PRGS-130153944.pdf - Filing at a Glance

Filing at a Glance

Companies: Progressive Advanced Insurance CompanyProgressive Preferred Insurance CompanyProgressive Specialty Insurance Company

Product Name: PA 201503 (8.3)

State: Pennsylvania

TOI: 19.0 Personal Auto

Sub-TOI: 19.0001 Private Passenger Auto (PPA)

Filing Type: Rate/Rule

Date Submitted: 07/13/2015

SERFF Tr Num: PRGS-130153944

SERFF Status: Assigned

State Tr Num:

State Status: Received Review in Progress

Co Tr Num: PA 201503 (8.3)

Effective DateRequested (New):

12/18/2015

Effective DateRequested (Renewal):

01/27/2016

Author(s): Pa Direct Filer

Reviewer(s): Bojan Zorkic (primary), Michael McKenney

Disposition Date:

Disposition Status:

Effective Date (New):

Effective Date (Renewal):

State Filing Description:

SERFF Tracking #: PRGS-130153944 State Tracking #: Company Tracking #: PA 201503 (8.3)

State: Pennsylvania First Filing Company: Progressive Advanced Insurance Company, ...

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)


Project Name/Number: PA 201503 (8.3)/

PDF Pipeline for SERFF Tracking Number PRGS-130153944 Generated 07/17/2015 07:24 AM

General Information

Project Name: PA 201503 (8.3) Status of Filing in Domicile:

Project Number: Domicile Status Comments: Updates:1. UBI Tier Factor Tables2. Factor Support3. Policy Term 12 factor for Acquisition Expense changed to1.004. Added actuarial support in Excel format

Reference Organization: Reference Number:

Reference Title: Advisory Org. Circular:

Filing Status Changed: 07/14/2015

State Status Changed: 07/16/2015 Deemer Date:

Created By: Pa Direct Filer Submitted By: Pa Direct Filer

Corresponding Filing Tracking Number:

Filing Description:

July 13, 2015

Mr. Michael McKenney, ActuaryPennsylvania Insurance DepartmentProperty & Casualty Bureau1311 Strawberry SquareHarrisburg, PA 17120

Subject:Progressive Advanced Insurance CompanyProgressive Preferred Insurance CompanyProgressive Specialty Insurance CompanyPrivate Passenger Automobile Programs

Rates and Rules Filing Effective 12/18/2015 for New Business and 01/27/2016 for Renewal Business

Dear Mr. McKenney,

Enclosed is a revision to the companies listed above. Progressive is proposing rate changes of 2.6% for PPIC and PSICcombined and 1.6% for PAIC.

Should you have any questions regarding these changes, you can reach me at 440-395-7798. Thank you for your attention toour requested change.

Sincerely,

Drew PurcellProduct ManagerPhone: (440)[email protected]







Company and Contact

Filing Fees

State Specific

Filing Contact InformationDrew Purcell, Product Manager [email protected]

300 N. Commons Blvd

Mayfiled Village, OH 44143

440-395-7798 [Phone]

Filing Company InformationProgressive Advanced InsuranceCompany

6300 Wilson Mills Rd

Mayfield Village, OH 44143

(440) 461-5000 ext. [Phone]

CoCode: 11851

Group Code: 155

Group Name:

FEIN Number: 62-0484104

State of Domicile: Ohio

Company Type:

State ID Number:

Progressive Preferred InsuranceCompany

6300 Wilson Mills Road


(440) 461-5000 ext. [Phone]

CoCode: 37834

Group Code: 155

Group Name:



Company Type:

State ID Number:

Progressive Specialty InsuranceCompany

6300 Wilson Mills Road


(440) 461-5000 ext. [Phone]

CoCode: 32786

Group Code: 155

Group Name:



Company Type:

State ID Number:

Fee Required? Yes

Fee Amount: $150.00

Retaliatory? Yes

Fee Explanation: $50 per company

Per Company: Yes

Company Amount Date Processed Transaction #Progressive Advanced Insurance Company $50.00 07/13/2015 97476669Progressive Specialty Insurance Company $50.00 07/13/2015 97476941Progressive Preferred Insurance Company $50.00 07/13/2015 97476940

*Filing Fee Amount: 150*Date Filing Fee Mailed: n/a*Filing Fee Check Number: n/a*Filing Fee Check Date: n/a*NAIC Number: n/a







Correspondence Summary AmendmentsSchedule Schedule Item Name Created By Created On Date SubmittedRate Factors Pa Direct Filer 07/15/2015 07/16/2015SupportingDocument

Actuarial Explanatory Memorandum & Supporting Exhibits(PC)

Pa Direct Filer 07/15/2015 07/16/2015

SupportingDocument

Factor Support Pa Direct Filer 07/15/2015 07/16/2015







Amendment Letter

Submitted Date: 07/16/2015

Comments:

Updates:1. UBI Tier Factor Tables2. Factor Support3. Policy Term 12 factor for Acquisition Expense changed to 1.004. Added actuarial support in Excel format

Changed Items: No Form Schedule Items Changed.

Rate Schedule Item Changes

Item

No. Exhibit Name Rule # or Page # Rate Action

Previous State Filing Number

Date Submitted1 Factors Replacement 07/16/2015

By:Previous Version1 Factors Replacement 07/13/2015

By: Pa Direct Filer







Supporting Document Schedule Item ChangesSatisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:

Attachment(s):Actuarial_PA_AG_1503.pdfActuarial_PA_DI_1503.pdfActuarial_PA_1503.zip

Previous VersionSatisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:

Attachment(s): Actuarial_PA_AG_1503.pdfActuarial_PA_DI_1503.pdf

Satisfied - Item: Factor SupportComments:Attachment(s): Factor_Support_PA_1503_V2.zipPrevious VersionSatisfied - Item: Factor SupportComments:Attachment(s): Factor_Support_PA_1503.zip







Post Submission Update Request Processed On 07/15/2015

Status: Allowed

Created By: Pa Direct Filer

Processed By: Michael McKenney

Comments:

General Information:

Field Name Requested Change Prior Value

Domicile Status Comments Updates:1. UBI Tier Factor Tables2. Factor Support3. Policy Term 12 factor for AcquisitionExpense changed to 1.004. Added actuarial support in Excel format







Rate Information Rate data applies to filing.

Filing Method: Prior Approval

Rate Change Type: Increase

Overall Percentage of Last Rate Revision: 1.000%

Effective Date of Last Rate Revision: 04/24/2015

Filing Method of Last Filing: Prior Approval

Company Rate Information

Company

Name:

Overall %

Indicated

Change:

Overall %

Rate

Impact:

Written Premium

Change for

this Program:

Number of Policy

Holders Affected

for this Program:

Written

Premium for

this Program:

Maximum %

Change

(where req'd):

Minimum %

Change

(where req'd):Progressive AdvancedInsurance Company

1.300% 1.600% $3,762,455 159,539 $235,153,407 67.300% -22.200%

Progressive PreferredInsurance Company

2.900% 2.600% $973,403 20,378 $37,438,569 63.400% -10.600%

Progressive SpecialtyInsurance Company

2.900% 2.600% $7,368,921 167,658 $283,420,036 46.300% -13.700%







Rate/Rule Schedule

Item

No.

Schedule Item

Status Exhibit Name Rule # or Page # Rate Action

Previous State

Filing Number Attachments1 Factors Replacement Factors_PA_1503_V2_Part1.

pdfFactors_PA_1503_V2_Part2.pdfFactors_PA_1503_V2_Part3.pdfFactors_PA_1503_V2_Part4.pdf

2 Rate Order of Calculation(ROC)

Replacement ROC_PA_1503.pdf







Supporting Document Schedules Bypassed - Item: Authorization to File (PC)Bypass Reason: n/aAttachment(s):Item Status:Status Date:

Satisfied - Item: Actuarial Explanatory Memorandum & Supporting Exhibits (PC)Comments:

Attachment(s):Actuarial_PA_AG_1503.pdfActuarial_PA_DI_1503.pdfActuarial_PA_1503.zip

Item Status:Status Date:

Satisfied - Item: Factor SupportComments:Attachment(s): Factor_Support_PA_1503_V2.zipItem Status:Status Date:

Satisfied - Item: Data CallComments:

Attachment(s):

TR12_Dispersion_PA_1503.pdfDataCall_Part_3_PA_1503.zipDataCall_Part_4 _PA_1503.zipDataCall_Part_5_PA_1503.zipDataCall_Part_6_PA_1503.zip

Item Status:Status Date:

Satisfied - Item: Rules Changes OnlyComments:

Attachment(s):Rules_PAIC_Clean.pdfRules_PAIC_Redline.pdfRules_PPIC_PSIC_Clean.pdfRules_PPIC_PSIC_Redline.pdf

Item Status:







Status Date:

Satisfied - Item: Cover LetterComments:Attachment(s): CoverLetter_PA_1503.pdfItem Status:Status Date:

Satisfied - Item: Summary of ChangesComments:Attachment(s): Summary_of_Changes_PA_1503.pdfItem Status:Status Date:







Introduction

The enclosed exhibits present detail and justification for the rate revision of the

Insurance Company in the state of Pennsylvania.

Table of Contents

Item Exhibit Number

Proposed Rate Changes 1

Indication 2

Expenses 3

Loss Adjustment Expense 4

Trend 5 Combined Data for:

Progressive Casualty Insurance CompanyProgressive Northern Insurance CompanyProgressive Specialty Insurance CompanyProgressive Preferred Insurance Company

Current Rate Level 6

Loss Development Factors 7

Operations Expense 8

Pennsylvania Private Passenger Automobile

Progressive Preferred Insurance CompanyProgressive Specialty Insurance Company

Progressive Preferred Insurance Company and Progressive Specialty

Exhibit 1

We measured the rate changes by calculating rates for in-force policies under the current rating plans and determined the percent change in the rate totals for each coverage.

Coverage Rate Change

Bodily Injury (BI) 1.3%

Property Damage (PD) 2.1%

Uninsured Motorist Protection (UM) 11.0%

Underinsured Motorist Protection (UIM) -0.4%

First Party Benefits (FPB) 74.4%

Medical Payments (MED) 1.1%

Comprehensive (COMP) 1.2%

Collision (COLL) 3.9%

Loan Payoff Protection (LOAN) 1.3%

Rental Reimbursement (RENT) -0.2%

Roadside Assistance 45.9%

Additional Custom Parts & Equip (ACPE) 1.4%

Operations Expense -2.3%

Overall 2.6%

Proposed Rate Changes



Exhibit 2Progressive Preferred Insurance CompanyProgressive Specialty Insurance Company

Pennsylvania Private Passenger AutomobileDetermination of Statewide Rate Level Changes

Accident Incurred Loss LAE Trended & Ultimate Budgetary Complement Cred WtdYear Earned CRL EP Trend Trended Incurred Incurred Developed Trend Trend Developed Loss & LAE Loss & LAE Indicated Selected # of Credibility to Indicated Selected

Coverage Ending Premium Factor Factor EP @ CRL Losses LDF Losses LAE Factor Factor Loss & LAE Ratio Ratio Change Weights Features1 SFC2Percent Credibility Change Change

BI Apr-13 54,759,125 1.119 0.897 55,182,317 32,818,373 0.992 32,557,043 11,738,252 0.871 1.000 40,091,771 72.7% 77.6% -6.4% 0.0%Apr-14 56,049,644 1.055 0.926 54,941,435 32,426,434 1.042 33,803,832 12,013,865 0.924 1.000 43,259,337 78.7% 77.6% 1.5% 49.1%Apr-15 59,360,234 1.008 0.956 57,370,383 28,411,283 1.182 33,588,773 12,208,429 0.981 1.000 45,159,869 78.7% 77.6% 1.4% 50.9%TOTAL 170,169,003 1.059 0.926 167,494,136 93,656,089 1.067 99,949,648 35,960,546 0.926 1.000 128,510,977 78.7% 77.6% 1.5% 6,647 6,317 100.0% 3.4% 1.5% 1.3%

PD Apr-13 61,385,411 1.206 0.978 72,588,246 46,473,455 1.000 46,491,071 7,003,627 1.019 1.000 54,379,607 74.915% 77.6% -3.4% 0.0%Apr-14 68,821,417 1.060 0.986 72,105,782 48,433,685 1.008 48,817,676 6,623,514 1.020 1.000 56,421,074 78.2% 77.6% 0.8% 0.0%Apr-15 74,304,180 1.022 0.994 75,683,134 48,478,465 1.069 51,825,404 7,262,311 1.021 1.000 60,181,838 79.5% 77.6% 2.5% 100.0%TOTAL 204,511,008 1.090 0.986 220,377,161 143,385,605 1.026 147,134,151 20,889,451 1.020 1.000 170,982,519 79.5% 77.6% 2.5% 17,134 2,390 100.0% 2.0% 2.5% 2.1%

COMP Apr-13 22,083,544 1.093 1.113 26,937,835 17,523,082 0.999 17,503,986 2,193,140 1.107 1.000 21,569,026 80.1% 77.6% 3.2% 0.0%Apr-14 23,231,159 1.082 1.081 27,263,397 18,449,146 0.999 18,426,955 1,907,104 1.075 1.000 21,717,899 79.7% 77.6% 2.7% 0.0%Apr-15 26,130,188 1.049 1.050 28,864,601 19,479,719 1.011 19,698,068 2,681,007 1.044 1.000 23,249,181 80.5% 77.6% 3.8% 100.0%TOTAL 71,444,891 1.073 1.080 83,065,833 55,451,947 1.003 55,629,008 6,781,251 1.074 1.000 66,536,107 80.5% 77.6% 3.8% 9,073 3,896 100.0% -0.4% 3.8% 1.2%

COLL Apr-13 71,815,909 1.002 1.150 82,996,377 50,960,614 0.999 50,904,210 6,333,713 1.216 1.000 68,223,968 82.2% 77.6% 5.9% 0.0%Apr-14 76,348,307 0.982 1.106 83,145,380 53,325,594 0.996 53,103,087 5,886,916 1.161 1.000 67,537,508 81.2% 77.6% 4.7% 0.0%Apr-15 83,223,073 0.997 1.063 88,496,141 63,832,832 0.923 58,927,871 6,562,769 1.109 1.000 71,888,934 81.2% 77.6% 4.7% 100.0%TOTAL 231,387,289 0.994 1.104 254,637,898 168,119,041 0.969 162,935,168 18,783,398 1.159 1.000 207,650,410 81.2% 77.6% 4.7% 15,735 2,299 100.0% 3.2% 4.7% 3.9%

MED Apr-13 30,900,816 1.215 0.965 36,347,257 18,615,010 1.010 18,800,470 6,326,340 1.152 1.000 27,976,602 77.0% 77.6% -0.8% 0.0%Apr-14 32,199,915 1.101 0.980 34,841,048 18,510,421 1.041 19,268,785 6,162,754 1.117 1.000 27,695,017 79.5% 77.6% 2.4% 0.0%Apr-15 33,925,641 1.074 0.995 36,387,246 17,980,573 1.126 20,253,116 6,550,617 1.084 1.000 28,512,425 78.4% 77.6% 1.0% 100.0%TOTAL 97,026,372 1.128 0.980 107,575,550 55,106,004 1.058 58,322,370 19,039,711 1.117 1.000 84,184,043 78.4% 77.6% 1.0% 7,363 6,650 100.0% 5.3% 1.0% 1.1%

UIM Apr-13 9,443,891 1.166 0.897 9,915,565 5,689,185 1.172 6,670,473 1,590,125 0.871 1.000 7,399,356 74.6% 77.6% -3.8% 33.2%Apr-14 9,771,587 1.132 0.926 10,280,457 7,364,226 1.404 10,342,885 2,398,145 0.924 1.000 11,958,253 116.3% 77.6% 49.9% 32.8%Apr-15 11,316,779 1.020 0.956 11,068,298 2,703,690 1.954 5,283,572 1,268,987 0.981 1.000 6,452,306 58.3% 77.6% -24.9% 34.0%TOTAL 30,532,257 1.101 0.927 31,264,320 15,757,101 1.415 22,296,930 5,257,257 0.922 1.000 25,809,915 82.7% 77.6% 6.6% 465 4,039 33.9% 3.4% 5.0% -0.4%

RENT Apr-13 3,967,110 1.196 1.150 5,470,418 3,343,550 0.999 3,340,425 526,679 1.000 1.000 3,866,184 70.7% 77.6% -8.9% 0.0%Apr-14 4,498,380 1.094 1.106 5,457,071 3,750,932 0.996 3,735,692 539,517 0.990 1.000 4,238,009 77.7% 77.6% 0.1% 0.0%Apr-15 5,510,482 1.009 1.063 5,934,982 3,919,894 0.979 3,835,953 677,798 0.980 1.000 4,438,772 74.8% 77.6% -3.6% 100.0%TOTAL 13,975,972 1.090 1.104 16,862,471 11,014,376 0.991 10,912,070 1,743,995 0.990 1.000 12,542,965 74.8% 77.6% -3.6% 9,554 1,565 100.0% -5.3% -3.6% -0.2%

UM Apr-13 3,504,753 1.008 0.897 3,179,311 1,840,996 0.997 1,835,104 392,690 0.871 1.000 1,990,859 62.6% 77.6% -19.3% 33.2%Apr-14 3,501,940 1.002 0.926 3,261,556 1,341,807 1.072 1,437,982 345,284 0.924 1.000 1,674,436 51.3% 77.6% -33.8% 32.8%Apr-15 3,663,133 1.000 0.956 3,515,213 2,306,846 1.546 3,565,513 726,868 0.981 1.000 4,224,727 120.2% 77.6% 54.9% 34.0%TOTAL 10,669,826 1.003 0.927 9,956,081 5,489,649 1.246 6,838,598 1,464,842 0.940 1.000 7,890,022 78.5% 77.6% 1.2% 312 4,039 27.8% 3.4% 3.3% 11.0%

FPB Apr-13 2,085,881 0.960 0.965 1,938,362 797,499 1.044 832,972 127,812 1.152 1.000 1,087,047 56.1% 77.6% -27.7% 33.2%Apr-14 2,120,214 0.920 0.980 1,917,774 1,383,339 1.115 1,542,817 204,357 1.117 1.000 1,928,407 100.6% 77.6% 29.6% 32.8%Apr-15 1,951,660 1.016 0.995 1,979,481 634,773 1.331 844,895 119,642 1.084 1.000 1,035,819 52.3% 77.6% -32.6% 34.0%TOTAL 6,157,754 0.964 0.980 5,835,617 2,815,611 1.144 3,220,684 451,812 1.118 1.000 4,051,273 69.4% 77.6% -10.6% 615 6,650 30.4% 5.3% 1.3% 74.4%

Roadside Apr-13 957,974 1.219 0.685 803,368 800,268 1.009 807,607 15,796 0.905 1.000 746,429 92.9% 77.6% 19.7% 0.0%Assistance Apr-14 911,844 1.226 0.761 854,776 953,564 1.024 976,573 9,969 0.923 1.000 911,457 106.6% 77.6% 37.4% 0.0%

Apr-15 927,722 1.173 0.846 923,874 995,822 1.039 1,034,441 12,819 0.942 1.000 987,173 106.9% 77.6% 37.7% 100.0%TOTAL 2,797,540 1.206 0.762 2,582,018 2,749,654 1.025 2,818,620 38,584 0.925 1.000 2,645,058 106.9% 77.6% 37.7% 16,343 1,156 100.0% 5.5% 37.7% 45.9%

LOAN Apr-13 121,408 0.943 1.000 114,769 47,032 1.000 47,032 7,503 1.000 1.000 54,535 47.5% 77.6% -38.8% 33.2%Apr-14 127,729 0.959 1.000 122,888 51,593 1.000 51,593 7,029 1.000 1.000 58,622 47.7% 77.6% -38.5% 32.8%Apr-15 142,196 1.000 1.000 142,691 80,430 1.034 83,151 11,829 1.000 1.000 94,980 66.6% 77.6% -14.2% 34.0%TOTAL 391,333 0.969 1.000 380,348 179,056 1.015 181,777 26,361 1.000 1.000 208,137 54.1% 77.6% -30.3% 86 1,689 22.6% 0.0% -6.8% 1.3%

ACPE Apr-13 19,891 1.000 1.000 19,949 0 0.000 0 139 1.000 1.000 139 0.7% 77.6% -99.1% 33.2%Apr-14 19,725 1.000 1.000 19,786 1,500 1.000 1,500 15 1.000 1.000 1,515 7.7% 77.6% -90.1% 32.8%Apr-15 20,266 1.000 1.000 20,338 20 1.000 20 (2) 1.000 1.000 18 0.1% 77.6% -99.9% 34.0%TOTAL 59,882 1.000 1.000 60,072 1,520 1.000 1,520 153 1.000 1.000 1,673 2.8% 77.6% -96.4% 2 1,194 4.1% 0.0% -3.9% 1.4%

LIAB Apr-13 162,079,877 1.169 0.946 179,151,058 106,234,518 1.009 107,187,132 27,178,846 0.987 1.000 132,925,242 74.2% 77.6% -4.4%Total Apr-14 172,464,717 1.067 0.964 177,348,052 109,459,910 1.053 115,213,976 27,747,920 1.000 1.000 142,936,523 80.6% 77.6% 3.9%

Apr-15 184,521,628 1.026 0.982 186,003,755 100,515,630 1.148 115,361,274 28,136,854 1.018 1.000 145,566,983 78.3% 77.6% 0.9%TOTAL 519,066,222 1.084 0.964 542,502,865 316,210,058 1.068 337,762,382 83,063,620 1.002 1.000 421,428,748 77.7% 77.6% 0.1% 65,971 N/A N/A 2.0% 2.4%

PDAM Apr-13 98,965,836 1.032 1.139 116,342,715 72,674,547 0.999 72,603,260 9,076,971 1.176 1.000 94,460,281 81.2% 77.6% 4.6%Total Apr-14 105,137,144 1.011 1.099 116,863,299 76,532,329 0.997 76,295,400 8,350,549 1.129 1.000 94,465,011 80.8% 77.6% 4.2%

Apr-15 115,953,928 1.010 1.062 124,382,627 88,308,717 0.946 83,579,504 9,946,222 1.085 1.000 100,659,058 80.9% 77.6% 4.3%TOTAL 320,056,908 1.017 1.098 357,588,641 237,515,594 0.979 232,478,164 27,373,742 1.128 1.000 289,584,350 81.0% 77.6% 4.4% 17,358 N/A N/A 4.4% 3.4%

TOTAL Apr-13 261,045,713 1.117 1.013 295,493,773 178,909,065 1.005 179,790,392 36,255,817 1.063 1.000 227,385,522 77.0% 77.6% -0.8%INDEMNITY Apr-14 277,601,861 1.046 1.013 294,211,351 185,992,240 1.030 191,509,376 36,098,469 1.051 1.000 237,401,534 80.7% 77.6% 4.0%

Apr-15 300,475,555 1.020 1.013 310,386,382 188,824,347 1.054 198,940,778 38,083,076 1.046 1.000 246,226,042 79.3% 77.6% 2.2%TOTAL 839,123,129 1.059 1.013 900,091,506 553,725,652 1.030 570,240,546 110,437,362 1.053 1.000 711,013,098 79.8% 77.6% 2.9% N/A N/A N/A 2.9% 2.8%

Apr-13 11,877,284 1.047 1.000 12,430,749Apr-14 12,094,270 1.047 1.000 12,657,846

OPERATIONS Apr-15 13,360,587 1.047 1.000 13,983,172EXPENSE TOTAL 37,332,141 1.000 1.000 39,071,767 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.0% -2.3%

TOTAL Apr-13 272,922,997 1.114 1.013 307,924,522Apr-14 289,696,071 1.046 1.013 306,869,137Apr-15 313,836,142 1.021 1.012 324,369,554TOTAL 876,455,270 1.056 1.013 939,163,213 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 2.9% 2.6%

1 "# of Features" denotes the number of coverages on a claim (e.g. bodily injury, personal injury and collision could all be “features” of one claim).2 "SFC" (Standard of Full Credibility) denotes the number of losses required to be 100% credible.



