943 217.70 217.70 217.70 217.70 217.70 217.70 217.70 217.7044 344.65 344.65 344.65 344.65 344.65 344.65 344.65 344.6545 231.50 231.50 231.50 231.50 231.50 231.50 231.50 231.50


6

PROPOSED


EFFECTIVE DECEMBER 1, 2015




Part 3 Part 12

(U-1) (U-2)


5,000 1.000 20/40 1.00 20/40 $14.23 $0.00

10,000 1.204 20/50 1.01 20/50 $15.25 $1.04

15,000 1.220 25/50 1.05 25/50 $16.27 $3.11

20,000 1.232 25/60 1.06 25/60 $17.29 $4.14

25,000 1.242 35/80 1.16 35/80 $18.30 $12.43

30,000 1.249 50/100 1.27 50/100 $19.31 $21.76

35,000 1.254 100/100 1.48 100/100 $20.33 $46.62

40,000 1.258 100/200 1.49 100/200 $21.35 $47.66

45,000 1.262 100/300 1.50 100/300 $22.37 $48.69

50,000 1.265 200/400 1.83 200/400 $26.44 $113.96

75,000 1.274 250/500 1.94 250/500 $27.45 $135.72

80,000 1.275 250/1000 1.99 250/1000 $28.46 $146.08

100,000 1.280 300/500 2.18 300/500 $30.50 $191.66

150,000 1.292 500/500 2.86 500/500 $39.65 $350.17

200,000 1.303 500/1000 2.91 500/1000 $40.67 $360.53

250,000 1.309

300,000 1.314

400,000 1.323

500,000 1.329

750,000 1.338

1,000,000 1.348

Part 6



$15 day/$450 Maximum $12.83 $46.35 5,000 $21.43

$20 day/$600 Maximum 27.80 61.80 10,000 28.93

$30 day/$900 Maximum 57.73 92.70 15,000 36.43

$40 day/$1,200 Maximum 102.64 145.23 20,000 39.65

$45 day$1,350 Maximum 125.09 172.01 25,000 43.93

$50 day/$1,500 Maximum 147.54 188.49 50,000 50.36

$75 day/$2,250 Maximum 160.37 272.95 100,000 60.01

$100 day/$3,000 Maximum 187.10 356.38




$50.00 Limit



$100.00 Limit





1 $21

2 39


7


Flat Rates

PROPOSED







20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 1000

40 1.00 1.05 1.11 1.19

45 1.05 1.11 1.19

50 1.01 1.05 1.11 1.19 1.26

60 1.06

70 1.01 1.06 1.11 1.20 1.26

80 1.16

100 1.02 1.07 1.12 1.20 1.27 1.48

150 1.02 1.07 1.13 1.21 1.28 1.49 1.67

200 1.02 1.08 1.13 1.21 1.28 1.49 1.68 1.81

250 1.02 1.08 1.13 1.22 1.28 1.50 1.69 1.82 1.92

300 1.03 1.08 1.13 1.22 1.29 1.50 1.69 1.82 1.93 2.15

350 1.29 1.50 1.69 1.83 1.93 2.16

400 1.29 1.51 1.70 1.83 1.93 2.17 2.55

500 1.29 1.51 1.70 1.84 1.94 2.18 2.56 2.86

600 1.30 1.52 1.71 1.84 1.95 2.19 2.58 2.87 2.98

700 1.30 1.52 1.71 1.84 1.96 2.20 2.59 2.88 2.98 3.05

800 1.30 1.52 1.71 1.85 1.97 2.21 2.60 2.89 2.98 3.05 3.11

900 1.30 1.53 1.72 1.85 1.98 2.22 2.60 2.90 2.99 3.05 3.11 3.17

1000 1.30 1.53 1.72 1.85 1.99 2.23 2.61 2.91 2.99 3.06 3.12 3.17 3.21


45/45 1.23

750/750 3.08

LIMIT P

ER ACCIDEN

T (000's)

8

PROPOSED

AMICA MUTUAL INSURANCE COMPANYEffective December 1, 2015





40 14.23 16.27 17.29 18.3045 16.27 17.29 18.3050 15.25 16.27 17.29 18.30 19.3160 17.2970 15.25 17.29 18.30 18.30 19.3180 18.30100 15.25 17.29 18.30 18.30 19.31 20.33150 15.25 17.29 18.30 18.30 19.31 21.35 24.40200 15.25 17.29 18.30 18.30 19.31 21.35 24.40 26.44250 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45300 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45 30.50350 19.31 22.37 24.40 26.44 27.45 30.50400 19.31 22.37 24.40 26.44 27.45 30.50 35.58500 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65600 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65 41.68700 19.31 22.37 25.42 26.44 27.45 30.50 35.58 39.65 41.68 42.70800 19.31 22.37 25.42 26.44 28.46 30.50 35.58 40.67 41.68 42.70 42.70900 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.711000 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71 44.73




40 0.00 3.11 8.29 14.5045 3.11 8.29 15.5450 1.04 3.11 8.29 15.54 20.7260 4.1470 1.04 4.14 8.29 15.54 21.7680 12.43100 1.04 5.18 9.32 16.58 21.76 46.62150 1.04 5.18 9.32 16.58 22.79 47.66 82.88200 2.07 5.18 10.36 16.58 22.79 47.66 83.92 110.85250 2.07 6.22 10.36 17.61 23.83 48.69 84.95 111.89 132.61300 2.07 6.22 10.36 17.61 23.83 48.69 85.99 112.92 133.64 183.37350 23.83 49.73 87.02 112.92 133.64 186.48400 23.83 49.73 87.02 113.96 134.68 188.55 277.65500 24.86 50.76 88.06 115.00 135.72 191.66 280.76 350.17600 24.86 51.80 89.10 116.03 138.82 194.77 283.86 353.28 368.82700 24.86 52.84 90.13 117.07 140.90 196.84 285.94 355.35 369.85 378.14800 25.90 52.84 90.13 117.07 142.97 198.91 288.01 357.42 369.85 378.14 386.43900 25.90 53.87 91.17 118.10 144.00 200.98 290.08 358.46 370.89 379.18 386.43 392.641000 25.90 53.87 91.17 118.10 146.08 202.02 292.15 360.53 370.89 379.18 386.43 392.64 398.86


750/750 382.28LIM

IT PER

ACCIDEN

T (000's)

LIMIT P

ER ACCIDEN

T (000's)

9

PROPOSED



Implicit Surcharge Exclusion Rates









Territory 10 17 18 20 21 25 26 30

1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.100

2 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.119

3 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.102

4 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.094

5 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.129

6 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.113

7 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.124

8 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.139

9 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.145

10 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.107

11 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.138

12 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.185

13 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.144

14 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.200

15 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.156

16 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.219

17 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.162

18 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.227

19 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.170

20 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.150

21 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.183

22 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.294

23 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.111

24 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.250

25 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.132

26 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.131

27 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.089

40 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.051

41 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.177

42 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.088

43 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.154

44 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.196

45 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

8 10

PROPOSED






1990 1989


(a) (b) (c)

1 0.831 0.791 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 0.117

2 1.037 0.988 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 0.135

3 1.097 1.045 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 0.161

4 1.162 1.107 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 0.193

5 1.232 1.173 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 0.228

6 1.306 1.244 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 0.266

7 1.347 1.283 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 0.314

8 1.387 1.321 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581 0.372

10 1.474 1.404 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 0.436

11 1.563 1.489 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 0.520

12 1.612 1.535 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 0.612

13 1.660 1.581 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 0.728

14 1.715 1.633 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 0.865

15 1.766 1.682 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 1.021

16 1.823 1.736 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 1.214

17 1.877 1.788 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 1.444

18 1.938 1.846 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.994 1.661

19 1.997 1.902 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.058 1.877

20 2.062 1.964 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.150 2.094

21 2.124 2.023 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.242 2.310

22 2.175 2.071 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.334

23 2.195 2.090 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.426

24 2.212 2.107 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.564

25 2.262 2.154 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.702

26 2.293 2.184 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.840

27 2.352 2.240 2.133 2.031 1.934 1.842

28 2.408 2.293 2.184 2.080 1.981 1.887

29 2.441 2.325 2.214 2.109 2.009 1.913

30 2.503 2.384 2.270 2.162 2.059 1.961

31 2.563 2.441 2.325 2.214 2.109 2.009

32 2.598 2.474 2.356 2.244 2.137 2.035

33 2.666 2.539 2.418 2.303 2.193 2.089

34 2.733 2.603 2.479 2.361 2.249 2.142

35 2.769 2.637 2.511 2.391 2.277 2.169

36 2.860 2.724 2.594 2.470 2.352 2.240

37 2.948 2.808 2.674 2.547 2.426 2.310




11

PROPOSED






1990 1989


(a) (b) (c)

38 3.001 2.858 2.722 2.592 2.469 2.351

39 3.085 2.938 2.798 2.665 2.538 2.417

40 3.169 3.018 2.874 2.737 2.607 2.483

41 3.205 3.052 2.907 2.769 2.637 2.511

42 3.260 3.105 2.957 2.816 2.682 2.554

43 3.360 3.200 3.048 2.903 2.765 2.633

44 3.462 3.297 3.140 2.990 2.848 2.712

45 3.499 3.332 3.173 3.022 2.878 2.741

46 3.590 3.419 3.256 3.101 2.953 2.812

47 3.679 3.504 3.337 3.178 3.027 2.883

48 3.719 3.542 3.373 3.212 3.059 2.913

49 3.775 3.595 3.424 3.261 3.106 2.958

50 3.857 3.673 3.498 3.331 3.172 3.021

51 3.934 3.747 3.569 3.399 3.237 3.083

52 3.973 3.784 3.604 3.432 3.269 3.113

53 4.032 3.840 3.657 3.483 3.317 3.159

54 4.137 3.940 3.752 3.573 3.403 3.241

55 4.240 4.038 3.846 3.663 3.489 3.323

56 4.359 4.151 3.953 3.765 3.586 3.415

57 4.475 4.262 4.059 3.866 3.682 3.507

58 4.611 4.391 4.182 3.983 3.793 3.612

59 4.743 4.517 4.302 4.097 3.902 3.716

60 4.935 4.700 4.476 4.263 4.060 3.867

61 5.127 4.883 4.650 4.429 4.218 4.017

62 5.460 5.200 4.952 4.716 4.491 4.277

63 5.772 5.497 5.235 4.986 4.749 4.523

64 6.105 5.814 5.537 5.273 5.022 4.783

65 6.418 6.112 5.821 5.544 5.280 5.029

66 6.899 6.570 6.257 5.959 5.675 5.405

67 7.544 7.185 6.843 6.517 6.207 5.911

68 8.190 7.800 7.429 7.075 6.738 6.417

69 8.836 8.415 8.014 7.632 7.269 6.923

70 9.463 9.012 8.583 8.174 7.785 7.414

71 10.108 9.627 9.169 8.732 8.316 7.920

72 10.753 10.241 9.753 9.289 8.847 8.426

73 11.400 10.857 10.340 9.848 9.379 8.932

74 12.046 11.472 10.926 10.406 9.910 9.438

75 12.691 12.087 11.511 10.963 10.441 9.944




12

PROPOSED






Model Year

1990 1989


(a) (b) (c)

1 0.671 0.639 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 0.126

2 0.823 0.784 0.747 0.711 0.677 0.645 2 0.646 0.62 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 0.154

3 0.865 0.824 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 0.186

4 0.908 0.865 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 0.220

5 0.958 0.912 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 0.263

6 1.012 0.964 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 0.311

7 1.038 0.989 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 0.377

8 1.065 1.014 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751 0.451

10 1.121 1.068 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 0.539

11 1.184 1.128 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 0.643

12 1.218 1.160 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 0.776

13 1.251 1.191 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 0.932

14 1.285 1.224 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 1.121

15 1.320 1.257 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 1.342

16 1.359 1.294 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 1.616

17 1.394 1.328 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 1.941

18 1.434 1.366 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.255 2.232

19 1.474 1.404 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.336 2.523

20 1.515 1.443 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.453 2.814

21 1.558 1.484 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.569 3.106

22 1.581 1.506 1.434 1.366 1.301 1.239 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.685

23 1.603 1.527 1.454 1.385 1.319 1.257 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.801

24 1.626 1.549 1.475 1.405 1.338 1.274 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.975

25 1.650 1.571 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.150

26 1.687 1.607 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.324

27 1.716 1.634 1.556 1.482 1.411 1.344

28 1.743 1.660 1.581 1.506 1.434 1.366

29 1.781 1.696 1.615 1.538 1.465 1.395

30 1.813 1.727 1.645 1.567 1.492 1.421

31 1.846 1.758 1.674 1.594 1.518 1.446

32 1.882 1.792 1.707 1.626 1.549 1.475

33 1.919 1.828 1.741 1.658 1.579 1.504

34 1.955 1.862 1.773 1.689 1.609 1.532

35 1.992 1.897 1.807 1.721 1.639 1.561

36 2.058 1.960 1.867 1.778 1.693 1.612

37 2.122 2.021 1.925 1.833 1.746 1.663




13

PROPOSED






Model Year

1990 1989


(a) (b) (c)

38 2.186 2.082 1.983 1.889 1.799 1.713

39 2.220 2.114 2.013 1.917 1.826 1.739

40 2.252 2.145 2.043 1.946 1.853 1.765

41 2.307 2.197 2.092 1.992 1.897 1.807

42 2.368 2.255 2.148 2.046 1.949 1.856

43 2.430 2.314 2.204 2.099 1.999 1.904

44 2.493 2.374 2.261 2.153 2.050 1.952

45 2.545 2.424 2.309 2.199 2.094 1.994

46 2.576 2.453 2.336 2.225 2.119 2.018

47 2.606 2.482 2.364 2.251 2.144 2.042

48 2.676 2.549 2.428 2.312 2.202 2.097

49 2.748 2.617 2.492 2.373 2.260 2.152

50 2.771 2.639 2.513 2.393 2.279 2.170

51 2.793 2.660 2.533 2.412 2.297 2.188

52 2.861 2.725 2.595 2.471 2.353 2.241

53 2.918 2.779 2.647 2.521 2.401 2.287

54 2.963 2.822 2.688 2.560 2.438 2.322

55 3.008 2.865 2.729 2.599 2.475 2.357

56 3.137 2.988 2.846 2.710 2.581 2.458

57 3.266 3.110 2.962 2.821 2.687 2.559

58 3.339 3.180 3.029 2.885 2.748 2.617

59 3.413 3.250 3.095 2.948 2.808 2.674

60 3.551 3.382 3.221 3.068 2.922 2.783

61 3.691 3.515 3.348 3.189 3.037 2.892

62 3.941 3.753 3.574 3.404 3.242 3.088

63 4.199 3.999 3.809 3.628 3.455 3.290

64 4.457 4.245 4.043 3.850 3.667 3.492

65 4.706 4.482 4.269 4.066 3.872 3.688

66 5.089 4.847 4.616 4.396 4.187 3.988

67 5.605 5.338 5.084 4.842 4.611 4.391

68 6.111 5.820 5.543 5.279 5.028 4.789

69 6.619 6.304 6.004 5.718 5.446 5.187

70 7.136 6.796 6.472 6.164 5.870 5.590

71 7.649 7.285 6.938 6.608 6.293 5.993

72 8.164 7.775 7.405 7.052 6.716 6.396

73 8.678 8.265 7.871 7.496 7.139 6.799

74 9.192 8.754 8.337 7.940 7.562 7.202

75 9.705 9.243 8.803 8.384 7.985 7.605




14

PROPOSED






100 2% 2%

250 4% 5%

500 8% 10%

1000 14% 19%

2000 26% 35%

4000 37% 48%

8000 45% 59%

Limited


0 N/A $8.50 N/A

300 0.17*** $5.32 1.03

500 1.00 1.00 1.00

750 0.85 0.80 0.91

1000 0.63 0.54 0.75

1500 0.56 0.43 0.67

2000 0.48 0.32 0.62

2500 0.46 0.30 0.57

3000 0.44 0.28 0.53

4000 0.42 0.26 0.49

5000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84




15


LIMITED COLLISION



PROPOSED

Massachusetts


Collision Waiver of


300 $10

500 $13

750 $15

1000 $16

1500 $20

2000 $25

2500 $25

3000 $25

4000 $25

5000 $25





PROPOSED


EFFECTIVEDECEMBER 1, 2015

Massachusetts


Merit Rating Plan



Merit

Rating

Code


99 N/A N/A N/A

98 N/A N/A N/A

0 0.0% 0.0% 0.0%

1 7.5% 7.5% 7.5%

2 15.0% 15.0% 15.0%

3 22.5% 22.5% 22.5%

4 30.0% 30.0% 30.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%





Classes 20, 21, 25, 26

17

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 N/A N/A N/A

98** ‐11.7% ‐11.7% ‐11.7%

0 0.0% 0.0% 0.0%

1 7.5% 5.0% 0.0%

2 15.0% 10.0% 0.0%

3 22.5% 15.0% 7.5%

4 30.0% 20.0% 10.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%






Classes 17 and 18

18

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 82.5% 66.5% 50.5%

6 99.0% 87.0% 75.0%

7 115.5% 107.5% 99.5%

8 132.0% 128.0% 124.0%

9 148.5% 148.5% 148.5%

10 165.0% 165.0% 165.0%

11 181.5% 181.5% 181.5%

12 198.0% 198.0% 198.0%

13 214.5% 214.5% 214.5%

14 231.0% 231.0% 231.0%

15 247.5% 247.5% 247.5%

16 264.0% 264.0% 264.0%

17 280.5% 280.5% 280.5%

18 297.0% 297.0% 297.0%

19 313.5% 313.5% 313.5%

20 330.0% 330.0% 330.0%

21 346.5% 346.5% 346.5%

22 363.0% 363.0% 363.0%

23 379.5% 379.5% 379.5%

24 396.0% 396.0% 396.0%

25 412.5% 412.5% 412.5%

26 429.0% 429.0% 429.0%

27 445.5% 445.5% 445.5%

28 462.0% 462.0% 462.0%

29 478.5% 478.5% 478.5%

30 495.0% 495.0% 495.0%

31 511.5% 511.5% 511.5%

32 528.0% 528.0% 528.0%

33 544.5% 544.5% 544.5%

34 561.0% 561.0% 561.0%

35 577.5% 577.5% 577.5%

36 594.0% 594.0% 594.0%

37 610.5% 610.5% 610.5%

38 612.5% 612.5% 612.5%

39 643.5% 643.5% 643.5%

40 660.0% 660.0% 660.0%

41 676.5% 676.5% 676.5%

42 693.0% 693.0% 693.0%

43 709.5% 709.5% 709.5%

44 726.0% 726.0% 726.0%

45 742.5% 742.5% 742.5%






19

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 160.5% 156.5% 152.5%

9 179.0% 179.0% 179.0%

10 197.0% 197.0% 197.0%

11 215.0% 215.0% 215.0%

12 233.0% 233.0% 233.0%

13 251.5% 251.5% 251.5%

14 269.5% 269.5% 269.5%

15 287.5% 287.5% 287.5%

16 305.5% 305.5% 305.5%

17 323.5% 323.5% 323.5%

18 342.0% 342.0% 342.0%

19 360.0% 360.0% 360.0%

20 378.0% 378.0% 378.0%

21 396.0% 396.0% 396.0%

22 414.0% 414.0% 414.0%

23 432.5% 432.5% 432.5%

24 450.5% 450.5% 450.5%

25 468.5% 468.5% 468.5%

26 486.5% 486.5% 486.5%

27 505.0% 505.0% 505.0%

28 523.0% 523.0% 523.0%

29 541.0% 541.0% 541.0%

30 559.0% 559.0% 559.0%

31 577.5% 577.5% 577.5%

32 595.5% 595.5% 595.5%

33 613.5% 613.5% 613.5%

34 631.5% 631.5% 631.5%

35 649.5% 649.5% 649.5%

36 668.0% 668.0% 668.0%

37 686.0% 686.0% 686.0%

38 704.0% 704.0% 704.0%

39 722.0% 722.0% 722.0%

40 740.5% 740.5% 740.5%

41 758.5% 758.5% 758.5%

42 776.5% 776.5% 776.5%

43 794.5% 794.5% 794.5%

44 812.5% 812.5% 812.5%

45 831.0% 831.0% 831.0%






20

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 156.0% 152.0% 148.0%

9 174.5% 174.5% 174.5%

10 192.5% 192.5% 192.5%

11 210.5% 210.5% 210.5%

12 229.0% 229.0% 229.0%

13 247.0% 247.0% 247.0%

14 265.0% 265.0% 265.0%

15 283.5% 283.5% 283.5%

16 301.5% 301.5% 301.5%

17 319.5% 319.5% 319.5%

18 337.5% 337.5% 337.5%

19 356.0% 356.0% 356.0%

20 374.0% 374.0% 374.0%

21 392.0% 392.0% 392.0%

22 410.5% 410.5% 410.5%

23 428.5% 428.5% 428.5%

24 446.5% 446.5% 446.5%

25 465.0% 465.0% 465.0%

26 483.0% 483.0% 483.0%

27 501.0% 501.0% 501.0%

28 519.0% 519.0% 519.0%

29 537.5% 537.5% 537.5%

30 555.5% 555.5% 555.5%

31 573.5% 573.5% 573.5%

32 592.0% 592.0% 592.0%

33 610.0% 610.0% 610.0%

34 628.0% 628.0% 628.0%

35 646.5% 646.5% 646.5%

36 664.5% 664.5% 664.5%

37 682.5% 682.5% 682.5%

38 700.5% 700.5% 700.5%

39 719.0% 719.0% 719.0%

40 737.0% 737.0% 737.0%

41 755.0% 755.0% 755.0%

42 773.5% 773.5% 773.5%

43 791.5% 791.5% 791.5%

44 809.5% 809.5% 809.5%

45 828.0% 828.0% 828.0%






21

PROPOSED

202

RATE SECTION

Memorandum



213

MOTORCYCLE RATES




1 $10 $10 $18 $15 1 $1 $1 $2 $1

2 $9 $9 $16 $14 2 $1 $1 $1 $1

3 $10 $10 $18 $15 3 $1 $1 $2 $1

4 $14 $13 $24 $21 4 $1 $1 $2 $2

5 $13 $12 $22 $19 5 $1 $1 $2 $2

6 $15 $15 $26 $22 6 $1 $1 $2 $2

7 $15 $14 $25 $21 7 $1 $1 $2 $2

8 $14 $14 $24 $21 8 $1 $1 $2 $2

9 $15 $15 $26 $23 9 $1 $1 $2 $2

10 $21 $20 $35 $30 10 $2 $2 $3 $3

11 $20 $19 $34 $29 11 $2 $2 $3 $2

12 $22 $20 $37 $31 12 $2 $2 $3 $3

13 $23 $22 $40 $34 13 $2 $2 $3 $3

14 $25 $23 $42 $36 14 $2 $2 $4 $3

15 $41 $39 $70 $60 15 $4 $3 $6 $5

16 $47 $45 $80 $69 16 $4 $4 $7 $6

17 $42 $40 $72 $62 17 $4 $3 $6 $5

18 $42 $40 $72 $62 18 $4 $3 $6 $5

19 $42 $40 $72 $62 19 $4 $3 $6 $5

20 $42 $40 $72 $62 20 $4 $3 $6 $5

21 $42 $40 $72 $62 21 $4 $3 $6 $5

22 $42 $40 $72 $62 22 $4 $3 $6 $5

23 $42 $40 $72 $62 23 $4 $3 $6 $5

24 $42 $40 $72 $62 24 $4 $3 $6 $5

25 $42 $40 $72 $62 25 $4 $3 $6 $5

26 $42 $40 $72 $62 26 $4 $3 $6 $5

27 $8 $8 $13 $12 27 $1 $1 $1 $1

40 $22 $21 $38 $33 40 $2 $2 $3 $3

41 $25 $23 $42 $36 41 $2 $2 $4 $3

42 $41 $39 $70 $60 42 $4 $3 $6 $5

43 $42 $40 $71 $61 43 $4 $3 $6 $5

44 $47 $44 $79 $68 44 $4 $4 $7 $6

45 $41 $39 $70 $60 45 $3 $3 $6 $5

Notes:




Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over


224

MOTORCYCLE RATES






1 $13 $12 $20 $17 1 $2 $3 $4 $5

2 $12 $11 $18 $15 2 $2 $3 $4 $5

3 $13 $12 $20 $16 3 $2 $3 $4 $5

4 $17 $15 $27 $22 4 $3 $4 $6 $7

5 $16 $14 $25 $20 5 $3 $4 $5 $7

6 $18 $16 $29 $23 6 $3 $5 $6 $8

7 $17 $15 $27 $22 7 $3 $5 $6 $8

8 $17 $15 $27 $22 8 $3 $4 $6 $7

9 $18 $16 $29 $23 9 $3 $5 $6 $8

10 $24 $21 $38 $31 10 $4 $7 $9 $11

11 $23 $20 $37 $30 11 $4 $6 $8 $10

12 $24 $22 $39 $32 12 $5 $7 $9 $11

13 $26 $23 $42 $34 13 $5 $7 $10 $12

14 $28 $25 $42 $36 14 $5 $8 $10 $13

15 $31 $31 $42 $42 15 $9 $13 $17 $22

16 $31 $31 $42 $42 16 $10 $15 $20 $25

17 $31 $31 $42 $42 17 $9 $13 $18 $22

18 $31 $31 $42 $42 18 $9 $13 $18 $22

19 $31 $31 $42 $42 19 $9 $13 $18 $22

20 $31 $31 $42 $42 20 $9 $13 $18 $22

21 $31 $31 $42 $42 21 $9 $13 $18 $22

22 $31 $31 $42 $42 22 $9 $13 $18 $22

23 $31 $31 $42 $42 23 $9 $13 $18 $22

24 $31 $31 $42 $42 24 $9 $13 $18 $22

25 $31 $31 $42 $42 25 $9 $13 $18 $22

26 $31 $31 $42 $42 26 $9 $13 $18 $22

27 $10 $9 $16 $13 27 $2 $2 $3 $4

40 $25 $23 $41 $33 40 $5 $7 $9 $12

41 $28 $25 $42 $36 41 $5 $8 $10 $13

42 $31 $31 $42 $42 42 $9 $13 $17 $22

43 $31 $31 $42 $42 43 $9 $13 $18 $22

44 $31 $31 $42 $42 44 $10 $15 $20 $24

45 $31 $31 $42 $42 45 $9 $13 $17 $21

Notes:



Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over




235

MOTORCYCLE RATES





1 $9 $9 $16 $14 $500 $55

2 $10 $9 $16 $14 $750 $62

3 $11 $11 $19 $17 $1,000 $68

4 $12 $11 $20 $17 $2,000 $92

5 $12 $11 $20 $18 $5,000 $149

6 $13 $12 $22 $19 $10,000 $241

7 $13 $12 $22 $19 $15,000 $296

8 $13 $12 $22 $19 $20,000 $339

9 $16 $15 $27 $23 $25,000 $360

10 $15 $14 $26 $22 $50,000 $378

11 $16 $15 $27 $23


13 $19 $18 $32 $27 Rates by limit

14 $20 $19 $35 $30



17 $30 $29 $52 $44 20/40 $19

18 $30 $29 $52 $44 20/50 $20

19 $30 $29 $52 $44 25/50 $20

20 $30 $29 $52 $44 35/80 $23

21 $30 $29 $52 $44 50/100 $25

22 $30 $29 $52 $44 100/300 $29

23 $30 $29 $52 $44 250/500 $36

24 $30 $29 $52 $44 500/500 $45

25 $30 $29 $52 $44 500/1000 $54

26 $30 $29 $52 $44

27 $9 $9 $16 $14

40 $16 $15 $27 $23

41 $23 $22 $39 $34

42 $23 $22 $39 $33

43 $24 $23 $41 $35

44 $23 $22 $39 $33








50/100 $41


A 0 c.c. to 100 c.c. 250/500 $255

B 101 c.c. to 350 c.c. 500/500 $466

C 351 c.c. to 650 c.c. 500/1000 $677

D 651 c.c. and over



246

MOTORCYCLE RATES



257



268




Rule 11 Page 1 of 1

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 11. PREMIUM CALCULATION RULE The following sequence shall be used in rating the policy. The manual rate includes any premium adjustment as may be necessary to increase, reduce or eliminate the deductible amount applicable to Parts 7, 8 and 9, or to apply Waiver of Deductible under Part 7. 1. Apply the appropriate HAL factor from Rule 26 to the base rate for Parts 1 through 12.all

parts, including the Collision Deductible Waiver and excluding Part 5. For Part 5, the HAL factor is applied after the base premium calculation as follows: Part 5 Base Premium = (A + Part 5 Base Rate) x Part 5 Increased Limit Factor – A where A = Part 1 Base Rate x Implicit Surcharge Factor








Rule 19 Page 1 of 7

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 19. DISCOUNTS A. Multi-Car


B. Public Transit


1. Eligibility








Rule 19 Page 2 of 7















August 15, 1988









Rule 19 Page 3 of 7








1. Eligibility



Rule 19 Page 4 of 7

2. Verification














Rule 19 Page 5 of 7








been assigned.







Rule 19 Page 6 of 7


No Amica 1 Amica 2+ Amica Life Policies Life Policy Life Policies Auto only 0% 4% 7% Auto & HO-1, 2, 3, 5, 9 7% 9% 10% Homeowners (HO 1, 2, 3, 5, 9) Auto & HO-6 Condo 67% 89% 10% (HO 6) Auto & HO-4Tenants (HO 4 67% 89% 10% and Renters’ Essentials)

I. Good Student










Rule 19 Page 7 of 7

J. Loyalty






Rule 26 Page 1 of 4

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 26. ADDITIONAL RATING FACTORS A. DRIVING EXPERIENCE FACTOR – FOR OTHER THAN THE BASIC COVERAGE

PACKAGE


Years

Driving Coverages

1,2,4,7 Coverages

5,6,8,9 Experience Factor Factor

No valid US or Canadian License Range 7 1.095 1.04

0-2 Range 1 1.00 1.00 3-5 Range 2 1.00 1.00 6-9 Range 3 1.095 1.04

10-19 Range 4 1.00 1.00 20-49 Range 5 0.95 0.95 50-59 Range 6 1.00 1.00 60+ Range 7 1.095 1.04



license 1.095 1.040




If the operator has been insured in the Commonwealth of Massachusetts during the 12 months preceding the application of coverage, or if evidence of prior licensure is available, years licensed will be determined by the number of full years the operator has held a valid driver’s license at the time the policy is issued. The number of years licensed will be determined based on the operator’s date first licensed and the policy effective date, truncated to the nearest full year of driving


Rule 26 Page 2 of 4

experience. If the date first licensed is not provided by the insured, the years licensed factor will be assigned based on the earliest possible date the driver’s license could be obtained in Massachusetts. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of prior licensure is available, the operator will be assigned a year’s licensed factor equal to zero(0). The Massachusetts driving experience will be used thereafter to assign the years.

B. DRIVING EXPERIENCE FACTOR – FOR THE BASIC COVERAGE PACKAGE

The premium for each coverage is determined by applying the Driving Experience factor from the table below to Parts 1, 2, 4 and 5.

