AIG Kicks up Auto Rates Around the Country

Since March 1, 2008 AIG has increased PPA rates in some of the bigger states, including California, Kentucky, New Mexico, Missouri, Vermont, Tennessee and New Jersey. Please see the matrix below for details on companies, rates and effective dates.

RFC Number(s): TNP21377, TNP21400, TNP21402, NJP23592, TNP181, VTP266, MOP45, MOP82, NMP21846, NMP21847, KYP1866, KYP1867, CAP17283

Date First Appeared: 05/08/2008

Homeowners Gets an 11% Raise in Illinois

Allstate Indemnity is increasing its Homeowners rates 11.1% in Illinois. The revision includes changes to the Rating Group Factors, Age of Home Discount Factors, Home Buyer Discount Factors, Deductible Factors, Rate Adjustment Factors, Base Rates and Water Back Up Rates. It will be effective May 26, 2008.

RFC Number(s): ILP24433

Date First Appeared: 05/06/2008

Earthquake Filings Shaking in California

Earthquake Filings in have been one of our most popular requests the past few weeks. Below is a table of the recent filing activity in California under the Earthquake line of business, both personal and commercial.

We also have many recent earthquake filings or endorsements in other states, including Washington, Oregon, Pennsylvania, Illinois, Indiana, New York and Florida.

RFC Number(s): CAP17266, CAP17245, CAP17210, CAP17186, CAC38827, CAP17140, CAC38412, CAP17058, CAP17031, CAC36993, CAC36825, CAC36357, CAP15422, CAC35550, CAP15363, CAP15320, CAP15180, CAC34967, CAP15049, CAP15008, CAP14570, CAP14383

Date First Appeared: 05/01/2008

Progressive Enters Massachusetts Market

The initial filing for Progressive's entrance into the Massachusetts Personal Auto Market is now available. There are two rates and rules filings, and one forms filing. The effective date is May 1, 2008.

RFC Number(s): MAP20643, MAP20642, MAP20641

Date First Appeared: 04/29/2008

Blue Rates Lowered By Allstate

Allstate has made some recent rate decreases to their Non-Standard PPA "Blue" program. Filing information is currently available in Pennsylvania, Arizona, Tennessee and Ohio. Perr & Knight expects more Blue filings to be available in other states soon, so please check PK Forums for updates.

Please note that the Ohio filing does not indicate "Blue" as a program name, but the information is very similar to the Blue program in other states.

RFC Number(s): OHP22765, TNP21186, AZP24947, PAP1092

Date First Appeared: 04/24/2008

Quantum Is Now Home in New Jersey and Rhode Island

Complete and updated information for Traveler's Quantum Homeowners and High Value Homeowners program is now available in New Jersey and Rhode Island. A complete set of tiering factors is available in each state. As it has does in previously introduced states, Quantum brings substantially more tiers than previous Travelers offerings.

RFC Number(s): NJP245, NJP23571, RIP20827, RIP20828, RIP20876

Date First Appeared: 04/22/2008

Progressive 7.0 With Rate Stability Released in Ohio

Information regarding Progressive's 7.0 program with rate stability is now available.

Progressive has eliminated rate capping, and replaced it with rate stability. The details are in the filing. The filing also includes a breakdown of rates by coverage, various factor tables, the rate order of calculation and new rule pages. The formal rate capping rule is included as Rule P60.

The filing, effective April 11, raises rates 2.4%

Note: Perr&Knight believes that this filing has been approved, but we are in the process of double-checking to be sure. We will update the ratefilings.com when the status is confirmed.

RFC Number(s): OHP23198

Date First Appeared: 04/17/2008

Progressive Reworks Motorcycle, RV and Motor Home Rates in Tennessee

Effective March 28, Progressive has raised motorcycle rates and lowered RV, motor home and travel trailer rates in Tennessee. Each filing includes a copy-and-paste friendly set of rules, actuarial summaries, rate details by coverage and territory assignments.

TNP00143 contains the information for the motor home, RV and travel trailer coverage, and TNP00144 contains the motorcycle information.

RFC Number(s): TNP144, TNP143

Date First Appeared: 04/15/2008

Progressive Unveils Business Auto and Commercial Truck Changes in Colorado

Progressive recently increased their rates and introduced new coverages for their Business Auto and Commercial Truck programs in Colorado. Effective February 13, 2008 rates will increase 1.3%. New coverages include Truck Cargo, Rental Reimbursement with Downtime for trucks and Rental Reimbursement, Roadside Assistance and "Drive Other Car" for Business Auto. Additional enhancements include an expanded 500 mile radius for truck risks and Years in Business, CDL Experience and Package discounts.

RFC Number(s): COC21127

Date First Appeared: 04/10/2008

Farmers Ups Personal Auto Rates in Tennessee and New Mexico

Farmers recently filed two substantial PPA rate changes in Tennessee and New Mexico.

RFC Number(s): TNP203, NMP280

Date First Appeared: 04/08/2008

Progressive Northern Changes Rates in Nevada

Progressive Northern Insurance Company has revised rates and rules including tier factors, EFT discount, multi-policy discount, collision territory factors, lowered driver class factors for single drivers age 17 and 18, adjusted house hold structure factors, limit factors, core discount factors, and base rates.

The estimated overall effect of this filing is a 2.09% decrease.

These changes are effective on and after 1/31/2008.

RFC Number(s): NVP22014

Date First Appeared: 04/03/2008

State Farm Changes Rate in Minnesota

State Farm Fire & Casualty Company has revised its rates and rules including the base rate for PIP coverage and removing the inexperienced operator surcharge under the standard tier auto rating.

The estimated overall effect of this filing is a decrease of 0.8%.

State Farm Mutual Automobile Insurance Company has also revised its rates and rules including changes to class factors and base rates.

The estimated overall effect of this filing is a decrease of 2.1%.

Both of these changes are to be in effect on and after 03/17/2008.

RFC Number(s): MNP21746, MNP21747

Date First Appeared: 04/01/2008

Illinois Allstate Increases PPA Rate by 10%

Allstate Fire and Casualty is updating its territorial base rates for some territories, updated driver classification factors for some classes, updated tier factors for some tiers, and updated premier/premier plus rating factors.

The effect of these changes is an overall 9.6% rate level change.

Effective date of this filing is 10/11/2007.

RFC Number(s): ILP24388

Date First Appeared: 03/27/2008

Initial Progressive RV Program Info From New Jersey Available

Starting March 14, 2008 Progressive Drive and Progressive Garden State are both offering Recreational Vehicle policies in New Jersey.

NJP23606 is the entire initial filing, including the complete rating manual and details on coverages such as personal effects, vacation liability and full timer's coverage. Please note that this filing is in a user friendly format, allowing copy and pasting of text and tables to word processors and spreadsheets.

RFC Number(s): NJP23606

Date First Appeared: 03/25/2008

Tennessee PPA Changes Have Arrived

Private Passenger Auto in Tennessee has been one of our most requested items in the past few weeks. Farmers, State Farm and Permanent General have all made significant changes or updates to their programs.

State Farm's filing includes updates to the insurance rating group (IRG), vehicle safety discount (VSD), and liability rating group (LRG). Farmers is raising their rates 8.8% and details the changes by coverage in the Farmers Insurance Exchange and Mid-Century companies. Permanent General's revision raises their rates 2.7% and adjusts base rates, territory factors, limit factors, driver class factors and point factors.

RFC Number(s): TNP21407, TNP21406, TNP21405

Date First Appeared: 03/20/2008

True Pricing Hits New York Thursday

Safeco is introducing their True Pricing auto product to the New York Market effective March 20, 2008. All new business will be written in American States Insurance Company. Safeco True Pricing™ was developed and designed using multivariate statistical analyses incorporating Generalized Linear modeling. Countrywide data was utilized in the initial development but the product was tailored to meet the unique requirements of the New York market. The result is a sophisticated multi-tier product structure that will allow us to offer a more competitive rate to a broader group of risks than we currently do today. All rating plan factors were selected using this modeling process with the exception of symbol, territory, increase limits and deductibles.

Along with the launch of the new product, Safeco will be introducing vehicle symbols for Bodily Injury, Property Damage and Personal Injury Protection and has provided support within the filing. Safeco will be using the same territory definitions approved and in use by their current programs in NY but have selected factors for territory, limits and deductibles based upon a review of the factors in use by our current companies and other competitors.

RFC Number(s): NYP23447

Date First Appeared: 03/18/2008

CT Homeowners Rates on the Rise

Connecticut has seen some significant rate increases on the Homeowners side. See the chart below for some recent rate increases.

RFC Number(s): CTP262, CTP224, CTP214, CTP211, CTP201, CTP21437, CTP21299, CTP21282, CTP21260, CTP21255, CTP21234, CTP21231, CTP21230

Date First Appeared: 03/13/2008

GEICO Rate Increase in New York Approved

GEICO is raising their private passenger auto rates and changing territory definitions in New York. This filing contains the base rates and rate change justifications for GEICO, GEICO General, GEICO casualty and GEICO Indemnity, as well as the updated territory definitions.

The effective date is January 10, 2008

RFC Number(s): NYP23446

Date First Appeared: 03/10/2008

Motorcycle Rates Speed Up in 2008

Some of the bigger companies have changed their motorcycle rates in 2008. See the chart below for recent changes. If you have a question about motorcycle filings or anything else on www.ratefilings.com, please email tech@perrknight.com

RFC Number(s): AZP57, DEP236, FLP1129, FLP2047, FLP2105, GAP21440, IAP21527, IAP21539, IAP21540, ILP39, ILP41, INP113, KYC5685, KYP1681, KYP1740, KYP1760, KYP1762, KYP1783, MAP20600, MEP21688, MEP21689, MEP21697, MEP21778, MEP21780, MNP21725, NCP381, NJC951, NJP198, NJP23505, NJP23524, NMP104, NMP125, NMP173, NMP21787, NYP2121, ORP141, ORP24317, PAP29399, PAP29496, PAP29497, SDP317, SDP318, TNP21401, TXP22128, UTC582, WIP23, WIP21807, WIP21830

Date First Appeared: 03/06/2008

Farmers Raises Next Generation Homeowners Rates

Farmers is raising their Next Generation Homeowners rates in three big states - California, Illinois and Oregon.