ExpensesLiability Physical Damage

Expense Category % of Written Premium % of Written Premium

Operating Admin Expense 1.9% 1.9%

Product & Pricing Expense 2.0% 2.0%

Taxes, Licenses, and Fees 3.3% 3.3%

Revenue Adjustments -0.3% -0.3%

Profit 4.0% 4.0%

Contingency 1.0% 1.0%

Commission 10.6% 10.6%

Total Budgeted Expenses 22.4% 22.4%

Budgetary Loss and LAE Ratio 77.6% 77.6%



Loss Adjustment Expenses

Accident LAECoverage Year Paid Ultimate Paid Ultimate Trend TOTAL

Ending DCC DCC A&O A&O Factor LAE

BI Apr-13 2,220,894 3,590,797 5,904,842 8,147,455 1.000 11,738,252Apr-14 755,381 4,098,829 5,150,441 7,915,037 1.000 12,013,865Apr-15 76,243 4,207,714 3,113,892 8,000,715 1.000 12,208,429

PD Apr-13 111,538 145,055 5,327,302 6,858,571 1.000 7,003,627Apr-14 53,417 143,397 5,554,878 6,480,117 1.000 6,623,514Apr-15 29,406 191,626 5,641,109 7,070,685 1.000 7,262,311

UM Apr-13 47,417 30,698 201,170 361,992 1.000 392,690Apr-14 41,557 87,586 208,939 257,698 1.000 345,284Apr-15 973 67,146 113,889 659,722 1.000 726,868

UIM Apr-13 132,739 602,528 667,105 987,597 1.000 1,590,125Apr-14 75,082 1,001,235 382,402 1,396,910 1.000 2,398,145Apr-15 576 542,971 110,241 726,016 1.000 1,268,987

FPB Apr-13 7,800 8,724 159,055 119,089 1.000 127,812Apr-14 268 13,905 123,764 190,452 1.000 204,357Apr-15 2,371 12,833 91,042 106,809 1.000 119,642

MED Apr-13 517,292 714,096 5,278,282 5,612,244 1.000 6,326,340Apr-14 391,701 762,383 4,795,560 5,400,371 1.000 6,162,754Apr-15 146,288 782,867 3,829,864 5,767,750 1.000 6,550,617

COMP Apr-13 62,973 58,219 1,685,291 2,134,921 1.000 2,193,140Apr-14 28,111 37,084 1,585,072 1,870,019 1.000 1,907,104Apr-15 40,695 70,216 2,035,111 2,610,791 1.000 2,681,007

COLL Apr-13 74,221 76,744 4,424,171 6,256,969 1.000 6,333,713Apr-14 58,023 104,591 4,623,979 5,782,325 1.000 5,886,916Apr-15 15,545 108,192 5,032,689 6,454,577 1.000 6,562,769

Roadside Apr-13 89 84 30,962 15,712 1.000 15,796Assistance Apr-14 0 0 1,108 9,969 1.000 9,969

Apr-15 0 0 183 12,819 1.000 12,819

RENT Apr-13 1,189 2,243 2,088,284 524,436 1.000 526,679Apr-14 615 1,710 2,162,038 537,807 1.000 539,517Apr-15 481 1,848 1,988,237 675,951 1.000 677,798

ACPE Apr-13 0 0 135 139 1.000 139Apr-14 0 0 80 15 1.000 15Apr-15 0 0 364 (2) 1.000 (2)

LOAN Apr-13 0 0 4,737 7,503 1.000 7,503Apr-14 0 0 4,718 7,029 1.000 7,029Apr-15 0 0 7,767 11,829 1.000 11,829



Determination of General Trends*

The selected annual trend percentages for individual coverage severity and frequency were determined by examiningNAII Fast Track data through 12/31/2014 and Progressive 12-month moving average data through 04/30/2015.Actuarial judgment was used to make the selects.

NET TREND = SEVERITY TREND FACTOR * FREQUENCY TREND FACTOR / EARNED PREMIUM@CRL TREND FACTOR - 1

Progressive Progressive Progressive Historic to Present toCoverage 3 Year 2 Year 1 Year Present Future Avg

Annualized Annualized Annualized Trend Date of LossTrend Trend Trend Selected Selected

BI -0.6% -5.5% -5.9% -2.8% 3.4%PD 4.7% 1.3% -0.8% 0.7% 2.0%UM** 7.7% -1.3% -8.3% -2.8% 3.4%UIM** 6.2% -2.3% -8.7% -2.8% 3.4%MED 3.0% 3.1% 4.4% 4.6% 5.3%FPB*** 2.0% 5.7% 12.4% 4.6% 5.3%COMP 1.3% 0.3% -0.6% 0.0% -0.4%COLL 3.0% 0.7% -2.1% 0.7% 3.2%

TREND - LOSS SEVERITY

NAII 2 Year Progressive Progressive Progressive Historic to Present toCoverage Quarterly 3 Year 2 Year 1 Year Present Future Avg

Severity Annualized Annualized Annualized Trend Date of LossRegressed % Trend Trend Trend Selected Selected

BI 7.2% 4.1% 0.3% 3.4% 2.4% 4.0%PD 3.2% 2.3% -0.4% -0.6% -0.5% -1.0%UM** N/A -1.9% -0.1% 14.8% 2.4% 4.0%UIM** N/A -1.9% -0.1% 14.8% 2.4% 4.0%MED 0.0% 1.2% 2.6% 5.8% 4.1% 4.0%FPB*** N/A 1.2% 2.6% 5.8% 4.1% 4.0%COMP 17.3% 6.3% 3.4% 7.5% 5.5% 5.0%COLL 1.3% 2.1% 1.1% 5.9% 5.9% 6.3%

TREND - LOSS FREQUENCY


Frequency Annualized Annualized Annualized Trend Date of LossRegressed % Trend Trend Trend Selected Selected

BI -5.2% -8.1% -8.9% -11.9% -8.0% -3.0%PD 1.0% 0.2% 0.8% -1.0% 0.4% 2.8%UM** N/A 7.6% -2.4% -20.3% -8.0% -3.0%UIM** N/A 7.6% -2.4% -20.3% -8.0% -3.0%MED 0.0% -3.3% -2.3% -2.8% -1.0% 1.5%FPB*** N/A -3.3% -2.3% -2.8% -1.0% 1.5%COMP 13.9% -3.4% -0.2% -4.6% -2.4% -2.5%COLL 5.0% 2.3% 2.8% -3.8% -1.1% 0.5%

TREND - EARNED PREMIUM@CRL



BI -3.6% -3.2% -3.2% -3.1% -2.4%PD -2.1% -0.9% -0.8% -0.8% -0.2%UM** -2.1% -1.2% -0.3% -3.1% -2.4%UIM** -0.6% -0.2% 0.2% -3.1% -2.4%MED -4.9% -2.8% -1.5% -1.5% 0.2%FPB*** -4.0% -5.2% -8.5% -1.5% 0.2%COMP 1.4% 3.0% 3.1% 3.0% 2.8%COLL 1.4% 3.3% 4.0% 4.0% 3.5%

* Combined data for Progressive Specialty, Progressive Preferred, Progressive Casualty, and Progressive Northern Companies.** Trend selects for UM and UIM are equal to BI trend selects*** Trend selects for FPB are equal to MED trend selects



TREND PERIOD

Accident Midpoint Average Effective Duration Trend-to-Date*Year of Date of between Policy (Future Avg

Ending Accident Year Rate Revision Rate Revisions Term Date of Loss)

Apr-13 Oct-12 17-Jan-16 6 6 18-Jul-16Apr-14 Oct-13 17-Jan-16 6 6 18-Jul-16Apr-15 Oct-14 17-Jan-16 6 6 18-Jul-16

Accident Historic Historic Future FutureYear Months Trend Months Trend

Ending in Span** Period in Span*** Period

Apr-13 30 2.5 14.62 1.22Apr-14 18 1.5 14.62 1.22Apr-15 6 0.5 14.62 1.22

* Effective Date + 1/2 (Projected Duration) + 1/2 (Policy Term)** Number of months between Midpoint of Accident Year (Average Date of Loss) and the Present-Trend-to-Date *** Number of months between Present-Trend-to-Date and the Future-Trend-to-Date (Future Average Date of Loss)

Projection Period is calculated by taking the Months in Trend and dividing by 12 to annualize the period.

Trend Factor Calculation: One plus the historic to present trend percentage, raised to the historic trend period,multiplied by one plus the present to future trend percentage to the future trend period.

LOSS TREND FACTORS

AY Ending AY Ending AY EndingCoverage Apr-13 Apr-14 Apr-15

BI 0.871 0.924 0.981PD 1.019 1.020 1.021UM** 0.871 0.924 0.981UIM** 0.871 0.924 0.981MED 1.152 1.117 1.084FPB*** 1.152 1.117 1.084COMP 1.107 1.075 1.044COLL 1.216 1.161 1.109

EARNED PREMIUM TREND FACTORS



Exhibit 6

Rate Revision Date BI PD UM UIM FPB MED COMP COLL ROADSIDE RENT ACPE LOAN TotalASSISTANCE

200802* 13.0% 10.0% 0.0% 10.0% 0.0% 2.0% 3.0% -3.0% 0.0% 0.0% 0.0% 0.0% 5.3%200812 15.0% -1.0% -2.2% 19.0% -14.5% -10.0% 3.0% -8.0% 0.1% 0.0% 0.8% 0.2% 0.4%200902 -10.0% -3.0% 0.0% 0.0% 0.0% 0.0% -8.0% 0.0% 0.0% -10.0% 0.0% 0.0% -4.2%200908 11.1% 3.1% 0.0% 0.0% 0.0% 0.0% 8.7% 0.0% 0.0% 11.1% 0.0% 0.0% 4.3%201003 0.0% 12.0% 6.7% -4.1% 0.0% 18.0% -2.0% 5.0% 3.4% -6.1% 0.0% 4.2% 5.5%201009 -14.0% 7.0% 0.0% -6.1% 5.0% 20.0% -2.0% -5.5% -4.7% -4.7% -4.8% -4.7% 3.3%201110 13.0% 0.0% 0.0% 0.0% 0.0% 2.9% 19.1% 4.7% 0.0% 0.0% 0.0% 0.0% 5.5%201205 3.3% 8.3% 0.9% -0.2% 11.6% 15.7% 0.1% 3.2% -0.2% 0.1% 0.0% -0.1% 5.4%201209 3.0% 10.0% 0.0% 0.0% 0.0% 4.0% 0.0% 0.0% 0.0% 10.0% 0.0% 0.0% 3.5%201304 5.1% 3.0% 0.1% 9.8% -4.8% -4.1% 1.8% 1.1% -1.8% 3.0% 0.0% -5.7% 2.0%201401 0.5% 1.5% 0.0% 0.0% -9.1% 0.0% 2.0% -2.5% 0.0% 7.0% 0.0% 0.0% 0.0%201403 0.5% 0.0% 0.1% 5.0% 0.0% 6.5% 0.0% 0.0% 8.0% 0.0% 0.0% 0.0% 1.2%201408 1.0% 0.8% 0.0% 1.2% 4.5% 1.3% 0.6% -0.1% 0.0% 0.4% 0.0% 0.0% 0.6%201413 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%201504 0.0% 1.5% 0.0% 0.0% 0.0% 5.0% 4.3% 0.0% 15.0% 0.0% 0.0% 0.0% 1.4%

*Progressive Preferred Insurance Company incepted in 200802 (for New Business)



Current Rate Level History

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Bodily Injury (BI)

Incurred Loss Development

Accident Semester 1 Sem 2 Sem 3 Sem 4 Sem 5 Sem 6 Sem 7 Sem 8 Sem 9 Sem 10 Sem 11 Sem 12 Sem 13 Sem 14 Sem

Oct-08 9,620,821 10,190,634 10,957,341 10,993,135 11,138,299 11,555,255 11,435,929 11,587,401 11,584,888 11,574,884 11,553,220 11,601,289 11,558,521 11,513,822Apr-09 8,434,314 9,980,923 9,742,379 10,254,486 10,727,931 10,778,037 10,451,620 10,324,035 10,232,195 10,187,592 10,178,761 10,160,198 10,146,828Oct-09 11,340,662 12,852,793 13,281,365 14,357,670 14,165,672 14,345,624 13,729,055 13,805,280 13,795,301 13,827,861 13,906,486 13,968,869Apr-10 11,698,150 12,866,548 14,610,582 15,112,881 15,419,090 15,217,156 15,033,755 15,099,859 15,071,836 15,097,750 15,033,279Oct-10 11,703,511 13,424,208 14,676,665 15,108,163 15,532,260 15,808,843 15,375,336 15,117,761 15,204,957 15,205,593Apr-11 12,017,412 12,991,157 14,471,163 15,180,228 15,507,764 15,043,360 15,326,540 15,278,305 15,300,232Oct-11 15,330,028 16,744,730 17,459,770 17,830,703 18,740,096 18,595,100 18,699,831 18,463,051Apr-12 13,529,100 15,034,418 15,340,024 15,732,166 16,561,708 16,525,268 16,596,555Oct-12 14,371,595 16,630,541 16,668,418 17,018,618 17,349,505 17,634,386Apr-13 11,823,164 13,973,213 14,442,205 14,884,465 15,183,986Oct-13 13,517,618 15,526,517 15,847,017 16,463,063Apr-14 13,444,019 15,150,375 15,963,371Oct-14 12,599,470 14,248,745Apr-15 14,162,538

AGE - TO - AGE DEVELOPMENT FACTORS

Accident Semester 1 to 2 2 to 3 3 to 4 4 to 5 5 to 6 6 to 7 7 to 8 8 to 9 9 to 10 10 to 11 11 to 12 12 to 13 13 to 14

Oct-08 1.059 1.075 1.003 1.013 1.037 0.990 1.013 1.000 0.999 0.998 1.004 0.996 0.996Apr-09 1.183 0.976 1.053 1.046 1.005 0.970 0.988 0.991 0.996 0.999 0.998 0.999Oct-09 1.133 1.033 1.081 0.987 1.013 0.957 1.006 0.999 1.002 1.006 1.004Apr-10 1.100 1.136 1.034 1.020 0.987 0.988 1.004 0.998 1.002 0.996Oct-10 1.147 1.093 1.029 1.028 1.018 0.973 0.983 1.006 1.000Apr-11 1.081 1.114 1.049 1.022 0.970 1.019 0.997 1.001Oct-11 1.092 1.043 1.021 1.051 0.992 1.006 0.987Apr-12 1.111 1.020 1.026 1.053 0.998 1.004Oct-12 1.157 1.002 1.021 1.019 1.016Apr-13 1.182 1.034 1.031 1.020Oct-13 1.149 1.021 1.039Apr-14 1.127 1.054Oct-14 1.131

Average 1.127 1.049 1.035 1.026 1.003 0.990 0.996 1.000 1.000 1.000 1.003 0.997 0.996Avg Last 4 1.147 1.028 1.029 1.036 0.994 1.000 0.993 1.001 1.000 1.000 1.002 0.997 0.996Selected 1.147 1.040 1.032 1.036 0.997 1.001 0.994 1.001 1.001 0.999 1.002 0.997 0.997Cumulative 1.263 1.102 1.059 1.026 0.991 0.993 0.992 0.998 0.997 0.996 0.996 0.994 0.997

ACCIDENT YEAR ENDING Apr-15 Apr-14 Apr-13 TOTALINCURRED LOSSES 28,411,283 32,426,434 32,818,373 93,656,089DEVELOPMENT FACTOR 1.182 1.042 0.992 1.067DEVELOPED LOSSES 33,588,773 33,803,832 32,557,043 99,949,648

AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Property Damage (PD)









AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Comprehensive (COMP)









AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Collision (COLL)









AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Medical Payments (MED)









AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Underinsured Motorist Protection (UIM)



Oct-08 211,148 485,989 838,175 956,142 991,939 992,465 1,003,754 1,091,970 1,189,013 1,142,829 1,122,749 1,129,869 1,143,791 1,131,119Apr-09 565,808 1,146,992 1,447,836 1,331,256 1,455,881 1,479,979 1,768,265 1,764,940 1,920,601 1,949,115 1,985,297 1,972,557 1,975,109Oct-09 1,869,765 2,251,233 2,064,451 2,092,638 2,108,342 2,181,826 2,278,604 2,360,287 2,250,099 2,146,182 2,174,347 2,161,189Apr-10 1,305,403 1,554,235 2,505,130 2,537,198 2,475,353 2,796,794 3,198,044 3,164,932 4,448,116 4,466,742 4,519,649Oct-10 1,228,915 1,829,510 2,199,559 2,241,665 2,280,765 2,216,486 2,286,078 2,203,300 2,309,555 2,253,602Apr-11 761,945 1,234,957 1,323,802 1,409,349 1,768,170 1,843,136 1,989,912 2,136,965 1,989,569Oct-11 2,195,994 2,783,545 3,210,068 3,728,360 3,817,801 3,943,742 3,830,024 3,750,303Apr-12 1,690,382 2,251,082 2,573,454 2,693,022 3,038,936 3,142,542 3,792,390Oct-12 2,255,115 2,666,049 3,037,376 2,911,111 3,582,135 3,736,032Apr-13 1,140,562 1,476,823 1,593,945 1,681,561 1,953,153Oct-13 1,269,731 2,394,259 2,834,957 3,425,895Apr-14 1,749,841 2,854,767 3,938,331Oct-14 2,329,293 1,978,668Apr-15 725,022






AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - Uninsured Motorist Protection (UM)



Oct-08 260,831 441,313 382,988 366,032 353,416 335,461 375,478 392,476 391,061 841,827 831,624 1,008,634 1,008,634 1,007,977Apr-09 323,322 470,593 527,347 434,904 500,505 507,775 483,309 460,329 467,210 463,591 477,453 449,555 449,555Oct-09 505,694 453,662 385,072 362,592 389,335 344,048 350,392 314,831 311,313 309,491 309,421 308,864Apr-10 563,097 441,438 378,647 388,751 421,150 420,093 399,596 382,941 391,199 385,941 385,941Oct-10 548,686 513,816 399,135 318,610 317,176 398,790 414,697 397,800 397,710 395,893Apr-11 804,506 536,795 643,729 711,845 679,717 770,476 764,790 750,744 746,936Oct-11 779,562 868,778 990,109 1,087,462 1,185,725 1,072,752 1,098,376 1,046,960Apr-12 590,699 708,689 756,361 719,517 790,620 821,707 791,953Oct-12 360,929 987,454 1,310,161 1,278,153 1,303,481 1,296,899Apr-13 408,701 396,318 452,986 477,475 544,096Oct-13 342,536 408,856 634,235 672,025Apr-14 573,186 654,034 669,782Oct-14 442,885 1,752,316Apr-15 554,530






AGE OF DEVELOPMENT

Exhibit 7


Pennsylvania Private Passenger AutomobileLoss Development as of April 30, 2015 - First Party Benefits (FPB)



Oct-08 222,707 303,681 314,865 311,820 314,351 313,192 313,223 331,207 343,697 343,697 343,697 343,697 343,697 343,697Apr-09 177,558 233,008 251,885 268,256 326,897 436,610 443,035 441,612 441,612 441,612 441,612 441,612 441,612Oct-09 244,840 354,436 362,648 432,113 437,113 403,226 403,226 403,226 403,226 403,226 402,226 402,226Apr-10 542,994 618,207 607,716 656,879 674,696 685,329 685,421 685,421 685,421 685,421 685,421Oct-10 319,634 339,394 418,026 383,400 385,581 406,095 408,080 408,080 408,080 407,692Apr-11 246,419 435,464 485,335 501,178 498,150 501,414 524,696 548,365 549,807Oct-11 362,348 493,896 564,429 590,891 596,750 593,037 605,593 608,169Apr-12 348,391 455,961 498,589 519,803 536,054 560,814 575,610Oct-12 195,281 277,428 338,418 364,444 388,104 410,530Apr-13 250,255 332,303 368,963 378,468 386,968Oct-13 648,998 586,545 605,067 603,544Apr-14 648,866 740,641 779,795Oct-14 261,633 377,463Apr-15 257,310





ACCIDENT YEAR ENDING Apr-15 Apr-14 Apr-13 TOTALINCURRED LOSSES 634,773 1,383,339 797,499 2,815,611DEVELOPMENT FACTOR 1.331 1.115 1.044 1.144DEVELOPED LOSSES 844,895 1,542,817 832,972 3,220,684

AGE OF DEVELOPMENT

Exhibit 8

Projected Cost Per Term 26.47$

Amount Recovered Per Term: Current 25.95$

Amount Recovered Per Term: Selected 25.35$ -2.3%



Operations Expense

Selected Operations Expense Change

Indicated Operations Expense Need2.0%

Introduction

The enclosed exhibits present detail and justification for the rate revision of the Progressive Advanced Insurance Company in the state of Pennsylvania.

Table of Contents

Item Exhibit Number

Proposed Rate Changes 1

Indication 2

Expenses 3

Loss Adjustment Expense 4

Trend 5 Combined Data for:

Progressive Advanced Insurance CompanyProgressive Direct Insurance Company

Current Rate Level 6

Loss Development Factors 7

Operations Expense 8

Pennsylvania Private Passenger AutomobileProgressive Advanced Insurance Company

Exhibit 1

We measured the rate changes by calculating rates for in-force policies under the currating plans, and determined the percent change in the rate totals for each coverage.