Years

Driving Coverages

1,2,4,5 Experience Factor

No valid US or Canadian License Range 7 1.00

0-2 Range 1 1.00 3-5 Range 2 1.00 6-9 Range 3 1.00

10-19 Range 4 1.00 20-49 Range 5 1.00 50-59 Range 6 1.00 60+ Range 7 1.00



Rule 26 Page 3 of 4

CB. LIMIT/VEHICLES FACTOR

Determine if the vehicle qualifies for a multi-car discount. Determine the Prior Each Person Bodily Injury Liability Limit for the policy. The premium for each coverage is determined by applying the Prior Limit/Vehicles factor for the appropriate Each Person Prior Bodily Injury Liability Limit and single/multi-car status from the tables below to Parts 1, 2, 3, 4, 5, 6, 7, 9, and 12. For vehicles without liability coverage (Part 5 Optional BI), a factor of 1.00 should be used for Parts 1, 2, 3, 4, 5, 6, 7, 9 and 12.


PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI <=20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 1.00 1.00 1.00 >=100 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00


PRIOR PART BI EP Limit

(000) 1 2 3 4 5 6 7 9 12 No Prior BI

20 1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 0.95 0.95 1.00 >=100 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95

The Prior Bodily Injury limit is determined at the time of application for New Business or in preparation of renewal for renewal business. The Bodily Injury Per Person limit is the limit from the prior carrier for New Business and the limit from the expiring policy for Renewal business. For servicemen with a gap in coverage due to active military duty, the prior limit and coverage refer to that which was in force prior to that duty.

For prior policies with Part 1 coverage but not Part 5 coverage, the Prior BI limit is assumed to

be 20/40.


Rule 26 Page 4 of 4

DC. Household Assessment Level Factors*

A Household Assessment Profile (HAP) is calculated at New Business or in preparation of Renewal. The HAP considers the following attributes in determining the Household Assessment Level, or HAL. 1. The number of late payments in the last three years. 2. The number of cancellation notices in the last three years. 3. Years the account has been in-force with Amica. 4. Years of tenure with the prior carrier. 5. Prior Bodily Injury Accident Limit. 6. Number of Homeowners policies in force. 7. Number of Umbrella and Ocean Marine policies in force. 8. Vehicle Density Group. 9. Maximum Years Licensed. 10. Minimum Years Licensed. 11. Minimum Vehicle Age. 12. Number of Vehicles. The Household Assessment Level deterioration is limited to 3(1) HAL’s on renewal. There is no limitation on HAL improvement. The HAP is not recalculated midterm.

HAP Score Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7 Part 8 Part 9 Part 10 Part 11 Part 12

HAL Range 1 <=1.019 0.89 0.89 0.94 0.89 0.89 0.94 0.89 0.89 0.89 0.89 0.89 0.94 2 1.020 – 1.183 0.90 0.90 0.95 0.90 0.90 0.95 0.90 0.90 0.90 0.90 0.90 0.95 3 1.184 – 1.323 0.91 0.91 0.96 0.91 0.91 0.96 0.91 0.91 0.91 0.91 0.91 0.96 4 1.324 – 1.519 0.91 0.91 0.96 0.91 0.91 0.96 0.91 0.91 0.91 0.91 0.91 0.96 5 1.520 – 1.692 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 6 1.693 – 1.907 1.05 1.00 1.00 1.00 1.05 1.00 1.00 1.00 1.00 1.00 1.00 1.00 7 1.908 – 2.174 1.12 1.00 1.00 1.05 1.12 1.00 1.10 1.10 1.00 1.00 1.00 1.00 8 2.175 – 2.544 1.12 1.00 1.25 1.15 1.12 1.00 1.15 1.15 1.10 1.10 1.10 1.25 9 2.545 – 3.311 1.12 1.25 1.25 1.25 1.12 1.25 1.15 1.15 1.10 1.10 1.10 1.25 10 >=3.312 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25


Rule 26 Page 5 of 4

HAL HAP Score

Range

Part 1

Part 2

Part 3

Part 4

Part 5

Part 6

Part 7**

Part 8

Part 9

Part 10

Part 11

Part 12

1 <= 1.019 0.80 0.85 0.90 0.85 0.80 0.90 0.89 0.89 0.84 0.84 0.84 0.90

2 1.020 - 1.183 0.83 0.87 0.92 0.87 0.83 0.93 0.90 0.90 0.87 0.87 0.87 0.92

3 1.184 - 1.323 0.86 0.89 0.94 0.89 0.86 0.95 0.91 0.91 0.90 0.90 0.90 0.94

4 1.324 - 1.519 0.90 0.91 0.96 0.91 0.90 0.98 0.91 0.91 0.90 0.90 0.90 0.96

5 1.520 - 1.692 1.00 1.00 0.98 0.98 1.00 1.00 0.97 0.97 1.00 1.00 1.00 0.98

6 1.693 - 1.907 1.10 1.00 1.00 1.00 1.10 1.00 1.00 1.00 1.00 1.00 1.00 1.00

7 1.908 - 2.174 1.20 1.02 1.05 1.07 1.20 1.00 1.10 1.10 1.00 1.00 1.00 1.05

8 2.175 - 2.544 1.20 1.02 1.25 1.20 1.20 1.00 1.15 1.15 1.10 1.10 1.10 1.25

9 2.545 - 3.311 1.20 1.30 1.30 1.30 1.20 1.30 1.20 1.20 1.10 1.10 1.10 1.30

10 >=3.312 1.32 1.30 1.30 1.30 1.32 1.30 1.30 1.30 1.25 1.25 1.25 1.30



Effective OCTOBER 27, 2014DECEMBER 1, 2015



B. Billing





$239.99 to $80.00 $1.00 $79.99 or less $0.00




1. Payment in Full



A discount of 24% will apply if the policyholder pays the entire premium in full. The full payment must be made prior to the due date of the first bill. The discount will apply to Parts 1, 2, 3, 4, 5, 6, 7, 8, 9 and thru12 and the Waiver of Collision

Deductible option. Finance company payments do not qualify for the discount.

2. Ten Payment Plan



E-4
















E-5

INDEX

A

Rule/ Page


26 45


39 35



10 8



2


16


28 26


15


24


G Rule/Page





2 26


1




48




P Rule/ Page



7 27 28


2





7


T

Rule/ Page


34



2


2



15


15

Massachusetts Amica Mutual Insurance Company

Private Passenger Automobile

Explanatory Memorandum Effective December 1, 2015 new business and renewals, Amica wishes to implement the following base rate changes:

Coverage Base Rate Change Part 1 – Bodily Injury + 4.6% Part 5 – Bodily Injury + 4.6 Part 6 – Medical Payments + 6.3 Part 3 – Uninsured Motorists + 2.9 Part 12 – Underinsured Motorists + 3.6 Part 2 – Basic Personal Injury Protection + 5.2 Part 4 – Property Damage + 7.8 Part 9 – Comprehensive + 2.8 Part 7 – Collision +6.3 Changes by Territory are displayed on Exhibit 1. In addition to the base rate changes, we wish to add model years 2015 and 2016 to our rate pages. We also wish to implement the following revisions:

1. Household Assessment Level Changes a. Our Household Assessment Level (HAL) System was implemented in Massachusetts

effective August 1, 2013. As such, we do not yet have a full policy year of experience to evaluate the HAL system yet. However, we would like to make a few changes to our HAL system based on our limited observations and data to date.

Revise HAL factors (Rule 26) by coverage as displayed below. In general, our experience to date indicates that our HAL factors should be spread a bit more than the current factors. This is not surprising, as we limited the spread of these factors initially to lessen potential policyholder rate disruption.

HAL

BI Parts 1,5

PIP Part 2

UM/UDMParts 3,12

Property Damage Part 4

Med Pay Part 6

Collision Parts 7,8

Comp, Rental, Towing

Parts 9,10,11 1 0.89 0.80 0.89 0.85 0.94 0.90 0.89 0.85 0.94 0.90 0.89 0.89 0.84 2 0.90 0.83 0.90 0.87 0.95 0.92 0.90 0.87 0.95 0.93 0.90 0.90 0.87 3 0.91 0.86 0.91 0.89 0.96 0.94 0.91 0.89 0.96 0.95 0.91 0.91 0.90 4 0.91 0.90 0.91 0.96 0.91 0.96 0.98 0.91 0.91 0.90 5 1.00 1.00 1.00 0.98 1.00 0.98 1.00 1.00 0.97 1.00 6 1.05 1.10 1.00 1.00 1.00 1.00 1.00 1.00 7 1.12 1.20 1.00 1.02 1.00 1.05 1.05 1.07 1.00 1.10 1.00 8 1.12 1.20 1.00 1.02 1.25 1.15

1.20 1.00 1.15 1.10

9 1.12 1.20 1.25 1.30 1.25 1.30 1.25 1.30 1.25 1.30 1.15 1.20 1.10 10 1.25 1.32 1.25 1.30 1.25 1.30 1.25 1.30 1.25 1.30 1.25 1.30 1.25

Proposed rate changes by coverage part and HAL are provided in Exhibit A. This exhibit provides the rate impact of each rating element for which a change has been proposed, and the overall impact by HAL. Our loss experience by HAL is provided as Exhibit B. The data by coverage has limited credibility, but it was provided for your review as well. As mentioned above, we do not yet have one policy year of data, but have included experience to date under the program. Exposures for vehicles in-force are assumed to be 1.00, thus the average premiums earned will develop upward (adjustments were made for vehicles added or deleted or policies cancelled during the period.) Also, no adjustments have been made for trend and loss development. We also provided the indicated relativities underlying the original implementation of these HAL levels in Column (15) (SERFF Number AMMA -128721827.) Exhibit B, Sheet 8 summarizes our experience to date on an all coverage basis. You will notice that the weighted changes by HAL are fairly similar, and the slight differentiation is in the direction of our limited experience to date.

b. Revise the point assignment for policies with a maximum years licensed of 11 or more years,

and minimum years licensed of less than 3 years. This will lessen the rate impact of adding a youthful operator to most policies with multiple drivers.

Max Years Licensed

Min Years Licensed

Current Weight

Proposed Weight

11-42 0-1 1.342 0.834

11-42 2-3 0.891 0.834

c. Revise the limitation on HAL movement from a maximum drop of three levels at renewal to a

maximum drop of one level at renewal.

In this filing, we are proposing more spread in our HAL factors, creating potentially more annual disruption when a HAL level worsens. Lowering the drop to one level will lessen dislocation from HAL changes on renewals. While the impact will vary from customer to customer, based on the coverages and limits purchased, the following are estimates of the average weighted changes under the current drop rule and the proposed drop rule. There is no current or proposed limitation on HAL improvement at renewal.

Max HAL

Drop at Renewal Current

Max HAL Drop at Renewal Proposed

Average Percentage Change with 3 HAL Drop

Average Percentage Change with 1 HAL

Drop

1 to 4 1 to 2 +6.8% +2.4% 2 to 5 2 to 3 +13.2 +2.4 3 to 6 3 to 4 +14.7 +1.7 4 to 7 4 to 5 +21.2 +8.5 5 to 8 5 to 6 +18.3 +4.2 6 to 9 6 to 7 +18.7 +7.4 7 to 10 7 to 8 +17.9 +5.7 8 to 10 8 to 9 +11.6 +4.8 9 to 10 9 to 10 +6.4 +6.4

d. Revise the placement of the HAL factor for Part 5 – Optional Bodily Injury coverage and revise Rule 11 to identify how the HAL factor applies.

Rule 11 states that the HAL factor applies to the base rate for parts 1 through 12. Our current rating formula for the part 5 base premium (before other discounts and rating factors) applies the HAL factor in the following manner: (Part 1 Base Rate x Implicit Surcharge + Optional BI Base rate) x HAL Factor x ILF –Part1 Base x Implicit Surcharge We propose to change this formula as follows: [(Part 1 Base Rate x Implicit Surcharge + Optional BI Base rate) x ILF – Part1 Base x Implicit Surcharge] x HAL Factor We believe that the proposed formula makes more logical sense. The change in formula will tend to raise premiums for better HAL levels at lower Part 5 limits, and lower premiums for poorer HAL levels at higher Part 5 limits. Please see Exhibit C for three examples comparing the change in procedure. In addition, we are revising Rule 11 to clearly specify how the Part 5 base premium is calculated.

e. Revise Rule 11 to clarify that the Part 7 HAL factor applies to the Collision of Deductible

Waiver. This change is editorial in nature; it contemplates no change in the premium calculation of this coverage.

2. Merit Rating Plan

In last revision, we lowered our merit rating factors in merit rating groups 98 and 00 and lowered surcharges in merit groups 01 to 04 for experienced operators (all classes except 20, 21, 25 and 26) with three or more year’s longevity and no chargeable accidents in the past three years. With this revision, we are proposing to: extend these lower surcharges to experienced operators, regardless of the accident

history in the last three years, for those policyholders with at least three years of longevity, in merit classes 01 through 04.

Lower surcharges in merit classes 05 through 08 for classes 10, 15 and 30 with three or more years of longevity.

We have included a summary of the same loss ratio data provided in the last filing to support the lower surcharges as Exhibit D. Exhibit E shows a comparison of the current and proposed factors in our merit rating plan.

3. Rates, Rating Factors and Discounts

a. Increase the Paid in Full Discount from 2% to 4%, and apply this discount to Parts 1 through 12 and the collision deductible waiver.

2012-2013 Policy Year (all coverages) as of 5/31/2015 Paid in Full No Yes

2012 Loss Ratio 64% 56% 2013 Loss Ratio 64% 52%

Current Discount 2%

(Parts 1-9, 12)

Proposed Discount 4%

Parts 1-12, including the deductible waiver

b. Increase the Multi-Line Discount (Rule 19 H) for auto policyholders with a Tenants or Condos policy as described below. Currently, we apply a slightly lower discount for these policies than for those auto account holders with an HO-3 or HO-5 form. With this proposal, we are removing that distinction.

Life Policy Count

HO Policy 0 1 2+

None 1.00 0.96 0.93

HO 3 or 5 0.93 0.91 0.90

HO 4 (including Renters’ Essentials) and HO 6

0.94 0.93 0.92 0.91 0.90

c. Add a $50 Towing limit at half the price of the $100 Towing limit. This is the differential between

these two limits for the MAIP policies. The MAIP base rate is $8 for the $50 limit and $16 for the

$100 limit.

d. Add Model Years 2015 and 2016 to the Rate Pages for Comprehensive and Collision coverage.

We expect no changes in premium on an overall basis, and only slight changes due to rounding

for 2016 model years.

We selected factors 1.05 above the 2014 factors for Model Year 2015, and 1.05 x 1.05 for

Model Years 2016. Rule 20 allows for rating model years past those on the Rate Pages, and

these new factors are consistent with those in Rule 20. There may be some slight differences

in rounding.

No older years are being removed from the pages, so factors on existing vehicles are not

being revised.

e. Revise the Collision Deductible Waiver charges at higher deductibles as follows. Only 0.14% of

our voluntary cars in‐force (188 out of 129,000 cars with collision) carry a collision deductible of $2,500 or more, and not all of these cars carry the collision deductible waiver. Furthermore, the low differential between the deductible credits at $2,500 can yield reversals for policyholders contemplating this higher deductible when the waiver is also purchased. This change will eliminate this from occurring. The premium impact associated with this change is negligible.

Collision Deductible % of Cars w Collision Waiver Base Rate

$300 6.92% $10

$500 62.08% $13

$750 0.59% $15

$1,000 29.19% $16

$1,500 0.22% $20

$2,000 0.86% $25

$2,500 0.08% $29 $25

$3,000 0.02% $34 $25

$4,000 0.00% $43 $25

$5,000 0.04% $53 $25

f. Revise our Driving Experience Range factors (Current Rule 26 A and B, Proposed Rule 26

A) as described below:

With this revision, we are attempting to lessen the impact of the range as a stand-alone factor, as it is already included in our HAL system. We considered removing the factor entirely, but doing so would have created significant rate disruption. As a result, we are proposing the following: a) Create a new Range, Range 8, for no valid US or Canadian license, currently in Range 7. The

factor for this range will not change.

b) Lower the factor for Ranges 3 (Years Licensed 10-19) and Range 7 (Years Licensed 60+ from 1.095 to 1.050.)

c) Combine Rule 26 B with 26A by adding a footnote that for Parts 1, 4 and 5 at basic limits and for Part 2 with no deductible, a factor of 1.000.

Coverage Part Years Licensed Range Description 1, 2, 4, 7 (1)(2)(3) 5, 6, 8, 9(1)

1 0-2 1.000 1.000 2 3-5 1.000 1.000 3 6-9 1.095 1.050 1.040 4 10-19 1.000 1.000 5 20-49 0.950 0.950 6 50-59 1.000 1.000 7 60+ 1.095 1.050 1.040

8 (new, formerly in 7) No valid US or Canadian license

1.095 1.040

(1) If BI Limit is 20/40, apply a factor of 1.000 to Parts 1 and 5(2) If No PIP deductible, apply a factor of 1.000 to Part 2


g. Revise base rates by territory:

In order to minimize rate disruption associated with this filing, we attempted to apply our base rate changes uniformly where possible. Our base rates vary by territory (and class) for Parts 1, 2, 4, 5, 7 and by territory for Part 9. Territory Development exhibits are provided for these coverages listed above as Exhibit F. We had to make some adjustments to the base rate selections for Part 2-PIP, Part 7- Collision, and Part 9-Comprehensive in some territories.

For these coverages, applying the desired change uniformly created a proposed change that was more than the indicated change in some instances. When this occurred, we selected a base change at or below the indicated change by territory. For Parts 2 and Part 7, we capped the overall change at 0%.

Part Base Rates Rating Plan Total Change $ Change

1‐Stat BI +4.6%* ‐3.7% +0.8% +$1.08

2‐PIP +5.2%(1) ‐3.4% +1.6% +$0.65

3‐UM +2.9%* ‐2.8%

4‐PD +7.8%* ‐4.5% +3.0% +$5.81

5‐Opt BI +4.6%* +0.3% +4.9% +$5.28

6‐Medical +6.3%* ‐2.0% +4.2% $0.58

7‐Collision +6.3%(1) ‐4.0% +2.0% $6.49

8‐Ltd. Coll +6.3% ‐2.2% +1.8% $0.44

9‐Comp +2.7%(1) ‐2.9% ‐0.3% ($0.27)

10‐Rental +3.0%* ‐2.9%

11‐Towing +3.1%* ‐2.9%

12‐UDM +3.6%* ‐3.5%

Total +2.0% +$18.27 *Base rate changes are identical in all territories (1) Base rate changes vary slightly by territory. For these coverages the base rate changes vary

between: +4.2% and +6.4% for PIP +3.6% and +6.5% for Collision +0.9% and +3.0% for Comprehensive

A summary of the proposed base rate changes and total changes by territory are provided in Exhibit G and Exhibit H.

Summary

The overall change is projected to be +2.0%, or an average of $18 per car.

Rate Disruption: The rate disruption exhibits can be found in Exhibit I and in the rate abstract section of this filing. Approximately 1.7% of vehicles will realize an increase in excess of 10%, with a maximum change of 14.88%. The largest increase in the two month sample of 12,743 policies and 19,476 cars is +14.88%. This policy is a one car policy in Territory 45, Rate Class 10, HAL Level 9. This policy has been insured for two years and has ten merit rating points.





1 123.73 195.28 138.53 365.45 192.48 329.19 172.96 119.502 135.36 213.88 156.51 398.92 219.45 359.87 197.14 131.133 140.65 223.17 168.14 430.54 233.40 387.76 210.15 137.484 153.34 250.14 174.49 481.68 272.46 433.33 245.50 148.055 167.09 265.03 209.39 538.41 310.59 485.41 278.97 166.036 172.37 279.90 196.70 548.64 337.55 493.77 303.14 167.097 175.55 270.60 217.85 583.04 344.06 525.40 308.73 170.268 182.95 293.84 219.96 600.71 362.66 541.20 326.39 178.729 227.37 342.20 271.78 675.10 410.08 607.22 369.16 222.08

10 212.56 369.16 280.24 662.09 435.19 596.06 392.42 215.7311 205.15 401.72 276.01 650.93 437.98 585.83 394.28 233.7112 227.37 383.12 302.45 651.86 470.52 586.76 424.03 222.0813 283.41 455.65 356.38 715.09 518.88 643.49 465.88 276.0114 306.68 461.22 385.99 680.68 518.88 612.80 466.81 299.2715 352.15 496.57 391.28 655.58 541.20 590.49 487.27 337.3516 288.70 494.71 498.08 626.75 511.44 564.44 461.22 296.1017 232.65 396.13 283.41 673.25 398.92 605.36 358.93 233.7118 245.34 534.69 333.12 715.09 515.17 643.49 464.02 278.1219 276.01 483.54 365.90 632.33 483.54 570.03 435.19 306.6820 267.55 517.02 360.61 687.19 521.67 619.31 469.60 296.1021 338.40 537.48 505.49 689.05 565.37 620.24 508.65 469.5322 304.56 490.98 449.45 629.54 507.72 567.24 456.58 415.6023 231.59 452.86 359.55 636.98 468.67 572.81 422.18 235.8224 234.76 404.51 296.10 639.76 421.25 574.67 378.46 237.9425 231.59 456.58 311.97 641.63 483.54 577.47 435.19 252.7426 286.58 497.50 399.74 628.60 517.95 565.37 465.88 276.0127 106.81 178.54 118.44 327.32 162.74 294.77 146.92 109.9840 268.60 444.49 333.12 650.93 464.02 585.83 418.45 283.4141 278.12 439.84 365.90 652.79 489.12 586.76 439.84 285.5342 344.75 488.20 396.57 649.06 530.97 583.97 477.97 350.0343 318.31 496.57 399.74 666.73 546.78 600.71 491.91 343.6944 279.18 506.80 507.60 640.70 520.74 576.53 468.67 283.4145 347.92 514.23 416.65 704.86 574.67 634.19 516.10 361.66


1





1 52.06 78.30 58.57 145.15 80.21 129.87 72.58 52.062 55.00 84.50 63.62 155.71 88.30 140.53 78.81 53.923 60.50 88.47 68.07 169.33 94.17 152.21 83.72 58.354 62.78 98.17 71.44 187.76 107.70 168.70 97.22 61.705 68.27 102.08 82.34 207.02 120.21 186.03 108.75 68.276 68.63 106.68 78.28 209.58 130.28 187.86 117.06 67.557 75.92 111.72 92.19 241.60 144.20 216.77 128.91 73.758 76.93 117.35 91.02 239.46 146.91 215.61 131.66 74.769 95.44 134.65 109.54 266.42 164.24 240.64 148.01 91.1110 87.85 144.20 111.71 254.01 171.89 228.22 154.70 86.7711 85.68 156.60 110.63 250.19 172.85 225.37 155.65 93.2712 92.19 149.92 119.30 250.19 185.25 225.37 167.11 88.9413 114.96 183.34 140.99 274.06 204.35 247.32 184.30 111.7114 129.06 192.89 157.27 270.25 211.04 243.51 190.98 123.6415 144.25 206.27 160.51 262.60 221.54 236.82 199.57 135.5816 121.47 205.31 201.73 249.24 208.18 224.41 187.17 123.6417 93.07 151.34 110.58 258.35 155.21 232.32 138.81 93.0718 95.44 199.57 126.89 263.56 194.80 236.82 174.75 108.4619 111.71 191.94 144.25 241.60 189.08 216.77 169.98 122.5620 111.71 214.86 147.50 272.15 211.99 245.41 190.98 126.8921 135.58 214.86 202.81 264.51 222.50 238.73 200.53 188.7222 133.40 214.86 199.56 265.47 218.67 238.73 196.72 183.2923 92.19 182.39 142.08 244.46 184.30 219.63 166.15 94.3524 94.81 156.52 117.43 243.78 165.05 219.13 148.93 94.8125 95.44 184.30 124.73 248.28 191.94 222.50 171.89 106.2926 116.05 200.53 158.34 243.51 205.31 219.63 185.25 112.8027 45.29 71.21 49.60 129.13 67.42 116.79 59.82 48.5340 113.88 184.30 136.65 258.79 189.08 232.05 170.93 117.1341 113.88 181.44 148.58 256.87 196.72 232.05 177.62 117.1342 143.16 203.40 163.77 259.74 216.77 233.96 195.76 143.1643 131.23 205.31 163.77 266.42 223.45 239.69 200.53 140.9944 117.13 209.12 206.07 254.96 212.95 230.14 190.98 119.3045 138.82 205.31 164.86 271.19 225.37 243.51 203.40 143.16


2





1 166.15 261.25 210.96 513.87 318.88 462.96 287.19 173.812 180.36 275.67 217.53 556.13 342.90 500.42 308.32 184.743 182.55 280.46 229.55 572.46 341.94 514.83 307.36 194.574 194.57 291.99 232.83 614.72 367.87 553.25 331.38 213.155 201.13 304.48 239.39 653.14 402.45 587.82 362.11 225.176 210.96 307.36 251.41 651.22 412.05 586.86 371.72 226.277 214.24 307.36 262.34 663.70 435.10 597.43 390.93 232.838 218.62 329.45 272.18 691.56 439.91 622.40 395.72 245.959 228.46 340.01 273.27 711.73 446.64 641.61 402.45 236.1010 220.81 329.45 263.43 685.79 430.31 616.64 387.08 226.2711 219.71 353.47 272.18 688.68 434.14 619.53 389.97 231.7412 238.29 351.55 284.20 686.76 452.39 618.56 408.22 242.6713 263.43 371.72 299.51 727.10 479.29 655.06 432.22 263.4314 275.46 402.45 317.00 729.98 495.62 656.98 445.67 283.1215 291.86 437.99 333.39 733.82 530.19 660.82 477.37 297.3216 251.41 423.58 324.65 706.93 467.77 635.85 421.66 260.1517 233.93 394.76 279.83 712.69 415.89 641.61 374.59 233.9318 255.79 443.75 311.53 729.98 472.56 657.95 426.46 252.5019 259.06 424.54 310.44 686.76 442.79 618.56 398.61 250.3220 251.41 442.79 306.07 736.71 468.73 662.74 422.62 264.5321 297.32 488.89 357.44 727.10 526.36 654.10 473.52 298.4122 360.72 499.46 424.12 693.48 540.76 625.28 487.94 351.9823 214.24 429.35 313.72 695.40 460.08 625.28 413.97 235.0124 263.43 434.14 315.91 705.97 445.67 634.89 400.53 257.9725 250.32 470.64 313.72 707.89 493.69 637.77 444.71 264.5326 301.69 486.02 391.32 697.33 532.11 627.20 478.33 298.4127 161.78 250.69 191.29 489.85 284.31 440.87 255.50 161.7840 228.46 374.59 283.12 680.99 428.39 612.80 386.12 263.4341 233.93 367.87 295.13 685.79 458.16 617.60 413.01 247.0342 232.83 393.80 318.09 698.29 494.66 629.13 445.67 275.4643 279.83 422.62 330.12 729.02 524.44 655.06 471.60 284.2044 225.17 421.66 325.74 720.37 476.41 647.37 428.39 232.8345 286.39 426.46 326.84 733.82 524.44 660.82 471.60 291.86


3





1 20.57 36.33 25.98 62.14 33.46 56.41 30.60 20.572 21.65 39.19 28.15 67.87 37.29 61.19 33.46 21.653 22.74 41.11 30.31 73.62 40.16 65.97 36.33 22.744 24.91 46.85 32.48 82.22 46.85 73.62 41.11 24.915 27.07 49.72 37.90 92.74 52.58 83.18 47.80 29.246 28.15 52.58 35.73 93.69 57.36 84.13 51.63 29.247 29.24 50.67 38.97 99.43 58.31 88.91 52.58 29.248 29.24 54.50 40.06 102.30 61.19 92.74 55.45 30.319 37.90 63.09 49.80 114.73 69.79 103.25 62.14 36.8110 35.73 64.06 50.89 107.08 72.66 97.52 65.01 35.7311 36.81 71.70 48.72 105.16 73.62 95.60 65.97 41.1412 38.97 68.84 54.13 106.12 79.35 95.60 71.70 42.2313 47.63 85.09 64.96 116.64 87.96 104.21 79.35 47.6314 51.97 87.00 68.21 110.90 87.00 100.38 77.44 50.8915 61.71 91.78 71.45 107.08 91.78 96.56 82.22 60.6316 66.04 86.04 83.37 100.38 86.04 90.82 77.44 68.2117 40.06 68.84 49.80 113.77 66.92 102.30 59.28 40.0618 49.80 95.60 59.55 114.73 87.00 103.25 78.40 57.3819 51.97 87.96 63.88 102.30 81.26 92.74 73.62 59.5520 54.13 94.65 66.04 110.90 86.04 100.38 77.44 62.7921 75.78 95.60 92.03 111.86 95.60 101.34 86.04 93.1022 68.21 87.00 84.44 101.34 86.04 91.78 77.44 83.3723 37.90 86.04 62.79 101.34 78.40 91.78 70.75 40.0624 38.97 68.84 50.89 101.34 68.84 91.78 62.14 41.1425 44.39 87.00 57.38 104.21 81.26 93.69 73.62 47.6326 54.13 87.00 68.21 101.34 87.00 91.78 77.44 54.1327 19.49 33.46 21.65 56.41 27.73 50.67 24.85 19.4940 43.30 80.31 59.55 105.16 78.40 94.65 70.75 45.4741 45.47 82.22 64.96 105.16 82.22 94.65 73.62 47.6342 57.38 89.87 69.29 105.16 88.91 93.69 80.31 60.6343 55.22 91.78 71.45 107.08 91.78 96.56 82.22 61.7144 59.55 87.96 84.44 102.30 87.00 91.78 77.44 68.2145 59.55 97.52 75.78 115.68 96.56 103.25 87.00 64.96


4





1 251.67 489.20 333.39 896.38 494.99 805.68 445.78 250.582 266.93 505.60 341.01 952.34 494.99 856.82 444.82 265.833 264.75 520.07 358.45 952.34 512.36 857.78 461.22 264.754 277.83 541.31 362.80 984.19 546.13 886.73 490.17 276.735 296.35 571.21 390.03 1046.91 601.13 942.70 541.31 294.166 307.24 597.26 405.30 1055.59 622.35 949.45 560.61 305.067 329.60 621.36 445.13 1070.02 661.72 962.08 596.02 324.318 330.12 601.13 453.23 1044.01 645.51 939.80 579.90 327.939 346.46 631.03 453.23 1092.25 680.25 982.26 611.74 344.2810 318.14 609.81 430.36 1032.43 659.98 930.15 592.44 322.4911 341.01 673.50 465.21 994.81 660.95 894.45 593.41 338.8312 398.76 729.46 513.15 1050.76 761.29 945.59 684.10 396.5713 408.57 673.50 555.64 1078.75 782.53 970.68 703.40 402.0314 452.15 746.82 604.68 1054.63 818.23 948.49 735.24 449.9615 540.39 782.53 652.61 1049.80 854.90 945.59 769.02 528.4116 470.67 747.79 580.70 1010.24 716.92 908.92 645.51 453.2317 362.80 677.35 477.19 1028.58 641.65 926.29 577.01 361.7218 433.61 734.29 551.29 985.16 738.14 887.70 664.80 423.8219 440.67 732.34 615.65 935.51 753.13 841.96 677.53 437.4720 515.33 799.89 654.78 1040.15 821.13 934.97 738.14 501.1721 537.12 814.36 752.84 1033.40 933.05 930.15 839.45 646.0722 594.87 805.68 772.46 1023.75 901.20 921.47 811.48 800.7823 380.27 746.25 671.94 974.91 789.31 877.32 709.90 427.8024 429.26 737.17 605.76 997.69 756.47 899.28 681.22 427.0925 442.01 764.68 652.19 997.83 799.23 898.05 719.59 465.8426 520.77 761.29 713.62 955.24 828.84 859.72 745.86 571.9927 239.69 468.94 307.24 868.40 459.29 781.56 413.93 238.6040 379.88 647.22 519.39 977.01 702.34 878.16 632.97 387.4041 359.53 676.39 551.29 998.66 748.76 899.28 673.50 372.6142 415.09 724.64 628.64 992.87 797.96 892.52 718.84 405.3043 463.04 746.82 631.91 1014.10 832.70 913.75 747.79 452.1544 414.01 737.17 545.83 997.69 691.82 899.28 623.32 398.7645 485.92 742.97 639.53 1027.61 833.66 922.44 750.69 472.84