In Illinois, Farmers Insurance Exchange and Illinois Farmers Insurance Company are revising the zip code factors and base rates. In Oregon, Farmers Insurance Exchange and Farmers Insurance Company of Oregon are revising base rates by territory, deductibles and premium group factors. In California, Farmers Insurance Exchange and Fire Insurance Exchange are revising territorial base rates, liability limits, condo relativities and building property coverage.

If you have any questions about any other Farmers Next Generation filings, or what is contained in the individual documents, please email tech@perrknight.com.

RFC Number(s): ORP24353, ILP96, CAP15607

Date First Appeared: 03/04/2008

New Jersey PPA updates

The last six months have seen a flurry of rate filing activity in the New Jersey private passenger auto market. All the biggest writers have filed, including Allstate, State Farm, Progressive, AIG and Liberty Mutual.

NJP00238 - Electric Mutual - 0.30% - 2/27/2008
NJP00223 - Allstate Insurance Group 0.00% 2/25/2008
NJP00222 - Allstate Insurance Group 0.00% 12/28/2007
NJP00221 - Liberty Mutual Insurance Companies 2.20% 1/15/2008
NJP00220 - Protective Life Insurance Group 0.00% 12/4/2007
NJP00219 - Progressive Insurance Group 0.26% 1/16/2008
NJP00215 - USAA Group 0.00% 1/21/2008
NJP23589 - State Farm Group 0.00% 1/28/2008
NJP23588 - State Farm Group 0.00% 1/28/2008
NJP23575 - Hartford Insurance Group 4.30% 3/5/2008
NJP23570 - Progressive Insurance Group -0.26% 1/16/2008
NJP23566 - Liberty Mutual Insurance Companies -2.20% 1/15/2008
NJP23559 - Allstate Insurance Group 0.00% 2/25/2008
NJP23556 - USAA Group 0.00% 1/21/2008
NJP00203 - Metropolitan Group 0.00% 1/15/2008
NJP00200 - State Farm Group 0.00% 12/31/2007
NJP00198 - American International Group 0.00% 2/15/2008
NJP00192 - Amica Property & Casualty 5.70% 3/1/2008
NJP00190 - Aegis Security Insurance Group 0.00% 2/1/2008
NJP00189 - State Farm Group 0.00% 12/31/2007
NJP00183 - Chubb Group of Insurance Companies 0.00% 12/7/2007
NJP23502 - American Modern Insurance Group 0.00% 12/4/2007
NJP23498 - State Farm Group 0.00% 1/1/2008
NJP23495 - State Farm Group 0.00% 1/28/2008
NJP23491 - Allianz of America, Inc. -3.19% 11/30/2007
NJP23487 - State Farm Group 0.00% 1/28/2008
NJP23485 - Balboa Life & Casualty Group 0.00% 11/15/2007
NJP00157 - Unitrin Group 0.00% 11/28/2007
NJP23434 - St. Paul Travelers Companies 0.00% 11/18/2007
NJP23422 - Allstate Insurance Group 3.40% 11/19/2007
NJP23419 - Allmerica Financial Corporation 3.60% 12/3/2007
NJP23362 - AAA Mid-Atlantic Insurance Group 3.00% 10/15/2007
NJP23349 - American International Group 7.30% 10/1/2007
NJP23344 - Electric Mutual -0.30% 10/8/2007

RFC Number(s): NJP238, NJP223, NJP222, NJP221, NJP220, NJP219, NJP215, NJP23589, NJP23588, NJP23575, NJP23570, NJP23566, NJP23559, NJP23556, NJP203, NJP200, NJP198, NJP192, NJP190, NJP189, NJP183, NJP23502, NJP23498, NJP23495, NJP23491, NJP23487, NJP23485, NJP157, NJP23434, NJP23422, NJP23419, NJP23362, NJP23349, NJP23344

Date First Appeared: 02/28/2008

Farmers Institutes New Multi-Tier Auto in New York

Farmers Insurance submitted a new Multi-Tier Auto program in New York effective October 1, 2007.

Farmers is aiming to use its Multi-Tiered FACET model to appropriately price a broad market of risks.

NYP23269 is the original submission to the NY DOI, NYP23271 includes Farmers' responses to the DOI and NYP23340 contains the complete manual pages of the new program filing. If you have any questions about what is contained in the individual filings, please email tech@perrknight.com.

RFC Number(s): NYP23271, NYP23269, NYP23340

Date First Appeared: 02/26/2008

Allstate Steps up New York Homeowners Rates

Allstate is raising their base rates 11% in conjunction with their recent purchase of a reinsurance contract. The changes in methodology from New York's prior rate filing can be found in the Actuarial Standards of Practice pages.

The filing is effective date January 10, 2008.

RFC Number(s): NYP2110

Date First Appeared: 02/21/2008

Big AIG Personal Auto Increase in Arizona

AIG National Insurance Company filed an 8% rate increase to their Personal Auto 3.1 program in Arizona.

The indicated rate changes are the direct result of the review of the experience for the 3.1 Auto Program and the implementation of Generalized of Linear Modeling (GLM) factors using TransUnion credit model. The proposed changes are the effects of the Auto 3.1 Program’s selected Base Rates, Territory, Tier, Age-Point-Tier, Combo-Discount, Limit, Deductible, Driver Class, Driver Point, Model Year, Symbol, Year-Make-Model, Vehicle Exposure, Standard Carrier Discount, Advance Quote Discount, and Stated Value Factors.

AIG is requesting an effective date of January 8, 2008 for renewal business.

RFC Number(s): AZP24967

Date First Appeared: 02/19/2008

Farmers Companies Raise Personal Auto Rates in Virginia

Farmers Insurance Exchange and Mid-Century Insurance Company recently raised their private passenger auto rates 5.9% and 5.8%, respectively.

Included in this filing are the most current base rates, zip codes and vehicle factors.

In addition to a base rate change, Farmers proposed the implementation of liability symboling and a household composition rating factor on new business. There are separately developed symbols for Bodily Injury – Property Damage and Medical coverages that are different than the current physical damage symbols employed. Symbol assignment and rating factors are included in the manual pages. The household composition factor assigns a rating factor based on number of vehicles in the household, number of drivers in the household, age of the vehicle, and the presence of a youthful driver in the household. Also included are the previously confidential disruption mitigation factors.

The base rate changes were effective June 1, 2007, but various changes were made to the same filing with an effective date of January 1, 2008.

VAP21904, the main filing is in a completely reader friendly format, allowing users to cut and paste all or parts of the document at their convenience.

RFC Number(s): VAP21904, VAP21899, VAP21923

Date First Appeared: 02/13/2008

Brand New Spectrum and MasterPac Filings Have Arrived

Over the past few weeks Perr&Knight has worked hard to get as much information as possible regarding Spectrum and MasterPac BOP programs around the country. Since December 1, we have indexed over 200 filings into our database. Below is a list of the most recent additions and their effective dates. Overall the ratefilings.com database contains over 1,600 Spectrum and MasterPac filings.

• Tennessee - 12/1/07
• Maryland - 12/10/07
• New Jersey - 8/1/08
• Kentucky - 1/1/08
• Pennsylvania - 6/1/08
• Rhode Island - 2/16/08
• Massachusetts - 2/1/08
• Indiana - 4/1/08
• Tennessee - 12/2/07
• California - 8/1/08
• Georgia - 1/12/08
• North Carolina - 4/1/08
• South Dakota - 12/27/07
• New Hampshire - 12/1/07
• Maine - 4/1/08
• Connecticut - 8/2/07
• Utah - 12/2/06
• Delaware - 8/1/05
• Nevada - 10/20/07
• Vermont - 12/1/07
• Washington - 11/1/07
• Oregon - 3/3/07
• New York - 11/14/07
• New Mexico - 12/1/07

In order to search for Spectrum or MasterPac filings using the main search engine, please enter "Spectrum, Master" in the keyword field and "91, 3548" in the Group # field. After that you can customize results to filter for other criteria such as effective date, state and file type.

RFC Number(s): NJC926, KYC5689, PAC4203, RIC1017, RIC966, MAC2449, KYC5398, INC25767, CAC38227, CAC38165, CAC38146, GAC21338, NCC4626, NCC4624, NCC4579, NCC4573, SDC1184, SDC1183, SDC1089, MEC2666, NJC887, CTC955, NVC1765, NVC1764, NVC1763, NVC1762, NVC1761, NVC1760, NVC1759, VTC2015, VTC2013, VTC1934, VTC1925

Date First Appeared: 02/07/2008

Progressive Direct Changes Rate Schedule in Texas

Enclosed in Progressive Direct's most recent Texas auto filing are revisions to Progressive County Mutual's Agent Classic, Advantage & Super Saver Rating schedule of rates . TXP22162 includes changes effective December 21, 2007 and January 20, 2008. The filing contains a schedule of rates including cancellation effective dates/times, theft prevention assessment, and reinstatement after cancellation for non-payment, the rule manual and supporting information.

TXP22164 is a revision updating the amendments to driving record points and TXP22165 is an update to the pro pricing rating classes program rule.

RFC Number(s): TXP22165, TXP22164, TXP22162

Date First Appeared: 02/05/2008

Quantum Homeowners Updates - 23 States Available

Since our last update, Perr&Knight has received over 100 filings in 23 states for Traveler's Quantum Homeowners. Many states have complete sets of rates and rules available, including the High Value portion of the program. Please browse through the search results to see what information is available in each state.

• Arkansas
• Arizona
• California
• Connecticut
• Delaware
• Iowa
• Illinois
• Indiana
• Kansas
• Kentucky
• Maine
• Minnesota
• Mississippi
• New Mexico
• Nevada
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Dakota
• Tennessee
• Virginia
• Vermont

If you have any questions about Quantum filings in these or any other states, please email tech@perrknight.com with questions.