Coverage Rate Change

Bodily Injury (BI) -1.4%

Property Damage (PD) -0.1%

Uninsured Motorist Protection (UM) 10.5%

Underinsured Motorist Protection (UIM) 2.2%

First Party Benefits (FPB) 79.4%

Medical Payments (MED) -1.3%

Comprehensive (COMP) 0.2%

Collision (COLL) 4.6%

Loan Payoff Protection (LOAN) 5.1%

Rental Reimbursement (RENT) 0.3%

Roadside Assistance 28.2%

Additional Custom Parts & Equip (ACPE) 1.1%

Acquisition Expense -0.1%

Operations Expense 3.0%

Overall 1.6%

Proposed Rate Changes

Progressive Advanced Insurance CompanyPennsylvania Private Passenger Automobile

Exhibit 2Progressive Advanced Insurance CompanyPennsylvania Private Passenger Automobile

Determination of Statewide Rate Level Changes

Accident Incurred Loss LAE Trended & Ultimate Budgetary Complement Cred WtdYear Earned CRL EP Trend Trended Incurred Incurred Developed Trend Trend Developed Loss & LAE Loss & LAE Indicated Selected # of Credibility to Indicated Selected

Coverage Ending Premium Factor Factor EP @ CRL Losses LDF Losses LAE Factor Factor Loss & LAE Ratio Ratio Change Weights Features1 SFC2 Percent Credibility Change ChangeBI Apr-13 28,852,054 0.998 0.899 25,888,816 16,227,001 0.991 16,074,970 6,200,968 0.825 1.000 19,467,405 75.2% 88.6% -15.2% 0.0%

Apr-14 30,838,323 0.983 0.928 28,138,139 17,228,678 1.055 18,179,390 6,891,441 0.902 1.000 23,288,598 82.8% 88.6% -6.6% 47.7%Apr-15 33,236,060 0.992 0.957 31,576,073 17,530,480 1.182 20,719,102 7,669,490 0.986 1.000 28,093,701 89.0% 88.6% 0.4% 52.3%TOTAL 92,926,438 0.991 0.929 85,603,028 50,986,159 1.078 54,973,461 20,761,899 0.911 1.000 70,849,705 86.0% 88.6% -3.0% 4,470 6,317 84.1% 4.9% -1.5% -1.4%

PD Apr-13 34,293,685 1.155 0.950 37,629,374 27,394,367 1.001 27,422,276 4,303,584 0.904 1.000 29,104,735 77.3% 88.6% -12.7% 0.0%Apr-14 37,359,105 1.137 0.965 40,971,873 31,790,708 1.006 31,976,477 4,495,343 0.938 1.000 34,484,194 84.2% 88.6% -5.0% 0.0%Apr-15 44,948,007 1.042 0.979 45,876,685 33,856,056 1.068 36,172,728 5,078,376 0.973 1.000 40,256,393 87.7% 88.6% -1.0% 100.0%TOTAL 116,600,797 1.106 0.965 124,477,931 93,041,131 1.027 95,571,481 13,877,304 0.941 1.000 103,845,321 87.7% 88.6% -1.0% 12,343 2,390 100.0% 0.3% -1.0% -0.1%

COMP Apr-13 13,147,232 1.052 1.130 15,622,078 9,422,331 1.000 9,418,309 1,577,815 1.088 1.000 11,822,716 75.7% 88.6% -14.6% 0.0%Apr-14 14,051,247 1.110 1.090 17,009,645 12,194,167 1.001 12,200,956 1,691,788 1.067 1.000 14,710,539 86.5% 88.6% -2.4% 0.0%Apr-15 16,891,618 1.096 1.053 19,486,821 13,782,421 1.017 14,014,183 2,556,509 1.047 1.000 17,224,945 88.4% 88.6% -0.3% 100.0%TOTAL 44,090,098 1.087 1.087 52,118,544 35,398,919 1.007 35,633,448 5,826,112 1.065 1.000 43,758,200 88.4% 88.6% -0.3% 7,088 3,896 100.0% 0.2% -0.3% 0.2%

COLL Apr-13 46,496,455 0.966 1.130 50,741,733 34,855,919 0.999 34,832,799 4,549,341 1.286 1.000 49,351,839 97.3% 88.6% 9.7% 0.0%Apr-14 51,529,481 0.988 1.090 55,493,202 41,138,130 0.998 41,070,595 4,833,576 1.200 1.000 54,108,761 97.5% 88.6% 10.0% 0.0%Apr-15 60,146,531 1.010 1.053 63,976,136 53,054,060 0.927 49,197,388 5,592,771 1.119 1.000 60,651,061 94.8% 88.6% 7.0% 100.0%TOTAL 158,172,466 0.990 1.087 170,211,070 129,048,109 0.969 125,100,782 14,975,688 1.192 1.000 164,111,661 94.8% 88.6% 7.0% 13,256 2,299 100.0% 3.7% 7.0% 4.6%

MED Apr-13 14,627,610 1.106 0.962 15,571,010 9,487,080 1.017 9,646,330 3,683,226 0.972 1.000 13,059,951 83.9% 88.6% -5.4% 0.0%Apr-14 15,786,880 1.085 0.974 16,679,107 9,689,287 1.043 10,108,509 3,705,240 0.988 1.000 13,691,479 82.1% 88.6% -7.4% 0.0%Apr-15 18,599,528 1.009 0.986 18,501,892 10,389,948 1.083 11,251,054 4,143,696 1.004 1.000 15,439,934 83.5% 88.6% -5.8% 100.0%TOTAL 49,014,019 1.063 0.974 50,752,008 29,566,316 1.049 31,005,894 11,532,161 0.989 1.000 42,191,364 83.5% 88.6% -5.8% 5,126 6,650 87.8% 1.7% -4.9% -1.3%

UIM Apr-13 5,520,232 1.034 0.901 5,147,956 3,118,882 1.107 3,454,143 1,046,112 0.825 1.000 3,896,766 75.7% 88.6% -14.6% 31.1%Apr-14 5,810,423 1.026 0.929 5,538,486 3,125,471 1.290 4,032,221 1,264,284 0.902 1.000 4,901,203 88.5% 88.6% -0.2% 32.9%Apr-15 6,649,130 1.002 0.958 6,383,338 2,356,847 1.872 4,412,616 1,435,019 0.986 1.000 5,784,831 90.6% 88.6% 2.3% 36.0%TOTAL 17,979,785 1.020 0.931 17,069,781 8,601,200 1.383 11,898,980 3,745,414 0.911 1.000 14,582,799 85.3% 88.6% -3.8% 369 4,039 30.2% 4.9% 3.0% 2.2%

UM Apr-13 3,207,068 0.940 0.901 2,718,636 705,852 1.030 726,771 364,015 0.825 1.000 963,809 35.5% 88.6% -60.0% 31.1%Apr-14 3,383,592 0.945 0.929 2,971,183 1,510,325 1.083 1,635,183 755,498 0.902 1.000 2,230,374 75.1% 88.6% -15.3% 32.9%Apr-15 3,712,170 0.977 0.958 3,473,511 683,002 1.306 891,700 364,300 0.986 1.000 1,243,309 35.8% 88.6% -59.6% 36.0%TOTAL 10,302,830 0.955 0.931 9,163,330 2,899,179 1.122 3,253,654 1,483,813 0.908 1.000 4,437,492 48.6% 88.6% -45.2% 275 4,039 26.1% 4.9% -7.4% 10.5%

RENT Apr-13 2,604,621 1.046 1.105 3,011,064 2,077,068 1.000 2,076,573 400,089 0.997 1.000 2,469,730 82.0% 88.6% -7.5% 0.0%Apr-14 2,848,015 1.048 1.073 3,204,105 2,652,479 0.999 2,649,096 399,188 0.998 1.000 3,041,815 94.9% 88.6% 7.1% 0.0%Apr-15 3,419,063 1.017 1.042 3,623,798 2,821,942 0.987 2,784,033 478,141 0.998 1.000 3,257,872 89.9% 88.6% 1.4% 100.0%TOTAL 8,871,699 1.035 1.071 9,838,968 7,551,489 0.994 7,509,701 1,277,418 0.998 1.000 8,769,418 89.9% 88.6% 1.4% 7,299 1,565 100.0% -2.2% 1.4% 0.3%

Roadside Apr-13 735,736 1.473 0.555 601,224 801,731 1.004 804,827 7,767 0.938 1.000 762,949 126.9% 88.6% 43.2% 0.0%Assistance Apr-14 722,393 1.350 0.652 636,313 962,613 1.011 973,377 834 0.958 1.000 933,055 146.6% 88.6% 65.5% 0.0%

Apr-15 747,894 1.193 0.767 684,844 1,015,168 1.032 1,047,323 666 0.978 1.000 1,024,447 149.6% 88.6% 68.8% 100.0%TOTAL 2,206,023 1.338 0.651 1,922,380 2,779,512 1.017 2,825,528 9,268 0.960 1.000 2,720,451 149.6% 88.6% 68.8% 16,872 1,156 100.0% 15.1% 68.8% 28.2%

FPB Apr-13 611,404 1.033 0.962 607,591 465,747 1.005 468,029 78,730 0.972 1.000 533,678 87.8% 88.6% -0.9% 31.1%Apr-14 604,198 1.067 0.974 627,968 671,067 1.077 722,549 110,924 0.988 1.000 824,733 131.3% 88.6% 48.2% 32.9%Apr-15 668,138 1.024 0.986 674,620 254,024 1.450 368,375 55,762 1.004 1.000 425,616 63.1% 88.6% -28.8% 36.0%TOTAL 1,883,740 1.041 0.974 1,910,179 1,390,837 1.121 1,558,952 245,416 0.987 1.000 1,784,027 93.2% 88.6% 5.2% 243 6,650 19.1% 1.7% 2.7% 79.4%

LOAN Apr-13 331,564 0.889 1.000 294,806 131,737 1.000 131,737 20,548 1.000 1.000 152,285 51.7% 88.6% -41.7% 31.1%Apr-14 339,103 0.965 1.000 327,092 226,493 1.024 231,822 22,982 1.000 1.000 254,804 77.9% 88.6% -12.1% 32.9%Apr-15 370,115 1.006 1.000 372,257 351,315 1.108 389,093 41,104 1.000 1.000 430,197 115.6% 88.6% 30.4% 36.0%TOTAL 1,040,783 0.955 1.000 994,155 709,544 1.061 752,652 84,634 1.000 1.000 837,285 83.3% 88.6% -6.0% 353 1,689 45.7% 0.0% -2.7% 5.1%

ACPE Apr-13 12,514 1.000 1.000 12,515 0 0.000 0 138 1.000 1.000 138 1.1% 88.6% -98.8% 31.1%Apr-14 15,005 1.000 1.000 15,006 6,513 1.000 6,513 47 1.000 1.000 6,560 43.7% 88.6% -50.7% 32.9%Apr-15 18,924 1.000 1.000 18,925 350 1.000 350 (15) 1.000 1.000 335 1.8% 88.6% -98.0% 36.0%TOTAL 46,443 1.000 1.000 46,446 6,863 1.000 6,863 169 1.000 1.000 7,033 15.4% 88.6% -82.7% 3 1,194 5.0% 0.0% -4.1% 1.1%

LIAB Apr-13 87,112,054 1.078 0.932 87,563,383 57,398,930 1.007 57,792,519 15,676,635 0.889 1.000 67,026,344 76.5% 88.6% -13.6%Total Apr-14 93,782,522 1.063 0.952 94,926,756 64,015,536 1.041 66,654,328 17,222,730 0.933 1.000 79,420,581 83.7% 88.6% -5.6%

Apr-15 107,813,034 1.016 0.972 106,486,119 65,070,356 1.134 73,815,574 18,746,643 0.982 1.000 91,243,784 85.7% 88.6% -3.3%TOTAL 288,707,611 1.050 0.953 288,976,258 186,484,822 1.063 198,262,422 51,646,008 0.938 1.000 237,690,708 82.3% 88.6% -7.2% 42,927 N/A N/A -1.8% 0.3%

PDAM Apr-13 63,328,122 0.993 1.118 70,283,420 47,288,785 0.999 47,264,244 6,555,699 1.227 1.000 64,559,658 91.9% 88.6% 3.6%Total Apr-14 69,505,245 1.018 1.083 76,685,362 57,180,395 0.999 57,132,360 6,948,415 1.157 1.000 73,055,533 95.3% 88.6% 7.5%

Apr-15 81,594,145 1.030 1.049 88,162,781 71,025,257 0.949 67,432,369 8,669,176 1.096 1.000 82,588,856 93.7% 88.6% 5.7%TOTAL 214,427,512 1.015 1.080 235,131,563 175,494,437 0.979 171,828,974 22,173,289 1.152 1.000 220,204,047 93.7% 88.6% 5.7% 24,770 N/A N/A 5.8% 3.7%

TOTAL Apr-13 150,440,176 1.042 1.007 157,846,803 104,687,715 1.004 105,056,763 22,232,334 1.041 1.000 131,586,002 83.4% 88.6% -5.9%INDEMNITY Apr-14 163,287,767 1.044 1.006 171,612,118 121,195,931 1.021 123,786,688 24,171,145 1.037 1.000 152,476,114 88.8% 88.6% 0.3%

Apr-15 189,407,180 1.022 1.005 194,648,900 136,095,613 1.038 141,247,944 27,415,819 1.037 1.000 173,832,640 89.3% 88.6% 0.8%TOTAL 503,135,123 1.035 1.006 524,107,821 361,979,259 1.022 370,091,396 73,819,297 1.038 1.000 457,894,756 88.9% 88.6% 0.3% N/A N/A N/A 1.5% 1.8%

Apr-13 20,054,353 1.000 1.000 20,054,353Apr-14 22,605,363 1.000 1.000 22,605,363

ACQUISITION Apr-15 26,689,893 1.000 1.000 26,688,010EXPENSE TOTAL 26,689,893 1.000 1.000 26,688,010 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A -2.6% -0.1%

Apr-13 7,988,306 1.039 1.000 8,296,757Apr-14 8,807,180 1.039 1.000 9,147,249

OPERATIONS Apr-15 10,103,675 1.039 1.000 10,493,806EXPENSE TOTAL 26,899,161 1.000 1.000 27,937,811 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 7.0% 3.0%

TOTAL Apr-13 178,482,835 1.037 1.006 186,197,913Apr-14 194,700,309 1.039 1.005 203,364,730Apr-15 226,200,748 1.020 1.004 231,830,716TOTAL 556,724,177 1.032 1.006 621,393,358 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 1.3% 1.6%

1 "# of Features" denotes the number of coverages on a claim (e.g. bodily injury, personal injury and collision could all be “features” of one claim).2 "SFC" (Standard of Full Credibility) denotes the number of losses required to be 100% credible.


ExpensesLiability Physical Damage

Expense Category % of Written Premium % of Written Premium

Operating Admin Expense 1.9% 1.9%

Product & Pricing Expense 0.8% 0.8%

Taxes, Licenses, and Fees 3.5% 3.5%

Revenue Adjustments 0.1% 0.1%

Profit 4.0% 4.0%

Contingency 1.0% 1.0%

Total Budgeted Expenses 11.4% 11.4%

Budgetary Loss and LAE Ratio 88.6% 88.6%

*Advertising and call center expenses are considered separately.


Loss Adjustment Expenses

Accident LAECoverage Year Paid Ultimate Paid Ultimate Trend TOTAL

Ending DCC DCC A&O A&O Factor LAE

BI Apr-13 1,133,317 1,857,933 3,269,845 4,343,035 1.000 6,200,968Apr-14 449,920 2,320,066 3,305,955 4,571,375 1.000 6,891,441Apr-15 34,164 2,469,834 2,106,195 5,199,656 1.000 7,669,490

PD Apr-13 99,163 135,030 3,594,087 4,168,554 1.000 4,303,584Apr-14 61,493 143,634 3,996,423 4,351,709 1.000 4,495,343Apr-15 14,972 170,789 4,172,780 4,907,587 1.000 5,078,376

UM Apr-13 74,177 74,867 184,936 289,148 1.000 364,015Apr-14 46,050 174,222 239,052 581,276 1.000 755,498Apr-15 4,179 49,632 102,459 314,668 1.000 364,300

UIM Apr-13 58,885 303,346 406,004 742,765 1.000 1,046,112Apr-14 36,589 466,897 302,912 797,387 1.000 1,264,284Apr-15 3,115 564,761 107,958 870,258 1.000 1,435,019

FPB Apr-13 119 1,825 53,816 76,905 1.000 78,730Apr-14 620 2,928 50,403 107,995 1.000 110,924Apr-15 0 1,149 30,849 54,613 1.000 55,762

MED Apr-13 192,572 293,023 3,021,537 3,390,202 1.000 3,683,226Apr-14 210,834 342,828 3,107,336 3,362,412 1.000 3,705,240Apr-15 116,602 407,443 2,646,434 3,736,252 1.000 4,143,696

COMP Apr-13 25,784 21,016 1,171,199 1,556,799 1.000 1,577,815Apr-14 65,742 66,607 1,320,642 1,625,182 1.000 1,691,788Apr-15 21,343 58,176 1,764,992 2,498,333 1.000 2,556,509

COLL Apr-13 34,325 30,218 3,341,839 4,519,123 1.000 4,549,341Apr-14 57,180 76,417 3,792,791 4,757,159 1.000 4,833,576Apr-15 36,320 97,835 4,516,883 5,494,936 1.000 5,592,771

Apr-13 140 123 4,042 7,644 1.000 7,767Apr-14 0 0 1,271 834 1.000 834Apr-15 0 0 936 666 1.000 666

RENT Apr-13 93 964 1,326,039 399,125 1.000 400,089Apr-14 2,137 2,172 1,512,014 397,016 1.000 399,188Apr-15 2,132 2,430 1,470,729 475,711 1.000 478,141

ACPE Apr-13 0 0 0 138 1.000 138Apr-14 0 0 171 47 1.000 47Apr-15 0 0 257 (15) 1.000 (15)

LOAN Apr-13 5,189 4,123 14,828 16,425 1.000 20,548Apr-14 0 1 22,185 22,981 1.000 22,982Apr-15 0 2,550 28,444 38,554 1.000 41,104

Roadside Assistance


Determination of General Trends*

The selected annual trend percentages for individual coverage severity and frequency were determined by examiningNAII Fast Track data through 12/31/2014 and Progressive 12-month moving average data through 04/30/2015.Actuarial judgment was used to make the selects.

NET TREND = SEVERITY TREND FACTOR * FREQUENCY TREND FACTOR / EARNED PREMIUM@CRL TREND FACTOR - 1



BI -1.8% -9.0% -7.3% -5.6% 4.9%PD 5.7% 1.4% -3.2% -2.1% 0.3%UM** 11.7% 22.9% 4.7% -5.7% 4.9%UIM** 13.0% 24.4% 5.7% -5.7% 4.9%MED -0.7% -3.0% -1.6% -0.4% 1.7%FPB*** -0.7% -3.0% -1.6% -0.4% 1.7%COMP 4.4% 6.6% -7.1% -1.6% 0.2%COLL 3.7% 1.8% 1.4% 3.5% 3.7%

TREND - LOSS SEVERITY


Severity Annualized Annualized Annualized Trend Date of LossRegressed % Trend Trend Trend Selected Selected

BI 7.2% -0.2% -7.1% -3.0% -3.5% 2.0%PD 3.2% 2.6% -0.1% -2.2% -2.4% -2.5%UM** N/A 2.9% 7.9% 12.7% -3.5% 2.0%UIM** N/A 2.9% 7.9% 12.7% -3.5% 2.0%MED 2.6% -2.8% -1.5% 1.1% 0.4% 0.0%FPB*** N/A -2.8% -1.5% 1.1% 0.4% 0.0%COMP 17.3% 8.7% 8.1% 2.1% 3.5% 3.0%COLL 1.3% 0.8% 0.8% 7.8% 6.9% 4.5%

TREND - LOSS FREQUENCY


Frequency Annualized Annualized Annualized Trend Date of LossRegressed % Trend Trend Trend Selected Selected

BI -5.2% -5.9% -5.3% -7.2% -5.2% 0.5%PD 1.0% 0.5% -0.2% -2.5% -1.2% 1.8%UM** N/A 3.9% 11.0% -8.0% -5.2% 0.5%UIM** N/A 3.9% 11.0% -8.0% -5.2% 0.5%MED -5.3% -1.0% -3.3% -3.9% -2.0% 1.0%FPB*** N/A -1.0% -3.3% -3.9% -2.0% 1.0%COMP 13.9% -2.6% 1.4% -5.7% -1.5% 0.0%COLL 5.0% 3.8% 3.9% -2.4% 0.3% 2.0%

TREND - EARNED PREMIUM@CRL



BI -4.3% -3.3% -2.9% -3.1% -2.3%PD -2.5% -1.7% -1.5% -1.5% -1.1%UM** -4.4% -2.5% -1.0% -3.0% -2.3%UIM** -5.4% -3.7% -2.0% -3.0% -2.3%MED -3.1% -1.8% -1.3% -1.2% -0.7%FPB*** -3.1% -1.8% -1.3% -1.2% -0.7%COMP 1.5% 2.9% 3.6% 3.6% 2.8%COLL 0.9% 2.9% 3.8% 3.6% 2.8%

* Combined data for Progressive Advanced Insurance Company and Progressive Direct Insurance Company.** Trend selects for UM and UIM are equal to BI trend selects*** Trend selects for FPB are equal to MED trend selects


TREND PERIOD

Accident Midpoint Average Effective Duration Trend-to-Date*Year of Date of between Policy (Future Avg

Ending Accident Year Rate Revision Rate Revisions Term Date of Loss)

Apr-13 Oct-12 17-Jan-16 6 6 18-Jul-16Apr-14 Oct-13 17-Jan-16 6 6 18-Jul-16Apr-15 Oct-14 17-Jan-16 6 6 18-Jul-16

Accident Historic Historic Future FutureYear Months Trend Months Trend

Ending in Span** Period in Span*** Period

Apr-13 30 2.5 14.61 1.22Apr-14 18 1.5 14.61 1.22Apr-15 6 0.5 14.61 1.22

* Effective Date + 1/2 (Projected Duration) + 1/2 (Policy Term)** Number of months between Midpoint of Accident Year (Average Date of Loss) and the Present-Trend-to-Date *** Number of months between Present-Trend-to-Date and the Future-Trend-to-Date (Future Average Date of Loss)

Projection Period is calculated by taking the Months in Trend and dividing by 12 to annualize the period.

Trend Factor Calculation: One plus the historic to present trend percentage, raised to the historic trend period,multiplied by one plus the present to future trend percentage to the future trend period.