5





1 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.632 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.633 130.61 130.61 130.61 130.61 130.61 130.61 130.61 130.614 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.005 134.87 134.87 134.87 134.87 134.87 134.87 134.87 134.876 129.55 129.55 129.55 129.55 129.55 129.55 129.55 129.557 145.35 145.35 145.35 145.35 145.35 145.35 145.35 145.358 135.80 135.80 135.80 135.80 135.80 135.80 135.80 135.809 139.11 139.11 139.11 139.11 139.11 139.11 139.11 139.11

10 144.43 144.43 144.43 144.43 144.43 144.43 144.43 144.4311 150.06 150.06 150.06 150.06 150.06 150.06 150.06 150.0612 155.05 155.05 155.05 155.05 155.05 155.05 155.05 155.0513 191.88 191.88 191.88 191.88 191.88 191.88 191.88 191.8814 180.34 180.34 180.34 180.34 180.34 180.34 180.34 180.3415 229.26 229.26 229.26 229.26 229.26 229.26 229.26 229.2616 367.74 367.74 367.74 367.74 367.74 367.74 367.74 367.7417 131.68 131.68 131.68 131.68 131.68 131.68 131.68 131.6818 261.10 261.10 261.10 261.10 261.10 261.10 261.10 261.1019 289.55 289.55 289.55 289.55 289.55 289.55 289.55 289.5520 256.95 256.95 256.95 256.95 256.95 256.95 256.95 256.9521 353.01 353.01 353.01 353.01 353.01 353.01 353.01 353.0122 402.90 402.90 402.90 402.90 402.90 402.90 402.90 402.9023 242.12 242.12 242.12 242.12 242.12 242.12 242.12 242.1224 181.05 181.05 181.05 181.05 181.05 181.05 181.05 181.0525 272.64 272.64 272.64 272.64 272.64 272.64 272.64 272.6426 324.95 324.95 324.95 324.95 324.95 324.95 324.95 324.9527 109.38 109.38 109.38 109.38 109.38 109.38 109.38 109.3840 165.02 165.02 165.02 165.02 165.02 165.02 165.02 165.0241 166.39 166.39 166.39 166.39 166.39 166.39 166.39 166.3942 203.69 203.69 203.69 203.69 203.69 203.69 203.69 203.6943 217.70 217.70 217.70 217.70 217.70 217.70 217.70 217.7044 344.65 344.65 344.65 344.65 344.65 344.65 344.65 344.6545 231.50 231.50 231.50 231.50 231.50 231.50 231.50 231.50


6






Part 3 Part 12

(U-1) (U-2)


5,000 1.000 20/40 1.00 20/40 $14.23 $0.00

10,000 1.204 20/50 1.01 20/50 $15.25 $1.04

15,000 1.220 25/50 1.05 25/50 $16.27 $3.11

20,000 1.232 25/60 1.06 25/60 $17.29 $4.14

25,000 1.242 35/80 1.16 35/80 $18.30 $12.43

30,000 1.249 50/100 1.27 50/100 $19.31 $21.76

35,000 1.254 100/100 1.48 100/100 $20.33 $46.62

40,000 1.258 100/200 1.49 100/200 $21.35 $47.66

45,000 1.262 100/300 1.50 100/300 $22.37 $48.69

50,000 1.265 200/400 1.83 200/400 $26.44 $113.96

75,000 1.274 250/500 1.94 250/500 $27.45 $135.72

80,000 1.275 250/1000 1.99 250/1000 $28.46 $146.08

100,000 1.280 300/500 2.18 300/500 $30.50 $191.66

150,000 1.292 500/500 2.86 500/500 $39.65 $350.17

200,000 1.303 500/1000 2.91 500/1000 $40.67 $360.53

250,000 1.309

300,000 1.314

400,000 1.323

500,000 1.329

750,000 1.338

1,000,000 1.348

Part 6



$15 day/$450 Maximum $12.83 $46.35 5,000 $21.43

$20 day/$600 Maximum 27.80 61.80 10,000 28.93

$30 day/$900 Maximum 57.73 92.70 15,000 36.43

$40 day/$1,200 Maximum 102.64 145.23 20,000 39.65

$45 day$1,350 Maximum 125.09 172.01 25,000 43.93

$50 day/$1,500 Maximum 147.54 188.49 50,000 50.36

$75 day/$2,250 Maximum 160.37 272.95 100,000 60.01

$100 day/$3,000 Maximum 187.10 356.38




$50.00 Limit



$100.00 Limit





1 $21

2 39


7


Flat Rates

8




Part 5 Bodily Injury Increased Limit FactorsLIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 1.00 1.05 1.11 1.1945 1.05 1.11 1.1950 1.01 1.05 1.11 1.19 1.2660 1.0670 1.01 1.06 1.11 1.20 1.2680 1.16

100 1.02 1.07 1.12 1.20 1.27 1.48150 1.02 1.07 1.13 1.21 1.28 1.49 1.67200 1.02 1.08 1.13 1.21 1.28 1.49 1.68 1.81250 1.02 1.08 1.13 1.22 1.28 1.50 1.69 1.82 1.92300 1.03 1.08 1.13 1.22 1.29 1.50 1.69 1.82 1.93 2.15350 1.29 1.50 1.69 1.83 1.93 2.16400 1.29 1.51 1.70 1.83 1.93 2.17 2.55500 1.29 1.51 1.70 1.84 1.94 2.18 2.56 2.86600 1.30 1.52 1.71 1.84 1.95 2.19 2.58 2.87 2.98700 1.30 1.52 1.71 1.84 1.96 2.20 2.59 2.88 2.98 3.05800 1.30 1.52 1.71 1.85 1.97 2.21 2.60 2.89 2.98 3.05 3.11900 1.30 1.53 1.72 1.85 1.98 2.22 2.60 2.90 2.99 3.05 3.11 3.17

1000 1.30 1.53 1.72 1.85 1.99 2.23 2.61 2.91 2.99 3.06 3.12 3.17 3.21

Additional Increased Limit Factors Limit 45/45 1.23

750/750 3.08

LIMIT PER ACCIDEN

T (000's)

9




Coverage U-1 (Uninsured Motorists) Rates for Vehicles Other Than Motorcycles LIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 14.23 16.27 17.29 18.3045 16.27 17.29 18.3050 15.25 16.27 17.29 18.30 19.3160 17.2970 15.25 17.29 18.30 18.30 19.3180 18.30

100 15.25 17.29 18.30 18.30 19.31 20.33150 15.25 17.29 18.30 18.30 19.31 21.35 24.40200 15.25 17.29 18.30 18.30 19.31 21.35 24.40 26.44250 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45300 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45 30.50350 19.31 22.37 24.40 26.44 27.45 30.50400 19.31 22.37 24.40 26.44 27.45 30.50 35.58500 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65600 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65 41.68700 19.31 22.37 25.42 26.44 27.45 30.50 35.58 39.65 41.68 42.70800 19.31 22.37 25.42 26.44 28.46 30.50 35.58 40.67 41.68 42.70 42.70900 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71

1000 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71 44.73


750/750 42.70

Coverage U-2 (Underinsured Motorists) Rates for Vehicles Other Than Motorcycles LIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 0.00 3.11 8.29 14.5045 3.11 8.29 15.5450 1.04 3.11 8.29 15.54 20.7260 4.1470 1.04 4.14 8.29 15.54 21.7680 12.43

100 1.04 5.18 9.32 16.58 21.76 46.62150 1.04 5.18 9.32 16.58 22.79 47.66 82.88200 2.07 5.18 10.36 16.58 22.79 47.66 83.92 110.85250 2.07 6.22 10.36 17.61 23.83 48.69 84.95 111.89 132.61300 2.07 6.22 10.36 17.61 23.83 48.69 85.99 112.92 133.64 183.37350 23.83 49.73 87.02 112.92 133.64 186.48400 23.83 49.73 87.02 113.96 134.68 188.55 277.65500 24.86 50.76 88.06 115.00 135.72 191.66 280.76 350.17600 24.86 51.80 89.10 116.03 138.82 194.77 283.86 353.28 368.82700 24.86 52.84 90.13 117.07 140.90 196.84 285.94 355.35 369.85 378.14800 25.90 52.84 90.13 117.07 142.97 198.91 288.01 357.42 369.85 378.14 386.43900 25.90 53.87 91.17 118.10 144.00 200.98 290.08 358.46 370.89 379.18 386.43 392.64

1000 25.90 53.87 91.17 118.10 146.08 202.02 292.15 360.53 370.89 379.18 386.43 392.64 398.86


750/750 382.28LIM

IT PER ACCIDENT (000's)

LIMIT PER ACCIDEN

T (000's)



Implicit Surcharge Exclusion Factors









Territory 10 17 18 20 21 25 26 30

1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.100

2 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.119

3 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.102

4 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.094

5 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.129

6 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.113

7 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.124

8 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.139

9 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.145

10 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.107

11 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.138

12 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.185

13 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.144

14 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.200

15 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.156

16 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.219

17 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.162

18 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.227

19 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.170

20 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.150

21 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.183

22 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.294

23 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.111

24 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.250

25 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.132

26 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.131

27 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.089

40 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.051

41 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.177

42 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.088

43 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.154

44 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.196

45 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

10




1990 1989Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior

(a) (b) (c)1 0.831 0.791 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 0.117

2 1.037 0.988 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 0.135

3 1.097 1.045 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 0.161

4 1.162 1.107 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 0.193

5 1.232 1.173 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 0.228

6 1.306 1.244 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 0.266

7 1.347 1.283 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 0.314

8 1.387 1.321 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581 0.372

10 1.474 1.404 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 0.436

11 1.563 1.489 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 0.520

12 1.612 1.535 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 0.612

13 1.660 1.581 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 0.728

14 1.715 1.633 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 0.865

15 1.766 1.682 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 1.021

16 1.823 1.736 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 1.214

17 1.877 1.788 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 1.44418 1.938 1.846 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.994 1.66119 1.997 1.902 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.058 1.87720 2.062 1.964 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.150 2.09421 2.124 2.023 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.242 2.31022 2.175 2.071 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.33423 2.195 2.090 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.42624 2.212 2.107 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.56425 2.262 2.154 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.70226 2.293 2.184 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.84027 2.352 2.240 2.133 2.031 1.934 1.84228 2.408 2.293 2.184 2.080 1.981 1.88729 2.441 2.325 2.214 2.109 2.009 1.91330 2.503 2.384 2.270 2.162 2.059 1.96131 2.563 2.441 2.325 2.214 2.109 2.00932 2.598 2.474 2.356 2.244 2.137 2.03533 2.666 2.539 2.418 2.303 2.193 2.08934 2.733 2.603 2.479 2.361 2.249 2.14235 2.769 2.637 2.511 2.391 2.277 2.16936 2.860 2.724 2.594 2.470 2.352 2.24037 2.948 2.808 2.674 2.547 2.426 2.310




11





(a) (b) (c)38 3.001 2.858 2.722 2.592 2.469 2.35139 3.085 2.938 2.798 2.665 2.538 2.417 40 3.169 3.018 2.874 2.737 2.607 2.48341 3.205 3.052 2.907 2.769 2.637 2.51142 3.260 3.105 2.957 2.816 2.682 2.55443 3.360 3.200 3.048 2.903 2.765 2.63344 3.462 3.297 3.140 2.990 2.848 2.71245 3.499 3.332 3.173 3.022 2.878 2.74146 3.590 3.419 3.256 3.101 2.953 2.81247 3.679 3.504 3.337 3.178 3.027 2.88348 3.719 3.542 3.373 3.212 3.059 2.91349 3.775 3.595 3.424 3.261 3.106 2.95850 3.857 3.673 3.498 3.331 3.172 3.02151 3.934 3.747 3.569 3.399 3.237 3.08352 3.973 3.784 3.604 3.432 3.269 3.11353 4.032 3.840 3.657 3.483 3.317 3.15954 4.137 3.940 3.752 3.573 3.403 3.24155 4.240 4.038 3.846 3.663 3.489 3.32356 4.359 4.151 3.953 3.765 3.586 3.41557 4.475 4.262 4.059 3.866 3.682 3.50758 4.611 4.391 4.182 3.983 3.793 3.61259 4.743 4.517 4.302 4.097 3.902 3.71660 4.935 4.700 4.476 4.263 4.060 3.86761 5.127 4.883 4.650 4.429 4.218 4.01762 5.460 5.200 4.952 4.716 4.491 4.27763 5.772 5.497 5.235 4.986 4.749 4.52364 6.105 5.814 5.537 5.273 5.022 4.78365 6.418 6.112 5.821 5.544 5.280 5.02966 6.899 6.570 6.257 5.959 5.675 5.40567 7.544 7.185 6.843 6.517 6.207 5.91168 8.190 7.800 7.429 7.075 6.738 6.41769 8.836 8.415 8.014 7.632 7.269 6.92370 9.463 9.012 8.583 8.174 7.785 7.41471 10.108 9.627 9.169 8.732 8.316 7.92072 10.753 10.241 9.753 9.289 8.847 8.42673 11.400 10.857 10.340 9.848 9.379 8.93274 12.046 11.472 10.926 10.406 9.910 9.43875 12.691 12.087 11.511 10.963 10.441 9.944




12




Model Year 1990 1989

Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior(a) (b) (c)1 0.671 0.639 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 0.126

2 0.823 0.784 0.747 0.711 0.677 0.645 2 0.646 0.62 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 0.154

3 0.865 0.824 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 0.186

4 0.908 0.865 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 0.220

5 0.958 0.912 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 0.263

6 1.012 0.964 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 0.311

7 1.038 0.989 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 0.377

8 1.065 1.014 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751 0.451

10 1.121 1.068 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 0.539

11 1.184 1.128 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 0.643

12 1.218 1.160 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 0.776

13 1.251 1.191 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 0.932

14 1.285 1.224 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 1.121

15 1.320 1.257 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 1.342

16 1.359 1.294 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 1.616

17 1.394 1.328 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 1.941

18 1.434 1.366 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.255 2.232

19 1.474 1.404 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.336 2.523

20 1.515 1.443 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.453 2.814

21 1.558 1.484 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.569 3.106

22 1.581 1.506 1.434 1.366 1.301 1.239 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.685

23 1.603 1.527 1.454 1.385 1.319 1.257 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.801

24 1.626 1.549 1.475 1.405 1.338 1.274 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.975

25 1.650 1.571 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.150

26 1.687 1.607 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.324

27 1.716 1.634 1.556 1.482 1.411 1.344

28 1.743 1.660 1.581 1.506 1.434 1.366

29 1.781 1.696 1.615 1.538 1.465 1.395

30 1.813 1.727 1.645 1.567 1.492 1.421

31 1.846 1.758 1.674 1.594 1.518 1.446

32 1.882 1.792 1.707 1.626 1.549 1.475

33 1.919 1.828 1.741 1.658 1.579 1.504

34 1.955 1.862 1.773 1.689 1.609 1.532

35 1.992 1.897 1.807 1.721 1.639 1.561

36 2.058 1.960 1.867 1.778 1.693 1.612

37 2.122 2.021 1.925 1.833 1.746 1.663




13





Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior(a) (b) (c)38 2.186 2.082 1.983 1.889 1.799 1.713 39 2.220 2.114 2.013 1.917 1.826 1.739 40 2.252 2.145 2.043 1.946 1.853 1.76541 2.307 2.197 2.092 1.992 1.897 1.80742 2.368 2.255 2.148 2.046 1.949 1.85643 2.430 2.314 2.204 2.099 1.999 1.90444 2.493 2.374 2.261 2.153 2.050 1.95245 2.545 2.424 2.309 2.199 2.094 1.99446 2.576 2.453 2.336 2.225 2.119 2.01847 2.606 2.482 2.364 2.251 2.144 2.04248 2.676 2.549 2.428 2.312 2.202 2.09749 2.748 2.617 2.492 2.373 2.260 2.15250 2.771 2.639 2.513 2.393 2.279 2.17051 2.793 2.660 2.533 2.412 2.297 2.18852 2.861 2.725 2.595 2.471 2.353 2.24153 2.918 2.779 2.647 2.521 2.401 2.28754 2.963 2.822 2.688 2.560 2.438 2.32255 3.008 2.865 2.729 2.599 2.475 2.35756 3.137 2.988 2.846 2.710 2.581 2.45857 3.266 3.110 2.962 2.821 2.687 2.55958 3.339 3.180 3.029 2.885 2.748 2.61759 3.413 3.250 3.095 2.948 2.808 2.67460 3.551 3.382 3.221 3.068 2.922 2.78361 3.691 3.515 3.348 3.189 3.037 2.89262 3.941 3.753 3.574 3.404 3.242 3.08863 4.199 3.999 3.809 3.628 3.455 3.29064 4.457 4.245 4.043 3.850 3.667 3.49265 4.706 4.482 4.269 4.066 3.872 3.68866 5.089 4.847 4.616 4.396 4.187 3.98867 5.605 5.338 5.084 4.842 4.611 4.39168 6.111 5.820 5.543 5.279 5.028 4.78969 6.619 6.304 6.004 5.718 5.446 5.18770 7.136 6.796 6.472 6.164 5.870 5.59071 7.649 7.285 6.938 6.608 6.293 5.99372 8.164 7.775 7.405 7.052 6.716 6.39673 8.678 8.265 7.871 7.496 7.139 6.79974 9.192 8.754 8.337 7.940 7.562 7.20275 9.705 9.243 8.803 8.384 7.985 7.605




14





100 2% 2%250 4% 5%500 8% 10%

1000 14% 19%2000 26% 35%4000 37% 48%8000 45% 59%


0 N/A $8.50 N/A300 0.17*** $5.32 1.03500 1.00 1.00 1.00750 0.85 0.80 0.911000 0.63 0.54 0.751500 0.56 0.43 0.672000 0.48 0.32 0.622500 0.46 0.30 0.573000 0.44 0.28 0.534000 0.42 0.26 0.495000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84


15


LIMITED COLLISION

$500 Deductible - Charge 6% of the collision manual rate for the same model year a




300 $10500 $13750 $151000 $161500 $202000 $252500 $253000 $254000 $255000 $25


16





Merit Rating Plan


Merit Rating Code

Years Insured 0-2 Years Insured 3-5 Years Insured 6+99 N/A N/A N/A98 N/A N/A N/A0 0.0% 0.0% 0.0%1 7.5% 7.5% 7.5%2 15.0% 15.0% 15.0%3 22.5% 22.5% 22.5%4 30.0% 30.0% 30.0%5 46.5% 46.5% 46.5%6 55.0% 55.0% 55.0%7 63.0% 63.0% 63.0%8 80.0% 80.0% 80.0%9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%11 106.0% 106.0% 106.0%12 114.5% 114.5% 114.5%13 123.0% 123.0% 123.0%14 132.0% 132.0% 132.0%15 140.5% 140.5% 140.5%16 149.0% 149.0% 149.0%17 158.0% 158.0% 158.0%18 166.5% 166.5% 166.5%19 175.0% 175.0% 175.0%20 184.0% 184.0% 184.0%21 192.5% 192.5% 192.5%22 201.0% 201.0% 201.0%23 210.0% 210.0% 210.0%24 218.5% 218.5% 218.5%25 227.0% 227.0% 227.0%26 235.5% 235.5% 235.5%27 244.5% 244.5% 244.5%28 253.0% 253.0% 253.0%29 262.0% 262.0% 262.0%30 270.5% 270.5% 270.5%31 279.0% 279.0% 279.0%32 287.5% 287.5% 287.5%33 296.5% 296.5% 296.5%34 305.0% 305.0% 305.0%35 313.5% 313.5% 313.5%36 322.5% 322.5% 322.5%37 331.0% 331.0% 331.0%38 339.5% 339.5% 339.5%39 348.5% 348.5% 348.5%40 357.0% 357.0% 357.0%41 365.5% 365.5% 365.5%42 374.5% 374.5% 374.5%43 383.0% 383.0% 383.0%44 391.5% 391.5% 391.5%45 400.5% 400.5% 400.5%

* Total policy adjustment is determined by applying the above percentages (for the appropriate code) to rates by coverage (after all applicable discounts and rating factors), rounding to the nearest whole dollar amount, and then summing the results for all coverages.

Classes 20, 21, 25, 26

17



Merit Rating Plan


Merit Rating Code

Years Insured 0-2 Years Insured 3-5 Years Insured 6+99 N/A N/A N/A

98** -11.7% -11.7% -11.7%0 0.0% 0.0% 0.0%1 7.5% 5.0% 0.0%2 15.0% 10.0% 0.0%3 22.5% 15.0% 7.5%4 30.0% 20.0% 10.0%5 46.5% 46.5% 46.5%6 55.0% 55.0% 55.0%7 63.0% 63.0% 63.0%8 80.0% 80.0% 80.0%9 88.5% 88.5% 88.5%10 97.0% 97.0% 97.0%11 106.0% 106.0% 106.0%12 114.5% 114.5% 114.5%13 123.0% 123.0% 123.0%14 132.0% 132.0% 132.0%15 140.5% 140.5% 140.5%16 149.0% 149.0% 149.0%17 158.0% 158.0% 158.0%18 166.5% 166.5% 166.5%19 175.0% 175.0% 175.0%20 184.0% 184.0% 184.0%21 192.5% 192.5% 192.5%22 201.0% 201.0% 201.0%23 210.0% 210.0% 210.0%24 218.5% 218.5% 218.5%25 227.0% 227.0% 227.0%26 235.5% 235.5% 235.5%27 244.5% 244.5% 244.5%28 253.0% 253.0% 253.0%29 262.0% 262.0% 262.0%30 270.5% 270.5% 270.5%31 279.0% 279.0% 279.0%32 287.5% 287.5% 287.5%33 296.5% 296.5% 296.5%34 305.0% 305.0% 305.0%35 313.5% 313.5% 313.5%36 322.5% 322.5% 322.5%37 331.0% 331.0% 331.0%38 339.5% 339.5% 339.5%39 348.5% 348.5% 348.5%40 357.0% 357.0% 357.0%41 365.5% 365.5% 365.5%42 374.5% 374.5% 374.5%43 383.0% 383.0% 383.0%44 391.5% 391.5% 391.5%45 400.5% 400.5% 400.5%



Classes 17 and 18

18



Merit Rating Plan


Merit Rating Code Years Insured 0-2 Years Insured 3-5 Years Insured 6+

99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 82.5% 66.5% 50.5%6 99.0% 87.0% 75.0%7 115.5% 107.5% 99.5%8 132.0% 128.0% 124.0%9 148.5% 148.5% 148.5%10 165.0% 165.0% 165.0%11 181.5% 181.5% 181.5%12 198.0% 198.0% 198.0%13 214.5% 214.5% 214.5%14 231.0% 231.0% 231.0%15 247.5% 247.5% 247.5%16 264.0% 264.0% 264.0%17 280.5% 280.5% 280.5%18 297.0% 297.0% 297.0%19 313.5% 313.5% 313.5%20 330.0% 330.0% 330.0%21 346.5% 346.5% 346.5%22 363.0% 363.0% 363.0%23 379.5% 379.5% 379.5%24 396.0% 396.0% 396.0%25 412.5% 412.5% 412.5%26 429.0% 429.0% 429.0%27 445.5% 445.5% 445.5%28 462.0% 462.0% 462.0%29 478.5% 478.5% 478.5%30 495.0% 495.0% 495.0%31 511.5% 511.5% 511.5%32 528.0% 528.0% 528.0%33 544.5% 544.5% 544.5%34 561.0% 561.0% 561.0%35 577.5% 577.5% 577.5%36 594.0% 594.0% 594.0%37 610.5% 610.5% 610.5%38 612.5% 612.5% 612.5%39 643.5% 643.5% 643.5%40 660.0% 660.0% 660.0%41 676.5% 676.5% 676.5%42 693.0% 693.0% 693.0%43 709.5% 709.5% 709.5%44 726.0% 726.0% 726.0%45 742.5% 742.5% 742.5%



19



Merit Rating Plan



99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 88.0% 72.0% 56.0%6 104.5% 92.5% 80.5%7 121.0% 113.0% 105.0%8 160.5% 156.5% 152.5%9 179.0% 179.0% 179.0%10 197.0% 197.0% 197.0%11 215.0% 215.0% 215.0%12 233.0% 233.0% 233.0%13 251.5% 251.5% 251.5%14 269.5% 269.5% 269.5%15 287.5% 287.5% 287.5%16 305.5% 305.5% 305.5%17 323.5% 323.5% 323.5%18 342.0% 342.0% 342.0%19 360.0% 360.0% 360.0%20 378.0% 378.0% 378.0%21 396.0% 396.0% 396.0%22 414.0% 414.0% 414.0%23 432.5% 432.5% 432.5%24 450.5% 450.5% 450.5%25 468.5% 468.5% 468.5%26 486.5% 486.5% 486.5%27 505.0% 505.0% 505.0%28 523.0% 523.0% 523.0%29 541.0% 541.0% 541.0%30 559.0% 559.0% 559.0%31 577.5% 577.5% 577.5%32 595.5% 595.5% 595.5%33 613.5% 613.5% 613.5%34 631.5% 631.5% 631.5%35 649.5% 649.5% 649.5%36 668.0% 668.0% 668.0%37 686.0% 686.0% 686.0%38 704.0% 704.0% 704.0%39 722.0% 722.0% 722.0%40 740.5% 740.5% 740.5%41 758.5% 758.5% 758.5%42 776.5% 776.5% 776.5%43 794.5% 794.5% 794.5%44 812.5% 812.5% 812.5%45 831.0% 831.0% 831.0%



20



Merit Rating Plan



99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 88.0% 72.0% 56.0%6 104.5% 92.5% 80.5%7 121.0% 113.0% 105.0%8 156.0% 152.0% 148.0%9 174.5% 174.5% 174.5%10 192.5% 192.5% 192.5%11 210.5% 210.5% 210.5%12 229.0% 229.0% 229.0%13 247.0% 247.0% 247.0%14 265.0% 265.0% 265.0%15 283.5% 283.5% 283.5%16 301.5% 301.5% 301.5%17 319.5% 319.5% 319.5%18 337.5% 337.5% 337.5%19 356.0% 356.0% 356.0%20 374.0% 374.0% 374.0%21 392.0% 392.0% 392.0%22 410.5% 410.5% 410.5%23 428.5% 428.5% 428.5%24 446.5% 446.5% 446.5%25 465.0% 465.0% 465.0%26 483.0% 483.0% 483.0%27 501.0% 501.0% 501.0%28 519.0% 519.0% 519.0%29 537.5% 537.5% 537.5%30 555.5% 555.5% 555.5%31 573.5% 573.5% 573.5%32 592.0% 592.0% 592.0%33 610.0% 610.0% 610.0%34 628.0% 628.0% 628.0%35 646.5% 646.5% 646.5%36 664.5% 664.5% 664.5%37 682.5% 682.5% 682.5%38 700.5% 700.5% 700.5%39 719.0% 719.0% 719.0%40 737.0% 737.0% 737.0%41 755.0% 755.0% 755.0%42 773.5% 773.5% 773.5%43 791.5% 791.5% 791.5%44 809.5% 809.5% 809.5%45 828.0% 828.0% 828.0%



21


Rule 11 Page 1 of 1

Effective DECEMBER 1, 2015 RULE 11. PREMIUM CALCULATION RULE The following sequence shall be used in rating the policy. The manual rate includes any premium adjustment as may be necessary to increase, reduce or eliminate the deductible amount applicable to Parts 7, 8 and 9, or to apply Waiver of Deductible under Part 7. 1. Apply the appropriate HAL factor from Rule 26 to the base rate for all parts, including the

Collision Deductible Waiver and excluding Part 5. For Part 5, the HAL factor is applied after the base premium calculation as follows: Part 5 Base Premium = (A + Part 5 Base Rate) x Part 5 Increased Limit Factor – A where A = Part 1 Base Rate x Implicit Surcharge Factor








Rule 19 Page 1 of 7

Effective DECEMBER 1, 2015 RULE 19. DISCOUNTS A. Multi-Car


B. Public Transit


1. Eligibility








Rule 19 Page 2 of 7















August 15, 1988









Rule 19 Page 3 of 7








1. Eligibility



Rule 19 Page 4 of 7

2. Verification














Rule 19 Page 5 of 7








been assigned.







Rule 19 Page 6 of 7


No Amica 1 Amica 2+ Amica Life Policies Life Policy Life Policies Auto only 0% 4% 7% Auto & Homeowners 7% 9% 10% (HO 1, 2, 3, 5, 9) Auto & Condo 7% 9% 10% (HO 6) Auto & Tenants (HO 4 and 7% 9% 10% Renters’ Essentials)

I. Good Student










Rule 19 Page 7 of 7

J. Loyalty






Rule 26 Page 1 of 3

Effective DECEMBER 1, 2015 RULE 26. ADDITIONAL RATING FACTORS A. DRIVING EXPERIENCE FACTOR




license 1.095 1.040






Rule 26 Page 2 of 3

B. LIMIT/VEHICLES FACTOR

Determine if the vehicle qualifies for a multi-car discount. Determine the Prior Each Person Bodily Injury Liability Limit for the policy. The premium for each coverage is determined by applying the Prior Limit/Vehicles factor for the appropriate Each Person Prior Bodily Injury Liability Limit and single/multi-car status from the tables below to Parts 1, 2, 3, 4, 5, 6, 7, 9, and 12. For vehicles without Part 5 Optional BI, a factor of 1.00 should be used for Parts 1, 2, 3, 4, 5, 6, 7, 9 and 12.


PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI <=20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 1.00 1.00 1.00 >=100 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00


PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI 20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 0.95 0.95 1.00 >=100 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95

The Prior Bodily Injury limit is determined at the time of application for New Business or in preparation of renewal for renewal business. The Bodily Injury Per Person limit is the limit from the prior carrier for New Business and the limit from the expiring policy for Renewal business. For servicemen with a gap in coverage due to active military duty, the prior limit and coverage refer to that which was in force prior to that duty. For prior policies with Part 1 coverage but not Part 5 coverage, the Prior BI limit is assumed to be 20/40.


Rule 26 Page 3 of 3

C. Household Assessment Level Factors*

A Household Assessment Profile (HAP) is calculated at New Business or in preparation of Renewal. The HAP considers the following attributes in determining the Household Assessment Level, or HAL. 1. The number of late payments in the last three years. 2. The number of cancellation notices in the last three years. 3. Years the account has been in-force with Amica. 4. Years of tenure with the prior carrier. 5. Prior Bodily Injury Accident Limit. 6. Number of Homeowners policies in force. 7. Number of Umbrella and Ocean Marine policies in force. 8. Vehicle Density Group. 9. Maximum Years Licensed. 10. Minimum Years Licensed. 11. Minimum Vehicle Age. 12. Number of Vehicles. The Household Assessment Level deterioration is limited to one (1) HAL on renewal. There is no limitation on HAL improvement. The HAP is not recalculated midterm.