RFC Number(s): AZP23678, NJP21776, AZP23694, AZP23705, AZP23751, NVP20959, MNP21109, MNP21110, NMP21306, NMP21307, NVP21158, ARP21159, ARP21160, VAP21442, VAP21443, AZP24270, ORP23957, NHP21079, NMP21501, AZP24302, NMP21536, COP22103, NHP21114, CAP15181, NHP21212, CAP15231, CTP21092, CTP21098, VAP21633, VAP21634, NHP21274, ILP23913, CTP21143, CTP21144, VTP21280, TNP21204, TNP21205, MEP21527, VAP21702, ARP21246, MNP21522, VAP21722, VAP21723, NVP21732, ARP21351, ARP21351, ARP21350, ARP21349, SDP281, CTP185, KSP20746, MSP20645, CAP15846, DEP230, DEP243, IAP21499, KSP20728, KSP20727, MNP6, ARC22899, ARC22898, ARC22897, TNP21357, CAP15703, IAP21478, IAP21477, IAP21476, VAP21865, VAP21864, VAP21863, VAP21862, MEP21797, MEP21796, OKP21534, OKP21533, OKP21532, KYP22637, KYP22598, KYP22597, KYP22596, KYP22595, KYP22594, ORP173, NMP21745, CAP15659, INP23214, INP23213, INP23212, ILP24238, VAP4, VAP3, PAP29281, VTP21398, VAP21810, VAP21807, ILP24177, VTP21372, TNP21293, PAP29225, AZP24718, SDP51, RIP69, VAP21762, NVP21781, NVP21773, NVP21771, ORP24308, ORP24307

Date First Appeared: 01/31/2008

Allstate Raises Texas Homeowners Rates in a Series of Recent Filings

TXP22044 increases rates though the use of the rate adjustment factor across all zones. Included in the filing are the formula calculations for the rate level indications and supporting data, the summary of proposed manual changes and a development of underwriting profit appendix. TXP22044 is an update to the information from TXP22015.

TXP22015 is also an update to the earlier filing TXP21813, providing support for the previously filed information. This update was made to reflect the weight given to the near term factors used in the development of the hurricane provision.

TXP21813 is an informational filing referred to in TXP22015.

RFC Number(s): TXP22044, TXP22015, TXP21813

Date First Appeared: 01/29/2008

Hartford's Credit Scoring System Revised in Indiana - Auto, Home and Inland Marine

Hartford recently filed to have their credit scoring system in Indiana changed for it's three main personal lines. Changes are effective December 7, 2007 for the companies listed below:

• Hartford Insurance Company of the Midwest
• Property & Casualty Insurance Company of Hartford
• Hartford Accident & Indemnity Company
• Hartford Fire Insurance Company
• Hartford Insurance Company of the Midwest
• Hartford Underwriters Insurance Company
• Twin City Fire Insurance Company
• Hartford Casualty Insurance Company
• Sentinel Insurance Company Ltd

RFC Number(s): INP131, INP127, INP128

Date First Appeared: 01/24/2008

Ohio State Farm Homeowners Rate, Rule and CRI Update

The details of State Farm's recent rate increase in Ohio are included in the final printed manual pages and CRI variable changes. Separate CRI information for renters, condos and homeowners is also contained in the filings.

This has been one of the most asked about filings this year. Make sure to include it in your Competitive Intelligence analyses!

RFC Number(s): OHP22908, OHP22841

Date First Appeared: 01/22/2008

State Farm Easing Down Rates in Southwest Region and Mississippi

State Farm has filed for moderate rate decreases in Arizona, Nevada and Mississippi.

In Nevada State Farm Mutual revised several rates and rules including BIPD liability, medical payments, and comprehensive coverages resulting in a 3.1% rate decrease. Also changed were rates for antiques, classics, motor homes and motorcycles. State Farm Fire & Casualty Company filed similar changes with an overall rate decrease of 1.9%

In Arizona, State Farm Mutual and State Farm Fire & Casualty filed CRI revisions that resulted in small rate decreases of 0.3% and 0.2%.

State Farm Mutual and State Farm Fire & Casualty in MIssissippi filed revisions for 3.6% and 4% respectively. In addition to the rate decrease, the Good Student discount and Inexperienced Driver charge are also both changing.

RFC Number(s): MSP20639, MSP20640, AZP24842, AZP24843, NVP21868, NVP21872, AZP24760, NVP21910, NVP21914

Date First Appeared: 01/17/2008

Hybrid Discount and Credit Updates

Since our last Hybrid discount and credit HotFiling alert, a few more filings have come in that have been in high demand.

In California, Berkshire/GEICO has gotten approval for a hybrid discount. The rate filings, class plan and all additional correspondences are available for immediate download and viewing.

In Connecticut and North Carolina St. Paul/Travelers has filed for hybrid credits for 8% and 10%.

In Vermont, Co-Operative Insurance Companies filed for a credit of 5%.

In Wisconsin, SECURA Insurance, a Mutual Company filed for a 5% discount.

For details regarding which coverage the discounts are applied, please see the individual filings.

Note: Premier Access users - please go to the Premier Search engine and enter CAP14828, CAP14829, CAP14830, CAP14831, CAP14837, CAP14837, CAP15050, CAP15052, CAP15053, CAP15055, CAP15449, CAP15450, CAP15451, CAP15452, CAP15454, CAP15458, CAP15459, CAP15461, CAP15462, CAP15463, CAP15464, CAP15467, CAP15468, CAP15551, CAP15563, NCP20884, VTP21403, CTP21419, WIP21764 in the RFC field to view the full Premier Search results.

Looking for more info regarding Hybrid discounts and credits Visit PK Forums at www.perrknight.com/pkforums

RFC Number(s): CAP15450, CAP14829, CAP15563, CAP15551, CAP15468, CAP15467, CAP15464, CAP15463, CAP15462, CAP15461, CAP15459, CAP15458, CAP15454, CAP15452, CAP15451, CAP15449, CAP15055, CAP15053, CAP15052, CAP15050, CAP14837, CAP14837, CAP14831, CAP14830, CAP14828, WIP21764, VTP21403, NCP20884, CTP21419

Date First Appeared: 01/15/2008

Progressive West and Progressive Advanced Increase Auto Rates in CA

Progressive filed to increase their base rates for Progressive West and Progressive Advanced (formerly Home) Insurance Companies. The overall effect of these filings will be an increase in our premium level of 6.7% in Liability, and 3.0% in Physical Damage.

These filings also include the group programs, Business and Professional Association Members and Emergency Roadside Assistance Club Members.

The proposed effective date for these changes is March 1, 2008.

RFC Number(s): CAP15851

Date First Appeared: 01/10/2008

Distinct Choice Update - Filing Ready in Connecticut

The Farmers Distinct Choice filing is now available in Connecticut.

Distinct Choice customizes rates for a broader range of customers and features a complex number of rating combinations. Rating is based on such variable factors as time elapsed between violations and household structure. Numerous discount and customization options are also available. Included in the rate and rule filings are the complete set of rates and rules, including all factors, the rate order of calculation and symbols.

Filings will be available in the next few weeks for Maryland and Mississippi, please check back for updates, or email tech@perrknight.com with any questions.

Note: Premier Access users - please go to the Premier Search engine and enter CTP21093 in the RFC field to view the full Premier Search results.

RFC Number(s): CTP21093

Date First Appeared: 01/08/2008

Car Insurance By the Mile

Milemeter is a new Texas-based startup selling car insurance by the mile.

Insurance is sold in increments as small as 1000 miles and as large as 6000 miles. There is no bulk discount everything is charged by the mile. The cost per mile is dependent on geography, driver's age, vehicle and coverage level. The miles expire after 6 months (required re-insurers; they hope to get rid of the expiration in time).

Milemeter does not require any sort of tracking system. They get an odometer reading from you when you sign-up. The insurance card will expire when the vehicle hits a certain mileage.

The base cost per mile is determined by three factors: geography, driver's age and the vehicle. Milemeter does not factor genderinto their pricing. This has earned them public support from NOW. Milemeter's approach assumes that insurance just comes down to how many miles a person drives.

RFC Number(s): TXP21671

Date First Appeared: 01/08/2008

Progressive Ratchets up New York Auto Rates

Progressive Northeastern Insurance Company, Progressive Northern Insurance Company and Progressive Northwestern Insurance Company all filed to raise their personal auto rates in New York.

The goal of this filing is to bring the current rate levels for the Personal Injury Protection, Residual Bodily Injury, and Property Damage coverages more closely into line with indicated rate needs. The changes contained in this filing include Base Rates (Exhibit RT-1a) and Limit/Deductible Factors (Exhibit RT-1b).

In addition to the rate changes, three new discounts are included which will offset the rate changes for certain existing policies. The Minor Child, Electronic Funds Transfer (EFT), and Multi-Policy are 5% discounts for the coverages to which they apply, as defined in the attached Rating Factor and Rating Rule Changes (Exhibit EXP-9, Rules 17.P, 17.Q, and 17.R).

The effective date for this filing is December 7, 2007.

Note: Premier Access users - please go to the Premier Search engine and enter NYP23402 in the RFC field to view the full Premier Search results.

RFC Number(s):

Date First Appeared: 01/04/2008

Distinct Choice Auto Filings Available in Pennsylvania, Kentucky, Maine and Vermont

Farmers is launching its new Distinct Choice PPA program in Pennsylvania, Kentucky, Maine and Vermont. The program is being sold through independent agents.

Distinct Choice customizes rates for a broader range of customers and features a complex number of rating combinations. Rating is based on such variable factors as time elapsed between violations and household structure. Numerous discount and customization options are also available. Included in the rate and rule filings are the complete set of rates and rules, including all factors, the rate order of calculation and symbols.

Filings will be available in the next few weeks for Maryland and Mississippi, please check back for updates, or email tech@perrknight.com with any questions.

Note: Premier Access users - please go to the Premier Search engine and enter MEP21762,KYP22601,MEP21673,VTP21329,VTP21328,PAP28695,PAP29434,PAP29157,PAP28903,PAP00883 in the RFC field to view the full Premier Search results.

RFC Number(s): MEP21762, KYP22601, MEP21673, VTP21329, VTP21328, PAP28695, PAP29434, PAP29157, PAP28903, PAP883

Date First Appeared: 12/27/2007

California Workers Compensation 2008 Rate Filings Are Here

To view a list of all the filings available, please click on the Search tab at the top of the page, and enter Workers Compensation as the Coverage option, NB Eff From Date of 01/01/2008, Workers Compensation as the LOB and Rate as the File Type.