LOSS TREND FACTORS



EARNED PREMIUM TREND FACTORS



Exhibit 6

Rate Revision Date BI PD UM UIM FPB MED COMP COLL ROADSIDE RENT ACPE LOAN TotalASSISTANCE

200801 -0.3% -0.3% -0.3% -0.3% -0.3% -0.3% -0.3% -0.4% 0.0% 0.0% 0.0% 0.0% -0.3%200806 15.2% 0.0% 0.0% 8.2% 0.0% 0.0% 0.0% -5.5% 0.0% 0.0% 0.0% 0.0% 1.2%200808 -0.5% -10.5% 0.0% 0.0% -10.0% -10.0% -20.4% -15.0% 0.0% 0.0% 0.0% 0.0% -8.3%200904 0.1% 6.2% 0.0% 0.0% 0.0% 0.1% 9.2% 4.3% 0.0% 0.0% 0.0% 0.0% 2.9%201002 0.0% 4.8% -0.1% 0.0% 7.4% 11.2% -2.0% -16.4% 0.0% 0.0% 0.0% 0.0% -2.8%201009 -4.7% -11.8% -1.4% 4.4% -7.8% 10.3% -4.7% -0.8% 10.3% -5.0% -5.3% -9.7% 1.2%201110 3.0% 15.0% 0.0% 0.0% -3.7% 2.0% 2.0% 4.0% 14.5% 15.1% 0.0% -10.0% 4.7%201205 3.0% 1.9% 0.5% -0.3% -4.5% 4.2% 5.5% 5.9% 15.0% 0.1% 0.0% -10.0% 4.0%201302 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -7.5% -5.0% 0.0% 0.0% 0.0% 0.0% -1.9%201304 -0.6% 0.5% -2.4% 3.3% -2.1% -1.3% -4.4% -2.6% 2.7% -1.5% 0.0% -6.4% -0.4%201401 0.0% 5.0% 0.0% 0.0% 0.0% 3.0% -6.5% -3.0% -0.1% 0.0% 0.0% 0.0% -0.1%201403 0.0% 3.9% 0.0% 0.0% 7.2% 9.0% 8.0% 3.0% 15.0% 5.0% 0.0% 0.0% 3.0%201408 -1.3% 3.0% -3.9% 0.4% 1.1% -2.4% 13.0% 1.1% 0.1% 0.8% 0.0% 1.0% 1.4%201413 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%201504 0.0% 1.0% 0.0% 0.0% 0.0% 0.0% 1.0% 0.0% 15.0% 0.0% 0.0% 0.0% 0.5%

Current Rate Level


Exhibit 7


Loss Development as of April 30, 2015 - Bodily Injury (BI)









AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Property Damage (PD)









AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Comprehensive (COMP)



Oct-08 923,858 949,724 940,617 938,814 939,522 939,763 939,763 939,763 939,763 939,763 939,763 939,763 939,763 939,763Apr-09 1,445,913 1,453,823 1,440,056 1,440,124 1,440,443 1,440,546 1,440,408 1,438,192 1,438,158 1,438,158 1,438,158 1,438,158 1,438,158Oct-09 1,822,892 1,965,766 1,957,070 1,958,589 1,958,644 1,957,501 1,957,403 1,957,403 1,957,353 1,957,353 1,957,353 1,957,333Apr-10 2,621,006 2,591,151 2,573,686 2,576,779 2,578,795 2,579,149 2,580,152 2,579,149 2,579,394 2,579,390 2,579,390Oct-10 3,346,343 3,520,322 3,500,074 3,489,362 3,493,118 3,494,614 3,498,514 3,498,819 3,498,819 3,498,170Apr-11 3,597,259 3,635,629 3,641,282 3,623,101 3,673,319 3,676,683 3,675,500 3,669,125 3,656,138Oct-11 5,072,076 5,235,384 5,184,908 5,190,026 5,192,950 5,192,950 5,196,510 5,196,785Apr-12 4,157,926 4,103,731 4,103,356 4,101,311 4,098,302 4,094,850 4,091,662Oct-12 4,644,417 5,531,358 5,543,339 5,540,826 5,543,834 5,543,206Apr-13 4,303,097 4,246,636 4,243,287 4,223,056 4,220,946Oct-13 4,823,349 5,098,881 5,107,120 5,108,657Apr-14 6,126,626 6,208,429 6,209,640Oct-14 11,189,775 11,691,810Apr-15 6,450,132






AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Collision (COLL)









AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Medical Payments (MED)









AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Underinsured Motorist Protection (UIM)



Oct-08 52,543 165,459 185,480 288,393 300,745 355,247 377,482 389,070 380,683 374,535 379,284 384,777 456,880 359,380Apr-09 133,569 584,087 375,498 295,706 378,740 355,583 397,695 419,079 388,249 388,249 388,249 388,249 388,249Oct-09 777,220 969,516 786,932 742,435 737,098 713,181 836,076 822,821 811,511 811,511 811,511 761,511Apr-10 355,304 520,723 713,110 818,936 981,128 969,538 1,064,136 1,118,562 1,121,009 1,095,042 1,068,814Oct-10 622,343 1,070,074 1,160,317 1,320,837 1,532,259 1,705,484 1,546,588 1,511,000 1,534,028 1,530,359Apr-11 531,533 910,599 1,056,231 1,058,842 1,170,148 1,167,781 1,187,456 1,162,070 1,164,986Oct-11 536,714 709,629 1,086,195 1,350,960 1,478,740 1,546,651 1,550,291 2,061,386Apr-12 524,218 908,104 1,255,854 1,269,638 1,393,557 1,473,412 1,444,137Oct-12 928,296 1,495,105 1,761,410 1,723,243 2,004,134 1,979,644Apr-13 527,275 975,620 946,763 1,065,170 1,139,238Oct-13 1,109,475 1,246,813 1,768,255 1,940,167Apr-14 513,046 1,028,867 1,185,303Oct-14 852,890 1,665,358Apr-15 691,489






AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - Uninsured Motorist Protection (UM)








ACCIDENT YEAR ENDING Apr-15 Apr-14 Apr-13 TOTALINCURRED LOSSES 683,002 1,510,325 705,852 2,899,179DEVELOPMENT FACTOR 1.306 1.083 1.030 1.122DEVELOPED LOSSES 891,700 1,635,183 726,771 3,253,654

AGE OF DEVELOPMENT

Exhibit 7


Loss Development as of April 30, 2015 - First Party Benefits (FPB)








ACCIDENT YEAR ENDING Apr-15 Apr-14 Apr-13 TOTALINCURRED LOSSES 254,024 671,067 465,747 1,390,837DEVELOPMENT FACTOR 1.450 1.077 1.005 1.121DEVELOPED LOSSES 368,375 722,549 468,029 1,558,952

AGE OF DEVELOPMENT

Exhibit 8

Projected Cost Per Term 26.64$

Amount Recovered Per Term: Current 24.89$

Amount Recovered Per Term: Selected 25.64$ 3.0%


Operations Expense

Selected Operations Expense Change

Indicated Operations Expense Need7.0%

1 5 7 10 13 22 42 123 48

5

1,39

4

177

4,17

4

5,85

9

3,93

1

2,18

8

1,25

3

647

382

247

164

103

82 58 46 30 21 19 21 18 8 8 5 9 8 5 5 3 0 1 0 1 3 1 0 10

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

# of Policies

Change in Dollars ($)

Progressive Specialty Insurance CompanyPolicy Count by Dollar Change in Premium*

Maximum Change ($): $862

* Changes derived from sample of policies renewing into a rate revision effective in the 12 month window ending on proposed effective date of 12/18/2015.

2 4 8 12 38 41 36 72

185 37

4 620 710

177

901

1,92

0

3,38

7

4,22

1

3,00

0

1,79

9

1,26

6

854

586

362

216

181

191

145

89 61 20 19 15 9 7 5 6 3 9 38

0

500

1,000

1,500

2,000

2,500

3,000

3,500

4,000

4,500

# of Policies

% Change

Progressive Specialty Insurance CompanyPolicy Count by Percent Change in Premium*

Maximum Change: 48.3%

* Changes derived from a sample of policies renewing into a rate revision effective in the 12 month window ending on the proposed effective date of 12/18/2015.

1 0 0 0 0 0 1 0 0 2 2 7 11

48

146

12

443

734

606

442

295

197

122

99

59 46

28 22 19 18 10 16 3 7 4 3 0 0 0 3 2 0 0 0 1 0 0 1 0 1

0

100

200

300

400

500

600

700

800

# of Policies

Change in Dollars ($)

Progressive Preferred Insurance CompanyPolicy Count by Dollar Change in Premium*

Maximum Change: $728


1 1 2 5 7

18

37

55

92

12

115

189

354

443

334

279

229 25

3

322

253

144

70 66

33 26 18 8 12 5 9 4 1 2 2 0 10

0

50

100

150

200

250

300

350

400

450

500

# of Policies

% Change

Progressive Preferred Insurance CompanyPolicy Count by Percent Change in Premium*



1 2 0 3 1 2 1 5 11 14 13 28 51 128 277

996

3,593

500

8,49

3

5,93

52,428

1,065

520

292

170

117

88 55 41 34 20 13 14 14 5 9 6 7 5 4 4 2 1 0 0 1 1 1 1 0 0 7

0

1,000

2,000

3,000

4,000

5,000

6,000

7,000

8,000

9,000

# of Policies

% Change

Progressive Advanced Insurance CompanyPolicy Count by Dollar Change in Premium*

Maximum Change: $881


1 0 1 0 0 1 1 0 3 2 2 3 10 29 49 69 105 253 48

9

877

1,35

5

1,87

6

500

3,16

9

4,83

6

4,15

4

2,58

6

1,57

4

919

634

489

286

179

137

86 65 37 24 27 32 27 23 11 10 9 9 8 5 17

0

1,000

2,000

3,000

4,000

5,000

6,000

# of Policies

% Change

Progressive Advanced Insurance CompanyPolicy Count by Percent Change in Premium*



Progressive Advanced Insurance Company

Rule Number: B02.01.00.01 Rule Description: Installment Fee For policies on installment plans, a fee will be charged on all payments after the new business down payment, including the renewal down payment. Installment fees are charged in addition to premium. Fees vary by the type of payment plan (non-EFT "paper" and EFT) and by prior insurance classification (rule P15) in effect when the payment plan is selected or the policy is renewed.

Type of Payment

Prior Insurance Other than

EFT EFT

C $8 $4

A or B $5 $1


Rule Number: D04.02.02.09 Rule Description: Driving Record Classification Chargeable Period - the 35-month period prior to policy term inception. For drivers who are endorsed onto the policy, until the next policy term, their chargeable period will be 35 months prior to the date on which they are added to the policy. Chargeable Date - the occurrence date is used to determine if the accident or violation took place in the chargeable period. If the date is not furnished on the application, the occurrence date will be deemed to be the day before the inception date of the policy unless the Company obtains another date from a consumer report (which it has no duty to obtain). For driver's added midterm, if the violation date is unknown or not provided, the occurrence date will be the day before the date the driver is added to the policy. MVR/Court Data/Claims Loss History Report Reconciliations - accidents and violations listed on the application will be reconciled with similar accidents and violations obtained from a consumer report to avoid duplication. When reconciliation occurs, the accidents and violations will be assigned the date of occurrence listed on the consumer report. If reconciliation does not occur, accidents and violations listed on the application and/or the consumer reports will be considered separate violations. Same Day Offenses - if an occurrence results in multiple violations or accidents that are assigned to the same driver, the driving record points for that occurrence will be based on the violation or accident with the highest bodily injury point charge. Source of Points - Accidents or violations occurring while a driver is operating a private passenger auto, commercial vehicle, motorcycle or recreational vehicle will be charged. At-Fault Accidents:

A. New Business and Newly Added Drivers - Accidents noted on the MVR, from court data, or on the application will be deemed to be at-fault unless proof is received to verify that the insured was not-at-fault. Accidents noted on the claims loss history report will be deemed to be at-fault if payments in the amount of at least $1,550 were made under personal injury, liability or collision coverages. At fault accidents where payment under personal injury, liability or collision coverage is less than $1,550, are classified as At-Fault Not Chargeable (AFN) and are not charged or included with the Not At Fault group. However, if any collision only claims have a $0 payout, or if amounts paid under collision only claims have been subrogated, those accidents will be deemed to be not-at-fault. Accidents involving hitting another vehicle or object as a result of swerving to avoid an animal are at-fault.

Accidents which are not considered to be at-fault include, but are not limited to, the following: 1. the accident was caused by collision with a bird or animal; 2. the automobile was lawfully parked; 3. the automobile was struck in the rear by another vehicle and the driver of the automobile

which was struck in the rear was not convicted of a moving violation in connection with the accident;


Rule Number: D04.02.02.09 Rule Description: Driving Record Classification (Continued)

4. the automobile was struck by a "hit-and-run" driver and the accident was reported to the proper authorities within 24 hours;

5. the driver of the automobile was not convicted of a moving traffic violation in connection

with the accident, but the driver of another vehicle involved in the accident was convicted of a moving traffic violation; and

6. the driver was at fault but the accident is not chargeable under applicable state laws and

regulations or other Company procedures.

B. Renewal Business – accidents reported to the Company will be deemed as a Progressive At-fault if we determine our insured is at least 51% liable for the accident. Accidents reported for a driver not listed on the policy will be classified as permissive use. Newly discovered accidents noted only on an MVR or from court data when obtained at renewal will be deemed non-chargeable. A newly discovered accident noted on the claims loss history report when obtained at renewal will be added only if the accident occurred prior to the driver being specified as having coverage under the policy and the driver was at-fault.

Convictions- convictions are classified as minor violations (routine traffic infractions like speeding or failure to yield) and major violations (incidents which suggest the presence of a materially increased risk in a motorist). The following infractions of Title 75 of the Pennsylvania Consolidated Statutes are considered major violations: Section Description 1371 Operating vehicle after registration suspended 1501(a) Driving without a license 1532(a)(1) Felony involving a motor vehicle 1543 Driving while license suspended or revoked 1547(b) Refusal to submit to chemical test for alcohol or controlled substance 1573 Displaying foreign license during suspension 1574 Permitting an unauthorized person to drive 1575 Permitting use of an unauthorized vehicle 3367 Racing on highways, including drag racing 3717 Trespass by motor vehicle 3732 Vehicular homicide 3733 Fleeing or attempting to elude a police officer 3734 Driving without lights to avoid arrest 3735 Vehicular homicide while driving while intoxicated 3736 Reckless driving 3742 Leaving accident scene involving death or injury 3743 Leaving accident scene involving attended vehicle 3744 Failure to give information and render aid 3746 Failure to report accident to police department 7102(b) Removal or falsification of VIN 7103(b) Dealing in vehicles with removed/falsified VIN 7111 Dealing in titles or plates for stolen vehicles 7121 False application for titles or registration 7122 Altering, forging, or counterfeiting documents or plates All other traffic infractions are considered minor violations.


Rule Number: D04.02.02.09 Rule Description: Driving Record Classification (Continued) Emergency Vehicle Operation – if the Company is notified of the circumstances of an accident by the applicant or insured, accidents occurring while a driver is operating an emergency vehicle (including without limitation an ambulance, police car, EMS vehicle, or fire department vehicle) in the line of duty will not be considered as part of the driving record. Driving While Intoxicated- operators will be charged with a Driving While Intoxicated (DWI) infraction for conviction under section 3731 (Driving under influence of alcohol or controlled substance), notice of Section 1534 (Acceptance of Accelerated Rehabilitative Disposition), or any similar infraction. Mid-term Driving History Re-evaluation - At the named insured’s request during a policy term, the Company will re-evaluate the driving history of all drivers on the policy by removing points associated with accidents and violations that occurred more than 35 months prior to the date of re-evaluation if none of the drivers have had new accidents or violations since the premium for that policy term was determined. The policy premium shall be adjusted accordingly, as of the date of the named insured’s request, based on the revised point total. Violation Classification- Violations are classified into groups. Point assignments are made based on the violation group. Refer to the rates filing for application of points. Clean Driver Classification- Drivers with zero BI/PD points are classified as “clean” drivers.


Rule Number: D06.01.00.13 Rule Description: Driver Violation Descriptions The following chart lists the violation codes and their associated descriptions: Violation Code Violation Description

AAF At Fault Accident

AFM Accident found on MVR only at renewal - Not Chargeable

AFN At Fault Accident - Not Chargeable

ANC Waived Claim – Closed

ANO Waived Claim – Open

ARD Accel Rehab Disposition

ASW Accident Surcharge Waived

CMP Comprehensive Claim

CMU Comprehensive Claim Less Than $1000

CRD Careless or Improper Operation

DEQ Defective Equipment

DEV Traffic Device/Sign

DR Drag Racing

DWI Drive Under Influence

FDL Foreign Drivers Lic

FEL Auto Theft/Felony Motor Vehicle

FLE Fleeing from Police

FTC Following Too Close

FTY Failure to Yield

HOM Vehicular Homicide

IBK Improper Backing

IP Improper Passing

IT Improper Turn

LIC License/Credentials Violation

LTP Leaving the Scene/Property Damage Only

LTS Leaving the Scene

MAJ Other Serious Violation

MMV Minor Moving Violation

NAF Not At Fault Accident

NFX Waived Not At Fault Accident

PUA Permissive Use At Fault Accident

PUN Permissive Use Not At Fault Accident

REF Refusal to Test

RKD Reckless Driving

SAF Safety Violation

SCH Passing School Bus

SLV Serious License Violations

SPD Speeding

SUS Driving Under Suspension

TMP Dispute - At Fault Accident

UDR Unverifiable Record

WSR Wrong Way on a One Way Street


Rule Number: D11.03.00.00 Rule Description: Minor Child Discount A single, eligible to be rated driver who is under the age of 19 and a child of the primary named insured, will be rated with the Minor Child Discount if the policy qualifies for a Gold, Platinum 1, Platinum 2, or Diamond level Continuous Insurance Discount (rule P34). For existing customers who meet the introductory criteria described above, the discount will fully be applied (i.e. the Rate Stability rule (rule P23) will not neutralize its initial effect). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P07.03.00.00 Rule Description: Named Non-owner Coverage Named non-owner coverage is available for individuals who do not own a vehicle. Coverage under the policy is limited by the filed Named Non-Owner Coverage Endorsement. Comprehensive and collision coverage are not available. Named non-owner coverage is not available if the insured operates a vehicle used for business use. Named non-owner coverage is rated with vehicle make symbol, model symbol, and style symbol 66 and is not subject to luxury vehicle classification. Named non-owner coverage is not available at the time of new policy purchase but is available to existing customers who choose to endorse all vehicles off of the policy.


Rule Number: P15.01.02.00 Rule Description: Prior Insurance Classification Prior Insurance Classification refers to the number of days the primary named insured or spouse was without private passenger auto liability insurance during the six months immediately preceding the inception of the Company policy. Only classifications of A and B will be considered to have prior insurance. If the Prior Insurance Classification differs between the primary named insured and spouse, the Company will use the more favorable of the two. The classifications are as follows:

Number of days without insurance Classification Prior Insurance 0 A Y

1-31 B Y no prior insurance or > 31 days without C N

Refer to the Progressive as Proof of Prior (rule P16) and Compliant Without Insurance (rule P17) for prior insurance classification exceptions.

Prior Insurance Classification is automatically reevaluated at each renewal when a named insured or spouse has been insured by the Company for 36 months until a classification of “A” is assigned. A classification of "A" (0 days lapse) will be assigned provided that:

a) there have been no late payments or NSF payments on the policy during the 24 months preceding 2 months before the renewal effective date, and

b) no eligible to be rated driver on the policy has had any pointed violations or pointed accidents in the preceding 24 months, and

c) there are no comprehensive claims or Permissive Use At Fault Accidents in the preceding 24 months.


Rule Number: P18.03.00.04 Rule Description: Accident Surcharge Waiver Under Accident Surcharge Waiver, the Company will not charge for an At-Fault Accident at renewal if the policy meets the following conditions:

A. The named insured or spouse has been insured by the Company for at least 59 months prior to the renewal effective date;

B. None of the eligible to be rated drivers have any occurrences of AAF, MAJ, MIN, SPD, DWI, or

NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded; or an ASW, during the chargeable period prior to the date the accident being waived is first applied;

C. There are no Permissive Use At Fault Accident codes on the policy during the chargeable period

prior to the date the accident being waived is first applied; and D. The At-Fault Accident claim was reported to the Company. E. There are no AFN violation codes for drivers added after the inception date, prior to the date they

were added within the chargeable period.

Claims previously added to a policy are subject to the Accident Surcharge waiving criteria in effect and filed at that time.


Rule Number: P22.01.00.01 Rule Description: Remarketing at Renewal After named insured or spouse has been insured by Company for 60 months, all qualifying policies will automatically be re-underwritten using the current new business underwriting rules, and moved to the best tier they would now qualify for. If a policy is moved to a better tier, it will be reevaluated again in another 60 months. Policies not moved to a better tier will be reevaluated for better tier placement at each subsequent renewal. No policyholder will be moved to a higher rated tier at renewal. Qualifying policies are those that (i) have no late payments or NSF payments on the policy and (ii) have no rated driver on the policy that has had any pointed violations or accidents in the preceding 24 months.


Rule Number: P23.00.03.16 Rule Description: Rate Stability 1.0: Definition of Terms Expiring Term Rate (ETR) – The rate determined by applying the Policy Data Profile (defined below) that was used to determine the expiring term’s rate to the rate plan that was current at the inception of the expiring term. The rate plan shall include the RSF that was used to determine the RR in the expiring policy term. Preliminary Renewal Rate (PRR) – The rate determined by applying the Policy Data Profile from the expiring policy term to the rate plan used to determine the rate for the renewal term. Unlike the ETR, the rate plan shall not include the preceding policy term’s rate stability factor (RSF) or any other elements of the rate stabilization model. Preliminary Rate Stability Factor (PRSF) – ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). PRSF is determined at the vehicle/coverage level. Policy Level PRSF –The premium weighted average Preliminary Rate Stability Factor using Preliminary Renewal Rate across all coverages for weighting. For coverages not stabilized the PRSF is 1.0. Rates for all coverages are included for this calculation. Unstabilized coverages are included in this calculation. Unstabilized Rate (UR) – The rate associated with the renewal term data profile elements and the renewal term rate plan with stability factor equal to 1.00. Rate Stability Factor – The factor applied to a policy’s rate by coverage and vehicle. The calculation is described in sections 2.0 and 3.0. Determined at the vehicle/coverage level. Policy Data Profile is comprised of characteristics that define the policy, driver, vehicle, and coverage conditions. These characteristics are:

Drivers and Driver changes Driver class (age, marital status) Driving record (accidents and violations) License status Coverage History Consumer Report Information Claims History Homeownership Association Discount Tenure based treatments Coverages Purchased Exclusion of Driver(s) Other Progressive Policies Limits/deductibles Vehicle/driver level discounts and surcharges Payment method and history discounts and surcharges Underwriting Tier Prior Carrier Prior insurance information Vehicles: Make, Model, Model Year, Usage Anti-theft device Garaging and Mailing Address Paperless Financial Responsibility Filing Surcharge Education Good Student Discount Occupation

2.0: Application of the Rate Stability Factor The rate stabilization feature only applies to renewal business by vehicle and coverage.


Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) For policies with a 6 month term, the RSF for the first term renewal equals ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). The RSF for renewals between conversion calculations also equal ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). For policies that have been in force more than 3 years on the effective date of this Rule, the anniversary date of the policy shall be the policy inception date plus 3 years. For all other policies the anniversary date of the policy shall be deemed to be the policy inception date. The rates for the following coverages will be stabilized individually: Bodily Injury Liability, Property Damage Liability, Medical Benefits, Comprehensive, and Collision. Uninsured Motorist and Underinsured Motorist coverages are stabilized together. Combination FPB Package, Income Loss, Accidental Death, Funeral Benefits and Extraordinary Medical coverages are stabilized together. No other coverages are stabilized. The rate charged to the insured equals UR times the rate stability factor. All calculations of the RSF shall be rounded to three decimal places. 3.0: Convergence Mechanics 3.1: Annual Convergence At each twelve month renewal anniversary a calibration is performed. The rate stability factor is calculated as indicated below. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF <= 0.800 Min (PRSF times 1.10 , 1.00) 0.801 to 0.870 Min (PRSF times 1.05 , 1.00) 0.871 to 1.175 PRSF 1.176 to 1.332 Max( PRSF times 0.95 , 1.00) >=1.333 Max( PRSF times 0.90 , 1.00) *Only used to decide how to calculate coverage/vehicle level RSF. 3.2: 36 Month Convergence At each 36 month renewal anniversary a different calibration is performed than that described in section 3.1 Annual Convergence. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF < 0.800 Min (PRSF times 1.10 , 1.00) 0.801 to 0.952 1.05 0.953 to 1.052 1.00 1.053 to 1.332 0.95 >=1.333 0.90 *Only used to decide how to calculate coverage/vehicle level RSF. 4.0: Vehicle and Coverage Endorsements. RSF of 1.00 will be used for vehicles or coverages added by endorsement. 5.0: Enhancements Not Stabilized. The initial addition of Paperless Discount, Good Student Discount, Minor Child Discount, Distant Student Discount, Multi-Policy Discount, Occupation or Education is not stabilized. Once each in force policy has renewed after the effective date of the product change, subsequent changes to the factors implementing these discounts, or surcharges are handled by this Rule like other rate plan changes.


Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) 6.0: Rate Level Adjustment Factor. A Rate Level Adjustment Factor (RLAF) is applied at the vehicle/coverage level, though it is uniform for all vehicles. This factor is applied to all in-force policies with the coverage only upon their first renewal into a new rate revision. The RLAF will be specified in the Company’s rate filing.


Rule Number: P25.06.01.00 Rule Description: Multi-policy Discount A discount applies if a primary named insured or his or her spouse has a second policy (excluding policies written under the provision of any residual assigned risk plan or similar plan) from within the following policy groups:

PH = Progressive labeled homeowner, condo or renters (excludes dwelling fire policies) personal residential policy. SL = motorcycle, snowmobile, boat, travel trailer, motor home or mobile home written through the Progressive Group of Companies. OT = umbrella or commercial auto insurance written through the Progressive Group of Companies.

Each of the policy groups will be classified based on when the policies were purchased relative to the personal auto policy:

I = prior to or during the initial term of the auto policy. R = during any renewal term of the auto policy. X = no policies have been purchased, or were still in force at renewal.

The availability of the discount is determined at new business and each renewal. For existing customers who meet the introductory criteria described above, the discount will fully be applied. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P31.04.00.00 Rule Description: E-Signature Discount An E-Signature discount applies if the named insured agrees, at time of sale, to electronically sign all necessary policy forms. This discount will be applied for the duration of the first term policy only, and will be treated as a data profile change as described in rule P23. The discount will not be granted to customers purchasing a new policy within 31 days of being insured by the Company unless one of the following reasons, relative to that previous Company policy, applies:

1. The insured had previously been insured by the Company on their parent’s or child’s policy; 2. The insured has had a change in marital status; 3. The insured had previously been insured with the Company under a Commercial Lines policy; 4. The new policy is being written to add a 5th car to an existing policy (issued prior to our ability to accept more

than 4 vehicles on a single policy); or 5. Insured moves to another state.

Eligibility:

A. The insured must provide an internet mailing address through which the insured and the Company can exchange communications.

B. For purposes of electronic authentication, the insured must be able to answer sufficient questions to prove their identity to the Company.

Insureds will receive the discount if one of the following criteria is met:

A. Insured electronically signs all necessary forms within 21 days of date of purchase; or B. Insured agrees at time of sale to sign all necessary forms electronically and initiates the electronic

signing process by logging on to the Company's service website within 21 days of date of purchase, whether the signing process is successful or not.

Failure to meet one of these requirements will result in the removal of the discount. Refer to the rates filing for the coverages to which this discount is applied.


Rule Number: P34.03.00.00 Rule Description: Continuous Insurance Discount New Business At new business, the Continuous Insurance Discount is calculated by determining the length of time the primary named insured or spouse has been continuously covered under private passenger automobile liability insurance policies issued by the insurer immediately prior to the Company. In order to qualify for the Discount at new business, the policy must qualify for prior insurance classification A or B (rule P15). The four levels for New Business Continuous Insurance Discount are as follows:

Platinum 2 Select: 60 or more months of Continuous Insurance Platinum 1 Select: 36-59 months of Continuous Insurance Gold Select: 12-35 months of Continuous Insurance Silver Select: 0-11 months of Continuous Insurance

Renewal At renewal, the discount level will be determined by the following criteria: • If, at new business, the policy received the Platinum 2 Select Discount Level, the policy will remain in the

Platinum 2 Select until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will move up to the Diamond Select Level;

• If, at new business, the policy qualified for the Platinum 1 Select Discount Level, the policy will remain in the Platinum 1 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level;

• If, at new business, the policy qualified for the Gold Select Discount Level, the policy will remain in the Gold Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level. The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level;

• If, at new business, the policy qualified for the Silver Select Discount Level, the policy will remain in the Silver Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Discount Level. The policy will then remain in the Gold Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level; The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level; or

• A policy that did not qualify for the Discount at new business will obtain the Silver Discount Level at the first renewal, if a 6 month policy term, or the Gold Discount level at the first renewal, if a 12 month policy term. A policy that renews with the Silver Business Discount Level will remain in that level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Discount Level. All policies will then remain in the Gold Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level; The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level.

A policy at the Platinum New Business Discount level that is renewing into the product where the Platinum 2 Select Discount level is available for the first time will be moved up to Platinum 2 Select Discount.

If the prior insurer was the Company or its affiliate, the Company tenure associated with the primary named insured's or spouse's previous policies will be used to determine Continuous Insurance at new business. If the company tenure is greater than or equal to 60 months, the policy will received Diamond Select Level Discount.

Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P36.15.02.02 Rule Description: Three – year Safe Driving Discount This discount applies if all of the following conditions are met:

A. None of the eligible to be rated drivers have any occurrences of AAF, MAJ, DWI or NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded.

B. There are no Permissive Use At Fault Accident codes on the policy during the chargeable period. C. None of the eligible to be rated drivers has more than one occurrence of a MIN or SPD class code during

the chargeable period.

D. The prior insurance classification (rule P15) is “A” or “B” or the named insured or spouse has been insured by the Company for at least 24 months prior to the inception of the term; and

E. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum

unsupervised license age plus 3 years. This discount will be removed if any of the following conditions are met:

A. Any of the eligible to be rated drivers have any occurrence of AAF, MAJ, DWI or NAF class codes during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded.

B. There is a Permissive Use At Fault Accident on the policy during the chargeable period.

C. One of the eligible to be rated drivers has more than one occurrence of a MIN or SPD class code during the chargeable period.

D. The age of one or more eligible to be rated drivers is not greater than or equal to the state minimum unsupervised license age plus 3 years.

For existing customers, an occurrence of a NAF class code that was applied to the policy prior to the introduction of this rule will not cause the discount to be removed. For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident/violation free for 35 months, the discount will fully be applied (i.e. Rate Stability (rule P23) will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident/violation free for 35 months, the discount will be subject to Rate Stability (rule P23). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P51.00.01.00 Rule Description: Deductible Savings Bank Deductible Savings Bank is an optional feature that may be purchased to reduce a customer's deductible. Six month policy terms will earn a $50 Deductible Savings Bank benefit and twelve month terms will earn $100 for every term where none of the eligible to be rated drivers have any newly added occurrences of AAF, MAJ, MIN, SPD, DWI or NAF class codes; and there are no newly added Permissive Use violation codes on the policy. FDL and UDR violation codes will not be used to determine eligibility for this benefit. Customers will only be eligible for this benefit if it is in place on the date the Company calculates the renewal premium. To be eligible to purchase the Deductible Savings Bank feature the policy must have at least one motor vehicle with Collision coverage and a minimum deductible of $500 on all vehicles with either Collision or Comprehensive coverage. Customers will accumulate this deductible savings bank benefit and the contents will be used to offset any applicable deductibles for Comprehensive or Collision claims paid by the same policy. The contents of the deductible savings bank can only be used to offset any applicable deductibles while insured by the Company, and cannot be redeemed by the customer for any other purpose. If the policy cancels or expires, the deductible savings bank is eliminated and the customer is not entitled to any remaining amount. The balance of the savings bank will be reduced at the next renewal event by any amount used to reduce applicable Comprehensive/Collision deductibles during the previous term. Reductions to the savings bank will be based on the balance available during the policy term when the claim occurred. Policies that do not purchase the Deductible Savings Bank will not be assigned a factor in the rate order of calculation.


Rule Number: P53.00.01.00 Rule Description: Non-Progressive NAF/CMP Factor A Non-Progressive NAF/CMP rating factor will be applied to all policies based on the number of Not at Fault accidents (NAF) and Comprehensive claims (CMP) during the chargeable period for all eligible to be rated drivers, prior to becoming insured with the company. For customers who rewrite a policy with the Company for a reason other than a move to a new state of residence, the number of NAF and CMP include those which occurred prior to the rewrite effective date. For customers who rewrite a policy with the Company because they moved to a new state of residence, the number of NAF and CMP include only those which occurred prior to the inception of that customer's Company policy that immediately preceded the rewrite policy. NAF's and CMP's that occur on the same day as another pointed violation or accident (rule D04) will not be counted. Refer to the Rates Filing for factors and applicable coverages.


Rule Number: P54.00.01.00 Rule Description: Non-Progressive AAFs and Non-Progressive NAFs Rating Factor The number of At Fault Accidents (AAF) and Not at Fault accidents (NAF) are counted for all eligible to be rated drivers. AAFs and NAFs that occur in the preceding 12 months from the driver add date will be counted, and those counts will only be applied for the subsequent 12 months. For the purposes of this rule NAF claims that are not chargeable or occur after the eligible-to-be-rated driver is insured by the Company will not be counted. AAF claims that occur after the eligible-to-be-rated driver is insured by the Company will not be counted. NAF and AAF counts will only be used during the first 12 months from new business policy inception.


Rule Number: P56.00.00.00 Rule Description: Length of Vehicle Ownership Rating Factor Length of Vehicle Ownership is based on the length of time the vehicle has been owned or leased at the time on which the vehicle is added to the policy. The Length of Vehicle Ownership will be classified into one of the following four categories: A - less than 1 year B - 1-2 years

C - 3-4 years D - 5 or more years

Policies written prior to the introduction of this rule are not subject to a Length of Vehicle Ownership Factor.



Rule Number: P58.03.00.00 Rule Description: New Business Five Year Accident Free Discount This discount will be applied at time of sale or within 31 days of new business term effective date if all of the following conditions are met:

A. None of the eligible to be rated drivers have any occurrences of an at-fault accident (rule D04) during the accident evaluation period. The accident evaluation period is the 59 month period prior to policy term inception. For drivers who are endorsed onto the policy within 31 days of the new business effective date, their accident evaluation period will be 59 months prior to the date on which they are added to the policy;

B. None of the eligible to be rated drivers have any occurrences of a NAF class code during the

chargeable period (rule D04), prior to becoming insured with the Company; C. None of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a

foreign driver’s license (rule D05) during the chargeable period (rule D04);

D. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum unsupervised license age plus 5 years; and

E. The prior insurance classification (rule P15) is “A” or “B”.

This discount will be removed at renewal or within 31 days of the new business term effective date if any of the following conditions are met:

A. Any of the eligible to be rated drivers have any occurrences of an at-fault accident (rule D04) during the accident evaluation period.

B. There is a Permissive Use At Fault Accident on the policy during the chargeable period (rule D04). C. Any of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a

foreign driver’s license during the chargeable period.

D. None of the eligible to be rated drivers are greater than or equal to the state minimum unsupervised license age plus 5 years.

E. The prior insurance classification (rule P15) is "C".

A policy receiving a benefit for being Five Year Accident Free (former Rule P38) and renewing into the product where this Rule (P58) is available for the first time, and that is not subject to the removal criteria described in A through E above, will be converted to the New Business Five Year Accident Free Discount at renewal. For those customers that were previously receiving a benefit for being accident free for 59 months, the discount will be subject to Rate Stability (rule P23). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P59.01.00.00 Rule Description: Five Year Claim Free Discount This discount will be applied if all of the following conditions are met:

A. None of the eligible to be rated drivers have any occurrences of an at-fault accident (rule D04) during the accident evaluation period. The accident evaluation period is the 59 months prior to policy term inception. For drivers who are endorsed onto the policy, until the next policy term, their accident evaluation period will be 59 months prior to the date on which they are added to the policy;

B. None of the eligible to be rated drivers have any occurrences of a NAF class codes, during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded;

C. There are no Permissive Use At Fault Accidents on the policy during the chargeable period (rule D04);

D. None of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a foreign driver’s license (rule D05) during the chargeable period (rule D04);

E. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum unsupervised license age plus 5 years; and

F. The prior insurance classification (rule P15) is “A” or “B”; and the current policy has been active for at least 60 months.

This discount will be removed if any of the following conditions are met:


B. Any of the eligible to be rated drivers have any occurrences of a NAF class code during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy (or for drivers added after the inception date, the date they were added), are excluded.

C. There is a Permissive Use At Fault Accident on the policy during the chargeable period (rule D04).

D. Any of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a foreign driver’s license (rule D05) during the chargeable period (rule D04).

E. None of the eligible to be rated drivers are greater than or equal to the state minimum unsupervised license age plus 5 years.

NAF class codes applied to policies that incepted prior to 12/18/2015 will not cause the discount to be removed.

For those customers that were previously receiving a benefit for being accident free for 59 months, the discount will be subject to Rate Stability (rule P23).



Rule Number: P70.00.00.00 Rule Description: Mailing Type For the purposes of this rule, mailing zip codes are classified into two mailing types:

P: P.O Box and Military Addresses

O: All other addresses


Rule Number: V01.01.01.00 Rule Description: Vehicle Classification Vehicle symbols will be assigned to all vehicles. Make symbol: This identifies the vehicle make. Model symbol: This identifies the vehicle model. Style symbol: This identifies the vehicle body type, wheel drive, and number of cylinders. Auxiliary symbol: As set forth in section B, this identifies which vehicle rating factors should be applied if the

motor vehicle is not identified in the rate factor pages as defined in section A and are not rated as make, model and style symbols 67, 68 or 69.

A. Vehicle symbols and a luxury vehicle indicator will be assigned to all vehicles. When any vehicle is

classified as being a luxury vehicle, a "Luxury Vehicle on Policy" indicator will also be set.

B. For new model releases without a model in the previous model year, and for new versions of models from the previous model year, the Company will assign the auxiliary symbol based on the corresponding auxiliary symbol factors. These factors are what the Company believes are most appropriate for the vehicle based on similar vehicle makes and vehicle models. The auxiliary symbol factor will be used until the make symbol, model symbol, style symbol and vehicle model year are filed in the rate factor pages as defined in section A.

C. Vehicles which require only Liability coverage and are pre-1981 model year vehicles; limited production;

exotic; classic or collectible vehicles which do not appear on the symbol list are rated with make, model and style symbol 69.

D. Stated amount vehicles (rule V04) will receive make, model, and style symbols 67 and 68 as follows: 1. Stated amount vehicles, other than conversion vehicles, that have physical damage or liability and physical damage coverage are assigned a make symbol, model symbol, and style symbol 67;

2. Stated amount vehicles that are conversion vehicles with physical damage or liability and physical damage coverage are assigned a make symbol, model symbol, and style symbol 68.

E. Stated amount vehicles will not be classified as luxury vehicles. F. Grey Market vehicles are rated using the same symbol as would be used for a comparable U.S. vehicle. A

copy of the vehicle registration is required for binding to verify that the local jurisdiction's Department of Transportation safety requirements and Environmental Protection Agency emission standards are satisfied.



Rule Number: V03.01.01.00 Rule Description: Vehicle Age Vehicle Age is calculated by subtracting the Model Year for the automobile from the applicable Base Model Year. A Vehicle Age less than 0 will be rated at Vehicle Age 0. The applicable Base Model Year is specified in the filing used to determine the rate for the policy. Stated amount vehicles (rule V01), will receive a Vehicle Age Factor of 1.0 on COMP, COLL, and LOAN coverages in the rate order of calculation.


Rule Number: V12.00.01.00 Rule Description: Excess Vehicle Factor The driver count includes all eligible to be rated drivers, drivers with an issued named driver exclusion form, and list only drivers (rule D01), except persons that are known by the Company to be out of country, or under 21 and never licensed. The driver count also excludes drivers with learner’s permits as specified in Rule D02. If there are any drivers with an issued named driver exclusion form or drivers that have a list only reason other than out of country or under 21 never licensed, the rating factor for Excess Vehicle is set to 1.0. Otherwise, if the number of motor vehicles exceeds the number of drivers counted, then there are excess vehicles. The count of excess vehicles is the difference between the number of motor vehicles and the number of counted drivers. Which motor vehicles are considered excess is determined by applying the following criteria in the following order:

1. Oldest Model Year, or Oldest Model Years if there is more than one excess vehicle 2. Lowest BI Symbol factor, or Lowest BI Symbol factors if there is more than one excess vehicle 3. Last Vehicle Listed



Rule Number: V13.08.01.01 Rule Description: Usage Based Insurance The usage-based insurance (UBI) program utilizes company approved technology to obtain vehicle information including, but not limited to, the time of day and speed at which the vehicle is operated. With the exception of vehicles that are symboled as 67, 68, or 69 (as defined in rule V01), any vehicle that is compatible with company approved technology and is garaged in a location with adequate cellular coverage is eligible for the UBI program. The insured must also provide a valid email address. Agents must be certified to offer the UBI program. A New Business Participation Discount will be applied to enrolled vehicles if enrollment in the UBI program occurs during the quote process and the vehicle does not already have a driver safety score. The New Business Participation Discount is only applied for the first term while the vehicle is actively enrolled in the UBI program. The New Business Participation Discount will only be applied once per vehicle. If the vehicle has a driver safety score at the time of new business quote and further data collection is required, or if it had been enrolled in the previous UBI model (with the promise of a 30 day assessment), an “initial” UBI Tier is applied. If the vehicle has a driver safety score at the time of new business quote and further data collection is not required, a "Renewal" UBI Tier rating factor is applied. Any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Driver safety scores from various sources are adjusted to assure similar outcomes. If the vehicle has the minimum required amount of data collection at the first renewal after enrollment, any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Minimum required amount of data collection is defined as 75 days. The 75 days include the initial 30 days of data collection listed above. The 75 days are calculated using 6,480,000 seconds of connectivity, but the seconds do not have to be consecutive. If the vehicle does not have the minimum required amount of data collection, the vehicle will be evaluated again at the next renewal. If the vehicle still does not meet the minimum data collection requirement, the vehicle will be withdrawn from the UBI program. The tiers and factors will be determined by the rate revision filing applicable to the policy term prior to the term they are applied. If an insured withdraws a vehicle from the UBI program more than 45 days after enrollment or inactivates the company approved technology for a 45 day period or the insured doesn’t begin data collection within 45 days after enrollment, the vehicle will be withdrawn from the UBI program. Vehicles with achieved UBI discounts under previous UBI models, will be mapped to UBI rating tiers 301 – 361 according to the previously achieved UBI discount. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: X02.02.00.00 Rule Description: Prior BI Limits Prior Insurance BI Limits refers to the BI limits provided by the insurance policy immediately preceding the inception of the Company policy. For existing policies where Prior Insurance BI Limits were not previously collected, the Company will use the BI limits from the expiring term. The prior BI limits are classified as follows:

Prior BI Limits ClassificationState minimum limits or Compliant without Insurance (rule P17) 1 Greater than minimum but less than 50/100 2 Greater than or equal to 50/100, but less than 100/300 or 100 CSL 3 Greater than or equal to 100/300 or 100 CSL, but less than 250/500 or 300 CSL 4 Greater than or equal to 250/500 or 300 CSL 5 No Prior insurance or > 31 days without X Prior insurance without BI limits N

Prior Insurance BI Limit is automatically re-evaluated when a named insured or spouse has been insured by the Company for 36 months. The limits carried by the named insured with the Company on the expiring policy will be assigned provided that:

a) the Company limits are the same or higher than the current Prior BI Limits classification; b) there have been no late payment fees or NSF fees on the policy during the 24 months preceding 2

months before the renewal effective date; c) no eligible to be rated driver on the policy has had any pointed violations, pointed accidents, or

comprehensive claims (CMP) in the preceding 24 months; and d) there have been no Permissive Use At Fault Accidents in the preceding 24 months.

For the purpose of this rule, CMPs that are not chargeable will not be counted. Secondary policies, for households with 5 or more cars (issued prior to our ability to accept more than 4 vehicles on a single policy), were given the same prior insurance classification as the primary policy.


Rule Number: X07.01.00.00 Rule Description: Payment Behaviors Payment Behaviors are occurrences within the most recent 2 terms for 6 month policies, and the most recent term for a 12 month policy, of Nonpayment Cancel notices and Reinstates After Cancellation for Nonpayment (P11).


Rule Number: X08.00.00.00 Rule Description: Vehicle Endorsements Vehicle endorsements are counts of mid-term motor vehicle additions or replacements, with differing effective dates, made after the inception date of the policy and in the 12 months preceding renewal. Vehicle endorsements processed prior to 6/28/2013 will not be considered.


Rule Number: X11.00.01.01 Rule Description: Rewrite Reasons A Rewrite Reason will be assigned at new business to policies on which the named insured or spouse was insured by the Company within the preceding 31 days. For purposes of this rule, rewrite reasons are defined as:

C = The insured had previously been insured by the Company on their parent's or child's policy, had a change in marital status, had previously been insured with the Company under a Commercial Lines policy; or is adding a 5th car (prior to our ability to accept more than 4 vehicles on a single policy)

O = Insured moves to another state R = Policy rewrites other than code C or O N = Not a rewrite


Rule Number: B02.01.01.00 Rule Description: Installment Fee For policies on installment plans, a fee will be charged on all payments billed installments after the new business down payment, including the billed renewal down payment. Installment fees are charged in addition to premium. Fees vary by the type of payment plan (non-EFT "paper" and EFT) and by prior insurance classification (rule P15) in effect when the payment plan is selected or the policy is renewed.