HAL HAP Score

Range

Part 1

Part 2

Part 3

Part 4

Part 5

Part 6

Part 7**

Part 8

Part 9

Part 10

Part 11

Part 12

1 <= 1.019 0.80 0.85 0.90 0.85 0.80 0.90 0.89 0.89 0.84 0.84 0.84 0.90

2 1.020 - 1.183 0.83 0.87 0.92 0.87 0.83 0.93 0.90 0.90 0.87 0.87 0.87 0.92

3 1.184 - 1.323 0.86 0.89 0.94 0.89 0.86 0.95 0.91 0.91 0.90 0.90 0.90 0.94

4 1.324 - 1.519 0.90 0.91 0.96 0.91 0.90 0.98 0.91 0.91 0.90 0.90 0.90 0.96

5 1.520 - 1.692 1.00 1.00 0.98 0.98 1.00 1.00 0.97 0.97 1.00 1.00 1.00 0.98

6 1.693 - 1.907 1.10 1.00 1.00 1.00 1.10 1.00 1.00 1.00 1.00 1.00 1.00 1.00

7 1.908 - 2.174 1.20 1.02 1.05 1.07 1.20 1.00 1.10 1.10 1.00 1.00 1.00 1.05

8 2.175 - 2.544 1.20 1.02 1.25 1.20 1.20 1.00 1.15 1.15 1.10 1.10 1.10 1.25

9 2.545 - 3.311 1.20 1.30 1.30 1.30 1.20 1.30 1.20 1.20 1.10 1.10 1.10 1.30

10 >=3.312 1.32 1.30 1.30 1.30 1.32 1.30 1.30 1.30 1.25 1.25 1.25 1.30



Effective DECEMBER 1, 2015



B. Billing





$239.99 to $80.00 $1.00 $79.99 or less $0.00




1. Payment in Full



A discount of 4% will apply if the policyholder pays the entire premium in full. The full payment must be made prior to the due date of the first bill. The discount will apply to Parts 1-12 and the Waiver of Collision Deductible option. Finance company payments do not qualify for the discount.

2. Ten Payment Plan



E-4
















E-5





1 123.73 195.28 138.53 365.45 192.48 329.19 172.96 119.502 135.36 213.88 156.51 398.92 219.45 359.87 197.14 131.133 140.65 223.17 168.14 430.54 233.40 387.76 210.15 137.484 153.34 250.14 174.49 481.68 272.46 433.33 245.50 148.055 167.09 265.03 209.39 538.41 310.59 485.41 278.97 166.036 172.37 279.90 196.70 548.64 337.55 493.77 303.14 167.097 175.55 270.60 217.85 583.04 344.06 525.40 308.73 170.268 182.95 293.84 219.96 600.71 362.66 541.20 326.39 178.729 227.37 342.20 271.78 675.10 410.08 607.22 369.16 222.08

10 212.56 369.16 280.24 662.09 435.19 596.06 392.42 215.7311 205.15 401.72 276.01 650.93 437.98 585.83 394.28 233.7112 227.37 383.12 302.45 651.86 470.52 586.76 424.03 222.0813 283.41 455.65 356.38 715.09 518.88 643.49 465.88 276.0114 306.68 461.22 385.99 680.68 518.88 612.80 466.81 299.2715 352.15 496.57 391.28 655.58 541.20 590.49 487.27 337.3516 288.70 494.71 498.08 626.75 511.44 564.44 461.22 296.1017 232.65 396.13 283.41 673.25 398.92 605.36 358.93 233.7118 245.34 534.69 333.12 715.09 515.17 643.49 464.02 278.1219 276.01 483.54 365.90 632.33 483.54 570.03 435.19 306.6820 267.55 517.02 360.61 687.19 521.67 619.31 469.60 296.1021 338.40 537.48 505.49 689.05 565.37 620.24 508.65 469.5322 304.56 490.98 449.45 629.54 507.72 567.24 456.58 415.6023 231.59 452.86 359.55 636.98 468.67 572.81 422.18 235.8224 234.76 404.51 296.10 639.76 421.25 574.67 378.46 237.9425 231.59 456.58 311.97 641.63 483.54 577.47 435.19 252.7426 286.58 497.50 399.74 628.60 517.95 565.37 465.88 276.0127 106.81 178.54 118.44 327.32 162.74 294.77 146.92 109.9840 268.60 444.49 333.12 650.93 464.02 585.83 418.45 283.4141 278.12 439.84 365.90 652.79 489.12 586.76 439.84 285.5342 344.75 488.20 396.57 649.06 530.97 583.97 477.97 350.0343 318.31 496.57 399.74 666.73 546.78 600.71 491.91 343.6944 279.18 506.80 507.60 640.70 520.74 576.53 468.67 283.4145 347.92 514.23 416.65 704.86 574.67 634.19 516.10 361.66


1





1 52.06 78.30 58.57 145.15 80.21 129.87 72.58 52.062 55.00 84.50 63.62 155.71 88.30 140.53 78.81 53.923 60.50 88.47 68.07 169.33 94.17 152.21 83.72 58.354 62.78 98.17 71.44 187.76 107.70 168.70 97.22 61.705 68.27 102.08 82.34 207.02 120.21 186.03 108.75 68.276 68.63 106.68 78.28 209.58 130.28 187.86 117.06 67.557 75.92 111.72 92.19 241.60 144.20 216.77 128.91 73.758 76.93 117.35 91.02 239.46 146.91 215.61 131.66 74.769 95.44 134.65 109.54 266.42 164.24 240.64 148.01 91.1110 87.85 144.20 111.71 254.01 171.89 228.22 154.70 86.7711 85.68 156.60 110.63 250.19 172.85 225.37 155.65 93.2712 92.19 149.92 119.30 250.19 185.25 225.37 167.11 88.9413 114.96 183.34 140.99 274.06 204.35 247.32 184.30 111.7114 129.06 192.89 157.27 270.25 211.04 243.51 190.98 123.6415 144.25 206.27 160.51 262.60 221.54 236.82 199.57 135.5816 121.47 205.31 201.73 249.24 208.18 224.41 187.17 123.6417 93.07 151.34 110.58 258.35 155.21 232.32 138.81 93.0718 95.44 199.57 126.89 263.56 194.80 236.82 174.75 108.4619 111.71 191.94 144.25 241.60 189.08 216.77 169.98 122.5620 111.71 214.86 147.50 272.15 211.99 245.41 190.98 126.8921 135.58 214.86 202.81 264.51 222.50 238.73 200.53 188.7222 133.40 214.86 199.56 265.47 218.67 238.73 196.72 183.2923 92.19 182.39 142.08 244.46 184.30 219.63 166.15 94.3524 94.81 156.52 117.43 243.78 165.05 219.13 148.93 94.8125 95.44 184.30 124.73 248.28 191.94 222.50 171.89 106.2926 116.05 200.53 158.34 243.51 205.31 219.63 185.25 112.8027 45.29 71.21 49.60 129.13 67.42 116.79 59.82 48.5340 113.88 184.30 136.65 258.79 189.08 232.05 170.93 117.1341 113.88 181.44 148.58 256.87 196.72 232.05 177.62 117.1342 143.16 203.40 163.77 259.74 216.77 233.96 195.76 143.1643 131.23 205.31 163.77 266.42 223.45 239.69 200.53 140.9944 117.13 209.12 206.07 254.96 212.95 230.14 190.98 119.3045 138.82 205.31 164.86 271.19 225.37 243.51 203.40 143.16


2





1 166.15 261.25 210.96 513.87 318.88 462.96 287.19 173.812 180.36 275.67 217.53 556.13 342.90 500.42 308.32 184.743 182.55 280.46 229.55 572.46 341.94 514.83 307.36 194.574 194.57 291.99 232.83 614.72 367.87 553.25 331.38 213.155 201.13 304.48 239.39 653.14 402.45 587.82 362.11 225.176 210.96 307.36 251.41 651.22 412.05 586.86 371.72 226.277 214.24 307.36 262.34 663.70 435.10 597.43 390.93 232.838 218.62 329.45 272.18 691.56 439.91 622.40 395.72 245.959 228.46 340.01 273.27 711.73 446.64 641.61 402.45 236.1010 220.81 329.45 263.43 685.79 430.31 616.64 387.08 226.2711 219.71 353.47 272.18 688.68 434.14 619.53 389.97 231.7412 238.29 351.55 284.20 686.76 452.39 618.56 408.22 242.6713 263.43 371.72 299.51 727.10 479.29 655.06 432.22 263.4314 275.46 402.45 317.00 729.98 495.62 656.98 445.67 283.1215 291.86 437.99 333.39 733.82 530.19 660.82 477.37 297.3216 251.41 423.58 324.65 706.93 467.77 635.85 421.66 260.1517 233.93 394.76 279.83 712.69 415.89 641.61 374.59 233.9318 255.79 443.75 311.53 729.98 472.56 657.95 426.46 252.5019 259.06 424.54 310.44 686.76 442.79 618.56 398.61 250.3220 251.41 442.79 306.07 736.71 468.73 662.74 422.62 264.5321 297.32 488.89 357.44 727.10 526.36 654.10 473.52 298.4122 360.72 499.46 424.12 693.48 540.76 625.28 487.94 351.9823 214.24 429.35 313.72 695.40 460.08 625.28 413.97 235.0124 263.43 434.14 315.91 705.97 445.67 634.89 400.53 257.9725 250.32 470.64 313.72 707.89 493.69 637.77 444.71 264.5326 301.69 486.02 391.32 697.33 532.11 627.20 478.33 298.4127 161.78 250.69 191.29 489.85 284.31 440.87 255.50 161.7840 228.46 374.59 283.12 680.99 428.39 612.80 386.12 263.4341 233.93 367.87 295.13 685.79 458.16 617.60 413.01 247.0342 232.83 393.80 318.09 698.29 494.66 629.13 445.67 275.4643 279.83 422.62 330.12 729.02 524.44 655.06 471.60 284.2044 225.17 421.66 325.74 720.37 476.41 647.37 428.39 232.8345 286.39 426.46 326.84 733.82 524.44 660.82 471.60 291.86


3





1 20.57 36.33 25.98 62.14 33.46 56.41 30.60 20.572 21.65 39.19 28.15 67.87 37.29 61.19 33.46 21.653 22.74 41.11 30.31 73.62 40.16 65.97 36.33 22.744 24.91 46.85 32.48 82.22 46.85 73.62 41.11 24.915 27.07 49.72 37.90 92.74 52.58 83.18 47.80 29.246 28.15 52.58 35.73 93.69 57.36 84.13 51.63 29.247 29.24 50.67 38.97 99.43 58.31 88.91 52.58 29.248 29.24 54.50 40.06 102.30 61.19 92.74 55.45 30.319 37.90 63.09 49.80 114.73 69.79 103.25 62.14 36.8110 35.73 64.06 50.89 107.08 72.66 97.52 65.01 35.7311 36.81 71.70 48.72 105.16 73.62 95.60 65.97 41.1412 38.97 68.84 54.13 106.12 79.35 95.60 71.70 42.2313 47.63 85.09 64.96 116.64 87.96 104.21 79.35 47.6314 51.97 87.00 68.21 110.90 87.00 100.38 77.44 50.8915 61.71 91.78 71.45 107.08 91.78 96.56 82.22 60.6316 66.04 86.04 83.37 100.38 86.04 90.82 77.44 68.2117 40.06 68.84 49.80 113.77 66.92 102.30 59.28 40.0618 49.80 95.60 59.55 114.73 87.00 103.25 78.40 57.3819 51.97 87.96 63.88 102.30 81.26 92.74 73.62 59.5520 54.13 94.65 66.04 110.90 86.04 100.38 77.44 62.7921 75.78 95.60 92.03 111.86 95.60 101.34 86.04 93.1022 68.21 87.00 84.44 101.34 86.04 91.78 77.44 83.3723 37.90 86.04 62.79 101.34 78.40 91.78 70.75 40.0624 38.97 68.84 50.89 101.34 68.84 91.78 62.14 41.1425 44.39 87.00 57.38 104.21 81.26 93.69 73.62 47.6326 54.13 87.00 68.21 101.34 87.00 91.78 77.44 54.1327 19.49 33.46 21.65 56.41 27.73 50.67 24.85 19.4940 43.30 80.31 59.55 105.16 78.40 94.65 70.75 45.4741 45.47 82.22 64.96 105.16 82.22 94.65 73.62 47.6342 57.38 89.87 69.29 105.16 88.91 93.69 80.31 60.6343 55.22 91.78 71.45 107.08 91.78 96.56 82.22 61.7144 59.55 87.96 84.44 102.30 87.00 91.78 77.44 68.2145 59.55 97.52 75.78 115.68 96.56 103.25 87.00 64.96


4





1 251.67 489.20 333.39 896.38 494.99 805.68 445.78 250.582 266.93 505.60 341.01 952.34 494.99 856.82 444.82 265.833 264.75 520.07 358.45 952.34 512.36 857.78 461.22 264.754 277.83 541.31 362.80 984.19 546.13 886.73 490.17 276.735 296.35 571.21 390.03 1046.91 601.13 942.70 541.31 294.166 307.24 597.26 405.30 1055.59 622.35 949.45 560.61 305.067 329.60 621.36 445.13 1070.02 661.72 962.08 596.02 324.318 330.12 601.13 453.23 1044.01 645.51 939.80 579.90 327.939 346.46 631.03 453.23 1092.25 680.25 982.26 611.74 344.2810 318.14 609.81 430.36 1032.43 659.98 930.15 592.44 322.4911 341.01 673.50 465.21 994.81 660.95 894.45 593.41 338.8312 398.76 729.46 513.15 1050.76 761.29 945.59 684.10 396.5713 408.57 673.50 555.64 1078.75 782.53 970.68 703.40 402.0314 452.15 746.82 604.68 1054.63 818.23 948.49 735.24 449.9615 540.39 782.53 652.61 1049.80 854.90 945.59 769.02 528.4116 470.67 747.79 580.70 1010.24 716.92 908.92 645.51 453.2317 362.80 677.35 477.19 1028.58 641.65 926.29 577.01 361.7218 433.61 734.29 551.29 985.16 738.14 887.70 664.80 423.8219 440.67 732.34 615.65 935.51 753.13 841.96 677.53 437.4720 515.33 799.89 654.78 1040.15 821.13 934.97 738.14 501.1721 537.12 814.36 752.84 1033.40 933.05 930.15 839.45 646.0722 594.87 805.68 772.46 1023.75 901.20 921.47 811.48 800.7823 380.27 746.25 671.94 974.91 789.31 877.32 709.90 427.8024 429.26 737.17 605.76 997.69 756.47 899.28 681.22 427.0925 442.01 764.68 652.19 997.83 799.23 898.05 719.59 465.8426 520.77 761.29 713.62 955.24 828.84 859.72 745.86 571.9927 239.69 468.94 307.24 868.40 459.29 781.56 413.93 238.6040 379.88 647.22 519.39 977.01 702.34 878.16 632.97 387.4041 359.53 676.39 551.29 998.66 748.76 899.28 673.50 372.6142 415.09 724.64 628.64 992.87 797.96 892.52 718.84 405.3043 463.04 746.82 631.91 1014.10 832.70 913.75 747.79 452.1544 414.01 737.17 545.83 997.69 691.82 899.28 623.32 398.7645 485.92 742.97 639.53 1027.61 833.66 922.44 750.69 472.84


5





1 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.632 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.633 130.61 130.61 130.61 130.61 130.61 130.61 130.61 130.614 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.005 134.87 134.87 134.87 134.87 134.87 134.87 134.87 134.876 129.55 129.55 129.55 129.55 129.55 129.55 129.55 129.557 145.35 145.35 145.35 145.35 145.35 145.35 145.35 145.358 135.80 135.80 135.80 135.80 135.80 135.80 135.80 135.809 139.11 139.11 139.11 139.11 139.11 139.11 139.11 139.11

10 144.43 144.43 144.43 144.43 144.43 144.43 144.43 144.4311 150.06 150.06 150.06 150.06 150.06 150.06 150.06 150.0612 155.05 155.05 155.05 155.05 155.05 155.05 155.05 155.0513 191.88 191.88 191.88 191.88 191.88 191.88 191.88 191.8814 180.34 180.34 180.34 180.34 180.34 180.34 180.34 180.3415 229.26 229.26 229.26 229.26 229.26 229.26 229.26 229.2616 367.74 367.74 367.74 367.74 367.74 367.74 367.74 367.7417 131.68 131.68 131.68 131.68 131.68 131.68 131.68 131.6818 261.10 261.10 261.10 261.10 261.10 261.10 261.10 261.1019 289.55 289.55 289.55 289.55 289.55 289.55 289.55 289.5520 256.95 256.95 256.95 256.95 256.95 256.95 256.95 256.9521 353.01 353.01 353.01 353.01 353.01 353.01 353.01 353.0122 402.90 402.90 402.90 402.90 402.90 402.90 402.90 402.9023 242.12 242.12 242.12 242.12 242.12 242.12 242.12 242.1224 181.05 181.05 181.05 181.05 181.05 181.05 181.05 181.0525 272.64 272.64 272.64 272.64 272.64 272.64 272.64 272.6426 324.95 324.95 324.95 324.95 324.95 324.95 324.95 324.9527 109.38 109.38 109.38 109.38 109.38 109.38 109.38 109.3840 165.02 165.02 165.02 165.02 165.02 165.02 165.02 165.0241 166.39 166.39 166.39 166.39 166.39 166.39 166.39 166.3942 203.69 203.69 203.69 203.69 203.69 203.69 203.69 203.6943 217.70 217.70 217.70 217.70 217.70 217.70 217.70 217.7044 344.65 344.65 344.65 344.65 344.65 344.65 344.65 344.6545 231.50 231.50 231.50 231.50 231.50 231.50 231.50 231.50


6






Part 3 Part 12

(U-1) (U-2)


5,000 1.000 20/40 1.00 20/40 $14.23 $0.00

10,000 1.204 20/50 1.01 20/50 $15.25 $1.04

15,000 1.220 25/50 1.05 25/50 $16.27 $3.11

20,000 1.232 25/60 1.06 25/60 $17.29 $4.14

25,000 1.242 35/80 1.16 35/80 $18.30 $12.43

30,000 1.249 50/100 1.27 50/100 $19.31 $21.76

35,000 1.254 100/100 1.48 100/100 $20.33 $46.62

40,000 1.258 100/200 1.49 100/200 $21.35 $47.66

45,000 1.262 100/300 1.50 100/300 $22.37 $48.69

50,000 1.265 200/400 1.83 200/400 $26.44 $113.96

75,000 1.274 250/500 1.94 250/500 $27.45 $135.72

80,000 1.275 250/1000 1.99 250/1000 $28.46 $146.08

100,000 1.280 300/500 2.18 300/500 $30.50 $191.66

150,000 1.292 500/500 2.86 500/500 $39.65 $350.17

200,000 1.303 500/1000 2.91 500/1000 $40.67 $360.53

250,000 1.309

300,000 1.314

400,000 1.323

500,000 1.329

750,000 1.338

1,000,000 1.348

Part 6



$15 day/$450 Maximum $12.83 $46.35 5,000 $21.43

$20 day/$600 Maximum 27.80 61.80 10,000 28.93

$30 day/$900 Maximum 57.73 92.70 15,000 36.43

$40 day/$1,200 Maximum 102.64 145.23 20,000 39.65

$45 day$1,350 Maximum 125.09 172.01 25,000 43.93

$50 day/$1,500 Maximum 147.54 188.49 50,000 50.36

$75 day/$2,250 Maximum 160.37 272.95 100,000 60.01

$100 day/$3,000 Maximum 187.10 356.38




$50.00 Limit



$100.00 Limit





1 $21

2 39


7


Flat Rates

8




Part 5 Bodily Injury Increased Limit FactorsLIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 1.00 1.05 1.11 1.1945 1.05 1.11 1.1950 1.01 1.05 1.11 1.19 1.2660 1.0670 1.01 1.06 1.11 1.20 1.2680 1.16

100 1.02 1.07 1.12 1.20 1.27 1.48150 1.02 1.07 1.13 1.21 1.28 1.49 1.67200 1.02 1.08 1.13 1.21 1.28 1.49 1.68 1.81250 1.02 1.08 1.13 1.22 1.28 1.50 1.69 1.82 1.92300 1.03 1.08 1.13 1.22 1.29 1.50 1.69 1.82 1.93 2.15350 1.29 1.50 1.69 1.83 1.93 2.16400 1.29 1.51 1.70 1.83 1.93 2.17 2.55500 1.29 1.51 1.70 1.84 1.94 2.18 2.56 2.86600 1.30 1.52 1.71 1.84 1.95 2.19 2.58 2.87 2.98700 1.30 1.52 1.71 1.84 1.96 2.20 2.59 2.88 2.98 3.05800 1.30 1.52 1.71 1.85 1.97 2.21 2.60 2.89 2.98 3.05 3.11900 1.30 1.53 1.72 1.85 1.98 2.22 2.60 2.90 2.99 3.05 3.11 3.17

1000 1.30 1.53 1.72 1.85 1.99 2.23 2.61 2.91 2.99 3.06 3.12 3.17 3.21

Additional Increased Limit Factors Limit 45/45 1.23

750/750 3.08

LIMIT PER ACCIDEN

T (000's)

9




Coverage U-1 (Uninsured Motorists) Rates for Vehicles Other Than Motorcycles LIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 14.23 16.27 17.29 18.3045 16.27 17.29 18.3050 15.25 16.27 17.29 18.30 19.3160 17.2970 15.25 17.29 18.30 18.30 19.3180 18.30

100 15.25 17.29 18.30 18.30 19.31 20.33150 15.25 17.29 18.30 18.30 19.31 21.35 24.40200 15.25 17.29 18.30 18.30 19.31 21.35 24.40 26.44250 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45300 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45 30.50350 19.31 22.37 24.40 26.44 27.45 30.50400 19.31 22.37 24.40 26.44 27.45 30.50 35.58500 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65600 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65 41.68700 19.31 22.37 25.42 26.44 27.45 30.50 35.58 39.65 41.68 42.70800 19.31 22.37 25.42 26.44 28.46 30.50 35.58 40.67 41.68 42.70 42.70900 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71

1000 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71 44.73


750/750 42.70

Coverage U-2 (Underinsured Motorists) Rates for Vehicles Other Than Motorcycles LIMIT PER PERSON (000s)

20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 100040 0.00 3.11 8.29 14.5045 3.11 8.29 15.5450 1.04 3.11 8.29 15.54 20.7260 4.1470 1.04 4.14 8.29 15.54 21.7680 12.43

100 1.04 5.18 9.32 16.58 21.76 46.62150 1.04 5.18 9.32 16.58 22.79 47.66 82.88200 2.07 5.18 10.36 16.58 22.79 47.66 83.92 110.85250 2.07 6.22 10.36 17.61 23.83 48.69 84.95 111.89 132.61300 2.07 6.22 10.36 17.61 23.83 48.69 85.99 112.92 133.64 183.37350 23.83 49.73 87.02 112.92 133.64 186.48400 23.83 49.73 87.02 113.96 134.68 188.55 277.65500 24.86 50.76 88.06 115.00 135.72 191.66 280.76 350.17600 24.86 51.80 89.10 116.03 138.82 194.77 283.86 353.28 368.82700 24.86 52.84 90.13 117.07 140.90 196.84 285.94 355.35 369.85 378.14800 25.90 52.84 90.13 117.07 142.97 198.91 288.01 357.42 369.85 378.14 386.43900 25.90 53.87 91.17 118.10 144.00 200.98 290.08 358.46 370.89 379.18 386.43 392.64

1000 25.90 53.87 91.17 118.10 146.08 202.02 292.15 360.53 370.89 379.18 386.43 392.64 398.86


750/750 382.28LIM

IT PER ACCIDENT (000's)

LIMIT PER ACCIDEN

T (000's)



Additional Increased Limits Factors and Flat Rates

Unless otherwise specified, the basic limits rate shown on the rate pages are for $20,000/$40,000 bodily injury (Parts 1 and 5) and $5,000 property damage (Part 4). The charge for bodily injury increased limits is determined

by applying the factors shown on the Increased Limits Tables to the total of the adjusted Part 1 premium and Part 5 basic limits premium and then subtracting the adjusted Part 1 premium.


1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.1002 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.119

3 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.102

4 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.094

5 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.129

6 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.113

7 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.124

8 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.139

9 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.145

10 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.107

11 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.138

12 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.185

13 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.144

14 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.200

15 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.156

16 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.219

17 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.162

18 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.227

19 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.170

20 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.150

21 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.183

22 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.294

23 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.111

24 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.250

25 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.132

26 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.131

27 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.089

40 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.051

41 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.177

42 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.088

43 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.154

44 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.19645 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

10





(a) (b) (c)1 0.831 0.791 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 0.117

2 1.037 0.988 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 0.135

3 1.097 1.045 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 0.161

4 1.162 1.107 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 0.193

5 1.232 1.173 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 0.228

6 1.306 1.244 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 0.266

7 1.347 1.283 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 0.314

8 1.387 1.321 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581 0.372

10 1.474 1.404 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 0.436

11 1.563 1.489 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 0.520

12 1.612 1.535 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 0.612

13 1.660 1.581 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 0.728

14 1.715 1.633 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 0.865

15 1.766 1.682 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 1.021

16 1.823 1.736 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 1.214

17 1.877 1.788 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 1.44418 1.938 1.846 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.994 1.66119 1.997 1.902 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.058 1.87720 2.062 1.964 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.150 2.09421 2.124 2.023 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.242 2.31022 2.175 2.071 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.33423 2.195 2.090 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.42624 2.212 2.107 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.56425 2.262 2.154 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.70226 2.293 2.184 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.84027 2.352 2.240 2.133 2.031 1.934 1.84228 2.408 2.293 2.184 2.080 1.981 1.88729 2.441 2.325 2.214 2.109 2.009 1.91330 2.503 2.384 2.270 2.162 2.059 1.96131 2.563 2.441 2.325 2.214 2.109 2.00932 2.598 2.474 2.356 2.244 2.137 2.03533 2.666 2.539 2.418 2.303 2.193 2.08934 2.733 2.603 2.479 2.361 2.249 2.14235 2.769 2.637 2.511 2.391 2.277 2.16936 2.860 2.724 2.594 2.470 2.352 2.24037 2.948 2.808 2.674 2.547 2.426 2.310




11





(a) (b) (c)38 3.001 2.858 2.722 2.592 2.469 2.35139 3.085 2.938 2.798 2.665 2.538 2.417 40 3.169 3.018 2.874 2.737 2.607 2.48341 3.205 3.052 2.907 2.769 2.637 2.51142 3.260 3.105 2.957 2.816 2.682 2.55443 3.360 3.200 3.048 2.903 2.765 2.63344 3.462 3.297 3.140 2.990 2.848 2.71245 3.499 3.332 3.173 3.022 2.878 2.74146 3.590 3.419 3.256 3.101 2.953 2.81247 3.679 3.504 3.337 3.178 3.027 2.88348 3.719 3.542 3.373 3.212 3.059 2.91349 3.775 3.595 3.424 3.261 3.106 2.95850 3.857 3.673 3.498 3.331 3.172 3.02151 3.934 3.747 3.569 3.399 3.237 3.08352 3.973 3.784 3.604 3.432 3.269 3.11353 4.032 3.840 3.657 3.483 3.317 3.15954 4.137 3.940 3.752 3.573 3.403 3.24155 4.240 4.038 3.846 3.663 3.489 3.32356 4.359 4.151 3.953 3.765 3.586 3.41557 4.475 4.262 4.059 3.866 3.682 3.50758 4.611 4.391 4.182 3.983 3.793 3.61259 4.743 4.517 4.302 4.097 3.902 3.71660 4.935 4.700 4.476 4.263 4.060 3.86761 5.127 4.883 4.650 4.429 4.218 4.01762 5.460 5.200 4.952 4.716 4.491 4.27763 5.772 5.497 5.235 4.986 4.749 4.52364 6.105 5.814 5.537 5.273 5.022 4.78365 6.418 6.112 5.821 5.544 5.280 5.02966 6.899 6.570 6.257 5.959 5.675 5.40567 7.544 7.185 6.843 6.517 6.207 5.91168 8.190 7.800 7.429 7.075 6.738 6.41769 8.836 8.415 8.014 7.632 7.269 6.92370 9.463 9.012 8.583 8.174 7.785 7.41471 10.108 9.627 9.169 8.732 8.316 7.92072 10.753 10.241 9.753 9.289 8.847 8.42673 11.400 10.857 10.340 9.848 9.379 8.93274 12.046 11.472 10.926 10.406 9.910 9.43875 12.691 12.087 11.511 10.963 10.441 9.944




12





Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior(a) (b) (c)1 0.671 0.639 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 0.126

2 0.823 0.784 0.747 0.711 0.677 0.645 2 0.646 0.62 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 0.154

3 0.865 0.824 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 0.186

4 0.908 0.865 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 0.220

5 0.958 0.912 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 0.263

6 1.012 0.964 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 0.311

7 1.038 0.989 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 0.377

8 1.065 1.014 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751 0.451

10 1.121 1.068 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 0.539

11 1.184 1.128 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 0.643

12 1.218 1.160 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 0.776

13 1.251 1.191 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 0.932

14 1.285 1.224 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 1.121

15 1.320 1.257 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 1.342

16 1.359 1.294 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 1.616

17 1.394 1.328 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 1.941

18 1.434 1.366 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.255 2.232

19 1.474 1.404 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.336 2.523

20 1.515 1.443 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.453 2.814

21 1.558 1.484 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.569 3.106

22 1.581 1.506 1.434 1.366 1.301 1.239 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.685

23 1.603 1.527 1.454 1.385 1.319 1.257 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.801

24 1.626 1.549 1.475 1.405 1.338 1.274 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.975

25 1.650 1.571 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.150

26 1.687 1.607 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.324

27 1.716 1.634 1.556 1.482 1.411 1.344

28 1.743 1.660 1.581 1.506 1.434 1.366

29 1.781 1.696 1.615 1.538 1.465 1.395

30 1.813 1.727 1.645 1.567 1.492 1.421

31 1.846 1.758 1.674 1.594 1.518 1.446

32 1.882 1.792 1.707 1.626 1.549 1.475

33 1.919 1.828 1.741 1.658 1.579 1.504

34 1.955 1.862 1.773 1.689 1.609 1.532

35 1.992 1.897 1.807 1.721 1.639 1.561

36 2.058 1.960 1.867 1.778 1.693 1.612

37 2.122 2.021 1.925 1.833 1.746 1.663




13





Symbol 2016 2015 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996 & Prior(a) (b) (c)38 2.186 2.082 1.983 1.889 1.799 1.713 39 2.220 2.114 2.013 1.917 1.826 1.739 40 2.252 2.145 2.043 1.946 1.853 1.76541 2.307 2.197 2.092 1.992 1.897 1.80742 2.368 2.255 2.148 2.046 1.949 1.85643 2.430 2.314 2.204 2.099 1.999 1.90444 2.493 2.374 2.261 2.153 2.050 1.95245 2.545 2.424 2.309 2.199 2.094 1.99446 2.576 2.453 2.336 2.225 2.119 2.01847 2.606 2.482 2.364 2.251 2.144 2.04248 2.676 2.549 2.428 2.312 2.202 2.09749 2.748 2.617 2.492 2.373 2.260 2.15250 2.771 2.639 2.513 2.393 2.279 2.17051 2.793 2.660 2.533 2.412 2.297 2.18852 2.861 2.725 2.595 2.471 2.353 2.24153 2.918 2.779 2.647 2.521 2.401 2.28754 2.963 2.822 2.688 2.560 2.438 2.32255 3.008 2.865 2.729 2.599 2.475 2.35756 3.137 2.988 2.846 2.710 2.581 2.45857 3.266 3.110 2.962 2.821 2.687 2.55958 3.339 3.180 3.029 2.885 2.748 2.61759 3.413 3.250 3.095 2.948 2.808 2.67460 3.551 3.382 3.221 3.068 2.922 2.78361 3.691 3.515 3.348 3.189 3.037 2.89262 3.941 3.753 3.574 3.404 3.242 3.08863 4.199 3.999 3.809 3.628 3.455 3.29064 4.457 4.245 4.043 3.850 3.667 3.49265 4.706 4.482 4.269 4.066 3.872 3.68866 5.089 4.847 4.616 4.396 4.187 3.98867 5.605 5.338 5.084 4.842 4.611 4.39168 6.111 5.820 5.543 5.279 5.028 4.78969 6.619 6.304 6.004 5.718 5.446 5.18770 7.136 6.796 6.472 6.164 5.870 5.59071 7.649 7.285 6.938 6.608 6.293 5.99372 8.164 7.775 7.405 7.052 6.716 6.39673 8.678 8.265 7.871 7.496 7.139 6.79974 9.192 8.754 8.337 7.940 7.562 7.20275 9.705 9.243 8.803 8.384 7.985 7.605