CAW02809 - AmGUARD Insurance Company, EastGUARD Insurance Company, NorGUARD Insurance Company
CAW02808 - NOVA Casualty Company
CAW02807 - Graphic Arts Mutual Insurance Company, Utica Mutual Insurance Company
CAW02806 - American Employers Insurance Company
CAW02805 - Alaska National Insurance Company
CAW02803 - American Automobile Insurance Company, American Insurance Company, Associated Indemnity Corporation, Fireman's Fund Insurance Company, National Surety Corporation
CAW02802 - NIPPONKOA Insurance Company, Ltd.
CAW02799 - Hanover Insurance Company
CAW02797 - Lincoln General Insurance Company
CAW02796 - Employers Direct Insurance Company, Employers Direct Insurance Company
CAW02795 - Federated Rural Electric Insurance Corporation
CAW02794 - American Interstate Insurance Company
CAW02793 - Tower Insurance Company of New York
CAW02791 - Great American Alliance Insurance Company, Great American Assurance Company, Great American Insurance Company, Great American Insurance Company of New York
CAW02789 - American Casualty Company of Reading, PA, Continental Casualty Company, Continental Insurance Company, National Fire Insurance Company of Hartford, Transportation Insurance Company, Valley Forge Insurance Company
CAW02788 - Great Divide Insurance Company
CAW02783 - Electric Insurance Company
CAW02781 - California Insurance Company
CAW02779 - Preferred Employers Insurance Company
CAW02778 - National Interstate Insurance Company
CAW02777 - CompWest Insurance Company
CAW02775 - Cypress Insurance Company
CAW02775 - Oak River Insurance Company
CAW02774 - Transguard Insurance Company of America Inc
CAW02772 - Insurance Company of the West
CAW02771 - Explorer Insurance Company
CAW02767 - Ulico Casualty Company
CAW02766 - Preferred Professional Insurance Company
CAW02765 - American Economy Insurance Company, American States Insurance Company, American States Insurance Company of Texas, First National Insurance Company of America
CAW02759 - Redwood Fire & Casualty Insurance Company
CAW02757 - Old Republic Insurance Company
CAW02756 - Old Republic General Insurance Corporation
CAW02755 - Florists' Mutual Insurance Company
CAW02754 - Advantage Workers Compensation Insurance Company
CAW02751 - Bancinsure, Inc
CAW02728 - State Compensation Insurance Fund
CAW02725 - SeaBright Insurance Company
CAW02716 - Tower Insurance Company of New York
CAW02711 - Advantage Workers Compensation Insurance Company

If you are interested in having complete access to all the new California Workers Compensation filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all California Workers Compensation filings going forward for a flat annual fee.

RFC Number(s):

Date First Appeared: 12/20/2007

Travelers Revamps MasterPac Program in Massachusetts - Discounted Document Price!

Travelers has lowered rates for its MasterPac program in Massachusetts by 6.0% effective February 1, 2008.

Modifications to the Class of Business (COB) Factors will be applied to published manual rates and will result in rate levels which better reflect the expected experience of individual classes of business and deductible factors.

The following classes of Pacs will be affected:
• Apartment
• Building
• Business
• Condominium
• Contractors
• Garage
• Manufacturers
• Office
• Religious
• Restaurant
• Store
• Tech Manufacturers
• Tech Office
• Wholesalers

The effective date for this filing is February 1, 2008.

This is a rate only filing with no companion forms being submitted. Existing forms will continue to be used.

Perr&Knight is pleased to announce a discount rate of $640 for Premier Access subscribers ($728 for Basic Users). The 1,452 page filing is being discounted almost 60% off the standard document price. (Discount will appear automatically in the shopping cart)

Note: Premier Access users - please go to the Premier Search engine and enter MAC02260 in the RFC field to view the full Premier Search results.

RFC Number(s): MAC2260

Date First Appeared: 12/18/2007

MA PPA Filers Updating Rates and Rules

Perr&Knight now has updates to companies that previously filed to PPA programs in conjunction with Massachusetts' new regulations. Arbella, Amica, Encompass, Electric and Citizens have all submitted revisions to their initial filings.

Massachusetts has made important regulatory changes concerning their personal auto rates. The changes will affect all PPA programs, and are outlined in the regulations at the link below.

Click Here to view new MA regulations

If you are interested in having complete access to all the new Massachusetts personal auto filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all Massachusetts personal auto filings going forward for a flat annual fee.

Note: Premier Access users - please go to the Premier Search engine and enter MAP20561,MAP20560,MAP20559,MAP20557,MAP20558 in the RFC field to view the full Premier Search results.

RFC Number(s): MAP20561, MAP20560, MAP20559, MAP20557, MAP20558

Date First Appeared: 12/13/2007

Mid-Century Files Class Plan and Rate Change For CA PPA

CAP15729 is the rate filing proposing an overall rate change of +6.5% to the Private Passenger Auto program.

CAP15726 is the class plan filed in conjunction with the rate filing. Class plan changes include:

• Relativities for all rating variables shown in Exhibit 5.
• Revise pleasure use for Bodily Injury/Property Damage.
• Introduce an Electronic Stability Control Discount for Collision coverage.
• Revise mileage relativities for Bodily Injury and Medical coverages.
• Add new zip codes and revise frequency and severity band assignments.
• Revise relativities for Marital Status, Years of Driving Experience, and Gender
variables by coverage.
• Update model year factors.

Note: Premier Access users - please go to the Premier Search engine and enter CAP15726 CAP15729 in the RFC field to view the full Premier Search results.

RFC Number(s): CAP15729, CAP15726

Date First Appeared: 12/03/2007

Colorado DOI Requires Non-Stack Coverage for UM - First Set of Filings Now Available

A new auto insurance law in Colorado requires companies to use non-stack coverage for uninsured motorist (UM) protection if coverage is afforded at the policy level.

Farmer's Alliance Mutual submitted their changes, including 10.6% decrease in rates in COP22386. American Reliable submitted their changes with no rate impact in COP22385. American Banker's Insurance is filing their changes with no rate impact in COP22384.

Perr&Knight will continue to gather Colorado PPA filings that reflect the new regulations and put them on ratefilings.com as soon as they are available.

Note: Premier Access users - please go to the Premier Search engine and enter COP22384 COP22385 COP22386 in the RFC field to view the full Premier Search results.

RFC Number(s): COP22384, COP22385, COP22386

Date First Appeared: 12/03/2007

State Farm Homeowners Raises Rates 9.1% in Missouri

State Farm Fire & Casualty raises their rates 9.1% with this filing. Included in the document is a complete set of supporting exhibits, zone definitions, discounts, surcharges and all relevant program rules.

Among the changes are:

• Zone/Subzones are revised.
• Basic premiums are revised.
• Customer Rating Index - Minimum factor revised to .800 for Homeowners and Condominiums and .700 for Renters.
• Home/Auto Discount increased to 20%.
• Deductible adjustments are revised.
• Minimum premium is increased to $200 for Homeowners and to $100 for Renters and Unitowners.
• Optional Coverages Premiums for Optional Coverages are revised.
• Earthquake Introduced - Zone 1. Introduced 15% and 20% deductibles. 2% and 5%
deductibles will not be available in Zones 1, 2 and 3. Eliminated the 2% deductible in Zones 4 and 5. Policies in Zones 1, 2, & 3 converted to the 20% deductible with an offer to buy back to 10%. Policies in Zones 4 & 5 will be converted to the 10% deductible with an offer to buy back to 5%. The year built charge will now also apply to Frame dwellings. The charge will now vary by construction.

Note: Premier Access users - please go to the Premier Search engine and enter MOP21815 in the RFC field to view the full Premier Search results.

RFC Number(s): MOP21815

Date First Appeared: 11/30/2007

USAA Drops Homeowners Rates in Georgia 2.4%

The proposed changes include revising the Unity Premium and Territory Relativities for owners and unit-owners. Affecting owners only are revisions to the Deductible Relativities, the Protection/Construction factors, the Amount of Insurance Curve, and the Preferred Protection Plan Form 9 surcharge factor. Affecting unit-owners only is the revision to the Minimum Premium. Included are exhibits supporting these revisions.

An effective date of December 31, 2007 will apply to all policies.

Note: Premier Access users - please go to the Premier Search engine and enter GAP21380 in the RFC field to view the full Premier Search results.

RFC Number(s): GAP21380

Date First Appeared: 11/27/2007

Filings Regarding the Implementation of the New Massachusetts Regulations Now Available

Perr&Knight now has all new PPA filings for Massachusetts available for immediate download. Companies that have filed so far are:

• Amica
• Arbella
• Citizens (Hanover Group)
• Commerce
• Electric
• Encompass
• Farm Family
• Hanover (Motorcycle)
• Liberty Mutual
• Metropolitan
• NGM
• Norfolk and Dedham
• One Beacon
• Plymouth Rock
• Premier
• Quincy Mutual
• Safety
• USAA
• State Farm

If you are interested in having complete access to all the new Massachusetts personal auto filings for a flat rate, please contact Charles Pitts at (310) 230-9339 x176. We can also monitor, obtain and provide access to all Massachusetts personal auto filings going forward for a flat annual fee.

Massachusetts has made important regulatory changes concerning their personal auto rates. The changes will affect all PPA programs, and are outlined in the regulations at the link below.

Click Here to view new MA regulations

Note: Premier Access users, please click on the Premier Search tab and enter "MAP20555, MAP20555, MAP20554, MAP20553, MAP20552, MAP20551, MAP20550, MAP20549, MAP20548, MAP20547, MAP20546, MAP20545, MAP20544, MAP20543, MAP20542, MAP20541, MAP20540, MAP20539, MAP20538, MAP20537, MAP20536" in the RFC field.

RFC Number(s): MAP20536, MAP20537, MAP20538, MAP20539, MAP20540, MAP20541, MAP20542, MAP20543, MAP20544, MAP20545, MAP20546, MAP20547, MAP20548, MAP20549, MAP20550, MAP20551, MAP20555, MAP20555, MAP20554, MAP20553, MAP20552

Date First Appeared: 11/20/2007

GEICO Auto and Umbrella Updates in Pennsylvania

Perr&Knight has gotten many inquires recently regarding Berkshire Hathaway/GEICO's Pennsylvania Auto and Personal Umbrella business. Below are the recent relevant filings for the private passenger auto, motorcycle and personal umbrella programs.

Effective dates run from August 2006 to November 2007.

PAP27402 - Revised rates for BI, PD, UM/UIM. Various editorial revision to ppa rules. Revised territorial definition pages to include new territories.
PAP29354 - Revision of automobile amendment policy, uninsured motorist and other marked up pages. (Form only)
PAP29315 - Revision of certificate - interested party form. (Form only)
PAP28673 - Submission of hybrid discount, and new vehicle discount.
PAP28943 - Revision of effective date.
PAP28842 - Revision of manual pages with revised effective date.
PAP28711 - Revision of recreational vehicle coverage policy endorsement.
PAP28624 - Submission of a discount to policyholders that have an established business relationship with select commercial banking partners and are enrolled in the electronic funds transfer (EFT), e-bill, and e-policy programs.
PAP28618 - Revision of miscellaneous rules section, rate section, and exclusion territory pages.
PAP28526 - Revision of effective date for manual rules.
PAP28473 - Revision of base model rates and good driver discount rule.
PAP28414 - Submission of a new form: Policy Endorsement-Mobile Homes-Contents Only Endorsement and a withdrawal of the Policy Amendment and Coverage Selection Guide - Tort Option. (Form only)
PAP28197 - New and revised deviated symbols. Withdrawal of old deviated symbols.
PAP28106 - Introduction of several new coverages; vacation liability, replacement cost personal effects, emergency expense allowance, emergency roadside service and RV medical payments.