Type of Payment


EFT EFT

C $8 $4

A or B $5 $1













B. Renewal Business – accidents reported to the Company will be deemed as a Progressive aAt-fault if we determine our insured is at least 51% liable for the accident. Accidents reported for a driver not listed on the policy will be classified as permissive use. Newly discovered accidents noted only on an MVR or from court data when obtained at renewal will be deemed non-chargeable. A newly discovered accident noted on the claims loss history report when obtained at renewal will be added only if the accident occurred prior to the driver being specified as having coverage under the policy and the driver was at-fault.







AFM Accident found on MVR only at renewal - Notn Chargeable Accident

AFN At Fault Accident - Not Chargeable - Under $1450 threshold










DR Drag Racing









IP Improper Passing

IT Improper Turn










REF Refusal to Test





SPD Speeding






Rule Number: D11.03.00.00 Rule Description: Minor Child Discount A single, eligible to be rated driver who is under the age of 19 and a child of the primary named insured, will be rated with the Minor Child Discount if the policy qualifies for a Gold, Platinum 1, Platinum 2, or Diamond or White Diamond level Continuous Insurance Discount (rule P34). For existing customers who meet the introductory criteria described above, the discount will fully be applied (i.e. the Rate Stability rule (rule P23) will not neutralize its initial effect). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: D85 Rule Description: NAF/CMP Factor This factor is based on the number of NAF/CMP counts incurred by drivers on the Company policy during the 35 months preceding the new business inception date of Company policy. At each renewal, Company will review the age of each NAF/CMP count. Company will remove all counts that predate the date of the renewal policy by more than 35 months. The Factor will be adjusted at each renewal accordingly. NAF/CMP counts that occur during a Company term will NOT be added and will NOT be used to calculate this Factor. When a new driver is added to an existing Company policy, the NAF/CMP counts will be increased by the number of NAF/CMP counts that were incurred by the new driver during the 35 months preceding the new business inception date of Company policy and that were not more than 35 months old as of the beginning of the current renewal term. This is a driver level factor. It will vary as set forth in the corresponding table located in the rate factor pages.


Rule Number: P07.03.00.00 Rule Description: Named Non-owner Coverage Named non-owner coverage is available for individuals who do not own a vehicle. Coverage under the policy is limited by the filed Named Non-Owner Coverage Endorsement. Comprehensive and collision coverage are not available. Named non-owner coverage is not available if the insured operates a vehicle used for business use. Named non-owner coverage is rated with vehicle make symbol, model symbol, and style symbol 66 and is not subject to luxury vehicle classification. Named non-owner coverage is not available at the time of new policy purchase but is available to existing customers who choose to endorse all vehicles off of the policy.


Rule Number: P14 Rule Description: Preferred Status A policy is eligible for Preferred Status if all of the following conditions are met:

A. the policy has a prior insurance classification of “A” (rule P15); B. the named insured's primary residence is a house or condominium that is owned by the named insured

or resident spouse; and C. the total number of chargeable accidents and violations on the policy is equal to or less than the number

of vehicles on the policy. Additionally, all eligible to be rated drivers must meet all the following criteria:

A. no driver has more than 2 chargeable accidents or violations classified as SPD or MIN; B. no driver has more than 1 chargeable at fault accident; C. no driver has any violations classified as MAJ or DWI; D. no driver has a suspended or permanently revoked license; and E. no driver has a financial responsibility filing (e.g. SR22) (rule D07).

A policy will no longer be considered Preferred if any of the following conditions apply (the only reasons for losing Preferred Status):

A. a policy changes from prior insurance classification of “A” to “B” or “C” (rule P15); or B. any eligible to be rated driver:

1. has 2 or more chargeable at fault accidents; or 2. has a violation classified as MAJ or DWI; or 3. has a suspended or permanently revoked license (truancy or liquor violations excepted);

or 4. requests a financial responsibility filing (e.g. SR22) (rule D07).

Refer to the rates filing for violation code classifications. Only accidents and violations occurring in the 35-month period prior to policy effective date are considered for Preferred Status eligibility.



Number of days without insurance Classification Prior Insurance 0 A Y





b) no eligible to be rated driver on the policy has had any pointed violations or pointed accidents in the preceding 24 months., and



Rule Number: P18.03.00.04 Rule Description: Accident Surcharge Waiver Under Accident Surcharge Waiver, the Company will not charge an eligible to be rated driver with points for an At-Fault Accident at renewal if the policy meets the following conditions:



NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded; or an ASW, during the chargeable period prior to the date the accident being waived There were no other At-Fault or waived accidents on the policy during the 35 months prior to the renewal effective date the accident is first applied.;


prior to the date the accident being waived is first applied; and DC. The At-Fault Accident claim was reported to the Company.; D. The driver was an eligible-to-be-rated driver on the policy when the accident occurred. E. There are no AFN violation codes for drivers added after the inception date, prior to the date they







Drivers and Driver changes Driver class (age, marital status) Driving record (accidents and violations) License status Coverage History Consumer Report Information Claims History Homeownership Association Discount Tenure based treatments Coverages Purchased Exclusion of Driver(s) Other Progressive Policies Limits/deductibles Vehicle/driver level discounts and surcharges Payment method and history discounts and surcharges Underwriting Tier Prior Carrier Prior insurance information Vehicles: Make, Model, Model Year, Vehicle Age, Usage Anti-theft device Garaging and Mailing Address Paperless Financial Responsibility Filing Surcharge Education Good Student Discount Occupation



Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) For policies with a 6 month term, the RSF for the first term renewal equals ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). The RSF for renewals between conversion calculations also equal ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). For policies that have been in force more than 3 years on the effective date of this Rule, the anniversary date of the policy shall be the policy inception date plus 3 years. For all other policies the anniversary date of the policy shall be deemed to be the policy inception date. The rates for the following coverages will be stabilized individually: Bodily Injury Liability, Property Damage Liability, Medical Benefits, Comprehensive, and Collision. Uninsured Motorist and Underinsured Motorist coverages are stabilized together. Combination FPB Package, Income Loss, Accidental Death, Funeral Benefits and Extraordinary Medical coverages are stabilized together. No other coverages are stabilized. The rate charged to the insured equals UR times the rate stability factor. All calculations of the RSF shall be rounded to three decimal places. 3.0: Convergence Mechanics 3.1: Annual Convergence At each twelve month renewal anniversary a calibration is performed. The rate stability factor is calculated as indicated below. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF <= 0.750.800 Min (PRSF times 1.10 , 1.00) 0.751.801 to 0.850.870

Min (PRSF times 1.05 , 1.00)

0.851.871 to 1.1491.175

PRSF

1.1501.176 to 1.2491.332

Max( PRSF times 0.95 , 1.00)

>=1.2501.333 Max( PRSF times 0.90 , 1.00) *Only used to decide how to calculate coverage/vehicle level RSF. 3.2: 36 Month Convergence At each 36 month renewal anniversary a different calibration is performed than that described in section 3.1 Annual Convergence. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF < 0.9090.800 Min (PRSF times 1.10 , 1.00) >=0.9090.801 to 0.952 1.001.05 0.953 to 1.052 1.00 1.053 to 1.332 0.95 >=1.333 0.90 *Only used to decide how to calculate coverage/vehicle level RSF. 4.0: Vehicle and Coverage Endorsements. RSF of 1.00 will be used for vehicles or coverages added by endorsement. 5.0: Enhancements Not Stabilized. The initial addition of Paperless Discount, Good Student Discount, Minor Child Discount, Distant Student Discount, Multi-Policy Discount, Occupation or Education is not stabilized. Once each in force policy has renewed after the effective date of the product change, subsequent changes to the factors implementing these discounts, or surcharges are handled by this Rule like other rate plan changes.




Rule Number: P25.06.01.00 Rule Description: Multi-policy Discount A discount applies if a primary named insured or his or her spouse has a second policy (excluding policies written under the provision of any residual assigned risk plan or similar plan) from within the following policy groups:Progressive Group of Companies other than a personal auto policy. The discount also applies if the primary named insured or his or her spouse has a second policy with any of Progressive's private-labeled partnerships for personal Umbrella and/or private residence Homeowners insurance. The second policy must be a property and casualty policy and does not include policies written under the provisions of any residual market assigned risk plan or similar plan. Only one discount applies per policy. The availability of the discount is determined at new business and each renewal.






Rule Number: P31.04.00.00 Rule Description: E-Signature Discount An E-Signature discount applies if the named insured agrees, at time of sale, to electronically sign all necessary policy forms. This discount will be applied for the duration of the first term of the policy only, and will be treated as a data profile change as described in rule P23. The discount will not be granted to customers purchasing a new policy within 31 days of being insured by the Company unless one of the following reasons, relative to that previous Company policy, applies:

1. The insured had previously been insured by the Company on their parent’s or child’s policy; 2. The insured has had a change in marital status; 3. The insured had previously been insured with the Company under a Commercial Lines policy; 4. The new policy is being written to add a 5th car to an existing policy (issued prior to our ability to accept more

than 4 vehicles on a single policy); or 5. Insured moves to another state.

Eligibility:

A. The insured must provide an internet mailing address through which the insured and the Company can exchange communications.

B. For purposes of electronic authentication, the insured must be able to answer sufficient questions to prove their identity to the Company.

Insureds will receive the discount if one of the following criteria is met:

A. Insured electronically signs all necessary forms within 21 days of date of purchase; or B. Insured agrees at time of sale to sign all necessary forms electronically and initiates the electronic

signing process by logging on to the Company's service website within 21 days of date of purchase, whether the signing process is successful or not.

Failure to meet one of these requirements will result in the removal of the discount. Refer to the rates filing for the coverages to which this discount is applied.


Rule Number: P34.03.00.00 Rule Description: Continuous Insurance Discount New Business At new business, the Continuous Insurance Discount is calculated by determining the length of time the primary named insured or spouse has been continuously covered under private passenger automobile liability insurance policies issued by the insurer immediately prior to the Company. In order to qualify for the Discount at new business, the policy must qualify for prior insurance classification A or B (rule P15). The three four levels for New Business Continuous Insurance Discount are as follows:

Platinum 2 Select: 60 or more months of Continuous Insurance Platinum 1 Select: 36-59 or more months of Continuous Insurance Gold Select: 12-35 months of Continuous Insurance Silver Select: 0-11 months of Continuous Insurance


Platinum 2 Select until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will move up to the Diamond Select Level;

• If, at new business, the policy qualified for the Platinum New Business 1 Select Discount Level, the policy will remain in the Platinum New Business 1 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the White Diamond Renewal Discount Level;

• If, at new business, the policy qualified for the Gold New Business Select Discount Level, the policy will remain in the Gold New Business Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal 1 Discount Level. The policy will then remain in the Platinum Renewal 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the Diamond Renewal Discount Level;

• If, at new business, the policy qualified for the Silver New Business Select Discount Level, the policy will remain in the Silver New Business Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Renewal Discount Level. The policy will then remain in the Gold Renewal Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal 1 Discount Level; The policy will then remain in the Platinum Renewal1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the Diamond Renewal Discount Level; or

• A policy that did not qualify for the Discount at new business will obtain the Silver Renewal Discount Level at the first renewal, if a 6 month policy term, or the Gold Renewal Discount level at the first renewal, if a 12 month policy term. A policy that renews with the Silver Renewal Business Discount Level will remain in that level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Renewal Discount Level. All policies will then remain in the Gold Renewal Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal 1 Discount Level; The policy will then remain in the Platinum Renewal 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the Diamond Renewal Discount Level.

A policy at the Platinum New Business Discount level that is renewing into the product where the Platinum 2 Select Discount level is available for the first time will be moved up to Platinum 2 Select Discount.

If the prior insurer was the Company or its affiliate, the Company tenure associated with the primary named insured's or spouse's previous policies will be used to determine Continuous Insurance at new business. If the company tenure is greater than or equal to 48 60 months, the policy will received Diamond Select Level Renewal Discount.




A. None of the eligible to be rated drivers have any occurrences that have an of AAF, MAJ, DWI, or NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded. NAF class codes during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy (or for drivers added after the inception date, the date they were added) are excluded for determining this discount;

For policies that incepted prior to 03/25/2011, NAF class codes will not be considered for this discount.

B. There are no Permissive Use At Fault Accident codes on the policy during the chargeable period. B.C. None of the eligible to be rated drivers have has more than one occurrence of a MIN or SPD class code

during the chargeable period (rule DO4).

C.D.If the policy term is the new business term, Tthe prior insurance classification (rule P15) is “A” or “B” or the named insured or spouse has been insured by the Company for at least 24 months prior to the inception of the term; and .

If the policy term is a renewal term, and the policy incepted on or after 03/25/2011, then either:

1. the prior insurance classification (rule P15) is “A” or “B”, or 2. the named insured or spouse has been insured by the Company for at least 24 months prior to the inception of the term; and

D.E. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum

unsupervised license age plus 3 years. This discount will be removed if any of the following conditions are met:





For existing customers, an occurrence of a NAF class codes that was applied to the policy prior to the introduction of this rule will not cause the discount to be removed. For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident/violation free for 35 months, the discount will fully be applied (i.e. Rate Stability (rule P23) will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident/violation free for 35 months, the discount will be subject to Rate Stability (rule P23). The discount will be removed if an eligible to be rated driver who does not meet the criteria is endorsed on the policy. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P38 Rule Description: Five – year Accident Free Discount This discount applies if all of the following conditions are met:

A. None of the eligible to be rated drivers have any occurrences of an at-fault accident (rule D04) during a 59 month chargeable period. The 59 month chargeable period is the 59-month period prior to policy term inception. For drivers who are endorsed onto the policy, until the next policy term, their chargeable period will be 59 months prior to the date on which they are added to the policy.

B. None of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a

foreign driver’s license (rule D05) during the chargeable period (rule D04). C. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum

unsupervised license age plus 5 years; and D. The prior insurance classification (rule P15) is “A” or “B”; or the named insured or spouse has been

insured by the Company for at least 24 months prior to the inception of the term; and

For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident free for 59 months, the discount will fully be applied (i.e. Rate Stability (rule P23), will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident free for 59 months, the discount will be subject to Rate Stability (rule P23). The discount will be removed if an eligible to be rated driver who does not meet the criteria is endorsed on the policy. Refer to the rates filing for corresponding factors and coverages to which they apply.






























B. None of the eligible to be rated drivers have any occurrences of a NAF class codes, during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded



















Rule Number: V01.01.01.00 Rule Description: Vehicle Symbols Classification Vehicle symbols will be assigned to all vehicles. Make symbol: This identifies the vehicle make. Model symbol: This identifies the vehicle model. Style symbol: This identifies the vehicle body type, wheel drive, and number of cylinders. Auxiliary symbol: As set forth in section B, this identifies which vehicle rating factors should be applied if the


A. The make symbol, model symbol, style symbol, and vehicle model year are used to determine factors as set

forth in the rate factor pages. Vehicle symbols and a luxury vehicle indicator will be assigned to all vehicles. When any vehicle is classified as being a luxury vehicle, a "Luxury Vehicle on Policy" indicator will also be set.




D. Stated amount vehicles (rule V04) will receive make, model, and style symbols 67 and 68 as follows: 1. Stated amount vehicles, other than conversion vehicles, that have physical damage or liability and physical damage coverage are assigned a make symbol, model symbol, and style symbol 67; 2. Stated amount vehicles that are conversion vehicles with physical damage or liability and physical damage coverage are assigned a make symbol, model symbol, and style symbol 68.

E. Stated amount vehicles will not be classified as luxury vehicles. EF. Grey Market vehicles are rated using the same symbol as would be used for a comparable U.S. vehicle. A




Rule Number: V03.01.01.00 Rule Description: Vehicle Age Vehicle Age is calculated by subtracting the Model Year for the automobile from the applicable Base Model Year. A Vehicle Age less than 0 will be rated at Vehicle Age 0. The applicable Base Model Year is specified in the filing used to determine the rate for the policy. In calculating the Rate Stability Factor, the Vehicle Age is considered to be part of the Policy Data Profile, and is derived by subtracting the automobile's Model Year from the Base Model Year from the policy's expiring term. Stated amount vehicles (rule V01), will receive a Vehicle Age Factor of 1.0 on COMP, COLL, and LOAN coverages in the rate order of calculation.


Rule Number: V12.00.01.00 Rule Description: Excess Vehicle Factor If all resident relatives of legal driving age and drivers of insured vehicles are classified as eligible to be rated (rule D01) and The driver count includes all eligible to be rated drivers, drivers with an issued named driver exclusion form, and list only drivers (rule D01), except persons that are known by the Company to be out of country, or under 21 and never licensed. The driver count also excludes drivers with learner’s permits as specified in Rule D02. If there are any drivers with an issued named driver exclusion form or drivers that have a list only reason other than out of country or under 21 never licensed, If the driver count includes any list only drivers other than those excepted that are 'countable' as specified above, the rating factor for Excess Vehicle is set to 1.0. Otherwise, iIf the number of motor vehicles exceeds the number of eligible to be rated drivers counted, then there are excess vehicles. to which the excess vehicle factor is applied. The number count of excess vehicles equals the number by which is the difference between the number of motor vehicles exceeds and the number of eligible to be rated counted drivers. Which motor vehicles are considered excess is determined by applying the following criteria in the following order:


If all excess vehicle(s) cannot be identified by application of, first, the Oldest Model Year criteria then, second, the Lowest BI Symbol criteria, the third criteria, Last Vehicle Listed, is used to identify any remaining excess vehicles. The excess vehicle factor is applied only to excess vehicles. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: V13.08.01.01 Rule Description: Usage Based Insurance The usage-based insurance (UBI) program utilizes company approved technology to obtain vehicle information including, but not limited to, the time of day and speed at which the vehicle is operated. With the exception of vehicles that are symboled as 67, 68, or 69 (as defined in rule V01), any vehicle that is compatible with company approved technology and is garaged in a location with adequate cellular coverage is eligible for the UBI program. The insured must also provide a valid email address. Agents must be certified to offer the UBI program. A New Business Participation Discount will be applied to enrolled vehicles if enrollment in the UBI program occurs during the quote process and the vehicle does not already have a driver safety score. The New Business Participation Discount is only applied for the first term while the vehicle is actively enrolled in the UBI program. The New Business Participation Discount will only be applied once per vehicle. If the vehicle has a driver safety score at the time of new business quote and further data collection is required, or if it had been enrolled in the previous UBI model (with the promise of a 30 day assessment), an “initial” UBI Tier is applied. Using 30 days of vehicle information, a driver safety score is derived from the vehicle information data. The 30 days are calculated using 2,592,000 seconds of connectivity, but the seconds do not have to be consecutive. If the driver safety score indicates a discount, a UBI factor will be applied for the remainder of the policy term to all eligible coverages on the enrolled vehicle, and through all coverage changes thereafter endorsed onto the policy. If the vehicle has a driver safety score at the time of new business quote and further data collection is not required, a "Renewal" UBI Tier rating factor is applied. Any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Driver safety scores from various sources are adjusted to assure similar outcomes. At the subsequent renewal, excepting where the driver safety score already was based upon the minimum required amount of data collection, each enrolled vehicle will receive an updated driver safety score that is derived from the vehicle information data. For vehicles that have previously received a driver safety score, a renewal UBI discount is determined using the applicable UBI renewal discount factor in the rate revision filing applicable to the policy term prior to the term the discount is being applied. If the driver safety score indicates a discount, a UBI factor will be applied for that upcoming policy term to all eligible coverages on the enrolled vehicle, and through all coverage changes thereafter endorsed onto the policy. If a driver safety score is calculated for the first time during a renewal quote transaction, it will be considered an "initial" UBI discount in determining the discount for both the expiring policy term and the renewal quoted policy term. If the vehicle has the minimum required amount of data collection at the first renewal after enrollment, any achieved discount UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected, or Progressive updates the previously achieved discounts in a filing made in accordance with applicable law or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Minimum required amount of data collection is defined as 75 days. The 75 days include the initial 30 days of data collection listed above. The 75 days are calculated using 6,480,000 seconds of connectivity, but the seconds do not have to be consecutive. If the vehicle does not have the minimum required amount of data collection, the vehicle will be evaluated again at the next renewal. If the vehicle still does not meet the minimum data collection requirement, the vehicle will be removed withdrawn from the UBI program. and any UBI discount will be removed prospectively. If the vehicle has the minimum required amount of data collection but the driver safety score does not indicate a discount, the vehicle will be removed from the program. The tiers and factors will be determined by the rate revision filing applicable to the policy term prior to the term they are applied. If an insured withdraws a vehicle from the UBI program more than 45 days after enrollment or inactivates the company approved technology for a 45 day period or the insured doesn’t begin data collection within 45 days after enrollment, the vehicle will be withdrawn from the UBI program., doesn't begin data collection within 45 days from the date of enrollment, or inactivates the company approved technology for a 45 day period, any usage-based discount will be removed. Vehicles with achieved UBI discounts under previous UBI models, will be mapped to UBI rating tiers 301 – 361 according to the previously achieved UBI discount.


Rule Number: V13.08.xx.xx Rule Description: Usage Based Insurance (continued) Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: X02.02.00.00 Rule Description: Prior BI Group ClassificationLimits Prior Insurance BI Limits refers to the BI limits provided by the insurance policy immediately preceding the inception of the Company policy. For existing policies where Prior Insurance BI Limits were not previously collected, the Company will use the BI limits from the expiring term. The prior BI limits are classified as follows:

Prior BI Limits ClassificationState minimum limits or Compliant without Insurance (rule P17) 1 Greater than minimum but <less than 50/100 2 Greater than or equal to 50/100, but less than 100/300 or 100 CSL 3 Greater than or equal to 100/300 or 100 CSL, but less than 250/500 or 300 CSL 4 Greater than or equal to 250/500 or 300 CSL 5 No Prior insurance or > 31 days without X Prior insurance without BI limits N


a) the Company limits are the same or higher than the current Prior BI Limits classification; b) there have been no late payments fees or NSF payments fees on the policy during the 24 months

preceding 2 months before the renewal effective date; and c) no eligible to be rated driver on the policy has had any pointed violations, or pointed accidents, or

comprehensive claims (CMP) in the preceding 24 months; and. d) there have been no Permissive Use At Fault Accidents in the preceding 24 months.










Progressive Preferred Insurance Company Progressive Specialty Insurance Company

Rule Number: B02.01.01.00 Rule Description: Installment Fee For policies on installment plans, a fee will be charged on all payments after the new business down payment, including the renewal down payment. Installment fees are charged in addition to premium. Fees vary by the type of payment plan (non-EFT "paper" and EFT) and by prior insurance classification (rule P15) in effect when the payment plan is selected or the policy is renewed.

Type of Payment


EFT EFT

C $8 $4

A or B $5 $1













B. Renewal Business – accidents reported to the Company will be deemed as a Progressive At-fault if we determine our insured is at least 51% liable for the accident. Accidents reported for a driver not listed on the policy will be classified as permissive use. Newly discovered accidents noted only on an MVR or from court data when obtained at renewal will be deemed non-chargeable. A newly discovered accident noted on the claims loss history report when obtained at renewal will be added only if the accident occurred prior to the driver being specified as having coverage under the policy and the driver was at-fault.