14





100 2% 2%250 4% 5%500 8% 10%

1000 14% 19%2000 26% 35%4000 37% 48%8000 45% 59%


0 N/A $8.50 N/A300 0.17*** $5.32 1.03500 1.00 1.00 1.00750 0.85 0.80 0.911000 0.63 0.54 0.751500 0.56 0.43 0.672000 0.48 0.32 0.622500 0.46 0.30 0.573000 0.44 0.28 0.534000 0.42 0.26 0.495000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84


15


LIMITED COLLISION

$500 Deductible - Charge 6% of the collision manual rate for the same model year a




300 $10500 $13750 $151000 $161500 $202000 $252500 $253000 $254000 $255000 $25


16





Merit Rating Plan


Merit Rating Code

Years Insured 0-2 Years Insured 3-5 Years Insured 6+99 N/A N/A N/A98 N/A N/A N/A0 0.0% 0.0% 0.0%1 7.5% 7.5% 7.5%2 15.0% 15.0% 15.0%3 22.5% 22.5% 22.5%4 30.0% 30.0% 30.0%5 46.5% 46.5% 46.5%6 55.0% 55.0% 55.0%7 63.0% 63.0% 63.0%8 80.0% 80.0% 80.0%9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%11 106.0% 106.0% 106.0%12 114.5% 114.5% 114.5%13 123.0% 123.0% 123.0%14 132.0% 132.0% 132.0%15 140.5% 140.5% 140.5%16 149.0% 149.0% 149.0%17 158.0% 158.0% 158.0%18 166.5% 166.5% 166.5%19 175.0% 175.0% 175.0%20 184.0% 184.0% 184.0%21 192.5% 192.5% 192.5%22 201.0% 201.0% 201.0%23 210.0% 210.0% 210.0%24 218.5% 218.5% 218.5%25 227.0% 227.0% 227.0%26 235.5% 235.5% 235.5%27 244.5% 244.5% 244.5%28 253.0% 253.0% 253.0%29 262.0% 262.0% 262.0%30 270.5% 270.5% 270.5%31 279.0% 279.0% 279.0%32 287.5% 287.5% 287.5%33 296.5% 296.5% 296.5%34 305.0% 305.0% 305.0%35 313.5% 313.5% 313.5%36 322.5% 322.5% 322.5%37 331.0% 331.0% 331.0%38 339.5% 339.5% 339.5%39 348.5% 348.5% 348.5%40 357.0% 357.0% 357.0%41 365.5% 365.5% 365.5%42 374.5% 374.5% 374.5%43 383.0% 383.0% 383.0%44 391.5% 391.5% 391.5%45 400.5% 400.5% 400.5%


Classes 20, 21, 25, 26

17



Merit Rating Plan


Merit Rating Code

Years Insured 0-2 Years Insured 3-5 Years Insured 6+99 N/A N/A N/A

98** -11.7% -11.7% -11.7%0 0.0% 0.0% 0.0%1 7.5% 5.0% 0.0%2 15.0% 10.0% 0.0%3 22.5% 15.0% 7.5%4 30.0% 20.0% 10.0%5 46.5% 46.5% 46.5%6 55.0% 55.0% 55.0%7 63.0% 63.0% 63.0%8 80.0% 80.0% 80.0%9 88.5% 88.5% 88.5%10 97.0% 97.0% 97.0%11 106.0% 106.0% 106.0%12 114.5% 114.5% 114.5%13 123.0% 123.0% 123.0%14 132.0% 132.0% 132.0%15 140.5% 140.5% 140.5%16 149.0% 149.0% 149.0%17 158.0% 158.0% 158.0%18 166.5% 166.5% 166.5%19 175.0% 175.0% 175.0%20 184.0% 184.0% 184.0%21 192.5% 192.5% 192.5%22 201.0% 201.0% 201.0%23 210.0% 210.0% 210.0%24 218.5% 218.5% 218.5%25 227.0% 227.0% 227.0%26 235.5% 235.5% 235.5%27 244.5% 244.5% 244.5%28 253.0% 253.0% 253.0%29 262.0% 262.0% 262.0%30 270.5% 270.5% 270.5%31 279.0% 279.0% 279.0%32 287.5% 287.5% 287.5%33 296.5% 296.5% 296.5%34 305.0% 305.0% 305.0%35 313.5% 313.5% 313.5%36 322.5% 322.5% 322.5%37 331.0% 331.0% 331.0%38 339.5% 339.5% 339.5%39 348.5% 348.5% 348.5%40 357.0% 357.0% 357.0%41 365.5% 365.5% 365.5%42 374.5% 374.5% 374.5%43 383.0% 383.0% 383.0%44 391.5% 391.5% 391.5%45 400.5% 400.5% 400.5%



Classes 17 and 18

18



Merit Rating Plan



99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 82.5% 66.5% 50.5%6 99.0% 87.0% 75.0%7 115.5% 107.5% 99.5%8 132.0% 128.0% 124.0%9 148.5% 148.5% 148.5%10 165.0% 165.0% 165.0%11 181.5% 181.5% 181.5%12 198.0% 198.0% 198.0%13 214.5% 214.5% 214.5%14 231.0% 231.0% 231.0%15 247.5% 247.5% 247.5%16 264.0% 264.0% 264.0%17 280.5% 280.5% 280.5%18 297.0% 297.0% 297.0%19 313.5% 313.5% 313.5%20 330.0% 330.0% 330.0%21 346.5% 346.5% 346.5%22 363.0% 363.0% 363.0%23 379.5% 379.5% 379.5%24 396.0% 396.0% 396.0%25 412.5% 412.5% 412.5%26 429.0% 429.0% 429.0%27 445.5% 445.5% 445.5%28 462.0% 462.0% 462.0%29 478.5% 478.5% 478.5%30 495.0% 495.0% 495.0%31 511.5% 511.5% 511.5%32 528.0% 528.0% 528.0%33 544.5% 544.5% 544.5%34 561.0% 561.0% 561.0%35 577.5% 577.5% 577.5%36 594.0% 594.0% 594.0%37 610.5% 610.5% 610.5%38 612.5% 612.5% 612.5%39 643.5% 643.5% 643.5%40 660.0% 660.0% 660.0%41 676.5% 676.5% 676.5%42 693.0% 693.0% 693.0%43 709.5% 709.5% 709.5%44 726.0% 726.0% 726.0%45 742.5% 742.5% 742.5%



19



Merit Rating Plan



99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 88.0% 72.0% 56.0%6 104.5% 92.5% 80.5%7 121.0% 113.0% 105.0%8 160.5% 156.5% 152.5%9 179.0% 179.0% 179.0%10 197.0% 197.0% 197.0%11 215.0% 215.0% 215.0%12 233.0% 233.0% 233.0%13 251.5% 251.5% 251.5%14 269.5% 269.5% 269.5%15 287.5% 287.5% 287.5%16 305.5% 305.5% 305.5%17 323.5% 323.5% 323.5%18 342.0% 342.0% 342.0%19 360.0% 360.0% 360.0%20 378.0% 378.0% 378.0%21 396.0% 396.0% 396.0%22 414.0% 414.0% 414.0%23 432.5% 432.5% 432.5%24 450.5% 450.5% 450.5%25 468.5% 468.5% 468.5%26 486.5% 486.5% 486.5%27 505.0% 505.0% 505.0%28 523.0% 523.0% 523.0%29 541.0% 541.0% 541.0%30 559.0% 559.0% 559.0%31 577.5% 577.5% 577.5%32 595.5% 595.5% 595.5%33 613.5% 613.5% 613.5%34 631.5% 631.5% 631.5%35 649.5% 649.5% 649.5%36 668.0% 668.0% 668.0%37 686.0% 686.0% 686.0%38 704.0% 704.0% 704.0%39 722.0% 722.0% 722.0%40 740.5% 740.5% 740.5%41 758.5% 758.5% 758.5%42 776.5% 776.5% 776.5%43 794.5% 794.5% 794.5%44 812.5% 812.5% 812.5%45 831.0% 831.0% 831.0%



20



Merit Rating Plan



99 -21.2% -21.2% -21.2%98 -7.0% -11.7% -21.2%0 0.0% -5.0% -10.0%1 15.0% 10.0% 0.0%2 30.0% 20.0% 0.0%3 45.0% 30.0% 15.0%4 60.0% 40.0% 20.0%5 88.0% 72.0% 56.0%6 104.5% 92.5% 80.5%7 121.0% 113.0% 105.0%8 156.0% 152.0% 148.0%9 174.5% 174.5% 174.5%10 192.5% 192.5% 192.5%11 210.5% 210.5% 210.5%12 229.0% 229.0% 229.0%13 247.0% 247.0% 247.0%14 265.0% 265.0% 265.0%15 283.5% 283.5% 283.5%16 301.5% 301.5% 301.5%17 319.5% 319.5% 319.5%18 337.5% 337.5% 337.5%19 356.0% 356.0% 356.0%20 374.0% 374.0% 374.0%21 392.0% 392.0% 392.0%22 410.5% 410.5% 410.5%23 428.5% 428.5% 428.5%24 446.5% 446.5% 446.5%25 465.0% 465.0% 465.0%26 483.0% 483.0% 483.0%27 501.0% 501.0% 501.0%28 519.0% 519.0% 519.0%29 537.5% 537.5% 537.5%30 555.5% 555.5% 555.5%31 573.5% 573.5% 573.5%32 592.0% 592.0% 592.0%33 610.0% 610.0% 610.0%34 628.0% 628.0% 628.0%35 646.5% 646.5% 646.5%36 664.5% 664.5% 664.5%37 682.5% 682.5% 682.5%38 700.5% 700.5% 700.5%39 719.0% 719.0% 719.0%40 737.0% 737.0% 737.0%41 755.0% 755.0% 755.0%42 773.5% 773.5% 773.5%43 791.5% 791.5% 791.5%44 809.5% 809.5% 809.5%45 828.0% 828.0% 828.0%



21

TABLE OF CONTENTS

Page









ADDITIONAL RULES

Electronic Delivery, Billing and Premium Payment Options………………………E-4 – E-5 Good Driving Rewards Program………………………………………………………….E-1 Platinum Package Discount……………………………………………………………….E-3 Identify Fraud Protection…………………………………………………………………..E-3

ADDITIONAL ITEMS





T-1



Except for East Boston and South Boston, sections of cities and towns designated “North,” “East,” “South,” and “West” or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation).

In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in

which case both are listed.

Counties are indicated by the Statistical Code Numbers as follows:

Left Hand Digit County Left Hand Digit County 0 ........................................

Barnstable Dukes Nantucket Plymouth

4 ........................................

Franklin Hampden

5 ........................................ Hampshire 6 ........................................ Middlesex

1 ........................................ Berkshire 7 ........................................ Norfolk 2 ........................................ Bristol 8 ........................................ Suffolk 3 ........................................ Essex 9 ........................................ Worcester

T-2

CITY OF BOSTON

Definition

Rating Territory

Statistical Code

BOSTON CENTRAL - (Zip Codes 02101-02118, 0 2 1 0 8 - 0 2 1 1 1 , 0 2 1 13 -0 2 1 1 6 , 0 2 11 8 , 02123, 02133, 02199, 02201, 02202, 02203,

02210, 02215, 0222202241) 23 821

BRIGHTON - (Zip Codes 02134, 02135, 02163) 24 822

CHARLESTOWN - EAST BOSTON - (Zip Codes 02128, 02129) 26 824

DORCHESTER - (North Dorchester and South

Dorchester) - (Zip Codes 02122, 02124, 02125, 02126) 21 819

EAST BOSTON - CHARLESTOWN - (Zip Codes

02128, 02129) 26 824

HYDE PARK - (Zip Codes 02136, 02137) 20 818

JAMAICA PLAIN - (Zip Code 02130) 19 817

ROSLINDALE - (Zip Code 02131) 18 816


22 820

SOUTH BOSTON - (Zip Code 02127) 25 823

WEST ROXBURY (Zip Code 02132) 17 815

The following list contains subdivisions of Boston with territorial schedules and statistical codes:

Name Rating Territory Statistical Code

Allston - (Brighton) 24 822 Mattapan - (Dorchester - North) 21 819Readville - (Hyde Park) 20 818

The following list contains Out of State Territorial Schedules and Statistical Codes

Rating StatisticalLocation Territory CodeConnecticut 9 991Maine 9 992New Hampshire 9 993New York 9 994Rhode Island 9 995Vermont 9 996Other 9 999

T-3

RATING TERRITORIES

Rating Statistical Rating Statistical

City or Town Territory Code A

ABINGTON .................................. 8 010

City or Town Territory Code

CHARLESTOWN - Boston (Zip

ACTON ........................................ 27 630 Codes 02128, 02129).............. 26 824ACUSHNET ................................. 7 230 CHARLTON.................................. 4 936ADAMS ........................................ 27 110 CHATHAM.................................... 27 051AGAWAM..................................... 7 420 CHELMSFORD............................ 2 612ALFORD ...................................... 27 170 CHELSEA..................................... 16 802AMESBURY................................. 2 310 CHESHIRE ................................... 27 130AMHERST ................................... 5 510 CHESTER.................................... 1 440ANDOVER ................................... 3 311 CHESTERFIELD .......................... 27 570ARLINGTON ................................ 4 610 CHICOPEE................................... 9 402ASHBURNHAM ........................... 1 930 CHILMARK ................................... 27 081ASHBY......................................... 1 670 CLARKSBURG............................. 27 131ASHFIELD ................................... 27 470 CLINTON...................................... 6 911ASHLAND .................................... 5 631 COHASSET.................................. 4 732ATHOL ......................................... 3 910 COLRAIN...................................... 1 431ATTLEBORO ............................... 5 210 CONCORD ................................... 27 613AUBURN ...................................... 6 931 CONWAY..................................... 27 473AVON ........................................... 11 730 CUMMINGTON............................ 27 571AYER ...........................................

B 3 632 D

DALTON .......................................

27

132DANVERS .................................... 5 313

BARNSTABLE ............................. 5 021 DARTMOUTH............................... 7 211BARRE......................................... 2 932 DEDHAM ...................................... 8 712BECKET....................................... 2 171 DEERFIELD................................. 27 432BEDFORD ................................... 2 633 DENNIS ........................................ 3 052BELCHERTOWN ......................... 3 530 DIGHTON ..................................... 5 232BELLINGHAM.............................. 3 731 DORCHESTER - Boston (ZipBELMONT.................................... 3 611 Codes 02122, 02124, 02125, BERKLEY .................................... 6 231 02126)..................................... 21 819BERLIN ........................................ 27 933 DOUGLAS .................................... 2 937BERNARDSTON ......................... 27 471 DOVER......................................... 2 733BEVERLY .................................... 5 312 DRACUT....................................... 6 614BILLERICA................................... 5 634 DUDLEY ....................................... 3 938BLACKSTONE............................. 2 934 DUNSTABLE ................................ 1 673BLANDFORD............................... 3 490 DUXBURY .................................... 3 031BOLTON ...................................... BOSTON CENTRAL - (Zip Codes

1 970 E EAST BOSTON - Boston (Zip

02108-02111, 0210113- 021186, Codes 02128, 02129).............. 26 8240212318, 02199, 02201, 02202, EAST BRIDGEWATER ................ 6 03202203,02210, 02215, 0222241)... 23 821 EASTBROOKFIELD.................... 2 973BOURNE...................................... 4 050 EASTHAM .................................... 27 082BOXBOROUGH........................... 27 671 EASTHAMPTON .......................... 3 511BOXFORD ................................... 3 370 EAST LONGMEADOW ................ 6 441BOYLSTON ................................. 2 971 EASTON....................................... 7 212BRAINTREE ................................ 8 710 EDGARTOWN.............................. 27 053BREWSTER................................. 27 080 EGREMONT................................. 27 172BRIDGEWATER .......................... 6 011 ERVING........................................ 27 433BRIGHTON - Boston (Zip Codes ESSEX.......................................... 2 330

02134, 02135, 02163)............. 24 822 EVERETT ..................................... 14 602BRIMFIELD.................................. 3 491 F BROCKTON................................. 45 002 FAIRHAVEN ................................. 7 213BROOKFIELD.............................. 3 935 FALL RIVER................................. 13 201BROOKLINE ................................ 8 702 FALMOUTH.................................. 3 054BUCKLAND ................................. 27 430 FITCHBURG................................. 7 902BURLINGTON ............................. 4 635 FLORIDA ...................................... 2 173

C FOXBOROUGH............................ 3 734CAMBRIDGE ............................... 11 600 FRAMINGHAM ............................. 9 615CANTON ...................................... 8 711 FRANKLIN.................................... 1 713CARLISLE.................................... 27 672 FREETOWN ................................. 5 233CARVER ...................................... 7 030CHARLEMONT............................ 27 472

T-4


G LINCOLN ...................................... 1 639GARDNER ................................... 3 912 LITTLETON .................................. 27 640GAY HEAD .................................. 27 083 LONGMEADOW........................... 4 442GEORGETOWN .......................... 3 331 LOWELL ....................................... 41 601GILL ............................................. 27 474 LUDLOW ...................................... 7 421GLOUCESTER ............................ 5 314 LUNENBURG ............................... 1 945GOSHEN ..................................... 27 573 LYNN ............................................ 43 300GOSNOLD ................................... 27 084 LYNNFIELD.................................. 7 334GRAFTON ................................... 3 913 M GRANBY...................................... 4 574 MALDEN....................................... 14 603GRANVILLE................................. 2 492 MANCHESTER............................ 27 335GREAT BARRINGTON................ 1 111 MANSFIELD ................................. 3 214GREENFIELD .............................. 3 410 MARBLEHEAD............................. 4 316GROTON ..................................... 27 636 MARION ....................................... 3 038GROVELAND .............................. 3 332 MARLBOROUGH......................... 5 618

H MARSHFIELD.............................. 7 039HADLEY....................................... 27 531 MASHPEE .................................... 5 085HALIFAX ...................................... 5 070 MATTAPOISETT .......................... 3 040HAMILTON .................................. 1 333 MAYNARD.................................... 27 620HAMPDEN ................................... 5 493 MEDFIELD................................... 27 736HANCOCK ................................... 27 174 MEDFORD................................... 12 604HANOVER ................................... 4 033 MEDWAY ..................................... 27 737HANSON...................................... 5 034 MELROSE .................................... 6 619HARDWICK ................................. 27 939 MENDON...................................... 27 946HARVARD ................................... 27 974 MERRIMAC .................................. 3 336HARWICH.................................... 1 055 METHUEN.................................... 10 317HATFIELD.................................... 27 532 MIDDLEBOROUGH..................... 6 013HAVERHILL ................................. 8 302 MIDDLEFIELD.............................. 1 576HAWLEY...................................... 27 475 MIDDLETON................................ 6 337HEATH ......................................... 2 476 MILFORD..................................... 5 915HINGHAM .................................... 4 012 MILLBURY.................................... 4 916HINSDALE ................................... 2 133 MILLIS .......................................... 27 738HOLBROOK................................. 11 735 MILLVILLE.................................... 1 947HOLDEN ...................................... 3 940 MILTON ........................................ 11 714HOLLAND .................................... 1 494 MONROE..................................... 1 479HOLLISTON................................. 2 637 MONSON..................................... 3 422HOLYOKE.................................... 40 403 MONTAGUE................................. 27 411HOPEDALE ................................. 2 941 MONTEREY ................................. 27 175HOPKINTON................................ 27 638 MONTGOMERY........................... 27 495HUBBARDSTON ......................... 1 942 MOUNTWASHINGTON............... 27 176HUDSON ..................................... 3 616 N HULL ............................................ 9 035 NAHANT....................................... 8 338HUNTINGTON ............................. 2 533 NANTUCKET................................ 27 056HYDE PARK - Boston (Zip Codes NATICK........................................ 3 621

02136, 02137)......................... 20 818 NEEDHAM.................................... 2 715I NEWASHFORD........................... 1 177

IPSWICH...................................... 2 315 NEWBEDFORD........................... 13 200J NEWBRAINTREE........................ 27 975

JAMAICA PLAIN - Boston (Zip NEWBURY ................................... 1 339Code 02130) ........................... 19 817 NEWBURYPORT ......................... 1 318

K NEWMARLBOROUGH................ 27 178KINGSTON .................................. 4 036 NEW SALEM................................ 27 480

L NEWTON...................................... 6 605LAKEVILLE .................................. 5 037 NORFOLK .................................... 1 739LANCASTER ............................... 2 943 NORTH ADAMS........................... 2 112LANESBOROUGH....................... 1 134 NORTHAMPTON......................... 3 512LAWRENCE................................. 44 303 NORTH ANDOVER...................... 5 319LEE .............................................. 27 135 NORTHATTLEBORO.................. 3 215LEICESTER ................................. 7 944 NORTHBOROUGH ...................... 27 949LENOX ......................................... 27 136 NORTHBROOKFIELD................. 3 948LEOMINSTER.............................. 5 914 NORTHBRIDGE ........................... 3 917LEVERETT .................................. 1 477 NORTH DORCHESTER - Boston LEXINGTON ................................ 2 617 (Zip Codes 02122, 02124,LEYDEN....................................... 1 478 02125, 02126) ......................... 21 819

T-5


NORTHFIELD .............................. 27 434 SHREWSBURY............................ 5 918NORTH READING....................... 5 641 SHUTESBURY ............................. 2 482NORTON ..................................... 5 234 SOMERSET................................. 6 238NORWELL ................................... 3 041 SOMERVILLE............................... 12 606NORWOOD ................................. 7 716 SOUTHAMPTON.......................... 1 580

OOAK BLUFFS...............................

27

057

SOUTHBOROUGH...................... SOUTH BOSTON - Boston (Zip

27 952

OAKHAM ..................................... 1 976 Code 02127)............................ 25 823ORANGE ..................................... 2 412 SOUTHBRIDGE ........................... 6 919ORLEANS .................................... 27 058 SOUTHHADLEY.......................... 4 513OTIS............................................. 27 179 SOUTHWICK................................ 4 444OXFORD...................................... 5 950 SPENCER .................................... 6 920

P SPRINGFIELD.............................. 42 400PALMER ...................................... 4 423 STERLING.................................... 27 953PAXTON ...................................... 5 977 STOCKBRIDGE........................... 1 138PEABODY.................................... 10 320 STONEHAM ................................. 8 623PELHAM ...................................... 27 577 STOUGHTON............................... 12 718PEMBROKE................................. 6 042 STOW........................................... 27 644PEPPERELL ................................ 27 642 STURBRIDGE .............................. 1 954PERU ........................................... 1 180 SUDBURY .................................... 27 645PETERSHAM............................... 27 978 SUNDERLAND............................. 3 436PHILLIPSTON.............................. 1 979 SUTTON....................................... 27 955PITTSFIELD................................. 4 102 SWAMPSCOTT............................ 9 322PLAINFIELD ................................ 27 578 SWANSEA.................................... 5 239PLAINVILLE................................. 4 740 T PLYMOUTH ................................. 7 014 TAUNTON .................................... 9 202PLYMPTON ................................. 6 071 TEMPLETON................................ 27 956PRINCETON................................ 27 980 TEWKSBURY............................... 5 646PROVINCETOWN ....................... 27 059 TISBURY ...................................... 27 061

Q TOLLAND ..................................... 1 496QUINCY ....................................... 12 703 TOPSFIELD.................................. 4 371

R TOWNSEND................................. 27 647RANDOLPH ................................. 14 717 TRURO......................................... 1 086RAYNHAM ................................... 6 235 TYNGSBOROUGH....................... 3 648READING..................................... 3 622 TYRINGHAM ................................ 27 184REHOBOTH................................. 4 236 U REVERE ...................................... 15 803 UPTON ......................................... 27 957RICHMOND ................................. 27 181 UXBRIDGE................................... 27 921ROCHESTER .............................. 3 043 W ROCKLAND ................................. 9 015 WAKEFIELD................................. 6 624ROCKPORT................................. 2 340 WALES ......................................... 2 497ROSLINDALE - Boston (Zip Code WALPOLE .................................... 4 719

02131) ..................................... 18 816 WALTHAM.................................... 7 607ROWE .......................................... 27 481 WARE........................................... 3 514ROWLEY ..................................... 3 341 WAREHAM................................... 8 016ROXBURY - Boston (Zip Codes WARREN...................................... 3 958

02119, 02120, 02121)............. 22 820 WARWICK.................................... 27 483ROYALSTON............................... 1 981 WASHINGTON............................. 27 185RUSSELL..................................... 3 443 WATERTOWN.............................. 7 608RUTLAND .................................... 3 951 WAYLAND.................................... 2 649

S WEBSTER.................................... 7 922SALEM......................................... 12 304 WELLESLEY ................................ 1 720SALISBURY................................. 5 342 WELLFLEET................................. 27 087SANDISFIELD ............................. 27 182 WENDELL .................................... 27 484SANDWICH ................................. 3 060 WENHAM ..................................... 2 343SAUGUS ...................................... 12 321 WESTBOROUGH......................... 2 923SAVOY......................................... 27 183 WESTBOYLSTON....................... 2 959SCITUATE ................................... 6 044 WEST BRIDGEWATER ............... 8 045SEEKONK.................................... 4 237 WESTBROOKFIELD................... 27 960SHARON...................................... 6 741 WESTFIELD ................................. 6 424SHEFFIELD ................................. 27 137 WESTFORD ................................. 27 650SHELBURNE ............................... 1 435 WESTHAMPTON ......................... 27 581SHERBORN................................. 1 674 WESTMINSTER ........................... 1 961SHIRLEY...................................... 2 643 WESTNEWBURY........................ 27 344

T-6

Rating Statistical City or Town Territory Code

WESTON ..................................... 3 651WESTPORT................................. WEST ROXBURY - Boston (Zip

Code 02132)

5

17

240

815WEST SPRINGFIELD.................. 10 425WEST STOCKBRIDGE ............... 1 139WEST TISBURY .......................... 27 088WESTWOOD ............................... 4 742WEYMOUTH................................ 9 721WHATELY.................................... 27 437WHITMAN.................................... 8 017WILBRAHAM ............................... 5 445WILLIAMSBURG ......................... 27 534WILLIAMSTOWN......................... 27 140WILMINGTON.............................. 4 652WINCHENDON............................ 3 924WINCHESTER............................. 3 625WINDSOR.................................... 1 186WINTHROP ................................. 13 810WOBURN..................................... 7 626WORCESTER.............................. 13 900WORTHINGTON ......................... 1 582WRENTHAM................................ 2 743

Y YARMOUTH ................................ 4 062





1 118.29 186.69 132.44 349.38 184.02 314.71 165.35 114.242 129.41 204.47 149.63 381.38 209.80 344.04 188.47 125.363 134.46 213.36 160.75 411.61 223.14 370.71 200.91 131.434 146.60 239.14 166.82 460.50 260.48 414.27 234.70 141.545 159.74 253.37 200.18 514.73 296.93 464.06 266.70 158.736 164.79 267.59 188.05 524.51 322.71 472.06 289.81 159.747 167.83 258.70 208.27 557.40 328.93 502.29 295.15 162.778 174.90 280.92 210.29 574.29 346.71 517.40 312.04 170.869 217.37 327.15 259.83 645.41 392.05 580.52 352.93 212.31

10 203.21 352.93 267.92 632.97 416.05 569.85 375.16 206.2411 196.13 384.05 263.87 622.30 418.72 560.07 376.94 223.4312 217.37 366.27 289.15 623.19 449.83 560.96 405.38 212.3113 270.95 435.61 340.71 683.64 496.06 615.19 445.39 263.8714 293.19 440.94 369.02 650.75 496.06 585.85 446.28 286.1115 336.66 474.73 374.07 626.75 517.40 564.52 465.84 322.5116 276.00 472.95 476.18 599.19 488.95 539.62 440.94 283.0817 222.42 378.71 270.95 643.64 381.38 578.74 343.15 223.4318 234.55 511.18 318.47 683.64 492.51 615.19 443.61 265.8919 263.87 462.28 349.81 604.52 462.28 544.96 416.05 293.1920 255.78 494.28 344.75 656.97 498.73 592.07 448.95 283.0821 323.52 513.84 483.26 658.75 540.51 592.96 486.28 448.8822 291.17 469.39 429.68 601.85 485.39 542.29 436.50 397.3223 221.41 432.94 343.74 608.97 448.06 547.62 403.61 225.4524 224.44 386.72 283.08 611.63 402.72 549.40 361.82 227.4825 221.41 436.50 298.25 613.41 462.28 552.07 416.05 241.6326 273.98 475.62 382.16 600.96 495.17 540.51 445.39 263.8727 102.11 170.69 113.23 312.93 155.58 281.81 140.46 105.1440 256.79 424.94 318.47 622.30 443.61 560.07 400.05 270.9541 265.89 420.50 349.81 624.08 467.61 560.96 420.50 272.9742 329.59 466.73 379.13 620.52 507.62 558.29 456.95 334.6443 304.31 474.73 382.16 637.41 522.73 574.29 470.28 328.5844 266.90 484.51 485.28 612.52 497.84 551.18 448.06 270.9545 332.62 491.62 398.33 673.86 549.40 606.30 493.40 345.76


1

CURRENT





1 49.39 74.29 55.57 137.71 76.10 123.22 68.86 49.392 52.48 80.63 60.71 148.58 84.26 134.09 75.20 51.453 57.62 84.26 64.83 161.27 89.69 144.96 79.73 55.574 59.68 93.32 67.91 178.48 102.38 160.36 92.41 58.655 64.83 96.94 78.20 196.60 114.16 176.67 103.28 64.836 65.86 102.38 75.12 201.13 125.03 180.29 112.34 64.837 72.03 106.00 87.47 229.22 136.81 205.66 122.31 69.978 73.06 111.44 86.44 227.41 139.52 204.76 125.03 71.009 90.55 127.75 103.93 252.77 155.83 228.31 140.43 86.44