If you have any questions regarding these, or any other filings, please email tech@perrknight.com for assistance.

Premier Access users - please go to the Premier Search engine and enter PAP27402, PAP28106, PAP28197, PAP28414, PAP28473, PAP28526, PAP28618, PAP28624, PAP28673, PAP28711, PAP28842, PAP28943, PAP29315, PAP29354 in the RFC field to view the full Premier Search results.

RFC Number(s): PAP29354, PAP29315, PAP28943, PAP28842, PAP28711, PAP28673, PAP28624, PAP28618, PAP28526, PAP28473, PAP28414, PAP28197, PAP28106, PAP27402

Date First Appeared: 11/14/2007

Progressive Gets Big Rate Changes Approved for PPA, Motor Home and Travel Trailer in New York

Progressive has filed two important rate changes in New York - one for their Private Passenger Auto, the other for their Motor Home and Travel Trailer program. The PPA filing will increase rates approximately 7%, and the Motor Home/Travel Trailer filing will decrease rates significantly, depending on the individual company.


NYP23355 contains, among other things, a revision of limit and deductible factors for RBI and PIP line coverages. It is also introducing three new discounts. The filing was made in order to bring the current rate levels for the personal injury protection, residual bodily injury, and property damage coverages more closely into line with the indicated rate need


NYP2319 is a submission of a new vehicle use classification, discounts and surcharges. There is also a revision of territory definitions, multiple tiers, base rates, and rating factors.


NYP23219 is effective 08/03/07 and NYP23355 is effective 12/07/07.


Notes:
Premier Access users - please go to the Premier Search engine and enter NYP23355,NYP23219 in the RFC field to view the full Premier Search results.

RFC Number(s): NYP23219, NYP23355

Date First Appeared: 11/07/2007

SAFECO True Pricing in Nevada and Complete Underwriting Model in Ohio Available

Safeco has two more True Pricing filings available. The Ohio filing OHP22949 contains the complete new rates and rules for the True Pricing, including the complete underwriting model. The underwriting model contains 21 new variables and the new algorithms for customer placement.


The Nevada filing NVP21825 contains the complete set of updated rates and rules for the True Pricing program.

Notes:
OHP22949 is a very large filing, if you have trouble downloading it, please email tech@perrknight.com for assistance.
Premier Access users - please go to the Premier Search engine and enter OHP22949,NVP21825 in the RFC field to view the full Premier Search results.

RFC Number(s): NVP21825, OHP22949

Date First Appeared: 10/31/2007

Progressive Files Updated PPA Manual Pages in Virginia

Progressive has made some important changes to their Direct PPA program in Virginia. These filings include a complete set of the new rates and rules.

RFC Number(s): VAP21798, VAP21797, VAP21796

Date First Appeared: 10/25/2007

Nationwide Insurance Substantially Lowers Homeowners Rates in California

Nationwide Insurance Company of America has lowered Homeowners rates in California by 9.4%

These filings contain the rating changes as well as the manual pages and one rule revision for Nationwide's HO program in California.

Among the changes included are:
• Base Rate Revisions
• Home Purchase Discount ranging from 0-5%
• Age of Insured Rating Discount of 2%
• Multi-policy Discount of 5-10%
• Minimum Form Premium Increases
• Amount of Insurance curve revisions
• Revisions of Deductible Factors over $1,500
• HO-65 Coverage Limit increase
• Agent Manual revisions

These changes went into effect on October 2.
CAP15183 is the original filing requesting the rate decrease
CAP15373 is the accompanying manual pages
CAP15416 contains the revisions to the original filing

RFC Number(s): CAP15416, CAP15373, CAP15183

Date First Appeared: 10/02/2007

GEICO's Newest California Auto Rates

GEICO's new auto rates are ready for viewing, including the original submission, all additional correspondences and the approval letter from the DOI.

GEICO is lowering rates between two and 15 percent, depending on individual program. The rate/rule filing and class plan filings can all be downloaded.

The overall 10.8% rate reduction translates to $65.8 million in overall premium reduction. GEICO's filing meets the new CA DOI auto rating factor regulations, rewarding good drivers for their behavior.

RFC Number(s): CAP15465, CAP15466, CAP15467, CAP15468, CAP15468, CAP15464, CAP15463, CAP15462, CAP15461, CAP15460, CAP15459, CAP15458, CAP15456, CAP15454, CAP15453, CAP15452, CAP15451, CAP15450, CAP15449, CAP15303, CAP15055, CAP15054, CAP15053, CAP15052, CAP15051, CAP15050, CAP14925, CAP14837, CAP14834, CAP14831, CAP14830, CAP14829, CAP14828

Date First Appeared: 08/10/2007

Quantum Homeowners Filing Available in California

Travelers is introducing their Quantum Homeowners programto California, effective July 22, 2007. Included in this filing is their new contract, forms, coverages, rate and rule manuals, and the required state forms. The new Quantum program offers increased number of price points and new forms and coverages which are customer friendly and allow for easy customization of coverage.

RFC Number(s): CAP15181

Date First Appeared: 07/26/2007

USAA Files for Variance From New California HO rules

USAA files for a variance from the California Department of Insurance prior approval ratemaking formula. USAA submitted a 30% rate increase under the homeowners multi-peril line for the company’s Renters Program. Effective April 3, 2007, the DOI implemented new regulations relative to their prior approval ratemaking formula. USAA is the first company to submit a filing under these new regulations requesting a variance as set forth in Title 10, California Code of Regulations, Section 2644.27. Exhibit XV of the USAA rate filing contains the support for the company’s request for a variance.

RFC Number(s): CAP15415, CAP15417

Date First Appeared: 07/13/2007

NY Quantum, Florida No Fault, KY True Pricing

RFC Number(s): FLP30628, FLP30593, FLP29728, FLP30311, FLP30260, FLP30255, FLP30639, FLP30640, FLP30641, FLP30642, NYP23195, KYP22008, FLP30629

Date First Appeared: 06/28/2007

Farmers Introduces Next Generation Homeowners Product

Farmers is offering a new product called "Next Generation" which is designed to be flexible, giving an insured several coverage options to choose from rather than bundling them as a package.

The Next Generation Homeowners policy has been filed in 10 states:
- Arizona (NB 08/01/2006)
- Colorado (NB 12/01/2006)
- Illinois (NB 05/12/2007)
- Nevada (NB 02/01/2007)
- Tennessee (NB 08/01/2007)
- California (NB 06/16/2007)
- Kansas (NB 05/01/2007)
- New Mexico (NB 03/01/2007)
- Ohio (NB 03/01/2007)
- Minnesota (NB 03/01/2007)

RFC Number(s): TNP21124, OHP22398, NMP21350, MNP21394, KSP20532, ILP23846, COP22172, COP22171, COP22164, COP22097, COP22062, COP22061, COP22023, CAP14862, AZP24278, AZP24277, AZP24010, AZP23938

Date First Appeared: 06/21/2007

Safeco True Pricing Details in AZ

With this filing effective April 19, 2007 for new business and May 24, 2007 for renewal business, Safeco is introducing a new auto product, Safeco True Pricing for Auto. This new product is a significant change from the old product and as such, nearly all factors will be changing based upon
a multi-variate loss cost analysis. Additionally, Safeco is introducing a number of new rating variables and discounts. In addition to the introduction of the new product, rates are decreasing by 4.3%. Highlights of these changes include:
- Changing base rates
- Changing tier factors
- Changing driver class factors
- Changing limits and deductibles
- Changing territory factors
- Changing model year factors
- Changing symbol factors
- Changing policy, vehicle, and driver level discounts
- Changing vehicle usage surcharge amounts
- Changing merit surcharge amounts
- Changing our rating algorithm
- Changing merit point assignments to vary by the age of the incident and number of same
occurrences
- Varying driver class factors by policy tenure
- Adding a household structure factor
- Adding an IBS rating factor
- Adding a coverage discount
- Adding an advanced quoting discount

RFC Number(s): AZP24505

Date First Appeared: 06/07/2007

MSP HO filings

RFC Number(s): MSP20622, MSP20623, MSP20624, MSP20625, MSP20626

Date First Appeared: 06/07/2007

Safeco True Pricing filings available in Illinois and Michigan

Safeco launched the new version of their multi-variate pricing segmentation model called Safeco True pricing in March 2007.

The Illinois filing is effective March 8th, 2007 and the Michigan filing is effective April 5th, 2007.

RFC Number(s): ILP23805, MIP21053

Date First Appeared: 05/29/2007

New Private Passenger Auto Program in New Jersey

Liberty Mutual has entered the New Jersey Personal Auto Market, and their initial filing as well as two recent rule revisions are now available for download. The initial filing contains the entire rating manual, including territory definitions and policy forms.

The effective date for the program is February 19.

The writing company is Liberty Mutual Mid-Atlantic Insurance Company.

RFC Number(s): NJP23097, NJP23096, NJP23098

Date First Appeared: 05/10/2007

Progressive Drive Lowers Auto Insurance Rates and Changes Rating Algorithm in Indiana

Revision of proprietary algorithm, renewal increase rate cap, and method of calculation of driver's merit factor for drivers with a foreign license, submission of applicable financial responsibility rule, and underwriting tier re-evaluation rule, revision of method to apply vehicle symbols, and submission of S2005 series symbols, factors accompanying new symbols, S2005 symbols rule, rule regarding multi-policy discount, and rule regarding re-writing specified customers.

This filing includes a full copy of Progressive’s underwriting rules.

RFC Number(s): INP22338

Date First Appeared: 04/20/2007

21st Century Tierifies New York

NOTE: THIS IS AN UPDATED VERSION OF THE PREVIOUS 21st CENTURY NEW YORK FILING THAT WE OBTAINED.