AFM Accident found on MVR only at renewal - Not Chargeable

AFN At Fault Accident - Not Chargeable










DR Drag Racing









IP Improper Passing

IT Improper Turn










REF Refusal to Test





SPD Speeding






Rule Number: D11.03.00.00 Rule Description: Minor Child Discount A single, eligible to be rated driver who is under the age of 19 and a child of the primary named insured, will be rated with the Minor Child Discount if the policy qualifies for a Gold, Platinum 1, Platinum 2, or Diamond level Continuous Insurance Discount (rule P34). For existing customers who meet the introductory criteria described above, the discount will fully be applied (i.e. the Rate Stability rule (rule P23) will not neutralize its initial effect). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P07.02.00.00 Rule Description: Named Non-owner Coverage Named non-owner coverage is available for individuals who do not own a vehicle. Coverage under the policy is limited by the filed Named Non-Owner Coverage Endorsement. Comprehensive and collision coverage are not available. Named non-owner coverage is not available if the insured operates a vehicle used for business use. Named non-owner coverage is rated with vehicle make symbol, model symbol and style symbol 66 and is not subject to luxury vehicle classification.



Number of days without insurance Classification Prior Insurance0 A Y





b) no eligible to be rated driver on the policy has had any pointed violations or pointed accidents in the preceding 24 months, and



Rule Number: P18.03.00.04 Rule Description: Accident Surcharge Waiver Under Accident Surcharge Waiver, the Company will not charge for an At-Fault Accident at renewal if the policy meets the following conditions:



NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded; or an ASW during the chargeable period prior to the date the accident being waived is first applied.;


prior to the date the accident being waived is first applied; and D. The At-Fault Accident claim was reported to the Company. E. There are no AFN violation codes for drivers added after the inception date, prior to the date they

were added within the chargeable period. Claims previously added to a policy are subject to the Accident Surcharge waiving criteria in effect and filed at that time.





Drivers and Driver changes Driver class (age, marital status) Driving record (accidents and violations) License status Coverage History Consumer Report Information Claims History Homeownership Association Discount Tenure based treatments Coverages Purchased Exclusion of Driver(s) Other Progressive Policies Limits/deductibles Vehicle/driver level discounts and surcharges Payment method and history discounts and surcharges Underwriting Tier Prior Carrier Prior insurance information Vehicles: Make, Model, Model Year, Usage Anti-theft device Garaging and Mailing Address Paperless Financial Responsibility Filing Surcharge Education Good Student Discount Occupation



Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) For policies with a 6 month term, the RSF for the first term renewal equals ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). The RSF for renewals between conversion calculations also equal ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). For policies that have been in force more than 3 years on the effective date of this Rule, the anniversary date of the policy shall be the policy inception date plus 3 years. For all other policies the anniversary date of the policy shall be deemed to be the policy inception date. The rates for the following coverages will be stabilized individually: Bodily Injury Liability, Property Damage Liability, Medical Benefits, Comprehensive, and Collision. Uninsured Motorist and Underinsured Motorist coverages are stabilized together. Combination FPB Package, Income Loss, Accidental Death, Funeral Benefits and Extraordinary Medical coverages are stabilized together. No other coverages are stabilized. The rate charged to the insured equals UR times the rate stability factor. All calculations of the RSF shall be rounded to three decimal places. 3.0: Convergence Mechanics 3.1: Annual Convergence At each twelve month renewal anniversary a calibration is performed. The rate stability factor is calculated as indicated below. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF <= 0.800 Min (PRSF times 1.10 , 1.00) 0.801 to 0.870 Min (PRSF times 1.05 , 1.00) 0.871 to 1.175 PRSF 1.176 to 1.332 Max( PRSF times 0.95 , 1.00) >=1.333 Max( PRSF times 0.90 , 1.00) *Only used to decide how to calculate coverage/vehicle level RSF. 3.2: 36 Month Convergence At each 36 month renewal anniversary a different calibration is performed than that described in section 3.1 Annual Convergence. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF < 0.800 Min (PRSF times 1.10 , 1.00) 0.801 to 0.952 1.05 0.953 to 1.052 1.00 1.053 to 1.332 0.95 >=1.333 0.90 *Only used to decide how to calculate coverage/vehicle level RSF. 4.0: Vehicle and Coverage Endorsements. RSF of 1.00 will be used for vehicles or coverages added by endorsement. 5.0: Enhancements Not Stabilized. The initial addition of Paperless Discount, Good Student Discount, Minor Child Discount, Distant Student Discount, Multi-Policy Discount, Occupation or Education is not stabilized. Once each in force policy has renewed after the effective date of the product change, subsequent changes to the factors implementing these discounts, or surcharges are handled by this Rule like other rate plan changes.




Rule Number: P25.06.01.00 Rule Description: Multi-policy Discount A discount applies if a primary named insured or his or her spouse has a second policy (excluding policies written under the provision of any residual assigned risk plan or similar plan) from within the following policy groups:






Rule Number: P34.02.00.00 Rule Description: Continuous Insurance Discount New Business At new business, the Continuous Insurance Discount is calculated by determining the length of time the primary named insured or spouse has been continuously covered under private passenger automobile liability insurance policies issued by the insurer immediately prior to the Company. In order to qualify for the Discount at new business, the policy must qualify for prior insurance classification A or B (rule P15). The four levels for New Business Continuous Insurance Discount are as follows:

Platinum 2 Select: 60 or more months of Continuous Insurance Platinum 1 Select: 36 - 59 months of Continuous Insurance Gold Select: 12-35 months of Continuous Insurance Silver Select: 0-11 months of Continuous Insurance

Renewal At renewal, the discount level will be determined by the following criteria:

• If, at new business, the policy received the Platinum 2 Select Discount Level, the policy will remain in the Platinum 2 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will move up to the Diamond Select Discount Level;

• If, at new business, the policy qualified for the Platinum 1 Select Discount Level, the policy will remain in the Platinum 1 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level;

• If, at new business, the policy qualified for the Gold Select Discount Level, the policy will remain in the Gold Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level. The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level;

• If, at new business, the policy qualified for the Silver Select Discount Level, the policy will remain in the Silver Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Discount Level. The policy will then remain in the Gold Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level; The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level; or

• A policy that did not qualify for the Discount at new business will obtain the Silver Discount Level at the first renewal, if a 6 month policy term, or the Gold Discount level at the first renewal, if a 12 month policy term. A policy that renews with the Silver Business Discount Level will remain in that level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Discount Level. All policies will then remain in the Gold Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum 1 Discount Level; The policy will then remain in the Platinum 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will be moved up to the Diamond Discount Level.

If the prior insurer was the Company or its affiliate, the Company tenure associated with the primary named insured's or spouse's previous policies will be used to determine Continuous Insurance at new business. If the company tenure is greater than or equal to 60 months, the policy will receive the Diamond Select Level Discount.




A. None of the eligible to be rated drivers have any occurrences of AAF, MAJ, DWI or NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded

B. There are no Permissive Use At Fault Accident codes on the policy during the chargeable period.

C. None of the eligible to be rated drivers has more than one occurrence of a MIN or SPD class code during the chargeable period.

D. The prior insurance classification (rule P15) is “A” or “B” or the named insured or spouse has been insured

by the Company for at least 24 months prior to the inception of the term; and

E. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum unsupervised license age plus 3 years.






For existing customers, an occurrence of a NAF class code that was applied to the policy prior to the introduction of this rule will not cause the discount to be removed. For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident/violation free for 35 months, the discount will fully be applied (i.e. Rate Stability (rule P23) will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident/violation free for 35 months, the discount will be subject to Rate Stability (rule P23). Refer to the rates filing for corresponding factors and coverages to which they apply.






























B. None of the eligible to be rated drivers have any occurrences of a NAF class codes, during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded



















Rule Number: V01.01.01.00 Rule Description: Vehicle Classification Vehicle symbols will be assigned to all vehicles. Make symbol: This identifies the vehicle make. Model symbol: This identifies the vehicle model. Style symbol: This identifies the vehicle body type, wheel drive, and number of cylinders. Auxiliary symbol: As set forth in section B, this identifies which vehicle rating factors should be applied if the


A. Vehicle symbols and a luxury vehicle indicator will be assigned to all vehicles. When any vehicle is

classified as being a luxury vehicle, a "Luxury Vehicle on Policy" indicator will also be set.





E. Stated amount vehicles will not be classified as luxury vehicles. F. Grey Market vehicles are rated using the same symbol as would be used for a comparable U.S. vehicle. A




Rule Number: V03.01.01.00 Rule Description: Vehicle Age Vehicle Age is calculated by subtracting the Model Year for the automobile from the applicable Base Model Year. A Vehicle Age less than 0 will be rated at Vehicle Age 0. The applicable Base Model Year is specified in the filing used to determine the rate for the policy. Stated amount vehicles (rule V01), will receive a Vehicle Age Factor of 1.0 on COMP, COLL, and LOAN coverages in the rate order of calculation.


Rule Number: V12.00.01.00 Rule Description: Excess Vehicle Factor The driver count includes all eligible to be rated drivers, drivers with an issued named driver exclusion form, and list only drivers (rule D01), except persons that are known by the Company to be out of country, or under 21 and never licensed. The driver count also excludes drivers with learner’s permits as specified in Rule D02. If there are any drivers with an issued named driver exclusion form or drivers that have a list only reason other than out of country or under 21 never licensed, the rating factor for Excess Vehicle is set to 1.0. Otherwise, if the number of motor vehicles exceeds the number of drivers counted, then there are excess vehicles. The count of excess vehicles is the difference between the number of motor vehicles and the number of counted drivers. Which motor vehicles are considered excess is determined by applying the following criteria in the following order:




Rule Number: V13.08.01.01 Rule Description: Usage Based Insurance The usage-based insurance (UBI) program utilizes company approved technology to obtain vehicle information including, but not limited to, the time of day and speed at which the vehicle is operated. With the exception of vehicles that are symboled as 67, 68, or 69 (as defined in rule V01), any vehicle that is compatible with company approved technology and is garaged in a location with adequate cellular coverage is eligible for the UBI program. The insured must also provide a valid email address. Agents must be certified to offer the UBI program. A New Business Participation Discount will be applied to enrolled vehicles if enrollment in the UBI program occurs during the quote process and the vehicle does not already have a driver safety score. The New Business Participation Discount is only applied for the first term while the vehicle is actively enrolled in the UBI program. The New Business Participation Discount will only be applied once per vehicle. If the vehicle has a driver safety score at the time of new business quote and further data collection is required, or if it had been enrolled in the previous UBI model (with the promise of a 30 day assessment), an “initial” UBI Tier is applied. If the vehicle has a driver safety score at the time of new business quote and further data collection is not required, a "Renewal" UBI Tier rating factor is applied. Any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Driver safety scores from various sources are adjusted to assure similar outcomes. If the vehicle has the minimum required amount of data collection at the first renewal after enrollment, any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Minimum required amount of data collection is defined as 75 days. The 75 days include the initial 30 days of data collection listed above. The 75 days are calculated using 6,480,000 seconds of connectivity, but the seconds do not have to be consecutive. If the vehicle does not have the minimum required amount of data collection, the vehicle will be evaluated again at the next renewal. If the vehicle still does not meet the minimum data collection requirement, the vehicle will be withdrawn from the UBI program. The tiers and factors will be determined by the rate revision filing applicable to the policy term prior to the term they are applied. If an insured withdraws a vehicle from the UBI program more than 45 days after enrollment or inactivates the company approved technology for a 45 day period or the insured doesn’t begin data collection within 45 days after enrollment, the vehicle will be withdrawn from the UBI program. Vehicles with achieved UBI discounts under previous UBI models, will be mapped to UBI rating tiers 301 – 361 according to the previously achieved UBI discount. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: X02.02.00.00 Rule Description: Prior BI Limits Prior Insurance BI Limits refers to the BI limits provided by the insurance policy immediately preceding the inception of the Company policy. For existing policies where Prior Insurance BI Limits were not previously collected, the Company will use the BI limits from the expiring term. The prior BI limits are classified as follows:

Prior BI Limits ClassificationState minimum limits or Compliant without Insurance (rule P17) 1 Greater than minimum but less than 50/100 2 Greater than or equal to 50/100, but less than 100/300 or 100 CSL 3 Greater than or equal to 100/300 or 100 CSL, but less than 250/500 or 300 CSL 4 Greater than or equal to 250/500 or 300 CSL 5 No Prior insurance or > 31 days without X Prior insurance without BI limits N


a) the Company limits are the same or higher than the current Prior BI Limits classification; b) there have been no late payment fees or NSF fees on the policy during the 24 months preceding 2

months before the renewal effective date; c) no eligible to be rated driver on the policy has had any pointed violations, pointed accidents, or

comprehensive claims (CMP) in the preceding 24 months; and d) there have been no Permissive Use At Fault Accidents in the preceding 24 months.



Rule Number: X03.01.00.04 Rule Description: Prior Carrier Type The insurance carrier that was used to determine Prior Insurance Classification (rule P15) is classified by the Company as either a standard (S) or nonstandard (N) prior carrier in accordance with the table below. The Company and its affiliates are classified as a standard carrier. Prior Carrier Type is automatically reevaluated when a named insured or spouse has been insured by the Company for 36 months. The Prior Carrier Type will be reclassified to Standard provided that: a) there have been no late payments or NSF fees on the policy during the preceding 24 months, and b) no eligible to be rated driver on the policy has had any pointed violations, pointed accidents, or comprehensive claims (CMP) in the preceding 24 months; and c) there have been no Permissive Use At Fault Accidents in the preceding 24 months. For the purpose of this rule, CMPs that are not chargeable will not be counted. Secondary policies, for households with 5 or more cars (issued prior to our ability to accept more than 4 vehicles on a single policy), were given the same prior carrier type at the primary policy.

CARRIER_NAME S or N

21ST CENTURY S

AAA/AUTO CLUB S

AIG: AIG NATIONAL INS CO N

AIG: AMERICAN INTL SOUTH INS CO N

AIG: OTHER S

ALFA S

ALLIED S

ALLSTATE S

AMERICAN FAMILY S

AMERICAN INDEPENDENT INS N

AMERICAN NATIONAL S

AMICA S

ARBELLA INS S

AUTO-OWNERS S

BRISTOL WEST N

CALIFORNIA CASUALTY S

CALIFORNIA STATE AUTO ASSOCIATION S

CHUBB S

CINCINNATI FINANCIAL S

CITIZENS INS S

COMMERCE S

COUNTRY INS S

CWI - DEPLOYED MILITARY N

DEERBROOK N

DONEGAL S

ENCOMPASS S

ERIE S

ESURANCE S

FARM BUREAU S

FARMERS S

GEICO S

GENERAL CASUALTY S

GMAC N


Rule Number: X03.01.00.04

Rule Description: Prior Carrier Type (Continued)

GOODVILLE MUTUAL CASUALTY CO S

GRANGE MUTUAL S

HANOVER INS GRP S

HARLEYSVILLE S

HARTFORD S

HIGH POINT INS S

HORACE MANN S

INFINITY N

INTEGON N

LIBERTY MUTUAL S

MAIN STREET AMERICA GRP S

MERCHANTS MUTUAL INS CO S

MERCURY S

METLIFE S

MOTORISTS MUTUAL S

MUTUAL BENEFIT INS CO S

NATIONAL GRANGE MUT INS GRP S

NATIONWIDE S

NEW JERSEY MANUFACTURERS S

NEW YORK CENTRAL MUTUAL FIRE INS S

OHIO CASUALTY S

ONEBEACON S

OTHER N

PALISADES INS S

PEERLESS S

PENN NATIONAL S

PLYMOUTH ROCK ASSURANCE CORP S

PROGRESSIVE S

SAFE AUTO INS CO N

SAFECO S

SELECTIVE INS S

SHELTER S

STATE AUTO S

STATE FARM S

TRAVELERS S

UNITRIN S

USAA S

WESTFIELD S










Rule Number: B02.01.01.01 Rule Description: Installment Fee For policies on installment plans, a fee will be charged on all payments billed installments after the new business down payment, including the billed renewal down payment. Installment fees are charged in addition to premium. Fees vary by the type of payment plan (non-EFT "paper" and EFT) and by prior insurance classification (rule P15) in effect when the payment plan is selected or the policy is renewed.

Type of Payment


EFT EFT

C $8 $4

A or B $5 $1







Rule Number: D04.02.xx.xx Rule Description: Driving Record Classification (Continued)






B. Renewal Business – accidents reported to the Company will be deemed as a Progressive aAt-fault if we determine our insured is at least 51% liable for the accident. Accidents reported for a driver not listed on the policy will be classified as permissive use. Newly discovered accidents noted only on an MVR or from court data when obtained at renewal will be deemed non-chargeable. A newly discovered accident noted on the claims loss history report when obtained at renewal will be added only if the accident occurred prior to the driver being specified as having coverage under the policy and the driver was at-fault.



Rule Number: D04.02.xx.xx Rule Description: Driving Record Classification (Continued) Emergency Vehicle Operation – if the Company is notified of the circumstances of an accident by the applicant or insured, accidents occurring while a driver is operating an emergency vehicle (including without limitation an ambulance, police car, EMS vehicle, or fire department vehicle) in the line of duty will not be considered as part of the driving record. Driving While Intoxicated- operators will be charged with a Driving While Intoxicated (DWI) infraction for conviction under section 3731 (Driving under influence of alcohol or controlled substance), notice of Section 1534 (Acceptance of Accelerated Rehabilitative Disposition), or any similar infraction. Mid-term Driving History Re-evaluation - At the named insured’s request during a policy term, the Company will re-evaluate the driving history of all drivers on the policy by removing points associated with accidents and violations that occurred more than 35 months prior to the date of re-evaluation if none of the drivers have had new accidents or violations since the premium for that policy term was determined. The policy premium shall be adjusted accordingly, as of the date of the named insured’s request, based on the revised point total. Violation Classification- Violations are classified into groups. Point assignments are made based on the violation group. Refer to the rates filing for application of points. Clean Driver Classification- Drivers with zero BI/PD points are classified as “clean” drivers.




AFM Non Chargeable AccidentAccident found on MVR only at renewal - Not Chargeable

AFN At Fault Accident - Not Chargeable - Under $1450 threshold










DR Drag Racing









IP Improper Passing

IT Improper Turn










REF Refusal to Test





SPD Speeding






Rule Number: D11.03.00.00 Rule Description: Minor Child Discount A single, eligible to be rated driver who is under the age of 19 and a child of the primary named insured, will be rated with the Minor Child Discount if the policy qualifies for a Gold, Platinum 1, Platinum 2, or Diamond or White Diamond level Continuous Insurance Discount (rule P34). For existing customers who meet the introductory criteria described above, the discount will fully be applied (i.e. the Rate Stability rule (rule P23) will not neutralize its initial effect). Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: D85 Rule Description: NAF/CMP Factor This factor is based on the number of NAF/CMP counts incurred by drivers on the Company policy during the 35 months preceding the new business inception date of Company policy. At each renewal, Company will review the age of each NAF/CMP count. Company will remove all counts that predate the date of the renewal policy by more than 35 months. The Factor will be adjusted at each renewal accordingly. NAF/CMP counts that occur during a Company term will NOT be added and will NOT be used to calculate this Factor. When a new driver is added to an existing Company policy, the NAF/CMP counts will be increased by the number of NAF/CMP counts that were incurred by the new driver during the 35 months preceding the new business inception date of Company policy and that were not more than 35 months old as of the beginning of the current renewal term. This is a driver level factor. It will vary as set forth in the corresponding table located in the rate factor pages.


Rule Number: P07.02.00.00 Rule Description: Named Non-owner Coverage Named non-owner coverage is available for individuals who do not own a vehicle. Coverage under the policy is limited by the filed Named Non-Owner Coverage Endorsement. Comprehensive and collision coverage are not available. Named non-owner coverage is not available if the insured operates a vehicle used for business use. Named non-owner coverage is rated with vehicle make symbol, model symbol and style symbol 66 and is not subject to luxury vehicle classification.


Rule Number: P14 Rule Description: Preferred Status A policy is eligible for Preferred Status if all of the following conditions are met:

A. the policy has a prior insurance classification of “A” (rule P15); B. the named insured's primary residence is a house or condominium that is owned by the named insured

or resident spouse; and C. the total number of chargeable accidents and violations on the policy is equal to or less than the number

of vehicles on the policy. Additionally, all eligible to be rated drivers must meet all the following criteria:

A. no driver has more than 2 chargeable accidents or violations classified as SPD or MIN; B. no driver has more than 1 chargeable at fault accident; C. no driver has any violations classified as MAJ or DWI; D. no driver has a suspended or permanently revoked license; and E. no driver has a financial responsibility filing (e.g. SR22) (rule D07).

A policy will no longer be considered Preferred if any of the following conditions apply (the only reasons for losing Preferred Status):

A. a policy changes from prior insurance classification of “A” to “B” or “C” (rule P15); or B. any eligible to be rated driver:

1. has 2 or more chargeable at fault accidents; or 2. has a violation classified as MAJ or DWI; or 3. has a suspended or permanently revoked license (truancy or liquor violations excepted);

or 4. requests a financial responsibility filing (e.g. SR22) (rule D07).

Refer to the rates filing for violation code classifications. Only accidents and violations occurring in the 35-month period prior to policy effective date are considered for Preferred Status eligibility.