10 83.35 136.81 105.99 241.00 163.08 216.53 146.77 82.3211 81.29 148.58 104.96 237.37 163.99 213.82 147.68 88.4912 87.47 142.24 113.19 237.37 175.76 213.82 158.55 84.3813 109.07 173.95 133.77 260.02 193.88 234.65 174.86 105.9914 122.45 183.01 149.21 256.40 200.23 231.03 181.20 117.3115 136.86 195.70 152.29 249.15 210.19 224.69 189.35 128.6316 115.25 194.79 191.39 236.47 197.51 212.91 177.58 117.3117 87.47 142.24 103.93 242.81 145.87 218.35 130.46 87.4718 90.55 189.35 120.39 250.06 184.82 224.69 165.80 102.9019 105.99 182.11 136.86 229.22 179.39 205.66 161.27 116.2820 105.99 203.85 139.94 258.21 201.13 232.84 181.20 120.3921 128.63 203.85 192.42 250.96 211.10 226.50 190.26 179.0522 126.57 203.85 189.34 251.87 207.47 226.50 186.64 173.9023 87.47 173.05 134.80 231.94 174.86 208.38 157.64 89.5224 90.55 149.49 112.16 232.84 157.64 209.29 142.24 90.5525 90.55 174.86 118.34 235.56 182.11 211.10 163.08 100.8426 110.10 190.26 150.23 231.03 194.79 208.38 175.76 107.0227 43.22 67.95 47.33 123.22 64.33 111.44 57.08 46.3140 108.05 174.86 129.65 245.53 179.39 220.16 162.17 111.1341 108.05 172.14 140.97 243.71 186.64 220.16 168.52 111.1342 135.83 192.98 155.38 246.43 205.66 221.97 185.73 135.8343 124.51 194.79 155.38 252.77 212.00 227.41 190.26 133.7744 111.13 198.41 195.51 241.90 202.04 218.35 181.20 113.1945 131.71 194.79 156.41 257.30 213.82 231.03 192.98 135.83


2

CURRENT





1 154.13 242.35 195.70 476.69 295.81 429.46 266.41 161.232 167.31 255.72 201.79 515.89 318.09 464.21 286.01 171.373 169.34 260.17 212.94 531.04 317.20 477.58 285.12 180.494 180.49 270.86 215.98 570.24 341.25 513.22 307.40 197.735 186.58 282.45 222.07 605.88 373.33 545.29 335.91 208.886 195.70 285.12 233.22 604.10 382.24 544.40 344.82 209.907 198.74 285.12 243.36 615.68 403.62 554.20 362.64 215.988 202.80 305.61 252.49 641.52 408.08 577.37 367.09 228.159 211.93 315.41 253.50 660.23 414.32 595.19 373.33 219.02

10 204.83 305.61 244.37 636.17 399.17 572.02 359.07 209.9011 203.81 327.89 252.49 638.85 402.73 574.70 361.75 214.9712 221.05 326.11 263.64 637.07 419.66 573.80 378.68 225.1113 244.37 344.82 277.84 674.49 444.61 607.66 400.95 244.3714 255.53 373.33 294.06 677.16 459.76 609.44 413.42 262.6315 270.74 406.30 309.27 680.72 491.83 613.01 442.83 275.8116 233.22 392.93 301.16 655.78 433.92 589.84 391.15 241.3317 217.00 366.20 259.58 661.12 385.80 595.19 347.49 217.0018 237.28 411.64 288.99 677.16 438.37 610.34 395.60 234.2319 240.32 393.82 287.98 637.07 410.75 573.80 369.77 232.2120 233.22 410.75 283.92 683.40 434.81 614.79 392.04 245.3921 275.81 453.52 331.58 674.49 488.27 606.77 439.26 276.8222 334.62 463.32 393.43 643.30 501.63 580.04 452.63 326.5123 198.74 398.28 291.02 645.08 426.79 580.04 384.02 218.0124 244.37 402.73 293.05 654.89 413.42 588.95 371.55 239.3025 232.21 436.59 291.02 656.67 457.97 591.62 412.53 245.3926 279.86 450.85 363.01 646.87 493.61 581.82 443.72 276.8227 150.07 232.55 177.45 454.41 263.74 408.97 237.01 150.0740 211.93 347.49 262.63 631.72 397.39 568.46 358.18 244.3741 217.00 341.25 273.78 636.17 425.01 572.91 383.13 229.1642 215.98 365.31 295.07 647.76 458.87 583.61 413.42 255.5343 259.58 392.04 306.23 676.27 486.49 607.66 437.48 263.6444 208.88 391.15 302.17 668.25 441.94 600.53 397.39 215.9845 265.67 395.60 303.19 680.72 486.49 613.01 437.48 270.74


3

CURRENT





1 19.67 34.73 24.84 59.41 31.99 53.93 29.25 19.672 20.70 37.47 26.91 64.89 35.65 58.50 31.99 20.703 21.74 39.30 28.98 70.38 38.39 63.07 34.73 21.744 23.81 44.79 31.05 78.60 44.79 70.38 39.30 23.815 25.88 47.53 36.23 88.66 50.27 79.52 45.70 27.956 26.91 50.27 34.16 89.57 54.84 80.43 49.36 27.957 27.95 48.44 37.26 95.06 55.75 85.00 50.27 27.958 27.95 52.10 38.30 97.80 58.50 88.66 53.01 28.989 36.23 60.32 47.61 109.68 66.72 98.71 59.41 35.19

10 34.16 61.24 48.65 102.37 69.46 93.23 62.15 34.1611 35.19 68.55 46.58 100.54 70.38 91.40 63.07 39.3312 37.26 65.81 51.75 101.45 75.86 91.40 68.55 40.3713 45.54 81.35 62.10 111.51 84.09 99.63 75.86 45.5414 49.68 83.17 65.21 106.02 83.17 95.97 74.03 48.6515 59.00 87.74 68.31 102.37 87.74 92.31 78.60 57.9616 63.14 82.26 79.70 95.97 82.26 86.83 74.03 65.2117 38.30 65.81 47.61 108.77 63.98 97.80 56.67 38.3018 47.61 91.40 56.93 109.68 83.17 98.71 74.95 54.8619 49.68 84.09 61.07 97.80 77.69 88.66 70.38 56.9320 51.75 90.49 63.14 106.02 82.26 95.97 74.03 60.0321 72.45 91.40 87.98 106.94 91.40 96.88 82.26 89.0122 65.21 83.17 80.73 96.88 82.26 87.74 74.03 79.7023 36.23 82.26 60.03 96.88 74.95 87.74 67.64 38.3024 37.26 65.81 48.65 96.88 65.81 87.74 59.41 39.3325 42.44 83.17 54.86 99.63 77.69 89.57 70.38 45.5426 51.75 83.17 65.21 96.88 83.17 87.74 74.03 51.7527 18.63 31.99 20.70 53.93 26.51 48.44 23.76 18.6340 41.40 76.78 56.93 100.54 74.95 90.49 67.64 43.4741 43.47 78.60 62.10 100.54 78.60 90.49 70.38 45.5442 54.86 85.92 66.24 100.54 85.00 89.57 76.78 57.9643 52.79 87.74 68.31 102.37 87.74 92.31 78.60 59.0044 56.93 84.09 80.73 97.80 83.17 87.74 74.03 65.2145 56.93 93.23 72.45 110.59 92.31 98.71 83.17 62.10


4

CURRENT





1 236.31 459.34 313.04 841.67 464.78 756.51 418.57 235.292 250.64 474.74 320.20 894.22 464.78 804.53 417.67 249.613 248.59 488.33 336.57 894.22 481.09 805.43 433.07 248.594 260.87 508.27 340.66 924.12 512.80 832.61 460.25 259.845 278.26 536.35 366.23 983.01 564.44 885.16 508.27 276.216 288.49 560.81 380.56 991.16 584.37 891.50 526.39 286.447 318.15 599.77 429.66 1032.84 638.73 928.65 575.31 313.048 309.97 564.44 425.57 980.29 606.11 882.44 544.51 307.929 325.31 592.52 425.57 1025.59 638.73 922.31 574.40 323.27

10 298.72 572.59 404.09 969.42 619.70 873.38 556.28 302.8111 320.20 632.39 436.82 934.09 620.61 839.86 557.19 318.1512 374.42 684.94 481.83 986.63 714.83 887.88 642.35 372.3713 383.63 632.39 521.73 1012.91 734.77 911.44 660.47 377.4914 424.55 701.24 567.77 990.26 768.29 890.60 690.37 422.5015 507.41 734.77 612.78 985.73 802.72 887.88 722.08 496.1616 441.94 702.15 545.26 948.58 673.16 853.45 606.11 425.5717 340.66 636.01 448.07 965.80 602.49 869.76 541.79 339.6418 407.15 689.47 517.64 925.03 693.09 833.52 624.23 397.9519 422.50 702.15 590.27 896.94 722.08 807.25 649.60 419.4320 483.88 751.07 614.82 976.67 771.01 877.91 693.09 470.5821 504.34 764.66 706.89 970.33 876.10 873.38 788.22 606.6422 558.56 756.51 725.31 961.27 846.20 865.23 761.95 751.9123 360.10 706.68 636.31 923.21 747.45 830.80 672.25 405.1124 403.06 692.18 568.79 936.80 710.30 844.39 639.64 401.0225 417.38 722.08 615.85 942.24 754.70 848.02 679.50 439.8926 488.99 714.83 670.07 896.94 778.25 807.25 700.34 537.0827 225.06 440.32 288.49 815.40 431.26 733.86 388.67 224.0440 362.14 616.99 495.13 931.37 669.53 837.14 603.40 369.3041 337.59 635.11 517.64 937.71 703.06 844.39 632.39 349.8742 389.76 680.41 590.27 932.27 749.26 838.05 674.97 380.5643 434.78 701.24 593.34 952.21 781.88 857.98 702.15 424.5544 388.74 692.18 512.52 936.80 649.60 844.39 585.28 374.4245 456.26 697.62 600.50 964.89 782.78 866.14 704.87 443.98


5

CURRENT





1 110.32 110.32 110.32 110.32 110.32 110.32 110.32 110.322 110.32 110.32 110.32 110.32 110.32 110.32 110.32 110.323 126.81 126.81 126.81 126.81 126.81 126.81 126.81 126.814 116.50 116.50 116.50 116.50 116.50 116.50 116.50 116.505 130.94 130.94 130.94 130.94 130.94 130.94 130.94 130.946 125.78 125.78 125.78 125.78 125.78 125.78 125.78 125.787 141.25 141.25 141.25 141.25 141.25 141.25 141.25 141.258 131.97 131.97 131.97 131.97 131.97 131.97 131.97 131.979 135.06 135.06 135.06 135.06 135.06 135.06 135.06 135.06

10 140.22 140.22 140.22 140.22 140.22 140.22 140.22 140.2211 146.40 146.40 146.40 146.40 146.40 146.40 146.40 146.4012 151.56 151.56 151.56 151.56 151.56 151.56 151.56 151.5613 188.67 188.67 188.67 188.67 188.67 188.67 188.67 188.6714 177.33 177.33 177.33 177.33 177.33 177.33 177.33 177.3315 224.76 224.76 224.76 224.76 224.76 224.76 224.76 224.7616 359.82 359.82 359.82 359.82 359.82 359.82 359.82 359.8217 127.84 127.84 127.84 127.84 127.84 127.84 127.84 127.8418 257.75 257.75 257.75 257.75 257.75 257.75 257.75 257.7519 282.49 282.49 282.49 282.49 282.49 282.49 282.49 282.4920 254.66 254.66 254.66 254.66 254.66 254.66 254.66 254.6621 348.48 348.48 348.48 348.48 348.48 348.48 348.48 348.4822 393.84 393.84 393.84 393.84 393.84 393.84 393.84 393.8423 235.07 235.07 235.07 235.07 235.07 235.07 235.07 235.0724 177.33 177.33 177.33 177.33 177.33 177.33 177.33 177.3325 267.03 267.03 267.03 267.03 267.03 267.03 267.03 267.0326 318.58 318.58 318.58 318.58 318.58 318.58 318.58 318.5827 106.19 106.19 106.19 106.19 106.19 106.19 106.19 106.1940 162.90 162.90 162.90 162.90 162.90 162.90 162.90 162.9041 163.93 163.93 163.93 163.93 163.93 163.93 163.93 163.9342 197.95 197.95 197.95 197.95 197.95 197.95 197.95 197.9543 211.36 211.36 211.36 211.36 211.36 211.36 211.36 211.3644 340.23 340.23 340.23 340.23 340.23 340.23 340.23 340.2345 224.76 224.76 224.76 224.76 224.76 224.76 224.76 224.76


6

CURRENT




Increased Limits Factors Flat Rates

Part 3 Part 12Part 4 (PDL) Part 5 (B) (U-1) (U-2)

Limit Factor Limit Factor Limit Rate Rate5,000 1.000 20/40 1.00 20/40 $13.83 $0.0010,000 1.204 20/50 1.01 20/50 14.82 1.0015,000 1.220 25/50 1.05 25/50 15.81 3.0025,000 1.242 25/60 1.06 25/60 16.80 4.0035,000 1.254 35/80 1.16 35/80 17.78 12.0050,000 1.265 50/100 1.27 50/100 18.77 21.00100,000 1.280 100/100 1.48 100/100 19.76 45.00

100/200 1.49 100/200 20.75 46.00100/300 1.50 100/300 21.74 47.00200/400 1.83 200/400 25.69 110.00250/500 1.94 250/500 26.68 131.00250/1000 1.99 250/1000 27.66 141.00300/500 2.18 300/500 29.64 185.00500/500 2.86 500/500 38.53 338.00500/1000 2.91 500/1000 39.52 348.00

Part 6Substitute Transportation (D)

Limit Private Passenger Motorcycle Limit Rate$15 day/$450 Maximum $12.46 $45.00 5,000 $20.16$20 day/$600 Maximum 26.99 60.00 10,000 27.22$30 day/$900 Maximum 56.05 90.00 15,000 34.27$40 day/$1,200 Maximum 99.65 141.00 20,000 37.30$45 day$1,350 Maximum 121.45 167.00 25,000 41.33$50 day/$1,500 Maximum 143.24 183.00 50,000 47.38$75 day/$2,250 Maximum 155.70 265.00 100,000 56.45$100 day/$3,000 Maximum 181.65 346.00 $5,000 Maximum, no per d 207.60 N/APrestige Rental Coverage

Towing and Labor Private Passengers and MotorcyclesAge of Vehicle 10 years or less $16.59Age of Vehicle greater than 10 years 20.74


Number of Named Insured Rate1 $212 39


77

CURRENT

AMICAMUTUALINSURANCECOMPANYEFFECTIVEAPRIL1,2008

MassachusettsPrivatePassengerAutomobileInsuranceRates

ImplicitSurchargeExclusionFactors

Unlessotherwisespecified,thebasiclimitsrateshownontheratepagesarefor$20,000/$40,000bodilyinjury(Parts1and5)and$5,000propertydamage(Part4).ThechargeforbodilyinjuryincreasedlimitsisdeterminedbyapplyingthefactorsshownontheIncreasedLimitsTablestothetotaloftheadjustedPart1premiumandPart5basiclimitspremiumandthensubtractingtheadjustedPart1premium.

AdjustedPart1premiumisdeterminedbyapplyingtheImplicitSurchargeExclusionFactortothePart1premiumappearingintheRatePagesfortheparticularterritoryandoperatorclassification.Theresultshouldberoundedtothenearestwholedollaramountonlyafterallcalculationshavebeencompleted.


1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.1002 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.1193 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.1024 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.0945 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.1296 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.1137 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.1248 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.1399 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.14510 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.10711 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.13812 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.18513 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.14414 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.20015 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.15616 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.21917 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.16218 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.22719 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.17020 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.15021 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.18322 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.29423 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.11124 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.25025 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.13226 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.13127 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.08940 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.05141 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.17742 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.08843 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.15444 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.19645 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

8

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)1 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 2 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 3 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 4 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 5 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 6 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 7 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 8 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581

10 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 11 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 12 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 13 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 14 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 15 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 16 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 17 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 18 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.99419 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.05820 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.15021 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.24222 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.33423 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.42624 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.56425 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.70226 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.84027 2.133 2.031 1.934 1.842 28 2.184 2.080 1.981 1.887 29 2.214 2.109 2.009 1.913 30 2.270 2.162 2.059 1.961 31 2.325 2.214 2.109 2.009 32 2.356 2.244 2.137 2.035 33 2.418 2.303 2.193 2.089 34 2.479 2.361 2.249 2.142 35 2.511 2.391 2.277 2.169 36 2.594 2.470 2.352 2.240 37 2.674 2.547 2.426 2.310




9

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)38 2.722 2.592 2.469 2.351 39 2.798 2.665 2.538 2.417

40 2.874 2.737 2.607 2.48341 2.907 2.769 2.637 2.51142 2.957 2.816 2.682 2.55443 3.048 2.903 2.765 2.63344 3.140 2.990 2.848 2.71245 3.173 3.022 2.878 2.74146 3.256 3.101 2.953 2.81247 3.337 3.178 3.027 2.88348 3.373 3.212 3.059 2.91349 3.424 3.261 3.106 2.95850 3.498 3.331 3.172 3.02151 3.569 3.399 3.237 3.08352 3.604 3.432 3.269 3.11353 3.657 3.483 3.317 3.15954 3.752 3.573 3.403 3.24155 3.846 3.663 3.489 3.32356 3.953 3.765 3.586 3.41557 4.059 3.866 3.682 3.50758 4.182 3.983 3.793 3.61259 4.302 4.097 3.902 3.71660 4.476 4.263 4.060 3.86761 4.650 4.429 4.218 4.01762 4.952 4.716 4.491 4.27763 5.235 4.986 4.749 4.52364 5.537 5.273 5.022 4.78365 5.821 5.544 5.280 5.02966 6.257 5.959 5.675 5.40567 6.843 6.517 6.207 5.91168 7.429 7.075 6.738 6.41769 8.014 7.632 7.269 6.92370 8.583 8.174 7.785 7.41471 9.169 8.732 8.316 7.92072 9.753 9.289 8.847 8.42673 10.340 9.848 9.379 8.93274 10.926 10.406 9.910 9.43875 11.511 10.963 10.441 9.944




10

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)1 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 2 0.747 0.711 0.677 0.645 2 0.646 0.615 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 3 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 4 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 5 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 6 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 7 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 8 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751

10 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 11 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 12 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 13 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 14 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 15 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 16 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 17 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 18 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.25519 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.33620 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.45321 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.56922 1.460 1.390 1.324 1.261 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.68523 1.456 1.387 1.321 1.258 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.80124 1.453 1.384 1.318 1.255 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.97525 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.15026 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.32427 1.556 1.482 1.411 1.344 28 1.581 1.506 1.434 1.366 29 1.615 1.538 1.465 1.395 30 1.645 1.567 1.492 1.421 31 1.674 1.594 1.518 1.446 32 1.707 1.626 1.549 1.475 33 1.741 1.658 1.579 1.504 34 1.773 1.689 1.609 1.532 35 1.807 1.721 1.639 1.561 36 1.867 1.778 1.693 1.612 37 1.925 1.833 1.746 1.663




11

CURRENT




Model Year 1990

Symbol 2014 2013 2012 2011 Symbol 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 -1996(a) (b)38 1.983 1.889 1.799 1.713 39 2.013 1.917 1.826 1.739

40 2.043 1.946 1.853 1.76541 2.092 1.992 1.897 1.80742 2.148 2.046 1.949 1.85643 2.204 2.099 1.999 1.90444 2.261 2.153 2.050 1.95245 2.309 2.199 2.094 1.99446 2.336 2.225 2.119 2.01847 2.364 2.251 2.144 2.04248 2.428 2.312 2.202 2.09749 2.492 2.373 2.260 2.15250 2.513 2.393 2.279 2.17051 2.533 2.412 2.297 2.18852 2.595 2.471 2.353 2.24153 2.647 2.521 2.401 2.28754 2.688 2.560 2.438 2.32255 2.729 2.599 2.475 2.35756 2.846 2.710 2.581 2.45857 2.962 2.821 2.687 2.55958 3.029 2.885 2.748 2.61759 3.095 2.948 2.808 2.67460 3.221 3.068 2.922 2.78361 3.348 3.189 3.037 2.89262 3.574 3.404 3.242 3.08863 3.809 3.628 3.455 3.29064 4.043 3.850 3.667 3.49265 4.269 4.066 3.872 3.68866 4.616 4.396 4.187 3.98867 5.084 4.842 4.611 4.39168 5.543 5.279 5.028 4.78969 6.004 5.718 5.446 5.18770 6.472 6.164 5.870 5.59071 6.938 6.608 6.293 5.99372 7.405 7.052 6.716 6.39673 7.871 7.496 7.139 6.79974 8.337 7.940 7.562 7.20275 8.803 8.384 7.985 7.605




12

CURRENT

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE FEBRUARY 1, 2011




100 2% 2%250 4% 5%500 8% 10%

1000 14% 19%2000 26% 35%4000 37% 48%8000 45% 59%


0 N/A $8 N/A300 0.17*** $5 1.03500 1.00 1.00 1.00750 0.85 0.80 0.91

1000 0.63 0.54 0.751500 0.56 0.43 0.672000 0.48 0.32 0.622500 0.46 0.30 0.573000 0.44 0.28 0.534000 0.42 0.26 0.495000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84


13


LIMITED COLLISION

$500 Deductible - Charge 6% of the collision manual rate for the same model year


CURRENT



300 $10500 $13750 $151000 $161500 $202000 $252500 $293000 $344000 $435000 $53


14



CURRENT




Merit Rating Plan



Merit

Rating

CodeAll Others





99 N/A N/A N/A

98 N/A N/A N/A

0 0.0% 0.0% 0.0%

1 7.5% 7.5% 7.5%

2 15.0% 15.0% 15.0%

3 22.5% 22.5% 22.5%

4 30.0% 30.0% 30.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%





Classes 20, 21, 25, 26

15

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others





99 N/A N/A N/A

98** ‐11.7% ‐11.7% ‐11.7%

0 0.0% 0.0% 0.0%

1 7.5% 5.0% 0.0%

2 15.0% 10.0% 0.0%

3 22.5% 15.0% 7.5%

4 30.0% 20.0% 10.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%






Classes 17 and 18

16

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others





99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 82.5% 82.5% 82.5%

6 99.0% 99.0% 99.0%

7 115.5% 115.5% 115.5%

8 132.0% 132.0% 132.0%

9 148.5% 148.5% 148.5%

10 165.0% 165.0% 165.0%

11 181.5% 181.5% 181.5%

12 198.0% 198.0% 198.0%

13 214.5% 214.5% 214.5%

14 231.0% 231.0% 231.0%

15 247.5% 247.5% 247.5%

16 264.0% 264.0% 264.0%

17 280.5% 280.5% 280.5%

18 297.0% 297.0% 297.0%

19 313.5% 313.5% 313.5%

20 330.0% 330.0% 330.0%

21 346.5% 346.5% 346.5%

22 363.0% 363.0% 363.0%

23 379.5% 379.5% 379.5%

24 396.0% 396.0% 396.0%

25 412.5% 412.5% 412.5%

26 429.0% 429.0% 429.0%

27 445.5% 445.5% 445.5%

28 462.0% 462.0% 462.0%

29 478.5% 478.5% 478.5%

30 495.0% 495.0% 495.0%

31 511.5% 511.5% 511.5%

32 528.0% 528.0% 528.0%

33 544.5% 544.5% 544.5%

34 561.0% 561.0% 561.0%

35 577.5% 577.5% 577.5%

36 594.0% 594.0% 594.0%

37 610.5% 610.5% 610.5%

38 612.5% 612.5% 612.5%

39 643.5% 643.5% 643.5%

40 660.0% 660.0% 660.0%

41 676.5% 676.5% 676.5%

42 693.0% 693.0% 693.0%

43 709.5% 709.5% 709.5%

44 726.0% 726.0% 726.0%

45 742.5% 742.5% 742.5%





Classes 10,15 and 30 in Ranges 3 and 7 Only

17

CURRENT




Merit Rating Plan



Merit

Rating

Code All Others





99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 88.0% 88.0%

6 104.5% 104.5% 104.5%

7 121.0% 121.0% 121.0%

8 160.5% 160.5% 160.5%

9 179.0% 179.0% 179.0%

10 197.0% 197.0% 197.0%

11 215.0% 215.0% 215.0%

12 233.0% 233.0% 233.0%

13 251.5% 251.5% 251.5%

14 269.5% 269.5% 269.5%

15 287.5% 287.5% 287.5%

16 305.5% 305.5% 305.5%

17 323.5% 323.5% 323.5%

18 342.0% 342.0% 342.0%

19 360.0% 360.0% 360.0%

20 378.0% 378.0% 378.0%

21 396.0% 396.0% 396.0%

22 414.0% 414.0% 414.0%

23 432.5% 432.5% 432.5%

24 450.5% 450.5% 450.5%

25 468.5% 468.5% 468.5%

26 486.5% 486.5% 486.5%

27 505.0% 505.0% 505.0%

28 523.0% 523.0% 523.0%

29 541.0% 541.0% 541.0%

30 559.0% 559.0% 559.0%

31 577.5% 577.5% 577.5%

32 595.5% 595.5% 595.5%

33 613.5% 613.5% 613.5%

34 631.5% 631.5% 631.5%

35 649.5% 649.5% 649.5%

36 668.0% 668.0% 668.0%

37 686.0% 686.0% 686.0%

38 704.0% 704.0% 704.0%

39 722.0% 722.0% 722.0%

40 740.5% 740.5% 740.5%

41 758.5% 758.5% 758.5%

42 776.5% 776.5% 776.5%

43 794.5% 794.5% 794.5%

44 812.5% 812.5% 812.5%

45 831.0% 831.0% 831.0%





Classes 10, 15 and 30 in Range 5

18

CURRENT

AMICA MUTUAL INSURANCE COMPANYEFFECTIVE SEPTEMBER 1, 2014


Merit Rating Plan


Merit Rating Code All Others





99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 88.0% 88.0%

6 104.5% 104.5% 104.5%

7 121.0% 121.0% 121.0%

8 156.0% 156.0% 156.0%

9 174.5% 174.5% 174.5%

10 192.5% 192.5% 192.5%

11 210.5% 210.5% 210.5%

12 229.0% 229.0% 229.0%

13 247.0% 247.0% 247.0%

14 265.0% 265.0% 265.0%

15 283.5% 283.5% 283.5%

16 301.5% 301.5% 301.5%

17 319.5% 319.5% 319.5%

18 337.5% 337.5% 337.5%

19 356.0% 356.0% 356.0%

20 374.0% 374.0% 374.0%

21 392.0% 392.0% 392.0%

22 410.5% 410.5% 410.5%

23 428.5% 428.5% 428.5%

24 446.5% 446.5% 446.5%

25 465.0% 465.0% 465.0%

26 483.0% 483.0% 483.0%

27 501.0% 501.0% 501.0%

28 519.0% 519.0% 519.0%

29 537.5% 537.5% 537.5%

30 555.5% 555.5% 555.5%

31 573.5% 573.5% 573.5%

32 592.0% 592.0% 592.0%

33 610.0% 610.0% 610.0%

34 628.0% 628.0% 628.0%

35 646.5% 646.5% 646.5%

36 664.5% 664.5% 664.5%

37 682.5% 682.5% 682.5%

38 700.5% 700.5% 700.5%

39 719.0% 719.0% 719.0%

40 737.0% 737.0% 737.0%

41 755.0% 755.0% 755.0%

42 773.5% 773.5% 773.5%

43 791.5% 791.5% 791.5%

44 809.5% 809.5% 809.5%

45 828.0% 828.0% 828.0%






19

CURRENT





1 123.73 195.28 138.53 365.45 192.48 329.19 172.96 119.502 135.36 213.88 156.51 398.92 219.45 359.87 197.14 131.133 140.65 223.17 168.14 430.54 233.40 387.76 210.15 137.484 153.34 250.14 174.49 481.68 272.46 433.33 245.50 148.055 167.09 265.03 209.39 538.41 310.59 485.41 278.97 166.036 172.37 279.90 196.70 548.64 337.55 493.77 303.14 167.097 175.55 270.60 217.85 583.04 344.06 525.40 308.73 170.268 182.95 293.84 219.96 600.71 362.66 541.20 326.39 178.729 227.37 342.20 271.78 675.10 410.08 607.22 369.16 222.0810 212.56 369.16 280.24 662.09 435.19 596.06 392.42 215.7311 205.15 401.72 276.01 650.93 437.98 585.83 394.28 233.7112 227.37 383.12 302.45 651.86 470.52 586.76 424.03 222.0813 283.41 455.65 356.38 715.09 518.88 643.49 465.88 276.0114 306.68 461.22 385.99 680.68 518.88 612.80 466.81 299.2715 352.15 496.57 391.28 655.58 541.20 590.49 487.27 337.3516 288.70 494.71 498.08 626.75 511.44 564.44 461.22 296.1017 232.65 396.13 283.41 673.25 398.92 605.36 358.93 233.7118 245.34 534.69 333.12 715.09 515.17 643.49 464.02 278.1219 276.01 483.54 365.90 632.33 483.54 570.03 435.19 306.6820 267.55 517.02 360.61 687.19 521.67 619.31 469.60 296.1021 338.40 537.48 505.49 689.05 565.37 620.24 508.65 469.5322 304.56 490.98 449.45 629.54 507.72 567.24 456.58 415.6023 231.59 452.86 359.55 636.98 468.67 572.81 422.18 235.8224 234.76 404.51 296.10 639.76 421.25 574.67 378.46 237.9425 231.59 456.58 311.97 641.63 483.54 577.47 435.19 252.7426 286.58 497.50 399.74 628.60 517.95 565.37 465.88 276.0127 106.81 178.54 118.44 327.32 162.74 294.77 146.92 109.9840 268.60 444.49 333.12 650.93 464.02 585.83 418.45 283.4141 278.12 439.84 365.90 652.79 489.12 586.76 439.84 285.5342 344.75 488.20 396.57 649.06 530.97 583.97 477.97 350.0343 318.31 496.57 399.74 666.73 546.78 600.71 491.91 343.6944 279.18 506.80 507.60 640.70 520.74 576.53 468.67 283.4145 347.92 514.23 416.65 704.86 574.67 634.19 516.10 361.66


1

PROPOSED





1 52.06 78.30 58.57 145.15 80.21 129.87 72.58 52.062 55.00 84.50 63.62 155.71 88.30 140.53 78.81 53.923 60.50 88.47 68.07 169.33 94.17 152.21 83.72 58.354 62.78 98.17 71.44 187.76 107.70 168.70 97.22 61.705 68.27 102.08 82.34 207.02 120.21 186.03 108.75 68.276 68.63 106.68 78.28 209.58 130.28 187.86 117.06 67.557 75.92 111.72 92.19 241.60 144.20 216.77 128.91 73.758 76.93 117.35 91.02 239.46 146.91 215.61 131.66 74.769 95.44 134.65 109.54 266.42 164.24 240.64 148.01 91.1110 87.85 144.20 111.71 254.01 171.89 228.22 154.70 86.7711 85.68 156.60 110.63 250.19 172.85 225.37 155.65 93.2712 92.19 149.92 119.30 250.19 185.25 225.37 167.11 88.9413 114.96 183.34 140.99 274.06 204.35 247.32 184.30 111.7114 129.06 192.89 157.27 270.25 211.04 243.51 190.98 123.6415 144.25 206.27 160.51 262.60 221.54 236.82 199.57 135.5816 121.47 205.31 201.73 249.24 208.18 224.41 187.17 123.6417 93.07 151.34 110.58 258.35 155.21 232.32 138.81 93.0718 95.44 199.57 126.89 263.56 194.80 236.82 174.75 108.4619 111.71 191.94 144.25 241.60 189.08 216.77 169.98 122.5620 111.71 214.86 147.50 272.15 211.99 245.41 190.98 126.8921 135.58 214.86 202.81 264.51 222.50 238.73 200.53 188.7222 133.40 214.86 199.56 265.47 218.67 238.73 196.72 183.2923 92.19 182.39 142.08 244.46 184.30 219.63 166.15 94.3524 94.81 156.52 117.43 243.78 165.05 219.13 148.93 94.8125 95.44 184.30 124.73 248.28 191.94 222.50 171.89 106.2926 116.05 200.53 158.34 243.51 205.31 219.63 185.25 112.8027 45.29 71.21 49.60 129.13 67.42 116.79 59.82 48.5340 113.88 184.30 136.65 258.79 189.08 232.05 170.93 117.1341 113.88 181.44 148.58 256.87 196.72 232.05 177.62 117.1342 143.16 203.40 163.77 259.74 216.77 233.96 195.76 143.1643 131.23 205.31 163.77 266.42 223.45 239.69 200.53 140.9944 117.13 209.12 206.07 254.96 212.95 230.14 190.98 119.3045 138.82 205.31 164.86 271.19 225.37 243.51 203.40 143.16