21st Century Insurance Company enters the New York PPA market on April 21. This is the first New York filing to get approved with a full 60 tiers, each broken down in the filing. Also included in this filing are the program rules, including discounts, territory/zip assignments and the base rates and complete rate calculation formula.

The complete rate and rule manual is now available for download.

If you purchased the previous version of this filing - NYP23028 - please email tech@perrknight.com for a credit towards this filing.

RFC Number(s): NYP23098

Date First Appeared: 04/18/2007

Progressive Lowers Motorcycle Rates for Agency & Direct in PA

Progressive files for a 9.8% rate decrease to its motorcycle program in Pennsylvania. The rate decrease is the same for both Progressive Northern (Agency) and Progressive Direct (Direct). The filing completely replaces the rates and rules on file. Support for the proposed changes includes revised rules, and actuarial summary and rate detail by coverage. Changes include changing the rate cap, adding territories and revised rating factors based on experience.

RFC Number(s): PAP28368

Date First Appeared: 04/05/2007

State Farm Lowers Auto Rates in Ohio

State Farm is lowering their private passenger auto rates in Ohio by 8.8% This filing contains a complete manual.

State Farm has over 1.4 million policies in Ohio, and writes over $900 million in DWP.

RFC Number(s): OHP22306

Date First Appeared: 03/28/2007

Balboa's Countrywide Program Throws Hat into CA PPA Ring

Balboa Insurance Company is now open for PPA business in CA with the recent approval of its new program and class plan filings. Included in these filings is the introduction of Countrywide's Master plan, a new collection of optional packages. The filings contain a complete set of rates, rules, symbols and forms in accordance with California regulations.

RFC Number(s): CAP15059, CAP14904, CAP14903

Date First Appeared: 03/19/2007

Nationwide files first presumed factors in FL

Nationwide made the first presumed factor filing in FL. Earlier in the week, the FL OIR announced the requirement to file new presumed factors, and Nationwide was the first to file. This filing has not yet been approved by the FL OIR because it does not contain the backup documentation required by FL's new regulations. The DOI has not said whether or not the rate change is satisfactory. Rate changes were made to the hurricane side only, and the overall proposed decrease is -4.5%.

RFC Number(s): FLP29714

Date First Appeared: 03/09/2007

State Farm Files Possible Auto Rate Decrease in Florida

State Farm is filing a rate revision in response to the possible sunset of Florida no-fault law. Base rates, limits relativities and frequencies are all included in the document. The overall decrease for two filings combined is 16%, and the details are broken down within the filing. This filing would only be effective if the current no-fault system is not renewed.

RFC Number(s): FLP29575

Date First Appeared: 02/21/2007

State Farm Auto and Homeowners rate decrease/class plan filings now available

Homeowners - The homeowners filing is a response to the DOI's questions regarding: minimum deductible coverage effect, amount and deductible relativities, % deductible effect, and frequency, severity, pure premium data through June 2006; revised exhibit 1, and revised filing memorandum including revised overall rate changes.

Auto - The auto filing includes a revised overall rate reduction, proposed multiple line and persistency discount percentages, DSRRP rule, rules regarding accident forgiveness provision and responses to questions from DOI regarding: accident/conviction forgiveness rule, DRL reductions clear record, assignment of driver safety record level, definition of married, principal / occasional operators rule, and excess vehicles.

RFC Number(s): CAP14836, CAP14835, CAP14843, CAP14183, CAP14007, CAP14004, CAP14611, CAP14713

Date First Appeared: 01/30/2007

American Family Introduces Credit for Homeowners Product in IL, IA and AZ

American Family Mutual Insurance Company has introduced a "Customer Pricing Group" feature to its homeowners program. The new groupings use credit scoring to help price the premiums. The groupings were deveped with a multivariate analysis and create 40 new rate levels.

The credit scoring changes were filed as a revision to the existing program. Perr&Knight has three immediately available for download, and will continue searching for more.

It is now available in:
Illinois - effective 11/01/06
Iowa - effective 11/01/06
Arizona - effective 1/1/07

RFC Number(s): ILP23423, IAP21102, AZP24084

Date First Appeared: 01/25/2007

Allstate CP / RR and the Progressive Choice (Direct) Rate Filings Now Available

These are the last of the top 10 writers to file. There are 5 filings available covering rate and class plan revision for Allstate Indemnity Company, Allstate Insurance Company, Allstate Property & Casualty Insurance Company, and Progressive Choice Insurance Company.

CAP14427 - Progressive Choice's rate revision.
CAP14428 - Allstate P&C's class plan revision to change Years Licensed Factor, Marital Classification Factor, Frequency Rating Bands, and to update the Good Driver Rule.
CAP14429 - Allstate P&C's base rate revision.
CAP14430 - Allstate & Allstate Indemnity's base rate revision.
CAP14431 - Allstate & Allstate Indemnity's class plan revision to change the High-Value Vehicle PGS Adjustment Factor, Deductible by PGS Tables, Years Licensed Factors, Marital Classification Factor, Gender Classification Factor, Frequency Rating Bands, Multiple Policy Discount, Multiple Vehicle Rating Factor, territorial definitions, and Good Driver definition and introduction of a new driving record rating plan.

RFC Number(s): CAP14431, CAP14430, CAP14429, CAP14428, CAP14427

Date First Appeared: 10/18/2006

First Allstate's Your Choice Homeowners Filing Available

This Idaho filing contains the first publicly available information on Allstate's Your Choice Homeowner program. Included are:

- Modified version of the Insurance Scoring Model
- Introduction of Allstate Your Choice Home Insurance option packages through bundling of current coverages or introduction of new coverages that target specific customer needs.
- New rating plan
- New roof rating, the partially renovated home discount
- Expanded home buyer discount
- Associated forms (separate filing # IDP20390)

RFC Number(s): IDP20390, IDP20389

Date First Appeared: 09/20/2006

GEICO Files Auto Rates to Comply With California Regulations

GEICO became the most recent company to file rates and class plans to comply with the current territory regulations. There are 22 filings available, covering all GEICO companies that write personal auto in California.

These filings contains all the new rating factors including safety record, annual mileage, years of driving experience, marital status, gender and use.

Other proposed changes include the introduction of a five year good driver discount, good student discount, additional anti theft categories, passive restraint discount, vehicle liability rating factors to all vehicles beginning with model year 2008, and rental reimbursement coverage. Changes have also been made to physical damage base model year from 1999 to 2005, varying persistency discount by policy term, increasing limit factors for bodily injury, increasing limit deductibles for comprehensive and collision etc.

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Our consultant is at the CA DOI daily and will make them available to us upon submission. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

RFC Number(s): CAP14094, CAP14093, CAP14092, CAP14091, CAP14090, CAP14089, CAP14088, CAP14087, CAP14085, CAP14084, CAP14083, CAP14082, CAP14081, CAP14080, CAP14079, CAP14078, CAP14077, CAP14076, CAP14075, CAP14074, CAP14073

Date First Appeared: 09/06/2006

Allstate's New CA Homeowners Rate Plan Seeks First Increase in Three Years

Allstate Insurance Company filed its new rating plan for homeowners insurance designed to more accurately reflect the capital required to write in California. The filing aims to increase rates by an average of 12.2%, or an estimated $96 million in annual premium. The company's first rate increase in more than three years will average out to about $107 per policy

The filing contains:
- Provisions to incorporate the net cost of two reinsurance contracts into the rates
- Loss recoveries which have been adjusted by Allstate to account for loss adjustment expenses and demand surge
- A provision for expected costs to Allstate regarding the California Earthquake Authority.

RFC Number(s): CAP14103

Date First Appeared: 09/06/2006

CSAA Becomes the Fourth Major California Auto Insurer to File For Compliance With New Regulations

This filing designed to comply with all California regulations. Correction of non-compliance for all optional factors, weights for combined rating factors calculated for each separate rating component. Also includes discount associated with AAA DriveSync safety device.

CAP14005 is the class plan
CAP14006 is the rate filing

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Our consultant is at the CA DOI daily and will make them available to us upon submission. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

RFC Number(s): CAP14006, CAP14005

Date First Appeared: 08/21/2006

Safeco Introduces Optimum Package Coverages in Colorado

With this filing, Safeco's auto program introduces two new optional coverages:

Safeco Optimum Package, rated at 20% of of the collision coverage premium, and
New Vehicle Replacement, rated at 5% of the collision coverage premium

In addition, they have combined the two existing coverages, Electronic Equipment and Special Equipment under Audio, Visual and Customized Equipment coverage at no additional charge.

The filing also introduces the Optimum Package at the same rate relationship for Recreational Vehicles.

COP21768 is the product guide for this filing.

RFC Number(s): COP21768, COP21769

Date First Appeared: 08/21/2006

State Farm Becomes Third California Carrier to Implement New Rates

CAP14007 is the class plan filing for State Farm's latest changes. The filing includes a sequential analysis of rating factors, proposed rating relativities for rating factors, miscellaneous coverages and impact to policyholders' premiums.

California's largest automobile insurance company said Wednesday that it planned to cut premiums an average of 8% for almost all of its 3 million customers and begin setting rates mostly based on a motorist's driving record.

State Farm Mutual Automobile Insurance Co., which has 12.8% of the market, said it would abandon its opposition to new state regulations and would comply today.

CAP14004 is the rate filing for State Farm's latest changes. Perr&Knight expects to have the class plan filing within the next few days. Please check the HotFilings page for any updates.

Perr&Knight is monitoring all Personal Auto filings as companies look to come into compliance with the new regulations. Please check back on the HotFilings page often, as we will be adding filings as soon as they are made public. Please feel free to contact tech@perrknight.com with any questions.

USAA Becomes Second California Company to Comply With New Regulations - Additional filings now available

USAA, the state’s 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendi’s Good Driver Auto Insurance Reforms while also lowering rates for its policyholders.

The companion rate and rule filings for USAA's class plan filing are now available: CAP13978, CAP13979, and CAP13980.

- Revision of base rates, increased limit rates, Waiver of Collision Deductible rate, territory relativities, multi-policy discount, persistent discount, and class factors.
- Introduction of two new optional rating variables.
- Other rating variable changes.

Pleae note, yesterday we erroneously cited an overall 8% decrease for USAA. The average decrease is 5.1%.