Number of days without insurance Classification Prior Insurance0 A Y





b) no eligible to be rated driver on the policy has had any pointed violations or pointed accidents in the preceding 24 months., and



Rule Number: P18.03.00.04 Rule Description: Accident Surcharge Waiver Under Accident Surcharge Waiver, the Company will not charge an eligible to be rated driver with points for an At-Fault Accident at renewal if the policy meets the following conditions:



NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded; or an ASW during the chargeable period prior to the date the accident being waived There were no other At-Fault or waived accidents on the policy during the 35 months prior to the renewal effective date the accident is first applied.;


prior to the date the accident being waived is first applied; and DC. The At-Fault Accident claim was reported to the Company. D. The driver was an eligible-to-be-rated driver on the policy when the accident occurred. E. There are no AFN violation codes for drivers added after the inception date, prior to the date they







Drivers and Driver changes Driver class (age, marital status) Driving record (accidents and violations) License status Coverage History Consumer Report Information Claims History Homeownership Association Discount Tenure based treatments Coverages Purchased Exclusion of Driver(s) Other Progressive Policies Limits/deductibles Vehicle/driver level discounts and surcharges Payment method and history discounts and surcharges Underwriting Tier Prior Carrier Prior insurance information Vehicles: Make, Model, Model Year, Vehicle Age, Usage Anti-theft device Garaging and Mailing Address Paperless Financial Responsibility Filing Surcharge Education Good Student Discount Occupation



Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) For policies with a 6 month term, the RSF for the first term renewal equals ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). The RSF for renewals between conversion calculations also equal ETR divided by PRR and when applicable multiplied by Rate Level Adjustment Factor (defined below). For policies that have been in force more than 3 years on the effective date of this Rule, the anniversary date of the policy shall be the policy inception date plus 3 years. For all other policies the anniversary date of the policy shall be deemed to be the policy inception date. The rates for the following coverages will be stabilized individually: Bodily Injury Liability, Property Damage Liability, Medical Benefits, Comprehensive, and Collision. Uninsured Motorist and Underinsured Motorist coverages are stabilized together. Combination FPB Package, Income Loss, Accidental Death, Funeral Benefits and Extraordinary Medical coverages are stabilized together. No other coverages are stabilized. The rate charged to the insured equals UR times the rate stability factor. All calculations of the RSF shall be rounded to three decimal places. 3.0: Convergence Mechanics 3.1: Annual Convergence At each twelve month renewal anniversary a calibration is performed. The rate stability factor is calculated as indicated below. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF <= 0.750.800 Min (PRSF times 1.10 , 1.00) 0.751.801 to 0.850.870

Min (PRSF times 1.05 , 1.00)

0.851.871 to 1.1491.175

PRSF

1.1501.176 to 1.2491.332

Max( PRSF times 0.95 , 1.00)

>=1.2501.333 Max( PRSF times 0.90 , 1.00) *Only used to decide how to calculate coverage/vehicle level RSF. 3.2: 36 Month Convergence At each 36 month renewal anniversary a different calibration is performed than that described in section 3.1 Annual Convergence. The calibration will not be applied when the calculated coverage/vehicle level RSF moves the coverage/vehicle rate farther away from the unstabilized rate. In this case the PRSF will be applied as the RSF without calibration. Policy Level PRSF* RSF < 0.9090.800 Min (PRSF times 1.10 , 1.00) >=0.9090.801 to 0.952 1.001.05 0.953 to 1.052 1.00 1.053 to 1.332 0.95 >=1.333 0.90 *Only used to decide how to calculate coverage/vehicle level RSF. 4.0: Vehicle and Coverage Endorsements. RSF of 1.00 will be used for vehicles or coverages added by endorsement. 5.0: Enhancements Not Stabilized. The initial addition of Paperless Discount, Good Student Discount, Minor Child Discount, Distant Student Discount, Multi-Policy Discount, Occupation or Education is not stabilized. Once each in


Rule Number: P23.00.03.16 Rule Description: Rate Stability (Continued) force policy has renewed after the effective date of the product change, subsequent changes to the factors implementing these discounts, or surcharges are handled by this Rule like other rate plan changes. 6.0: Rate Level Adjustment Factor. A Rate Level Adjustment Factor (RLAF) is applied at the vehicle/coverage level, though it is uniform for all vehicles. This factor is applied to all in-force policies with the coverage only upon their first renewal into a new rate revision. The RLAF will be specified in the Company’s rate filing.


Rule Number: P25.06.01.00 Rule Description: Multi-policy Discount A discount applies if a primary named insured or his or her spouse has a second policy (excluding policies written under the provisions of any residual assigned risk plan or similar plan) from within the following policy groups:Progressive Group of Companies other than a personal auto policy. The discount also applies if the primary named insured or his or her spouse has a second policy with any of Progressive's private-labeled partnerships for personal Umbrella and/or private residence Homeowners insurance. The second policy must be a property and casualty policy and does not include policies written under the provisions of any residual market assigned risk plan or similar plan. Only one discount applies per policy. The availability of the discount is determined at new business and each renewal.






Rule Number: P34.02.00.00 Rule Description: Continuous Insurance Discount New Business At new business, the Continuous Insurance Discount is calculated by determining the length of time the primary named insured or spouse has been continuously covered under private passenger automobile liability insurance policies issued by the insurer immediately prior to the Company. In order to qualify for the Discount at new business, the policy must qualify for prior insurance classification A or B (rule P15). The three four levels for New Business Continuous Insurance Discount are as follows:

Platinum 2 Select: 60 or more months of Continuous Insurance Platinum 1 Select: 36-59 or more months of Continuous Insurance Gold Select: 12-35 months of Continuous Insurance Silver Select: 0-11 months of Continuous Insurance


Platinum 2 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 60, at which time, the policy will move up to the Diamond Select Discount Level;

• If, at new business, the policy qualified for the Platinum New Business 1 Select Discount Level, the policy will remain in the Platinum New Business 1 Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the White Diamond Renewal Discount Level;

• If, at new business, the policy qualified for the Gold New Business Select Discount Level, the policy will remain in the Gold New Business Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal 1 Discount Level. The policy will then remain in the Platinum Renewal 1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 4860, at which time, the policy will be moved up to the Diamond Renewal Discount Level;

• If, at new business, the policy qualified for the Silver New Business Select Discount Level, the policy will remain in the Silver New Business Select Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Renewal Discount Level. The policy will then remain in the Gold Renewal Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal1 Discount Level; The policy will then remain in the Platinum Renewal1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the Diamond Renewal Discount Level; or

• A policy that did not qualify for the Discount at new business will obtain the Silver Renewal Discount Level at the first renewal, if a 6 month policy term, or the Gold Renewal Discount level at the first renewal, if a 12 month policy term. A policy that renews with the Silver Renewal Business Discount Level will remain in that level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 12, at which time, the policy will be moved up to the Gold Renewal Discount Level. All policies will then remain in the Gold Renewal Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 36, at which time, the policy will be moved up to the Platinum Renewal1 Discount Level; The policy will then remain in the Platinum Renewal1 Discount Level until the number of months that the primary named insured or spouse has been covered under Company policies reaches 48 60, at which time, the policy will be moved up to the Diamond Renewal Discount Level.

If the prior insurer was the Company or its affiliate, the Company tenure associated with the primary named insured's or spouse's previous policies will be used to determine Continuous Insurance at new business. If the company tenure is greater than or equal to 4860 months, the policy will received receive the Diamond Select Level Renewal Discount.




A. None of the eligible to be rated drivers have any occurrences that have an of AAF, MAJ, DWI or NAF class codes, during the chargeable period. NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded. (rule D04). NAF class codes that occur after the inception date of the policy (or for drivers added after the inception date, the date they were added) are excluded for determining this discount;

B. There are no Permissive Use At Fault Accident codes on the policy during the chargeable period.

B.C. None of the eligible to be rated drivers have has more than one occurrence of a MIN or SPD class code

during the chargeable period (rule D04).

C.D.If the policy term is the new business term, Tthe prior insurance classification (rule P15) is “A” or “B” or the named insured or spouse has been insured by the Company for at least 24 months prior to the inception of the term; and.

If the policy term is a renewal term, then either: 1. the prior insurance classification (rule P15) is “A” or “B”, or 2. the named insured or spouse has been insured by the Company for at least 24 months prior to the

inception of the term; and

D.E. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum unsupervised license age plus 3 years.





D. The age of one or more eligible to be rated drivers is not greater than or equal to the state minimum

unsupervised license age plus 3 years. For existing customers, an occurrence of a NAF class code that was applied to the policy prior to the introduction of this rule will not cause the discount to be removed. For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident/violation free for 35 months, the discount will fully be applied (i.e. Rate Stability (rule P23) will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident/violation free for 35 months, the discount will be subject to Rate Stability (rule P23). The discount will be removed if an eligible to be rated driver who does not meet the criteria is endorsed on the policy. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: P38 Rule Description: Five – year Accident Free Discount This discount applies if all of the following conditions are met:

A. None of the eligible to be rated drivers have any occurrences of an at-fault accident (rule D04) during a 59 month chargeable period. The 59 month chargeable period is the 59-month period prior to policy term inception. For drivers who are endorsed onto the policy, until the next policy term, their chargeable period will be 59 months prior to the date on which they are added to the policy.

B. None of the eligible to be rated drivers have any occurrences of an unverifiable driving record or a

foreign driver’s license (rule D05) during the chargeable period (rule D04). C. The age of one or more eligible to be rated drivers is greater than or equal to the state minimum

unsupervised license age plus 5 years; and D. The prior insurance classification (rule P15) is “A” or “B”; or the named insured or spouse has been

insured by the Company for at least 24 months prior to the inception of the term; and

For existing customers who meet the introductory criteria described above, and who did not previously have a premium reduction based on being accident free for 59 months, the discount will fully be applied (i.e. Rate Stability (rule P23), will not neutralize its initial effect). For those customers that were previously receiving a benefit for being accident free for 59 months, the discount will be subject to Rate Stability (rule P23). The discount will be removed if an eligible to be rated driver who does not meet the criteria is endorsed on the policy. Refer to the rates filing for corresponding factors and coverages to which they apply.
























D. None of the eligible to be rated drivers are greater than or equal to the state minimum unsupervised

license age plus 5 years. E. The prior insurance classification (rule P15) is "C".





B. None of the eligible to be rated drivers have any occurrences of a NAF class codes, during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy are excluded. For a driver added after the inception date of the policy, NAF class codes that occur before the date that driver was added to the policy are not excluded.







B. Any of the eligible to be rated drivers have any occurrences of a NAF or class code during the chargeable period (rule D04). NAF class codes that occur after the inception date of the policy (or for drivers added after the inception date, the date they were added), are excluded.












Rule Number: V01.01.01.00 Rule Description: Vehicle Symbols Classification Vehicle symbols will be assigned to all vehicles. Make symbol: This identifies the vehicle make. Model symbol: This identifies the vehicle model. Style symbol: This identifies the vehicle body type, wheel drive, and number of cylinders. Auxiliary symbol: As set forth in section B, this identifies which vehicle rating factors should be applied if the


A. The make symbol, model symbol, style symbol, and vehicle model year are used to determine factors as set

forth in the rate factor pages.Vehicle symbols and a luxury vehicle indicator will be assigned to all vehicles. When any vehicle is classified as being a luxury vehicle, a "Luxury Vehicle on Policy" indicator will also be set.





E. Stated amount vehicles will not be classified as luxury vehicles. EF. Grey Market vehicles are rated using the same symbol as would be used for a comparable U.S. vehicle. A




Rule Number: V03.01.01.00 Rule Description: Vehicle Age Vehicle Age is calculated by subtracting the Model Year for the automobile from the applicable Base Model Year. A Vehicle Age less than 0 will be rated at Vehicle Age 0. The applicable Base Model Year is specified in the filing used to determine the rate for the policy. In calculating the Rate Stability Factor, the Vehicle Age is considered to be part of the Policy Data Profile, and is derived by subtracting the automobile's Model Year from the Base Model Year from the policy's expiring term. Stated amount vehicles (rule V01), will receive a Vehicle Age Factor of 1.0 on COMP, COLL, and LOAN coverages in the rate order of calculation.


Rule Number: V12.00.01.00 Rule Description: Excess Vehicle Factor If all resident relatives of legal driving age and drivers of insured vehicles are classified as eligible to be rated (rule D01) and The driver count includes all eligible to be rated drivers, drivers with an issued named driver exclusion form, and list only drivers (rule D01), except persons that are known by the Company to be out of country, or under 21 and never licensed. The driver count also excludes drivers with learner’s permits as specified in Rule D02. If there are any drivers with an issued named driver exclusion form or drivers that have a list only reason other than out of country or under 21 never licensed, If the driver count includes any list only drivers other than those excepted that are 'countable' as specified above, the rating factor for Excess Vehicle is set to 1.0. Otherwise, iIf the number of motor vehicles exceeds the number of eligible to be rated drivers counted, then there are excess vehicles. to which the excess vehicle factor is applied. The number count of excess vehicles equals the number by which is the difference between the number of motor vehicles exceeds and the number of eligible to be rated counted drivers. Which motor vehicles are considered excess is determined by applying the following criteria in the following order:


If all excess vehicle(s) cannot be identified by application of, first, the Oldest Model Year criteria then, second, the Lowest BI Symbol criteria, the third criteria, Last Vehicle Listed, is used to identify any remaining excess vehicles. The excess vehicle factor is applied only to excess vehicles. Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: V13.08.01.01 Rule Description: Usage Based Insurance The usage-based insurance (UBI) program utilizes company approved technology to obtain vehicle information including, but not limited to, the time of day and speed at which the vehicle is operated. With the exception of vehicles that are symboled as 67, 68, or 69 (as defined in rule V01), any vehicle that is compatible with company approved technology and is garaged in a location with adequate cellular coverage is eligible for the UBI program. The insured must also provide a valid email address. Agents must be certified to offer the UBI program. A New Business Participation Discount will be applied to enrolled vehicles if enrollment in the UBI program occurs during the quote process and the vehicle does not already have a driver safety score. The New Business Participation Discount is only applied for the first term while the vehicle is actively enrolled in the UBI program. The New Business Participation Discount will only be applied once per vehicle. If the vehicle has a driver safety score at the time of new business quote and further data collection is required, or if it had been enrolled in the previous UBI model (with the promise of a 30 day assessment), an “initial” UBI Tier is applied. Using 30 days of vehicle information, a driver safety score is derived from the vehicle information data. The 30 days are calculated using 2,592,000 seconds of connectivity, but the seconds do not have to be consecutive. If the driver safety score indicates a discount, a UBI factor will be applied for the remainder of the policy term to all eligible coverages on the enrolled vehicle, and through all coverage changes thereafter endorsed onto the policy. If the vehicle has a driver safety score at the time of new business quote and further data collection is not required, a "Renewal" UBI Tier rating factor is applied. Any achieved UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Driver safety scores from various sources are adjusted to assure similar outcomes. At the subsequent renewal, excepting where the driver safety score already was based upon the minimum required amount of data collection, each enrolled vehicle will receive an updated driver safety score that is derived from the vehicle information data. For vehicles that have previously received a driver safety score, a renewal UBI discount is determined using the applicable UBI renewal discount factor in the rate revision filing applicable to the policy term prior to the term the discount is being applied. If the driver safety score indicates a discount, a UBI factor will be applied for that upcoming policy term to all eligible coverages on the enrolled vehicle, and through all coverage changes thereafter endorsed onto the policy. If a driver safety score is calculated for the first time during a renewal quote transaction, it will be considered an "initial" UBI discount in determining the discount for both the expiring policy term and the renewal quoted policy term. If the vehicle has the minimum required amount of data collection at the first renewal after enrollment, any achieved discount UBI rating tier will remain on the vehicle for the life of the policy, until Progressive requests updated vehicle information to be collected, or Progressive updates the previously achieved discounts in a filing made in accordance with applicable law or the customer chooses to re-enroll and provides the required amount of data to re-calculate the UBI rating tier. Minimum required amount of data collection is defined as 75 days. The 75 days include the initial 30 days of data collection listed above. The 75 days are calculated using 6,480,000 seconds of connectivity, but the seconds do not have to be consecutive. If the vehicle does not have the minimum required amount of data collection, the vehicle will be evaluated again at the next renewal. If the vehicle still does not meet the minimum data collection requirement, the vehicle will be removed withdrawn from the UBI program. and any UBI discount will be removed prospectively. If the vehicle has the minimum required amount of data collection but the driver safety score does not indicate a discount, the vehicle will be removed from the program. The tiers and factors will be determined by the rate revision filing applicable to the policy term prior to the term they are applied. If an insured withdraws a vehicle from the UBI program more than 45 days after enrollment or inactivates the company approved technology for a 45 day period or the insured doesn’t begin data collection within 45 days after enrollment, the vehicle will be withdrawn from the UBI program., doesn't begin data collection within 45 days from the date of enrollment, or inactivates the company approved technology for a 45 day period, any usage-based discount will be removed. Vehicles with achieved UBI discounts under previous UBI models, will be mapped to UBI rating tiers 301 – 361 according to the previously achieved UBI discount.


Rule Number: V13.08.01.01 Rule Description: Usage Based Insurance (continued) Refer to the rates filing for corresponding factors and coverages to which they apply.


Rule Number: X02.02.00.00 Rule Description: Prior BI Group ClassificationLimits Prior Insurance BI Limits refers to the BI limits provided by the insurance policy immediately preceding the inception of the Company policy. For existing policies where Prior Insurance BI Limits were not previously collected, the Company will use the BI limits from the expiring term. The prior BI limits are classified as follows:

Prior BI Limits ClassificationState minimum limits or Compliant without Insurance (rule P17) 1 Greater than minimum but <less than 50/100 2 Greater than or equal to 50/100, but less than 100/300 or 100 CSL 3 Greater than or equal to 100/300 or 100 CSL, but less than 250/500 or 300 CSL 4 Greater than or equal to 250/500 or 300 CSL 5 No Prior insurance or > 31 days without X Prior insurance without BI limits N


a) the Company limits are the same or higher than the current Prior BI Limits classification; b) there have been no late payments fees or NSF payments fees on the policy during the 24 months

preceding 2 months before the renewal effective date; and c) no eligible to be rated driver on the policy has had any pointed violations, or pointed accidents, or

comprehensive claims (CMP) in the preceding 24 months; and. d) there have been no Permissive Use At Fault Accidents in the preceding 24 months.



Rule Number: X03.01.00.04 Rule Description: Prior Carrier Type The insurance carrier that was used to determine Prior Insurance Classification (rule P15) is classified by the Company as either a standard (S) or nonstandard (N) prior carrier in accordance with the table below. The Company and its affiliates are classified as a standard carrier. If the Named Insured or spouse was adding one or more vehicles to a policy on which there were already 4 vehicles, causing the Company to issue a second policy then the second policy will be given the same prior carrier type as the primary policy. Prior Carrier Type is automatically reevaluated when a named insured or spouse has been insured by the Company for 36 months. The Prior Carrier Type will be reclassified to Standard provided that: a) there have been no late payments or NSF paymentsfees on the policy during the preceding 24 months, and b) no eligible to be rated driver on the policy has had any pointed violations, or pointed accidents, or comprehensive claims (CMP) in the preceding 24 months.; and c) there have been no Permissive Use At Fault Accidents in the preceding 24 months. For the purpose of this rule, CMPs that are not chargeable will not be counted. Secondary policies, for households with 5 or more cars (issued prior to our ability to accept more than 4 vehicles on a single policy), were given the same prior carrier type at the primary policy.

CARRIER_NAME S or N

21ST CENTURY S

AAA/AUTO CLUB S

AIG: AIG NATIONAL INS CO N

AIG: AMERICAN INTL SOUTH INS CO N

AIG: OTHER S

ALFA S

ALLIED S

ALLSTATE S

AMERICAN FAMILY S

AMERICAN INDEPENDENT INS N

AMERICAN NATIONAL S

AMICA S

ARBELLA INS S

AUTO-OWNERS S

BRISTOL WEST N

CALIFORNIA CASUALTY S

CALIFORNIA STATE AUTO ASSOCIATION S

CHUBB S

CINCINNATI FINANCIAL S

CITIZENS INS S

COMMERCE S

COUNTRY INS S

CWI - DEPLOYED MILITARY N

DEERBROOK N

DONEGAL S

ENCOMPASS S

ERIE S

ESURANCE S



Rule Description: Prior Carrier Type (Continued) FARM BUREAU S

FARMERS S

GEICO S

GENERAL CASUALTY S

GMAC N

GOODVILLE MUTUAL CASUALTY CO S

GRANGE MUTUAL S

HANOVER INS GRP S

HARLEYSVILLE S

HARTFORD S

HIGH POINT INS S

HORACE MANN S

INFINITY N

INTEGON N

LIBERTY MUTUAL S

MAIN STREET AMERICA GRP S

MERCHANTS MUTUAL INS CO S

MERCURY S

METLIFE S

MOTORISTS MUTUAL S

MUTUAL BENEFIT INS CO S

NATIONAL GRANGE MUT INS GRP S

NATIONWIDE S

NEW JERSEY MANUFACTURERS S

NEW YORK CENTRAL MUTUAL FIRE INS S

OHIO CASUALTY S

ONEBEACON S

OTHER N

PALISADES INS S

PEERLESS S

PENN NATIONAL S

PLYMOUTH ROCK ASSURANCE CORP S

PROGRESSIVE S

SAFE AUTO INS CO N

SAFECO S

SELECTIVE INS S

SHELTER S

STATE AUTO S

STATE FARM S

TRAVELERS S



Rule Description: Prior Carrier Type (Continued) UNITRIN S

USAA S

WESTFIELD S









July 13, 2015 Mr. Michael McKenney, Actuary Pennsylvania Insurance Department Property & Casualty Bureau 1311 Strawberry Square Harrisburg, PA 17120 Subject: Progressive Advanced Insurance Company

Progressive Preferred Insurance Company

Progressive Specialty Insurance Company

Private Passenger Automobile Programs

Rates and Rules Filing Effective 12/18/2015 for New Business and 01/27/2016 for

Renewal Business

Dear Mr. McKenney, Enclosed is a revision to the companies listed above. Progressive is proposing rate changes of 2.6% for PPIC and PSIC combined and 1.6% for PAIC. Should you have any questions regarding these changes, you can reach me at 440‐395‐7798. Thank you for your attention to our requested change. Sincerely, Drew Purcell Product Manager Phone: (440)395‐7798 [email protected]

Summary of Proposed Changes

Rate revision changes are listed below, excluding only those changes that are filed confidentially. Other

product changes are detailed in the enclosed filed rules.

Factor Only

Bad Debt Factor

Base Model Year Table

Distant Student Discount

Driver Age Point Factor

Driver Classification Factor

Driving Record Points Factor

Electronic Funds Transfer Discount

Excess Vehicle Factor

Financial Responsibility Filing Surcharge

Full Coverage Factor

Garaging Zip = Mailing Zip Code Factor

Homeowner/Mobile Home/Multi‐Car Discount

Household Member Factor 1

Household Member Factor 2

Household Structure Factor

Limit / Deductible Factor

Limit Factor

Minor Child Discount

Online Quote Discount

Paid in Full Discount

Paperless Discount

Policy Term Factor

Residency Rewards Factor

UBI Tier Factor Table

Underwriting Tier 2 by Clean Factor

Underwriting Tier 2 by Number of Drivers Factor

Underwriting Tier 2 Factor

Underwriting Tier Factor

Vehicle Age by Deductible Factor

Vehicle Age Factor

Vehicle Garaging Location Factor

Vehicle Symbol Factor

Violation Point Table

Years Licensed Factor

Structure Change or New Enhancement

Advance Quote Discount

Continuous Insurance Discount

Deductible Savings Bank Factor

E‐Signature Discount

Length of Vehicle Ownership Rating Factor

Minimum Premium

Multi‐Policy Discount

New Business Five Year Accident Free/Five Year Claim Free Discount

Non‐Progressive AAFs and Non‐Progressive NAFs Factor

Non‐Progressive NAF/CMP Factor

Occupation/Education Factor

Operations Expense Factor 1



Payment Behaviors Factor

Permissive User At Fault Accident Factor

Three Year Safe Driving Discount

UBI Participation Discount

Vehicle Endorsements Factor

Occupation/Education Rank Table

Documents

PRGS-130153944.pdf - Filing at a Glance