2

PROPOSED





1 166.15 261.25 210.96 513.87 318.88 462.96 287.19 173.812 180.36 275.67 217.53 556.13 342.90 500.42 308.32 184.743 182.55 280.46 229.55 572.46 341.94 514.83 307.36 194.574 194.57 291.99 232.83 614.72 367.87 553.25 331.38 213.155 201.13 304.48 239.39 653.14 402.45 587.82 362.11 225.176 210.96 307.36 251.41 651.22 412.05 586.86 371.72 226.277 214.24 307.36 262.34 663.70 435.10 597.43 390.93 232.838 218.62 329.45 272.18 691.56 439.91 622.40 395.72 245.959 228.46 340.01 273.27 711.73 446.64 641.61 402.45 236.1010 220.81 329.45 263.43 685.79 430.31 616.64 387.08 226.2711 219.71 353.47 272.18 688.68 434.14 619.53 389.97 231.7412 238.29 351.55 284.20 686.76 452.39 618.56 408.22 242.6713 263.43 371.72 299.51 727.10 479.29 655.06 432.22 263.4314 275.46 402.45 317.00 729.98 495.62 656.98 445.67 283.1215 291.86 437.99 333.39 733.82 530.19 660.82 477.37 297.3216 251.41 423.58 324.65 706.93 467.77 635.85 421.66 260.1517 233.93 394.76 279.83 712.69 415.89 641.61 374.59 233.9318 255.79 443.75 311.53 729.98 472.56 657.95 426.46 252.5019 259.06 424.54 310.44 686.76 442.79 618.56 398.61 250.3220 251.41 442.79 306.07 736.71 468.73 662.74 422.62 264.5321 297.32 488.89 357.44 727.10 526.36 654.10 473.52 298.4122 360.72 499.46 424.12 693.48 540.76 625.28 487.94 351.9823 214.24 429.35 313.72 695.40 460.08 625.28 413.97 235.0124 263.43 434.14 315.91 705.97 445.67 634.89 400.53 257.9725 250.32 470.64 313.72 707.89 493.69 637.77 444.71 264.5326 301.69 486.02 391.32 697.33 532.11 627.20 478.33 298.4127 161.78 250.69 191.29 489.85 284.31 440.87 255.50 161.7840 228.46 374.59 283.12 680.99 428.39 612.80 386.12 263.4341 233.93 367.87 295.13 685.79 458.16 617.60 413.01 247.0342 232.83 393.80 318.09 698.29 494.66 629.13 445.67 275.4643 279.83 422.62 330.12 729.02 524.44 655.06 471.60 284.2044 225.17 421.66 325.74 720.37 476.41 647.37 428.39 232.8345 286.39 426.46 326.84 733.82 524.44 660.82 471.60 291.86


3

PROPOSED





1 20.57 36.33 25.98 62.14 33.46 56.41 30.60 20.572 21.65 39.19 28.15 67.87 37.29 61.19 33.46 21.653 22.74 41.11 30.31 73.62 40.16 65.97 36.33 22.744 24.91 46.85 32.48 82.22 46.85 73.62 41.11 24.915 27.07 49.72 37.90 92.74 52.58 83.18 47.80 29.246 28.15 52.58 35.73 93.69 57.36 84.13 51.63 29.247 29.24 50.67 38.97 99.43 58.31 88.91 52.58 29.248 29.24 54.50 40.06 102.30 61.19 92.74 55.45 30.319 37.90 63.09 49.80 114.73 69.79 103.25 62.14 36.8110 35.73 64.06 50.89 107.08 72.66 97.52 65.01 35.7311 36.81 71.70 48.72 105.16 73.62 95.60 65.97 41.1412 38.97 68.84 54.13 106.12 79.35 95.60 71.70 42.2313 47.63 85.09 64.96 116.64 87.96 104.21 79.35 47.6314 51.97 87.00 68.21 110.90 87.00 100.38 77.44 50.8915 61.71 91.78 71.45 107.08 91.78 96.56 82.22 60.6316 66.04 86.04 83.37 100.38 86.04 90.82 77.44 68.2117 40.06 68.84 49.80 113.77 66.92 102.30 59.28 40.0618 49.80 95.60 59.55 114.73 87.00 103.25 78.40 57.3819 51.97 87.96 63.88 102.30 81.26 92.74 73.62 59.5520 54.13 94.65 66.04 110.90 86.04 100.38 77.44 62.7921 75.78 95.60 92.03 111.86 95.60 101.34 86.04 93.1022 68.21 87.00 84.44 101.34 86.04 91.78 77.44 83.3723 37.90 86.04 62.79 101.34 78.40 91.78 70.75 40.0624 38.97 68.84 50.89 101.34 68.84 91.78 62.14 41.1425 44.39 87.00 57.38 104.21 81.26 93.69 73.62 47.6326 54.13 87.00 68.21 101.34 87.00 91.78 77.44 54.1327 19.49 33.46 21.65 56.41 27.73 50.67 24.85 19.4940 43.30 80.31 59.55 105.16 78.40 94.65 70.75 45.4741 45.47 82.22 64.96 105.16 82.22 94.65 73.62 47.6342 57.38 89.87 69.29 105.16 88.91 93.69 80.31 60.6343 55.22 91.78 71.45 107.08 91.78 96.56 82.22 61.7144 59.55 87.96 84.44 102.30 87.00 91.78 77.44 68.2145 59.55 97.52 75.78 115.68 96.56 103.25 87.00 64.96


4

PROPOSED





1 251.67 489.20 333.39 896.38 494.99 805.68 445.78 250.582 266.93 505.60 341.01 952.34 494.99 856.82 444.82 265.833 264.75 520.07 358.45 952.34 512.36 857.78 461.22 264.754 277.83 541.31 362.80 984.19 546.13 886.73 490.17 276.735 296.35 571.21 390.03 1046.91 601.13 942.70 541.31 294.166 307.24 597.26 405.30 1055.59 622.35 949.45 560.61 305.067 329.60 621.36 445.13 1070.02 661.72 962.08 596.02 324.318 330.12 601.13 453.23 1044.01 645.51 939.80 579.90 327.939 346.46 631.03 453.23 1092.25 680.25 982.26 611.74 344.2810 318.14 609.81 430.36 1032.43 659.98 930.15 592.44 322.4911 341.01 673.50 465.21 994.81 660.95 894.45 593.41 338.8312 398.76 729.46 513.15 1050.76 761.29 945.59 684.10 396.5713 408.57 673.50 555.64 1078.75 782.53 970.68 703.40 402.0314 452.15 746.82 604.68 1054.63 818.23 948.49 735.24 449.9615 540.39 782.53 652.61 1049.80 854.90 945.59 769.02 528.4116 470.67 747.79 580.70 1010.24 716.92 908.92 645.51 453.2317 362.80 677.35 477.19 1028.58 641.65 926.29 577.01 361.7218 433.61 734.29 551.29 985.16 738.14 887.70 664.80 423.8219 440.67 732.34 615.65 935.51 753.13 841.96 677.53 437.4720 515.33 799.89 654.78 1040.15 821.13 934.97 738.14 501.1721 537.12 814.36 752.84 1033.40 933.05 930.15 839.45 646.0722 594.87 805.68 772.46 1023.75 901.20 921.47 811.48 800.7823 380.27 746.25 671.94 974.91 789.31 877.32 709.90 427.8024 429.26 737.17 605.76 997.69 756.47 899.28 681.22 427.0925 442.01 764.68 652.19 997.83 799.23 898.05 719.59 465.8426 520.77 761.29 713.62 955.24 828.84 859.72 745.86 571.9927 239.69 468.94 307.24 868.40 459.29 781.56 413.93 238.6040 379.88 647.22 519.39 977.01 702.34 878.16 632.97 387.4041 359.53 676.39 551.29 998.66 748.76 899.28 673.50 372.6142 415.09 724.64 628.64 992.87 797.96 892.52 718.84 405.3043 463.04 746.82 631.91 1014.10 832.70 913.75 747.79 452.1544 414.01 737.17 545.83 997.69 691.82 899.28 623.32 398.7645 485.92 742.97 639.53 1027.61 833.66 922.44 750.69 472.84


5

PROPOSED





1 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.632 113.63 113.63 113.63 113.63 113.63 113.63 113.63 113.633 130.61 130.61 130.61 130.61 130.61 130.61 130.61 130.614 120.00 120.00 120.00 120.00 120.00 120.00 120.00 120.005 134.87 134.87 134.87 134.87 134.87 134.87 134.87 134.876 129.55 129.55 129.55 129.55 129.55 129.55 129.55 129.557 145.35 145.35 145.35 145.35 145.35 145.35 145.35 145.358 135.80 135.80 135.80 135.80 135.80 135.80 135.80 135.809 139.11 139.11 139.11 139.11 139.11 139.11 139.11 139.1110 144.43 144.43 144.43 144.43 144.43 144.43 144.43 144.4311 150.06 150.06 150.06 150.06 150.06 150.06 150.06 150.0612 155.05 155.05 155.05 155.05 155.05 155.05 155.05 155.0513 191.88 191.88 191.88 191.88 191.88 191.88 191.88 191.8814 180.34 180.34 180.34 180.34 180.34 180.34 180.34 180.3415 229.26 229.26 229.26 229.26 229.26 229.26 229.26 229.2616 367.74 367.74 367.74 367.74 367.74 367.74 367.74 367.7417 131.68 131.68 131.68 131.68 131.68 131.68 131.68 131.6818 261.10 261.10 261.10 261.10 261.10 261.10 261.10 261.1019 289.55 289.55 289.55 289.55 289.55 289.55 289.55 289.5520 256.95 256.95 256.95 256.95 256.95 256.95 256.95 256.9521 353.01 353.01 353.01 353.01 353.01 353.01 353.01 353.0122 402.90 402.90 402.90 402.90 402.90 402.90 402.90 402.9023 242.12 242.12 242.12 242.12 242.12 242.12 242.12 242.1224 181.05 181.05 181.05 181.05 181.05 181.05 181.05 181.0525 272.64 272.64 272.64 272.64 272.64 272.64 272.64 272.6426 324.95 324.95 324.95 324.95 324.95 324.95 324.95 324.9527 109.38 109.38 109.38 109.38 109.38 109.38 109.38 109.3840 165.02 165.02 165.02 165.02 165.02 165.02 165.02 165.0241 166.39 166.39 166.39 166.39 166.39 166.39 166.39 166.3942 203.69 203.69 203.69 203.69 203.69 203.69 203.69 203.6943 217.70 217.70 217.70 217.70 217.70 217.70 217.70 217.7044 344.65 344.65 344.65 344.65 344.65 344.65 344.65 344.6545 231.50 231.50 231.50 231.50 231.50 231.50 231.50 231.50


6

PROPOSED






Part 3 Part 12

(U-1) (U-2)


5,000 1.000 20/40 1.00 20/40 $14.23 $0.00

10,000 1.204 20/50 1.01 20/50 $15.25 $1.04

15,000 1.220 25/50 1.05 25/50 $16.27 $3.11

20,000 1.232 25/60 1.06 25/60 $17.29 $4.14

25,000 1.242 35/80 1.16 35/80 $18.30 $12.43

30,000 1.249 50/100 1.27 50/100 $19.31 $21.76

35,000 1.254 100/100 1.48 100/100 $20.33 $46.62

40,000 1.258 100/200 1.49 100/200 $21.35 $47.66

45,000 1.262 100/300 1.50 100/300 $22.37 $48.69

50,000 1.265 200/400 1.83 200/400 $26.44 $113.96

75,000 1.274 250/500 1.94 250/500 $27.45 $135.72

80,000 1.275 250/1000 1.99 250/1000 $28.46 $146.08

100,000 1.280 300/500 2.18 300/500 $30.50 $191.66

150,000 1.292 500/500 2.86 500/500 $39.65 $350.17

200,000 1.303 500/1000 2.91 500/1000 $40.67 $360.53

250,000 1.309

300,000 1.314

400,000 1.323

500,000 1.329

750,000 1.338

1,000,000 1.348

Part 6



$15 day/$450 Maximum $12.83 $46.35 5,000 $21.43

$20 day/$600 Maximum 27.80 61.80 10,000 28.93

$30 day/$900 Maximum 57.73 92.70 15,000 36.43

$40 day/$1,200 Maximum 102.64 145.23 20,000 39.65

$45 day$1,350 Maximum 125.09 172.01 25,000 43.93

$50 day/$1,500 Maximum 147.54 188.49 50,000 50.36

$75 day/$2,250 Maximum 160.37 272.95 100,000 60.01

$100 day/$3,000 Maximum 187.10 356.38




$50.00 Limit



$100.00 Limit





1 $21

2 39


7


Flat Rates

PROPOSED







20 25 30 35 40 50 100 150 200 250 300 400 500 600 700 800 900 1000

40 1.00 1.05 1.11 1.19

45 1.05 1.11 1.19

50 1.01 1.05 1.11 1.19 1.26

60 1.06

70 1.01 1.06 1.11 1.20 1.26

80 1.16

100 1.02 1.07 1.12 1.20 1.27 1.48

150 1.02 1.07 1.13 1.21 1.28 1.49 1.67

200 1.02 1.08 1.13 1.21 1.28 1.49 1.68 1.81

250 1.02 1.08 1.13 1.22 1.28 1.50 1.69 1.82 1.92

300 1.03 1.08 1.13 1.22 1.29 1.50 1.69 1.82 1.93 2.15

350 1.29 1.50 1.69 1.83 1.93 2.16

400 1.29 1.51 1.70 1.83 1.93 2.17 2.55

500 1.29 1.51 1.70 1.84 1.94 2.18 2.56 2.86

600 1.30 1.52 1.71 1.84 1.95 2.19 2.58 2.87 2.98

700 1.30 1.52 1.71 1.84 1.96 2.20 2.59 2.88 2.98 3.05

800 1.30 1.52 1.71 1.85 1.97 2.21 2.60 2.89 2.98 3.05 3.11

900 1.30 1.53 1.72 1.85 1.98 2.22 2.60 2.90 2.99 3.05 3.11 3.17

1000 1.30 1.53 1.72 1.85 1.99 2.23 2.61 2.91 2.99 3.06 3.12 3.17 3.21


45/45 1.23

750/750 3.08

LIMIT P

ER ACCIDEN

T (000's)

8

PROPOSED






40 14.23 16.27 17.29 18.3045 16.27 17.29 18.3050 15.25 16.27 17.29 18.30 19.3160 17.2970 15.25 17.29 18.30 18.30 19.3180 18.30100 15.25 17.29 18.30 18.30 19.31 20.33150 15.25 17.29 18.30 18.30 19.31 21.35 24.40200 15.25 17.29 18.30 18.30 19.31 21.35 24.40 26.44250 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45300 15.25 17.29 18.30 19.31 19.31 22.37 24.40 26.44 27.45 30.50350 19.31 22.37 24.40 26.44 27.45 30.50400 19.31 22.37 24.40 26.44 27.45 30.50 35.58500 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65600 19.31 22.37 24.40 26.44 27.45 30.50 35.58 39.65 41.68700 19.31 22.37 25.42 26.44 27.45 30.50 35.58 39.65 41.68 42.70800 19.31 22.37 25.42 26.44 28.46 30.50 35.58 40.67 41.68 42.70 42.70900 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.711000 19.31 22.37 25.42 26.44 28.46 31.52 36.60 40.67 41.68 42.70 42.70 43.71 44.73




40 0.00 3.11 8.29 14.5045 3.11 8.29 15.5450 1.04 3.11 8.29 15.54 20.7260 4.1470 1.04 4.14 8.29 15.54 21.7680 12.43100 1.04 5.18 9.32 16.58 21.76 46.62150 1.04 5.18 9.32 16.58 22.79 47.66 82.88200 2.07 5.18 10.36 16.58 22.79 47.66 83.92 110.85250 2.07 6.22 10.36 17.61 23.83 48.69 84.95 111.89 132.61300 2.07 6.22 10.36 17.61 23.83 48.69 85.99 112.92 133.64 183.37350 23.83 49.73 87.02 112.92 133.64 186.48400 23.83 49.73 87.02 113.96 134.68 188.55 277.65500 24.86 50.76 88.06 115.00 135.72 191.66 280.76 350.17600 24.86 51.80 89.10 116.03 138.82 194.77 283.86 353.28 368.82700 24.86 52.84 90.13 117.07 140.90 196.84 285.94 355.35 369.85 378.14800 25.90 52.84 90.13 117.07 142.97 198.91 288.01 357.42 369.85 378.14 386.43900 25.90 53.87 91.17 118.10 144.00 200.98 290.08 358.46 370.89 379.18 386.43 392.641000 25.90 53.87 91.17 118.10 146.08 202.02 292.15 360.53 370.89 379.18 386.43 392.64 398.86


750/750 382.28LIM

IT PER

ACCIDEN

T (000's)

LIMIT P

ER ACCIDEN

T (000's)

9

PROPOSED



Additional Increased Limits Factors and Flat Rates

ess otherwise specified, the basic limits rate shown on the rate pages are for $20,000/$40,000 bodily injury

ts 1 and 5) and $5,000 property damage (Part 4). The charge for bodily injury increased limits is determined

applying the factors shown on the Increased Limits Tables to the total of the adjusted Part 1 premium and



Territory 10 17 18 20 21 25 26 30

1 1.018 1.178 1.117 1.061 1.051 1.061 1.051 1.100

2 1.025 1.167 1.108 1.064 1.048 1.064 1.048 1.119

3 1.021 1.178 1.115 1.066 1.049 1.066 1.049 1.102

4 1.014 1.170 1.107 1.067 1.049 1.067 1.049 1.094

5 1.032 1.176 1.128 1.070 1.052 1.070 1.052 1.129

6 1.034 1.176 1.114 1.071 1.051 1.071 1.051 1.113

7 1.034 1.173 1.131 1.070 1.053 1.070 1.053 1.124

8 1.040 1.170 1.118 1.067 1.052 1.067 1.052 1.139

9 1.045 1.167 1.135 1.069 1.055 1.069 1.055 1.145

10 1.027 1.171 1.134 1.069 1.053 1.069 1.053 1.107

11 1.043 1.126 1.093 1.063 1.041 1.063 1.041 1.138

12 1.048 1.148 1.118 1.067 1.054 1.067 1.054 1.185

13 1.061 1.161 1.138 1.070 1.055 1.070 1.055 1.144

14 1.072 1.145 1.110 1.067 1.047 1.067 1.047 1.200

15 1.065 1.142 1.140 1.072 1.058 1.072 1.058 1.156

16 1.092 1.132 1.102 1.055 1.054 1.055 1.054 1.219

17 1.038 1.119 1.079 1.067 1.038 1.067 1.038 1.162

18 1.088 1.149 1.136 1.054 1.051 1.054 1.051 1.227

19 1.076 1.147 1.087 1.067 1.052 1.067 1.052 1.170

20 1.103 1.158 1.150 1.063 1.044 1.063 1.044 1.150

21 1.119 1.155 1.122 1.063 1.057 1.063 1.057 1.183

22 1.138 1.146 1.104 1.057 1.064 1.057 1.064 1.294

23 1.054 1.101 1.092 1.050 1.050 1.050 1.050 1.111

24 1.072 1.094 1.089 1.041 1.033 1.041 1.033 1.250

25 1.057 1.124 1.149 1.064 1.047 1.064 1.047 1.132

26 1.061 1.137 1.073 1.061 1.048 1.061 1.048 1.131

27 1.013 1.169 1.114 1.065 1.048 1.065 1.048 1.089

40 1.025 1.126 1.125 1.057 1.066 1.057 1.066 1.051

41 1.056 1.137 1.110 1.062 1.051 1.062 1.051 1.177

42 1.036 1.143 1.111 1.058 1.048 1.058 1.048 1.088

43 1.085 1.161 1.134 1.059 1.046 1.059 1.046 1.154

44 1.061 1.111 1.104 1.048 1.047 1.048 1.047 1.196

45 1.088 1.182 1.148 1.071 1.058 1.071 1.058 1.148

8 10

PROPOSED






1990 1989


(a) (b) (c)

1 0.831 0.791 0.753 0.717 0.683 0.650 1 0.773 0.736 0.703 0.673 0.646 0.619 0.594 0.570 0.547 0.525 0.504 0.484 0.466 0.448 0.403 0.117

2 1.037 0.988 0.941 0.896 0.853 0.812 2 0.819 0.780 0.745 0.713 0.683 0.655 0.628 0.602 0.577 0.554 0.531 0.511 0.491 0.471 0.423 0.135

3 1.097 1.045 0.995 0.948 0.903 0.860 3 0.867 0.826 0.789 0.755 0.724 0.693 0.664 0.636 0.610 0.585 0.562 0.539 0.518 0.497 0.446 0.161

4 1.162 1.107 1.054 1.004 0.956 0.910 4 0.919 0.875 0.836 0.800 0.766 0.733 0.702 0.673 0.645 0.618 0.593 0.569 0.547 0.524 0.470 0.193

5 1.232 1.173 1.117 1.064 1.013 0.965 5 0.975 0.929 0.887 0.849 0.812 0.777 0.744 0.713 0.682 0.654 0.627 0.601 0.577 0.554 0.495 0.228

6 1.306 1.244 1.185 1.129 1.075 1.024 6 1.035 0.986 0.942 0.900 0.861 0.824 0.788 0.755 0.723 0.692 0.664 0.636 0.609 0.585 0.522 0.266

7 1.347 1.283 1.222 1.164 1.109 1.056 7 1.099 1.047 1.000 0.955 0.913 0.874 0.835 0.799 0.766 0.732 0.702 0.673 0.645 0.618 0.551 0.314

8 1.387 1.321 1.258 1.198 1.141 1.087 8 1.167 1.111 1.061 1.014 0.969 0.927 0.886 0.848 0.811 0.776 0.743 0.712 0.682 0.654 0.581 0.372

10 1.474 1.404 1.337 1.273 1.212 1.154 10 1.239 1.180 1.127 1.077 1.029 0.984 0.941 0.900 0.860 0.823 0.788 0.754 0.722 0.691 0.614 0.436

11 1.563 1.489 1.418 1.350 1.286 1.225 11 1.318 1.255 1.199 1.144 1.094 1.044 0.999 0.954 0.913 0.873 0.835 0.799 0.765 0.732 0.650 0.520

12 1.612 1.535 1.462 1.392 1.326 1.263 12 1.401 1.334 1.274 1.217 1.162 1.110 1.060 1.013 0.968 0.926 0.885 0.847 0.810 0.776 0.688 0.612

13 1.660 1.581 1.506 1.434 1.366 1.301 13 1.490 1.419 1.355 1.294 1.236 1.179 1.127 1.077 1.028 0.983 0.940 0.899 0.859 0.823 0.728 0.728

14 1.715 1.633 1.555 1.481 1.410 1.343 14 1.586 1.510 1.442 1.376 1.313 1.254 1.197 1.144 1.093 1.043 0.998 0.954 0.912 0.872 0.772 0.865

15 1.766 1.682 1.602 1.526 1.453 1.384 15 1.687 1.607 1.535 1.464 1.397 1.334 1.273 1.216 1.161 1.109 1.060 1.012 0.967 0.925 0.817 1.021

16 1.823 1.736 1.653 1.574 1.499 1.428 16 1.797 1.711 1.634 1.558 1.487 1.419 1.354 1.293 1.234 1.178 1.126 1.076 1.027 0.982 0.867 1.214

17 1.877 1.788 1.703 1.622 1.545 1.471 17 1.913 1.822 1.740 1.659 1.583 1.510 1.441 1.375 1.312 1.253 1.196 1.143 1.092 1.043 0.920 1.444

18 1.938 1.846 1.758 1.674 1.594 1.518 18 2.066 1.968 1.879 1.792 1.710 1.631 1.556 1.485 1.417 1.353 1.292 1.234 1.179 1.126 0.994 1.661

19 1.997 1.902 1.811 1.725 1.643 1.565 19 2.200 2.095 2.001 1.908 1.820 1.737 1.657 1.581 1.509 1.441 1.375 1.314 1.256 1.199 1.058 1.877

20 2.062 1.964 1.870 1.781 1.696 1.615 20 2.391 2.278 2.175 2.074 1.979 1.888 1.801 1.719 1.640 1.566 1.495 1.429 1.365 1.304 1.150 2.094

21 2.124 2.023 1.927 1.835 1.748 1.665 21 2.583 2.460 2.349 2.240 2.137 2.039 1.945 1.856 1.771 1.692 1.615 1.543 1.474 1.408 1.242 2.310

22 2.175 2.071 1.972 1.878 1.789 1.704 22 2.774 2.642 2.523 2.406 2.295 2.190 2.089 1.994 1.902 1.817 1.734 1.657 1.583 1.512 1.334

23 2.195 2.090 1.990 1.895 1.805 1.719 23 2.965 2.824 2.697 2.571 2.454 2.341 2.234 2.131 2.034 1.942 1.854 1.772 1.693 1.617 1.426

24 2.212 2.107 2.007 1.911 1.820 1.733 24 3.252 3.097 2.958 2.820 2.691 2.567 2.450 2.338 2.230 2.130 2.033 1.943 1.856 1.773 1.564

25 2.262 2.154 2.051 1.953 1.860 1.771 25 3.539 3.371 3.219 3.069 2.929 2.794 2.666 2.544 2.427 2.318 2.213 2.115 2.020 1.930 1.702

26 2.293 2.184 2.080 1.981 1.887 1.797 26 3.826 3.644 3.480 3.318 3.166 3.020 2.882 2.750 2.624 2.506 2.392 2.286 2.184 2.086 1.840

27 2.352 2.240 2.133 2.031 1.934 1.842

28 2.408 2.293 2.184 2.080 1.981 1.887

29 2.441 2.325 2.214 2.109 2.009 1.913

30 2.503 2.384 2.270 2.162 2.059 1.961

31 2.563 2.441 2.325 2.214 2.109 2.009

32 2.598 2.474 2.356 2.244 2.137 2.035

33 2.666 2.539 2.418 2.303 2.193 2.089

34 2.733 2.603 2.479 2.361 2.249 2.142

35 2.769 2.637 2.511 2.391 2.277 2.169

36 2.860 2.724 2.594 2.470 2.352 2.240

37 2.948 2.808 2.674 2.547 2.426 2.310




11

PROPOSED






1990 1989


(a) (b) (c)

38 3.001 2.858 2.722 2.592 2.469 2.351

39 3.085 2.938 2.798 2.665 2.538 2.417

40 3.169 3.018 2.874 2.737 2.607 2.483

41 3.205 3.052 2.907 2.769 2.637 2.511

42 3.260 3.105 2.957 2.816 2.682 2.554

43 3.360 3.200 3.048 2.903 2.765 2.633

44 3.462 3.297 3.140 2.990 2.848 2.712

45 3.499 3.332 3.173 3.022 2.878 2.741

46 3.590 3.419 3.256 3.101 2.953 2.812

47 3.679 3.504 3.337 3.178 3.027 2.883

48 3.719 3.542 3.373 3.212 3.059 2.913

49 3.775 3.595 3.424 3.261 3.106 2.958

50 3.857 3.673 3.498 3.331 3.172 3.021

51 3.934 3.747 3.569 3.399 3.237 3.083

52 3.973 3.784 3.604 3.432 3.269 3.113

53 4.032 3.840 3.657 3.483 3.317 3.159

54 4.137 3.940 3.752 3.573 3.403 3.241

55 4.240 4.038 3.846 3.663 3.489 3.323

56 4.359 4.151 3.953 3.765 3.586 3.415

57 4.475 4.262 4.059 3.866 3.682 3.507

58 4.611 4.391 4.182 3.983 3.793 3.612

59 4.743 4.517 4.302 4.097 3.902 3.716

60 4.935 4.700 4.476 4.263 4.060 3.867

61 5.127 4.883 4.650 4.429 4.218 4.017

62 5.460 5.200 4.952 4.716 4.491 4.277

63 5.772 5.497 5.235 4.986 4.749 4.523

64 6.105 5.814 5.537 5.273 5.022 4.783

65 6.418 6.112 5.821 5.544 5.280 5.029

66 6.899 6.570 6.257 5.959 5.675 5.405

67 7.544 7.185 6.843 6.517 6.207 5.911

68 8.190 7.800 7.429 7.075 6.738 6.417

69 8.836 8.415 8.014 7.632 7.269 6.923

70 9.463 9.012 8.583 8.174 7.785 7.414

71 10.108 9.627 9.169 8.732 8.316 7.920

72 10.753 10.241 9.753 9.289 8.847 8.426

73 11.400 10.857 10.340 9.848 9.379 8.932

74 12.046 11.472 10.926 10.406 9.910 9.438

75 12.691 12.087 11.511 10.963 10.441 9.944




12

PROPOSED






Model Year

1990 1989


(a) (b) (c)

1 0.671 0.639 0.609 0.580 0.552 0.526 1 0.614 0.585 0.580 0.575 0.571 0.567 0.563 0.559 0.555 0.551 0.547 0.543 0.539 0.536 0.524 0.126

2 0.823 0.784 0.747 0.711 0.677 0.645 2 0.646 0.62 0.610 0.606 0.601 0.597 0.592 0.588 0.583 0.580 0.575 0.571 0.567 0.563 0.551 0.154

3 0.865 0.824 0.785 0.748 0.712 0.678 3 0.678 0.646 0.641 0.637 0.632 0.628 0.623 0.618 0.614 0.609 0.605 0.600 0.597 0.592 0.580 0.186

4 0.908 0.865 0.824 0.785 0.748 0.712 4 0.715 0.681 0.676 0.671 0.665 0.661 0.656 0.651 0.647 0.641 0.637 0.632 0.628 0.623 0.610 0.220

5 0.958 0.912 0.869 0.828 0.789 0.751 5 0.754 0.718 0.712 0.707 0.701 0.696 0.691 0.686 0.681 0.675 0.671 0.665 0.661 0.656 0.642 0.263

6 1.012 0.964 0.918 0.874 0.832 0.792 6 0.794 0.756 0.750 0.745 0.740 0.733 0.728 0.723 0.717 0.712 0.707 0.701 0.696 0.690 0.676 0.311

7 1.038 0.989 0.942 0.897 0.854 0.813 7 0.837 0.797 0.791 0.786 0.780 0.774 0.768 0.762 0.757 0.750 0.745 0.739 0.733 0.728 0.712 0.377

8 1.065 1.014 0.966 0.920 0.876 0.834 8 0.884 0.842 0.835 0.829 0.823 0.816 0.810 0.804 0.798 0.791 0.785 0.780 0.774 0.767 0.751 0.451

10 1.121 1.068 1.017 0.969 0.923 0.879 10 0.933 0.889 0.882 0.874 0.868 0.861 0.855 0.848 0.841 0.835 0.829 0.823 0.816 0.809 0.792 0.539

11 1.184 1.128 1.074 1.023 0.974 0.928 11 0.985 0.938 0.931 0.924 0.916 0.909 0.902 0.895 0.889 0.882 0.874 0.868 0.861 0.855 0.835 0.643