RFC Number(s): CAP13978, CAP13979, CAP13980

Date First Appeared: 08/11/2006

USAA Becomes Second California Company to Comply With New Regulations

USAA, the state’s 9th largest auto insurer, joins the Auto Club of Southern California in voluntarily agreeing to adopt Garamendi’s Good Driver Auto Insurance Reforms while also lowering rates for its policyholders

USAA's 5.1% decrease in premium rates for policyholders, a move that coincides with the company’s decision to implement the Good Driver Auto Insurance Reforms.

CAP13977 is USAA's class plan filing and includes all of the company's changes to be in compliance with the new regulations.

RFC Number(s): CAP13977

Date First Appeared: 08/10/2006

Safeco's New PPA Program Allows Multiple Customer Customization Options - Now Available in Multiple States

Filings for Safeco's newest auto program are now available on www.ratefilings.com in five states - Maryland, Michigan, Ohio, South Carolina and West Virginia. We expect to be adding more states in the near future, including Alabama, Colorado, Illinois, Indiana and Oregon.

The new Safeco Auto Policy is a simple, straightforward offering designed to cover the needs of typical drivers -- including coverage of manufacturer-installed audio/video equipment and children's car-seat replacement. Safeco also is including a series of additional coverages customers can select to create a policy that best matches their needs -- such as purchase-price replacement for totaled new cars or loan-and-lease coverage for outstanding bank notes on totaled vehicles.

A Safeco Auto Policy now covers a broader group of customers. For instance, domestic partners and civil-union partners can now be identified as "insureds."

A new endorsement offering, the Safeco Optimum Package(TM), includes eight bundled coverages aimed at rewarding safe driving and providing extra protection for emergencies, repairs and personal property:

-- Diminishing deductible (Reduces collision deductible by $50 every six months, up to $500, as long as the customer has no at-fault accidents)
-- Electronic lock, ignition and key replacement deductible waiver
-- Emergency expenses
-- Personal property coverage
-- Waiver of adjustment for depreciation
-- Uninsured motorist property damage deductible waiver
-- Worldwide rental car physical damage coverage
-- Non-owned trailer coverage
-- increased limits

The entire package is available to customers for as little as $5 a month.

The new auto policy is available today in 14 states, and by year end is expected to be introduced in all 44 states where the company offers personal auto products. The 14 states are: Alabama, Colorado, Idaho, Illinois, Indiana, Iowa, Michigan, Missouri, Nebraska, North Dakota, Ohio, Oregon, South Dakota and Utah.

RFC Number(s): SCP21545, WVP20818, MDP21609, MIP20897, IDP20379, OHP21913

Date First Appeared: 07/24/2006

The Hanover Insurance Group Launches Popular Connections Auto Product in New Hampshire, New Jersey

Filings for The Hanover Insurance Group's popular Connections(TM) Auto product is are now available in Florida and Michigan.

Connections Auto, a state-of-the-art, multi-variate auto product with nearly limitless customer segmentation capabilities, has driven private passenger automobile new business growth of more than 150 percent, and is now available in 12 states including Connecticut, Florida, Illinois, Indiana, Louisiana, Maine, Michigan, New Hampshire, New Jersey, New York, Tennessee and Virginia.

RFC Number(s): FLP27484, FLP28263, ILP22776, MIP20840

Date First Appeared: 07/24/2006

Auto Club's New California Rate Filing and Class Plan -- Discounted Download Rate Available!

Nearly 1 million policyholders in both rural and urban areas will see an average annual decrease of $134.

Insurance Commissioner John Garamendi today announced he intends to approve a 7% decrease in premium rates for policyholders of the Automobile Club of Southern California. The requested decrease coincides with the Auto Club’s decision to implement the Commissioner’s proposed regulations on the fair pricing of auto insurance.

“In 1988 voters approved Proposition 103 and demanded that prices be based primarily on how safely you drive, and not where you live,” said Commissioner Garamendi. “Thanks to the Auto Club’s action nearly 1 million drivers will realize that wish, along with an average annual decrease in their premiums of $134. And, contrary to what many in the insurance industry have claimed, this clearly demonstrates that compliance with the proposed regulations does not necessitate rate increases. I commend the Auto Club for its good work on behalf of policyholders.”

Although the regulations are pending before the state’s Office of Administrative Law, the Auto Club has been actively working with the Department and providing input on early implementation.

“We want to thank the Commissioner for deciding to approve our rate decrease so quickly and we are pleased to be in compliance with his proposed new regulations, “ said Thomas V. McKernan, president and CEO of the Auto Club. “This means that our policyholders will be receiving more than $133 million in savings, another step in our ongoing commitment to reduce the cost of insurance.”

Today’s announcement significantly advances the Commissioner’s ongoing efforts to compel insurers to comply with voter-approved Proposition 103. Due to the actions of former Commissioner Chuck Quackenbush, insurers have avoided compliance with the law’s provisions calling for rates to be based primarily on three mandatory factors - driving record, driving experience, and number of miles driven. Instead, thanks to the Quackenbush system, insurers have been allowed to give more importance to other factors, such as marital status, gender, and most frequently, Zip code.

This system permitted insurers to charge widely varying rates to identical drivers living across the street from one another, based solely on their respective Zip codes. “The current system hurts good drivers who are penalized simply because they live in the wrong Zip code,” said Commissioner Garamendi. “My new regulations will reward good drivers regardless of where they live. I commend the Auto Club for its proactive efforts on behalf of policyholders, and I urge other insurers to follow suit.”

The Department has revised the regulations since their introduction last year. Recognizing the concerns of drivers across the state, the Commissioner’s changes ensure that risk of loss is appropriately represented in the rating factors.

Additionally, insurers will be given two years to fully comply with the new standards, though they must show significant progress towards meeting the goal during the first year after implementation of the regulations.

--------------------------------

There are five total filings (four rate filings and one class plan). For those clients who do not already have this filing included as part of their subscription, we're pleased to offer two discount options:

1) Purchase the class plan and all four rate filings for a total price of $650 (Premiere Access subscribers) or $750 (Basic Access users). DISCOUNT CODE: RF071206A

- or -

2) Purchase one of the rate filings at regular price and get all four rate filings. DISCOUNT CODE: RF071206B

To take advantage of either of these two offers, please follow the normal purchasing procedure, then send an email to tech@perrknight.com with the discount code in the subject line (nothing else needs to be included in the email).

CAP13880 (DOI# 06-4391) - Primary rate filing

CAP13881 (DOI# 06-4389) - Scientists, Educators and Engineers rate filing

CAP13882 (DOI# 06-4390 - Lawyers rate filing

CAP13883 (DOI# 06-4392) - Class plan

CAP13884 (DOI# 06-4393) - Select Groups rate filing

RFC Number(s): CAP13884, CAP13883, CAP13882, CAP13881, CAP13880

Date First Appeared: 07/12/2006

Quantum Auto - Travelers Customizes Quantum PPA Programs Through Multi-Tiering and Insurance Scoring

Travelers Group is introducing Quantum Auto, a multi-tiered private passenger program, in Arizona, Arkansas, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Maryland, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Washington, and Wisconsin.

As member companies implement this new product, they are customizing it to their respective markets by deciding to either base it on driver class assignments or insurance scoring, creating rules to facilitate the transition from former private passenger programs, or developing a unique Quantum Auto rating plan altogether.

For example, in Tennessee, Arkansas, and Wisconsin, Travelers is introducing a Hybrid Electric Vehicle Discount in their Quantum Auto program.

Travelers Home & Marine and Travelers Commercial insurance companies in South Carolina; Travelers Home & Marine and Travelers Property Casualty in Ohio; and Consumers County Mutual in Texas will base their underwriting logic on rating variable interactions and driver class assignments. Specifically in Texas and Ohio, the programs are designed to increase the amount of price points to drivers. While in Ohio, Travelers is introducing a new writing company, In South Carolina, Travelers is submitting the Transaction Modification Rule to assist in transferring policyholders of former PPA programs, revising eligibility rules, and updating premiums for forms including Offer of Optional Additional Uninsured Motorist Coverage. Filings include Symbol and Identification pages, model year factors, supplemental rates, underwriting tier guidelines, driver points calculation, increased limit factors, primary classifications, base rates, driver and non-driver variables, deductibles, Declarations, forms, and endorsements.

Conversely, Travelers companies in Pennsylvania, Florida, Maryland, New Jersey, Nebraska, Connecticut, and Indiana are aiming to provide greater segmentation through multi-variant tables, underwriting tiers, broad insurance scoring ranges, and usage of driver averaging method instead of class assignment. In Florida, Travelers Commercial and Travelers Home & Marine are employing a new expense flattening methodology and implementing a rate level equivalent to First Floridian's and Travelers Indemnity's programs "Legacy" and "Travelers Auto." In Indiana, TravCo and Travelers Home & Marine are adopting the previously filed and approved Transition Modification Rule to convert 700 TravCo policies to the Quantum rating plan and correcting Miscellaneous Vehicle Adjustment Factors for boat/utility and camper trailers. Filings include eligibility rules, rating plans, credit scoring, pure premiums, expense allocation, proprietary and confidential information, and territory factors.

GAP20774 is a forms only filing.

RFC Number(s): WIP21013, MDP21631, VAP21295, VAP21297, WIP21063, WAP23090, OHP21599, NVP20731, NJP21192, NJP21222, NEP20289, NEP20288, MOP20909, MOP20907, MDP21513, MDP21512, GAP20774, CTP20742, CTP20741, COP21574, COP21700, AZP23311, AZP23577, ARP20767, RIP20355, SCP21105, SCP20957, SCP21222, SCP21223, OHP21599, TXP21100, TXP21101, TXP21102, TNP20881, FLP27687, INP20669, INP20670, INP20671, INP20672, PAP26705, PAP26634, ORP23053, ILP22374, SCP20973, TNP20876, NHP20777, NHP20819, RIP20357

Date First Appeared: 05/01/2006

Travelers Introduces Quantum Auto Private Passenger Program in New Hampshire and Rhode Island

Travelers Home & Marine Insurance Company and TravCo Insurance Company are introducing the multi-tiered Quantum Auto program in New Hampshire designed to provide greater segmentation of their private passenger auto product by utilizing multi-variant tables, multiple underwriting tiers, a broad range of Insurance Scores, and a driver averaging method versus the use of class assignment.

The companies are submitting their entirely new Personal Auto Manual, detailing the following rates and rules for the new Quantum program:

- Expense Allocation by Insurance Score Group
- Symbol and Identification pages
- Rating examples of risk factors
- General and eligibility rules
- Model year classifications
- Increased limits
- Territory relativities
- Base rates
- Driver and non-driver variables
- Longevity tables
- Driver points calculation

In Rhode Island, Travelers emphasizes that Quantum Auto broadens coverage by offering a substantial increase in price points, expanding eligibility rules for Driver Training Credit, and revising Account Credit factors.

In order to facilitate the transfer of existing policyholders in New Hampshire into Quantum's rating program, Travelers has introduced rating factors for Agency Book Transfers and supplemental rules including Transition Modification - New Program and Acquisition, Year of Conversion, and Annual Renewal rules. Whereas the Transition Modification - New Program rule's purpose is to reduce policyholder disruption that may result from their conversion into a new or different class plan; the Transition Modification - Acquisition rule is intended to protect the policyholder's conversion into Travelers' rating program in the event of a merger, acquisition, renewal rights, or large agent book transfer transaction.

RFC Number(s): RIP20355, NHP20819, NHP20777

Date First Appeared: 02/19/2006

State Farm Decreases PPA Rates and Increases Discounts in Texas

State Farm Fire & Casualty Company, State Farm Mutual Automobile Insurance Company, and State Farm County Mutual Insurance Company of Texas are revising discounts, minimum Customer Rating Index (CRI) factors, renewal models, and antiques & classic auto rates, resulting in a rate decrease for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Medical Payments, Comprehensive, and Collision coverages.

Revisions to Private Passenger Auto Classifications - Definitions rules reflect an increase in Multi-Car, Multiple Line, and Academic Achievement discounts. State Farm is expanding Multi-Car and Academic Achievement discounts to youthful drivers. They are also increasing the Multiple Line Discount for policyholder who also have a State Farm Personal Liability Umbrella Policy and a homeowners or farm/ranch policy.

The filings include the following:

- Revised Texas Rules and Rating Manual pages.
- Actual Underwriting Experience Before Policyholder Dividend exhibit.
- Antique and Classic Automobiles and Replicas Limited Use rate page.
- Age adjustment factors.
- Increased Limits Tables.
- Youthful Without Driver Training in Single Car Household rate page.

RFC Number(s): TXP21405, TXP21404, TXP21403

Date First Appeared: 01/01/2006

Progressive Commercial Auto in VA has Major Changes

This filing features the coordination of the transfer of Progressive Classic Insurance Company book to United Financial Casualty Company on renewal and includes:

- Renewal Rate Capping (RRC) section
- Revision of base rates
- Body Type/Use Class (BTU) factors
- Driver Class factors
- Collision and comprehensive deductible factors
- Fire & Theft deductible factors
- Liability Limit factors
- Hired Auto Limit factors
- Non-Owned Auto Limit factors
- UM/UIM Limit factors
- Territory factors and definitions
- Forms section
- Trend Data

RFC Number(s): VAC20204

Date First Appeared: 12/20/2005

State Farm Submits Unique Private Passenger Auto Rating Plan in Texas

State Farm Mutual Automobile Insurance Company and State Farm Mutual Automobile Insurance Company are making several rating plan revisions in response to Texas Senate Bill 14, which permits insurers to implement unique rating plans different from the previously prescribed plans of the Texas Department of Insurance.

Changes to the rating plan include converting physical damage symbols to State Farm Insurance Rating Groups (IRG) and current Texas program for limited use antiques to the State Farm rating program for antiques and classics; adjusting IRG, Annual Insurance Rating Group, Vehicle Safety Discount, and Liability Rating Groups; introducing State Amount and Non-Metal Discount rules; and customizing utility and sports vans IRG assignments.


Filings includes the following:

- Model year rating factors
- Insurance Rating Group relativities
- Credibility table
- Group definitions of vehicle classifications
- Revised rate and rule pages

Effective dates for the two filings are January 1 and 15, 2006.

RFC Number(s): TXP21089, TXP21088

Date First Appeared: 12/20/2005

Travelers Introduces New Quantum Auto in Oregon

Travelers Home and Marine Insurance Company and Travelers Commercial Insurance Company are introducing their Quantum Auto program in Oregon.

This new auto product offers a substantially increased amount of price points to Oregon drivers.

Quantum consists of multiple tiers, underwriting logic based on rating variable interactions and driver assignment logic, all of which is inductive to offering competitive rates to Oregon drivers.

Quantum's ability to rate customers and account for their many rating variable interactions leads to substantially more competitive rates for insureds than compared to a traditional underwriting program that places rating variable into large groups or simply decline the customer.

Additionally, Quantum's pricing sophistication allows for more precise pricing action when addressing future frequency and or severity of the program.

Enclosed with the Quantum filing package, is the necessary supporting documents, including:
- Base rates
- Territory relativities
- Bodily Injury and Property Damage Increased Limit Factors
- Driver age/years licensed, points, and prior insurance carrier pure premiums
- Expense allocation
- Longevity tables
- Symbol and identification pages
- Non driver variables
- Eligibility tier guidelines
- Complete new manual

This filing has a new business effective date of November 20, 2005.

RFC Number(s): ORP23053

Date First Appeared: 12/20/2005

November California Workers' Compensation Filings Now Available

November saw a flurry workers' compensation filing activity in California, including rate changes from the most popular companies.

Click the link below to see all the November filing activity, including documents from:

- State Compensation Insurance Fund
- Zenith Insurance Company
- Everest National Insurance Company
- 5 American International Group (AIG) companies
- Redwood Fire & Casualty Insurance Company and National Liability & Fire Insurance Company

RFC Number(s): CAW2180, CAW2179, CAW2178, CAW2177, CAW2176, CAW2175, CAW2174, CAW2173, CAW2172, CAW2171, CAW2170, CAW2169, CAW2168, CAW2167, CAW2166, CAW2165, CAW2164, CAW2163, CAW2162, CAW2161, CAW2160, CAW2159, CAW2158, CAW2157, CAW2156, CAW2155, CAW2154, CAW2153, CAW2152, CAW2151, CAW2150, CAW2149, CAW2148, CAW2147, CAW2146, CAW2145, CAW2144, CAW2143, CAW2142, CAW2141, CAW2140, CAW2139, CAW2138, CAW2137, CAW2136, CAW2135, CAW2134, CAW2133, CAW2132, CAW2131, CAW2130, CAW2129, CAW2128

Date First Appeared: 12/01/2005

Filing to Change California Personal Auto Persistency Discount Available

The Mercury Insurance Group's Mercury Insurance Company, Mercury Casualty Company and California Automobile Insurance Company, have submitted their newest class plan filing in order to comply with California's recent invalidation of SB 841 governing persistency discount rules.

The new filing is an application of changes to the frequency and rating bands designed to generate a revenue neutral class plan. Pertinent underwriting changes have also been made. The revised base rates are included.

RFC Number(s): CAP12962

Date First Appeared: 11/30/2005

Detailed State Farm Fire and Casualty Company Customer Rating Index (CRI) Information Available in Washington

WAP22955 is the filing with some of the most thorough CRI information in our document library. The filing contains detailed information on State Farm's Customer Rating Index (CRI) model that is rolling out countrywide. Included are details pertaining to the CRI model’s formulas and algorithms for new business. State Farm’s Age Based Rating in Washington is also introduced in this filing.

- Correspondences between Washington DOI and State Farm addressing questions about multi-variate analysis and implementation of certain CRI rules
- New business and internal model scaling and rescaling formulas, scoretables and variable model definitions
- Limitations of changes to customer CRI
- Explanation of simultaneous loss ration method
- Underwriting experience
- Age adjustment factors
- Multiple auto, good student and Steer Clear discount information
- Standard Tier Automobile Rating (STAR) plan

WAP22956 contains the same CRI formula information, but this State Farm Mutual Automobile Insurance Company filing also includes State Farm's symbols. The symbols are not included in the State Farm Fire and Casualty filing. WAP22956 is 987 pages, compared to the 197 page WAP22955 filing.

Both filings became effective August 15, 2005.

RFC Number(s): WAP22956, WAP22955

Date First Appeared: 11/09/2005

Infinity Introduces New Low Cost Nonstandard Private Passenger Auto Program in Virginia

The Infinity Select Insurance Company is introducing the Low Cost Nonstandard Private Passenger program. This new non-credit program is effective May 16, 2005 for new and renewal business.

The filing includes the following:

-Complete set of rules
-Revised forms list
-Rate calculation formula
-Base rates
-Competitive Pricing Form
-Driver class, vehicle rating territory, commission level, market, driver age point matrix, and driving points factors

RFC Number(s): VAP21063

Date First Appeared: 10/21/2005

AIG Modifies Private Passenger Auto 3.0 Discount Rules, Insurance Scoring, and Rating Factors

The AIG National Insurance Company is revising the rates and rules of their Private Passenger Auto 3.0 program to be effective September 28, 2005 for new business and October 28, 2005 for renewal business.

A revised rule page introduces the Advanced Quoting Discount to the Discounts and Surcharges rule and detailed rate calculation pages reflect modifications to the following rating criteria:

-Territory base rates
-Demerit Rating Plan
-Insurance Scoring/Ultimate Tier Assignment
-Rating sequence
-Electronic Funds Transfer (EFT) Installment Fee
-Increased limit, model year, vehicle symbol, driver class, driver point matrix, non-combination discount & surcharge, and tier factors

RFC Number(s): VAP21062

Date First Appeared: 10/21/2005

Progressive Writes PPA in New Jersey

New program - Introduction of base rates; tier, territory, deductible, trailer class, premium, Extended Medical Benefits, discount structure, limit, and driver class factors; surcharges and discounts; and manual which includes billing, driver, general, policy and vehicle rules; credit scoring algorithm; and forms including Buyer's Guide and Identification Card.

RFC Number(s): NJP21180

Date First Appeared: 10/13/2005

NJ DOI Approves Allstate New Jersey’s Your Choice Auto Program Filing

Rates/Rules: Allstate New Jersey submitted changes to the rates and rules related to “Your Choice Auto”. The filing includes revisions to the manual reflecting the introduction of the New Car Expanded Protection coverage; revisions include changes to Accident Waiver, and addition of New Car Expanded Protection rule, Safe Driving Deductible Reward rule, Safe Driving Bonus rule, and Allstate Your Choice Auto Insurance Option Packages rule.

Forms: Allstate New Jersey introduces forms for Your Choice Auto including the Introduction of Allstate New Jersey Value Plan Amendatory, and New Car Expanded Protection endorsements; Revision of Application, and Declaration Pages.

RFC Number(s): NJP21182, NJP21181

Date First Appeared: 10/13/2005