12 1.218 1.160 1.105 1.052 1.002 0.954 12 1.041 0.991 0.983 0.975 0.968 0.960 0.953 0.945 0.938 0.931 0.924 0.916 0.909 0.902 0.882 0.776

13 1.251 1.191 1.134 1.080 1.029 0.980 13 1.099 1.047 1.039 1.031 1.023 1.015 1.007 0.999 0.991 0.983 0.975 0.967 0.960 0.953 0.932 0.932

14 1.285 1.224 1.166 1.110 1.057 1.007 14 1.163 1.108 1.099 1.090 1.081 1.073 1.064 1.056 1.047 1.039 1.031 1.023 1.015 1.007 0.983 1.121

15 1.320 1.257 1.197 1.140 1.086 1.034 15 1.23 1.171 1.162 1.152 1.143 1.134 1.125 1.116 1.107 1.099 1.090 1.081 1.072 1.064 1.040 1.342

16 1.359 1.294 1.232 1.173 1.117 1.064 16 1.301 1.239 1.229 1.219 1.209 1.200 1.190 1.180 1.171 1.161 1.152 1.142 1.134 1.125 1.099 1.616

17 1.394 1.328 1.265 1.205 1.148 1.093 17 1.377 1.311 1.301 1.290 1.279 1.269 1.259 1.249 1.238 1.228 1.218 1.209 1.199 1.190 1.162 1.941

18 1.434 1.366 1.301 1.239 1.180 1.124 18 1.487 1.416 1.405 1.393 1.381 1.371 1.360 1.349 1.337 1.326 1.315 1.306 1.295 1.285 1.255 2.232

19 1.474 1.404 1.337 1.273 1.212 1.154 19 1.584 1.508 1.496 1.484 1.471 1.459 1.448 1.436 1.424 1.412 1.401 1.390 1.379 1.369 1.336 2.523

20 1.515 1.443 1.374 1.309 1.247 1.188 20 1.721 1.639 1.626 1.613 1.599 1.586 1.574 1.561 1.548 1.535 1.523 1.511 1.499 1.488 1.453 2.814

21 1.558 1.484 1.413 1.346 1.282 1.221 21 1.859 1.770 1.756 1.742 1.727 1.713 1.700 1.686 1.671 1.658 1.644 1.632 1.619 1.607 1.569 3.106

22 1.581 1.506 1.434 1.366 1.301 1.239 22 1.997 1.901 1.886 1.871 1.855 1.840 1.826 1.811 1.795 1.781 1.766 1.753 1.739 1.726 1.685

23 1.603 1.527 1.454 1.385 1.319 1.257 23 2.134 2.032 2.017 2.000 1.982 1.967 1.951 1.936 1.919 1.903 1.888 1.874 1.858 1.845 1.801

24 1.626 1.549 1.475 1.405 1.338 1.274 24 2.341 2.229 2.212 2.193 2.174 2.157 2.140 2.123 2.105 2.088 2.071 2.055 2.038 2.023 1.975

25 1.650 1.571 1.496 1.425 1.357 1.292 25 2.547 2.425 2.407 2.387 2.366 2.348 2.329 2.311 2.290 2.272 2.253 2.237 2.218 2.202 2.150

26 1.687 1.607 1.530 1.457 1.388 1.322 26 2.754 2.622 2.602 2.580 2.558 2.538 2.518 2.498 2.476 2.456 2.436 2.418 2.398 2.380 2.324

27 1.716 1.634 1.556 1.482 1.411 1.344

28 1.743 1.660 1.581 1.506 1.434 1.366

29 1.781 1.696 1.615 1.538 1.465 1.395

30 1.813 1.727 1.645 1.567 1.492 1.421

31 1.846 1.758 1.674 1.594 1.518 1.446

32 1.882 1.792 1.707 1.626 1.549 1.475

33 1.919 1.828 1.741 1.658 1.579 1.504

34 1.955 1.862 1.773 1.689 1.609 1.532

35 1.992 1.897 1.807 1.721 1.639 1.561

36 2.058 1.960 1.867 1.778 1.693 1.612

37 2.122 2.021 1.925 1.833 1.746 1.663




13

PROPOSED






Model Year

1990 1989


(a) (b) (c)

38 2.186 2.082 1.983 1.889 1.799 1.713

39 2.220 2.114 2.013 1.917 1.826 1.739

40 2.252 2.145 2.043 1.946 1.853 1.765

41 2.307 2.197 2.092 1.992 1.897 1.807

42 2.368 2.255 2.148 2.046 1.949 1.856

43 2.430 2.314 2.204 2.099 1.999 1.904

44 2.493 2.374 2.261 2.153 2.050 1.952

45 2.545 2.424 2.309 2.199 2.094 1.994

46 2.576 2.453 2.336 2.225 2.119 2.018

47 2.606 2.482 2.364 2.251 2.144 2.042

48 2.676 2.549 2.428 2.312 2.202 2.097

49 2.748 2.617 2.492 2.373 2.260 2.152

50 2.771 2.639 2.513 2.393 2.279 2.170

51 2.793 2.660 2.533 2.412 2.297 2.188

52 2.861 2.725 2.595 2.471 2.353 2.241

53 2.918 2.779 2.647 2.521 2.401 2.287

54 2.963 2.822 2.688 2.560 2.438 2.322

55 3.008 2.865 2.729 2.599 2.475 2.357

56 3.137 2.988 2.846 2.710 2.581 2.458

57 3.266 3.110 2.962 2.821 2.687 2.559

58 3.339 3.180 3.029 2.885 2.748 2.617

59 3.413 3.250 3.095 2.948 2.808 2.674

60 3.551 3.382 3.221 3.068 2.922 2.783

61 3.691 3.515 3.348 3.189 3.037 2.892

62 3.941 3.753 3.574 3.404 3.242 3.088

63 4.199 3.999 3.809 3.628 3.455 3.290

64 4.457 4.245 4.043 3.850 3.667 3.492

65 4.706 4.482 4.269 4.066 3.872 3.688

66 5.089 4.847 4.616 4.396 4.187 3.988

67 5.605 5.338 5.084 4.842 4.611 4.391

68 6.111 5.820 5.543 5.279 5.028 4.789

69 6.619 6.304 6.004 5.718 5.446 5.187

70 7.136 6.796 6.472 6.164 5.870 5.590

71 7.649 7.285 6.938 6.608 6.293 5.993

72 8.164 7.775 7.405 7.052 6.716 6.396

73 8.678 8.265 7.871 7.496 7.139 6.799

74 9.192 8.754 8.337 7.940 7.562 7.202

75 9.705 9.243 8.803 8.384 7.985 7.605




14

PROPOSED






100 2% 2%

250 4% 5%

500 8% 10%

1000 14% 19%

2000 26% 35%

4000 37% 48%

8000 45% 59%

Limited


0 N/A $8.50 N/A

300 0.17*** $5.32 1.03

500 1.00 1.00 1.00

750 0.85 0.80 0.91

1000 0.63 0.54 0.75

1500 0.56 0.43 0.67

2000 0.48 0.32 0.62

2500 0.46 0.30 0.57

3000 0.44 0.28 0.53

4000 0.42 0.26 0.49

5000 0.40 0.24 0.45

$100 Glass** N/A N/A 0.84




15


LIMITED COLLISION



PROPOSED

Massachusetts


Collision Waiver of


300 $10

500 $13

750 $15

1000 $16

1500 $20

2000 $25

2500 $25

3000 $25

4000 $25

5000 $25





PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating

Code


99 N/A N/A N/A

98 N/A N/A N/A

0 0.0% 0.0% 0.0%

1 7.5% 7.5% 7.5%

2 15.0% 15.0% 15.0%

3 22.5% 22.5% 22.5%

4 30.0% 30.0% 30.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%





Classes 20, 21, 25, 26

17

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 N/A N/A N/A

98** ‐11.7% ‐11.7% ‐11.7%

0 0.0% 0.0% 0.0%

1 7.5% 5.0% 0.0%

2 15.0% 10.0% 0.0%

3 22.5% 15.0% 7.5%

4 30.0% 20.0% 10.0%

5 46.5% 46.5% 46.5%

6 55.0% 55.0% 55.0%

7 63.0% 63.0% 63.0%

8 80.0% 80.0% 80.0%

9 88.5% 88.5% 88.5%

10 97.0% 97.0% 97.0%

11 106.0% 106.0% 106.0%

12 114.5% 114.5% 114.5%

13 123.0% 123.0% 123.0%

14 132.0% 132.0% 132.0%

15 140.5% 140.5% 140.5%

16 149.0% 149.0% 149.0%

17 158.0% 158.0% 158.0%

18 166.5% 166.5% 166.5%

19 175.0% 175.0% 175.0%

20 184.0% 184.0% 184.0%

21 192.5% 192.5% 192.5%

22 201.0% 201.0% 201.0%

23 210.0% 210.0% 210.0%

24 218.5% 218.5% 218.5%

25 227.0% 227.0% 227.0%

26 235.5% 235.5% 235.5%

27 244.5% 244.5% 244.5%

28 253.0% 253.0% 253.0%

29 262.0% 262.0% 262.0%

30 270.5% 270.5% 270.5%

31 279.0% 279.0% 279.0%

32 287.5% 287.5% 287.5%

33 296.5% 296.5% 296.5%

34 305.0% 305.0% 305.0%

35 313.5% 313.5% 313.5%

36 322.5% 322.5% 322.5%

37 331.0% 331.0% 331.0%

38 339.5% 339.5% 339.5%

39 348.5% 348.5% 348.5%

40 357.0% 357.0% 357.0%

41 365.5% 365.5% 365.5%

42 374.5% 374.5% 374.5%

43 383.0% 383.0% 383.0%

44 391.5% 391.5% 391.5%

45 400.5% 400.5% 400.5%






Classes 17 and 18

18

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 82.5% 66.5% 50.5%

6 99.0% 87.0% 75.0%

7 115.5% 107.5% 99.5%

8 132.0% 128.0% 124.0%

9 148.5% 148.5% 148.5%

10 165.0% 165.0% 165.0%

11 181.5% 181.5% 181.5%

12 198.0% 198.0% 198.0%

13 214.5% 214.5% 214.5%

14 231.0% 231.0% 231.0%

15 247.5% 247.5% 247.5%

16 264.0% 264.0% 264.0%

17 280.5% 280.5% 280.5%

18 297.0% 297.0% 297.0%

19 313.5% 313.5% 313.5%

20 330.0% 330.0% 330.0%

21 346.5% 346.5% 346.5%

22 363.0% 363.0% 363.0%

23 379.5% 379.5% 379.5%

24 396.0% 396.0% 396.0%

25 412.5% 412.5% 412.5%

26 429.0% 429.0% 429.0%

27 445.5% 445.5% 445.5%

28 462.0% 462.0% 462.0%

29 478.5% 478.5% 478.5%

30 495.0% 495.0% 495.0%

31 511.5% 511.5% 511.5%

32 528.0% 528.0% 528.0%

33 544.5% 544.5% 544.5%

34 561.0% 561.0% 561.0%

35 577.5% 577.5% 577.5%

36 594.0% 594.0% 594.0%

37 610.5% 610.5% 610.5%

38 612.5% 612.5% 612.5%

39 643.5% 643.5% 643.5%

40 660.0% 660.0% 660.0%

41 676.5% 676.5% 676.5%

42 693.0% 693.0% 693.0%

43 709.5% 709.5% 709.5%

44 726.0% 726.0% 726.0%

45 742.5% 742.5% 742.5%






19

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 160.5% 156.5% 152.5%

9 179.0% 179.0% 179.0%

10 197.0% 197.0% 197.0%

11 215.0% 215.0% 215.0%

12 233.0% 233.0% 233.0%

13 251.5% 251.5% 251.5%

14 269.5% 269.5% 269.5%

15 287.5% 287.5% 287.5%

16 305.5% 305.5% 305.5%

17 323.5% 323.5% 323.5%

18 342.0% 342.0% 342.0%

19 360.0% 360.0% 360.0%

20 378.0% 378.0% 378.0%

21 396.0% 396.0% 396.0%

22 414.0% 414.0% 414.0%

23 432.5% 432.5% 432.5%

24 450.5% 450.5% 450.5%

25 468.5% 468.5% 468.5%

26 486.5% 486.5% 486.5%

27 505.0% 505.0% 505.0%

28 523.0% 523.0% 523.0%

29 541.0% 541.0% 541.0%

30 559.0% 559.0% 559.0%

31 577.5% 577.5% 577.5%

32 595.5% 595.5% 595.5%

33 613.5% 613.5% 613.5%

34 631.5% 631.5% 631.5%

35 649.5% 649.5% 649.5%

36 668.0% 668.0% 668.0%

37 686.0% 686.0% 686.0%

38 704.0% 704.0% 704.0%

39 722.0% 722.0% 722.0%

40 740.5% 740.5% 740.5%

41 758.5% 758.5% 758.5%

42 776.5% 776.5% 776.5%

43 794.5% 794.5% 794.5%

44 812.5% 812.5% 812.5%

45 831.0% 831.0% 831.0%






20

PROPOSED



Massachusetts


Merit Rating Plan



Merit

Rating


99 ‐21.2% ‐21.2% ‐21.2%

98 ‐7.0% ‐11.7% ‐21.2%

0 0.0% ‐5.0% ‐10.0%

1 15.0% 10.0% 0.0%

2 30.0% 20.0% 0.0%

3 45.0% 30.0% 15.0%

4 60.0% 40.0% 20.0%

5 88.0% 72.0% 56.0%

6 104.5% 92.5% 80.5%

7 121.0% 113.0% 105.0%

8 156.0% 152.0% 148.0%

9 174.5% 174.5% 174.5%

10 192.5% 192.5% 192.5%

11 210.5% 210.5% 210.5%

12 229.0% 229.0% 229.0%

13 247.0% 247.0% 247.0%

14 265.0% 265.0% 265.0%

15 283.5% 283.5% 283.5%

16 301.5% 301.5% 301.5%

17 319.5% 319.5% 319.5%

18 337.5% 337.5% 337.5%

19 356.0% 356.0% 356.0%

20 374.0% 374.0% 374.0%

21 392.0% 392.0% 392.0%

22 410.5% 410.5% 410.5%

23 428.5% 428.5% 428.5%

24 446.5% 446.5% 446.5%

25 465.0% 465.0% 465.0%

26 483.0% 483.0% 483.0%

27 501.0% 501.0% 501.0%

28 519.0% 519.0% 519.0%

29 537.5% 537.5% 537.5%

30 555.5% 555.5% 555.5%

31 573.5% 573.5% 573.5%

32 592.0% 592.0% 592.0%

33 610.0% 610.0% 610.0%

34 628.0% 628.0% 628.0%

35 646.5% 646.5% 646.5%

36 664.5% 664.5% 664.5%

37 682.5% 682.5% 682.5%

38 700.5% 700.5% 700.5%

39 719.0% 719.0% 719.0%

40 737.0% 737.0% 737.0%

41 755.0% 755.0% 755.0%

42 773.5% 773.5% 773.5%

43 791.5% 791.5% 791.5%

44 809.5% 809.5% 809.5%

45 828.0% 828.0% 828.0%






21

PROPOSED

202

RATE SECTION

Memorandum



213

MOTORCYCLE RATES




1 $10 $10 $18 $15 1 $1 $1 $2 $1

2 $9 $9 $16 $14 2 $1 $1 $1 $1

3 $10 $10 $18 $15 3 $1 $1 $2 $1

4 $14 $13 $24 $21 4 $1 $1 $2 $2

5 $13 $12 $22 $19 5 $1 $1 $2 $2

6 $15 $15 $26 $22 6 $1 $1 $2 $2

7 $15 $14 $25 $21 7 $1 $1 $2 $2

8 $14 $14 $24 $21 8 $1 $1 $2 $2

9 $15 $15 $26 $23 9 $1 $1 $2 $2

10 $21 $20 $35 $30 10 $2 $2 $3 $3

11 $20 $19 $34 $29 11 $2 $2 $3 $2

12 $22 $20 $37 $31 12 $2 $2 $3 $3

13 $23 $22 $40 $34 13 $2 $2 $3 $3

14 $25 $23 $42 $36 14 $2 $2 $4 $3

15 $41 $39 $70 $60 15 $4 $3 $6 $5

16 $47 $45 $80 $69 16 $4 $4 $7 $6

17 $42 $40 $72 $62 17 $4 $3 $6 $5

18 $42 $40 $72 $62 18 $4 $3 $6 $5

19 $42 $40 $72 $62 19 $4 $3 $6 $5

20 $42 $40 $72 $62 20 $4 $3 $6 $5

21 $42 $40 $72 $62 21 $4 $3 $6 $5

22 $42 $40 $72 $62 22 $4 $3 $6 $5

23 $42 $40 $72 $62 23 $4 $3 $6 $5

24 $42 $40 $72 $62 24 $4 $3 $6 $5

25 $42 $40 $72 $62 25 $4 $3 $6 $5

26 $42 $40 $72 $62 26 $4 $3 $6 $5

27 $8 $8 $13 $12 27 $1 $1 $1 $1

40 $22 $21 $38 $33 40 $2 $2 $3 $3

41 $25 $23 $42 $36 41 $2 $2 $4 $3

42 $41 $39 $70 $60 42 $4 $3 $6 $5

43 $42 $40 $71 $61 43 $4 $3 $6 $5

44 $47 $44 $79 $68 44 $4 $4 $7 $6

45 $41 $39 $70 $60 45 $3 $3 $6 $5

Notes:




Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over


224

MOTORCYCLE RATES






1 $13 $12 $20 $17 1 $2 $3 $4 $5

2 $12 $11 $18 $15 2 $2 $3 $4 $5

3 $13 $12 $20 $16 3 $2 $3 $4 $5

4 $17 $15 $27 $22 4 $3 $4 $6 $7

5 $16 $14 $25 $20 5 $3 $4 $5 $7

6 $18 $16 $29 $23 6 $3 $5 $6 $8

7 $17 $15 $27 $22 7 $3 $5 $6 $8

8 $17 $15 $27 $22 8 $3 $4 $6 $7

9 $18 $16 $29 $23 9 $3 $5 $6 $8

10 $24 $21 $38 $31 10 $4 $7 $9 $11

11 $23 $20 $37 $30 11 $4 $6 $8 $10

12 $24 $22 $39 $32 12 $5 $7 $9 $11

13 $26 $23 $42 $34 13 $5 $7 $10 $12

14 $28 $25 $42 $36 14 $5 $8 $10 $13

15 $31 $31 $42 $42 15 $9 $13 $17 $22

16 $31 $31 $42 $42 16 $10 $15 $20 $25

17 $31 $31 $42 $42 17 $9 $13 $18 $22

18 $31 $31 $42 $42 18 $9 $13 $18 $22

19 $31 $31 $42 $42 19 $9 $13 $18 $22

20 $31 $31 $42 $42 20 $9 $13 $18 $22

21 $31 $31 $42 $42 21 $9 $13 $18 $22

22 $31 $31 $42 $42 22 $9 $13 $18 $22

23 $31 $31 $42 $42 23 $9 $13 $18 $22

24 $31 $31 $42 $42 24 $9 $13 $18 $22

25 $31 $31 $42 $42 25 $9 $13 $18 $22

26 $31 $31 $42 $42 26 $9 $13 $18 $22

27 $10 $9 $16 $13 27 $2 $2 $3 $4

40 $25 $23 $41 $33 40 $5 $7 $9 $12

41 $28 $25 $42 $36 41 $5 $8 $10 $13

42 $31 $31 $42 $42 42 $9 $13 $17 $22

43 $31 $31 $42 $42 43 $9 $13 $18 $22

44 $31 $31 $42 $42 44 $10 $15 $20 $24

45 $31 $31 $42 $42 45 $9 $13 $17 $21

Notes:



Group Vehicle size

A 0 c.c. to 100 c.c.

B 101 c.c. to 350 c.c.

C 351 c.c. to 650 c.c.

D 651 c.c. and over




235

MOTORCYCLE RATES





1 $9 $9 $16 $14 $500 $55

2 $10 $9 $16 $14 $750 $62

3 $11 $11 $19 $17 $1,000 $68

4 $12 $11 $20 $17 $2,000 $92

5 $12 $11 $20 $18 $5,000 $149

6 $13 $12 $22 $19 $10,000 $241

7 $13 $12 $22 $19 $15,000 $296

8 $13 $12 $22 $19 $20,000 $339

9 $16 $15 $27 $23 $25,000 $360

10 $15 $14 $26 $22 $50,000 $378

11 $16 $15 $27 $23


13 $19 $18 $32 $27 Rates by limit

14 $20 $19 $35 $30



17 $30 $29 $52 $44 20/40 $19

18 $30 $29 $52 $44 20/50 $20

19 $30 $29 $52 $44 25/50 $20

20 $30 $29 $52 $44 35/80 $23

21 $30 $29 $52 $44 50/100 $25

22 $30 $29 $52 $44 100/300 $29

23 $30 $29 $52 $44 250/500 $36

24 $30 $29 $52 $44 500/500 $45

25 $30 $29 $52 $44 500/1000 $54

26 $30 $29 $52 $44

27 $9 $9 $16 $14

40 $16 $15 $27 $23

41 $23 $22 $39 $34

42 $23 $22 $39 $33

43 $24 $23 $41 $35

44 $23 $22 $39 $33








50/100 $41


A 0 c.c. to 100 c.c. 250/500 $255

B 101 c.c. to 350 c.c. 500/500 $466

C 351 c.c. to 650 c.c. 500/1000 $677

D 651 c.c. and over



246

MOTORCYCLE RATES



257



268




Rule 11 Page 1 of 1

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 11. PREMIUM CALCULATION RULE The following sequence shall be used in rating the policy. The manual rate includes any premium adjustment as may be necessary to increase, reduce or eliminate the deductible amount applicable to Parts 7, 8 and 9, or to apply Waiver of Deductible under Part 7. 1. Apply the appropriate HAL factor from Rule 26 to the base rate for Parts 1 through 12.all

parts, including the Collision Deductible Waiver and excluding Part 5. For Part 5, the HAL factor is applied after the base premium calculation as follows: Part 5 Base Premium = (A + Part 5 Base Rate) x Part 5 Increased Limit Factor – A where A = Part 1 Base Rate x Implicit Surcharge Factor








Rule 19 Page 1 of 7

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 19. DISCOUNTS A. Multi-Car


B. Public Transit


1. Eligibility








Rule 19 Page 2 of 7















August 15, 1988









Rule 19 Page 3 of 7








1. Eligibility



Rule 19 Page 4 of 7

2. Verification














Rule 19 Page 5 of 7








been assigned.







Rule 19 Page 6 of 7


No Amica 1 Amica 2+ Amica Life Policies Life Policy Life Policies Auto only 0% 4% 7% Auto & HO-1, 2, 3, 5, 9 7% 9% 10% Homeowners (HO 1, 2, 3, 5, 9) Auto & HO-6 Condo 67% 89% 10% (HO 6) Auto & HO-4Tenants (HO 4 67% 89% 10% and Renters’ Essentials)

I. Good Student










Rule 19 Page 7 of 7

J. Loyalty






Rule 26 Page 1 of 4

Effective SEPTEMBER 1, 2014DECEMBER 1, 2015 RULE 26. ADDITIONAL RATING FACTORS A. DRIVING EXPERIENCE FACTOR – FOR OTHER THAN THE BASIC COVERAGE

PACKAGE


Years

Driving Coverages

1,2,4,7 Coverages

5,6,8,9 Experience Factor Factor

No valid US or Canadian License Range 7 1.095 1.04

0-2 Range 1 1.00 1.00 3-5 Range 2 1.00 1.00 6-9 Range 3 1.095 1.04

10-19 Range 4 1.00 1.00 20-49 Range 5 0.95 0.95 50-59 Range 6 1.00 1.00 60+ Range 7 1.095 1.04



license 1.095 1.040




If the operator has been insured in the Commonwealth of Massachusetts during the 12 months preceding the application of coverage, or if evidence of prior licensure is available, years licensed will be determined by the number of full years the operator has held a valid driver’s license at the time the policy is issued. The number of years licensed will be determined based on the operator’s date first licensed and the policy effective date, truncated to the nearest full year of driving


Rule 26 Page 2 of 4

experience. If the date first licensed is not provided by the insured, the years licensed factor will be assigned based on the earliest possible date the driver’s license could be obtained in Massachusetts. If the operator has not been insured in the Commonwealth of Massachusetts during the 12 months preceding the application for coverage, and no evidence of prior licensure is available, the operator will be assigned a year’s licensed factor equal to zero(0). The Massachusetts driving experience will be used thereafter to assign the years.

B. DRIVING EXPERIENCE FACTOR – FOR THE BASIC COVERAGE PACKAGE

The premium for each coverage is determined by applying the Driving Experience factor from the table below to Parts 1, 2, 4 and 5.

Years

Driving Coverages

1,2,4,5 Experience Factor

No valid US or Canadian License Range 7 1.00

0-2 Range 1 1.00 3-5 Range 2 1.00 6-9 Range 3 1.00

10-19 Range 4 1.00 20-49 Range 5 1.00 50-59 Range 6 1.00 60+ Range 7 1.00



Rule 26 Page 3 of 4

CB. LIMIT/VEHICLES FACTOR

Determine if the vehicle qualifies for a multi-car discount. Determine the Prior Each Person Bodily Injury Liability Limit for the policy. The premium for each coverage is determined by applying the Prior Limit/Vehicles factor for the appropriate Each Person Prior Bodily Injury Liability Limit and single/multi-car status from the tables below to Parts 1, 2, 3, 4, 5, 6, 7, 9, and 12. For vehicles without liability coverage (Part 5 Optional BI), a factor of 1.00 should be used for Parts 1, 2, 3, 4, 5, 6, 7, 9 and 12.


PRIOR PART

BI EP Limit (000) 1 2 3 4 5 6 7 9 12

No Prior BI <=20

1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 1.00 1.00 1.00 >=100 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00


PRIOR PART BI EP Limit

(000) 1 2 3 4 5 6 7 9 12 No Prior BI

20 1.25 1.20

1.251.20

1.25 1.20

1.251.20

1.251.20

1.251.20

1.251.20

1.25 1.20

1.25 1.20

21-99 1.15 1.00 1.00 1.00 1.12 1.00 0.95 0.95 1.00 >=100 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95 0.95

The Prior Bodily Injury limit is determined at the time of application for New Business or in preparation of renewal for renewal business. The Bodily Injury Per Person limit is the limit from the prior carrier for New Business and the limit from the expiring policy for Renewal business. For servicemen with a gap in coverage due to active military duty, the prior limit and coverage refer to that which was in force prior to that duty.

For prior policies with Part 1 coverage but not Part 5 coverage, the Prior BI limit is assumed to

be 20/40.


Rule 26 Page 4 of 4

DC. Household Assessment Level Factors*

A Household Assessment Profile (HAP) is calculated at New Business or in preparation of Renewal. The HAP considers the following attributes in determining the Household Assessment Level, or HAL. 1. The number of late payments in the last three years. 2. The number of cancellation notices in the last three years. 3. Years the account has been in-force with Amica. 4. Years of tenure with the prior carrier. 5. Prior Bodily Injury Accident Limit. 6. Number of Homeowners policies in force. 7. Number of Umbrella and Ocean Marine policies in force. 8. Vehicle Density Group. 9. Maximum Years Licensed. 10. Minimum Years Licensed. 11. Minimum Vehicle Age. 12. Number of Vehicles. The Household Assessment Level deterioration is limited to 3(1) HAL’s on renewal. There is no limitation on HAL improvement. The HAP is not recalculated midterm.

HAP Score Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7 Part 8 Part 9 Part 10 Part 11 Part 12

HAL Range 1 <=1.019 0.89 0.89 0.94 0.89 0.89 0.94 0.89 0.89 0.89 0.89 0.89 0.94 2 1.020 – 1.183 0.90 0.90 0.95 0.90 0.90 0.95 0.90 0.90 0.90 0.90 0.90 0.95 3 1.184 – 1.323 0.91 0.91 0.96 0.91 0.91 0.96 0.91 0.91 0.91 0.91 0.91 0.96 4 1.324 – 1.519 0.91 0.91 0.96 0.91 0.91 0.96 0.91 0.91 0.91 0.91 0.91 0.96 5 1.520 – 1.692 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 6 1.693 – 1.907 1.05 1.00 1.00 1.00 1.05 1.00 1.00 1.00 1.00 1.00 1.00 1.00 7 1.908 – 2.174 1.12 1.00 1.00 1.05 1.12 1.00 1.10 1.10 1.00 1.00 1.00 1.00 8 2.175 – 2.544 1.12 1.00 1.25 1.15 1.12 1.00 1.15 1.15 1.10 1.10 1.10 1.25 9 2.545 – 3.311 1.12 1.25 1.25 1.25 1.12 1.25 1.15 1.15 1.10 1.10 1.10 1.25 10 >=3.312 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25


Rule 26 Page 5 of 4

HAL HAP Score

Range

Part 1

Part 2

Part 3

Part 4

Part 5

Part 6

Part 7**

Part 8

Part 9

Part 10

Part 11

Part 12

1 <= 1.019 0.80 0.85 0.90 0.85 0.80 0.90 0.89 0.89 0.84 0.84 0.84 0.90

2 1.020 - 1.183 0.83 0.87 0.92 0.87 0.83 0.93 0.90 0.90 0.87 0.87 0.87 0.92

3 1.184 - 1.323 0.86 0.89 0.94 0.89 0.86 0.95 0.91 0.91 0.90 0.90 0.90 0.94

4 1.324 - 1.519 0.90 0.91 0.96 0.91 0.90 0.98 0.91 0.91 0.90 0.90 0.90 0.96

5 1.520 - 1.692 1.00 1.00 0.98 0.98 1.00 1.00 0.97 0.97 1.00 1.00 1.00 0.98

6 1.693 - 1.907 1.10 1.00 1.00 1.00 1.10 1.00 1.00 1.00 1.00 1.00 1.00 1.00

7 1.908 - 2.174 1.20 1.02 1.05 1.07 1.20 1.00 1.10 1.10 1.00 1.00 1.00 1.05

8 2.175 - 2.544 1.20 1.02 1.25 1.20 1.20 1.00 1.15 1.15 1.10 1.10 1.10 1.25

9 2.545 - 3.311 1.20 1.30 1.30 1.30 1.20 1.30 1.20 1.20 1.10 1.10 1.10 1.30

10 >=3.312 1.32 1.30 1.30 1.30 1.32 1.30 1.30 1.30 1.25 1.25 1.25 1.30



Effective OCTOBER 27, 2014DECEMBER 1, 2015



B. Billing





$239.99 to $80.00 $1.00 $79.99 or less $0.00




1. Payment in Full



A discount of 24% will apply if the policyholder pays the entire premium in full. The full payment must be made prior to the due date of the first bill. The discount will apply to Parts 1, 2, 3, 4, 5, 6, 7, 8, 9 and thru12 and the Waiver of Collision

Deductible option. Finance company payments do not qualify for the discount.

2. Ten Payment Plan



E-4
















E-5

INDEX

A

Rule/ Page


26 45


39 35



10 8



2


16


28 26


15


24


G Rule/Page





2 26


1




48




P Rule/ Page



7 27 28


2





7


T

Rule/ Page


34



2


2



15


15

Documents

This page and any attached endorsements form a part of your … · 2019-10-25 · AMICA MUTUAL INSURANCE COMPANY (12:01 A.M. Eastern Standard Time) ITEM 3. Description of your Auto: