Disappearing Deductible Credits - · PDF fileDisappearing Deductible Credits This Endorsement changes the policy. Please read it carefully. ... 13 r o t c a F l e v e L xxxxxxd xxxxl

CIC-2197 (05/16) Copyright, The Commerce Insurance Company, 2016. Page 1 of 1

Disappearing Deductible Credits

This Endorsement changes the policy. Please read it carefully.

Eligibility

This coverage applies if a premium is shown for your auto in the Coverage Selections Page for Collision or Limited Collision. This coverage is deleted if Collision or Limited Collision is deleted.

Definitions

Credits means the dollar value credits awarded by us to you to reduce your Collision, Limited Collision or Comprehensive deductible following certain claims. Credits may be used only as set forth in this Endorsement. Credits may not be redeemed for cash or any other thing of value.

Clean Year means any twelve month policy period in which you have your auto insured by us and: (1) no operator was surcharged for an at-fault accident, and (2) the policy was free of hit and run Collision or Comprehensive loss payments greater than $500 for losses prior to July 1, 2015, or $1,000 for losses on or after July 1, 2015.

Credit Awards

You are awarded credits after one full clean year where no credits were used or lost. You will receive $50 in credits for each of the first four consecutive clean year(s) after the initial clean year up to this policy period. In the fifth consecutive clean year, you will earn a $100 credit. The maximum credits that you may earn is $300.

If credits are used or lost, a new clean policy year must be completed before you are awarded credits again.

The Coverage Selections Page shows the amount of credits, if any, that you have been awarded as of the most recent policy effective date.

Using Credits

Any existing credits will be used as long as you are not also eligible for coverage in the Elite Package Endorsement.

If your deductible is waived in whole or part by the Elite Package Endorsement, that coverage prevails.

Credits will be used to reduce the deductible amount you owe on a Collision, Limited Collision or Comprehensive claim greater than $500 to which your deductible applies.

Your credits will be set to $0 if they are used during the policy period.

Losing Credits

Your credits will be lost and will be set to $0 during the policy period if:

a. At any time you do not have Collision or Limited Collision coverage on at least one Auto covered by the policy;

b. You or any operator listed on your policy is surcharged for an at-fault accident when there is no Collision or Limited Collision claim made;

c. Your deductible is waived in whole or part by coverage in the Elite Package Endorsement; or

d. The policy cancels with a lapse in coverage.

CIC-2212 (05/16) Copyright, The Commerce Insurance Company, 2016. Page 1 of 1

Vehicle Sharing and Public or Livery Conveyance Exclusion

This endorsement changes the policy. Please read it carefully.

We will not pay damages or benefits under any Coverage Part of your policy while your auto is:

1. In a vehicle sharing program. A vehicle sharing program includes the arrangement of the lease, rental or sharing of your auto with persons other than you or a household member for any type of compensation; or

2. Available for use as a public or livery conveyance, including use of your auto for hire through a ride sharing arrangement, or a Transportation Network Company (TNC) which operates under an agreement for compensation. This includes but is not limited to any period of time a vehicle is being used by you or any household member who is logged into a TNC as a driver, whether or not a passenger is occupying the vehicle. A TNC is defined as an online enabled application or digital network used to connect passengers with drivers using vehicles for the purpose of providing prearranged transportation services for compensation.

This Exclusion does not apply to a share-the-expense car pool.

PERSONAL AUTO

MA Auto

MA Auto PA800MA (05/16)

Includes copyright information from Insurance Services Office, Inc., 2014

Page 1 of 1

ADVISORY NOTICE TO POLICYHOLDER

VEHICLE SHARING AND PUBLIC OR LIVERY CONVEYANCE

This is a Notice regarding your Personal Auto Policy. No coverage is afforded by this Notice. This Notice does not replace any provision of your policy. You should review your policy for complete information on the coverages you are afforded. If there are conflicts between the Policy and this Notice, THE PROVISIONS OF YOUR PERSONAL AUTO POLICY SHALL PREVAIL.

Your policy excludes coverage for accidents that happen while your auto is being used:

1. In a vehicle sharing program; or

2. As a public or livery conveyance.

This exclusion applies to all coverage parts.

A vehicle sharing program includes the leasing, rental or sharing of your auto with persons other than you or a household member for any type of compensation.

A public or livery program includes using your vehicle for hire through a ride sharing arrangement for any type of compensation. This includes but is not limited to a Transportation Network Company (TNC). The public or livery conveyance concept implies that a vehicle is being used for a commercial purpose which may involve a charge. Services available to the general public as a conveyance for a charge is an exposure that falls within the scope of the public or livery conveyance exclusion.

A TNC is defined as an on-line enabled application or digital network used to connect passengers with drivers who use personal autos to provide prearranged transportation services for compensation.

You should:

Review your Personal Auto Policy and any applicable TNC or other insurance policy carefully; and

Contact your insurance agent or broker to discuss potential gaps in insurance coverage under your policy and the TNC or other policy which may arise while participating in a vehicle sharing, or public or livery program.

Copyright, The Commerce Insurance Company, 2016

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE

INSURANCE MANUAL

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE INSURANCE MANUAL

7 Copyright, The Commerce Insurance Company, 2016

RULE 11. PREMIUM CALCULATION RULE The term MAIP premium below refers to MAIP Rates effective 10/1/13.

Please note, for detailed calculation descriptions and factors within a step please see the specific sections of this manual.

Table A

STEP Coverage Parts Part 1 Part 2 Part 3 Part 4 Part 5 Part 6 Part 7 Part 8 Part 9Part 10

Part 11

Part 12 Total

1 Base Rate by Territory Code and Class

2 Limited Collision Factor x

3 Liability/Model Year Symbol Factor x x x x x x x x

4 Base Rate by Limit

5 Increased Limits Factor x x x x

6 Deductible Factor x x x x

7 Glass Deductible x

8 Waiver of Deductible +

9 Extra Risk Factor x x

10 Years Licensed Factor x x x x x x x x x x x x

11 Risk Factor x x x x x x x x x x x x

12 Driver to Vehicle (include deferred driver) Factor x x x x x x x x x x x x

13 Household Level Factor x x x x x x x x x x x x

14 Loyalty Plus Factor x x x x x x x x x x x x

15 Annual Mileage Discount x x x x x x x x x

16 Multi-Car Discount x x x x x x x

17 Anti-Theft Discount x

18 Account Discount x x x x x x x x x x x x

19 Shop Smart Credit x x x x x x x x x x x x

20 Welcome Back Credit x x x x x x x x x x x x

21 Group Discount x x x x x x x x x x x x

22 Marketing Partner Discount x x x x x x x x x x x x

23 Good Student Discount x x x x x x x x x x x x

24 Student Away From Home Discount x x x x x x x x x x x x

25 Smart Driver Discount x x x x x x x x x x x x

26 DriveAdvisor Discount x x x x x x x x x x x x

27 Clean in Three Discount x x x x

28 Senior Discount x x x x x x x x x x x x

29 Merit Rating Adjustment + + + + + +

30 Subtotal + + + + + + + + + + + +

31 Coverage Package Capping Factor

32 Sumproduct of Step 30 and Step 31

33 MAIP Premium for selected Coverages in Coverage Package

34 Capping Amount (Step 30)*min[(Step 33 divided by Step 32)-1,0]*(Step 31)

35 New Subtotal (Step 30 +Step 34)

36 Auto Loan/Lease Coverage x x

37 Accident Forgiveness x x x x x x x x x x x x

38 Paid In Full Discount & Green (Pay Plan) Discounts x x x x x x x x x x x x

39 Commerce Elite Package Endorsement +

40 Commerce Enhancer Package Endorsement +

Coverage Premium



Explanation of Steps 30-35: MAIP Capping (compliance with DOI Bulletin 2009-13) In order to comply with the Massachusetts Division of Insurance Bulletin 2009-13, Rating Steps 30-35 as found in Table A of Rule 11 ensure that for the “Coverage Package Premium not to Exceed MAIP Premium in Effect October 1, 2013” identified in Bulletin 2009-13, Exhibit 1, Commerce will charge no more than the MAIP premium for private passenger type vehicles as defined in Rule 27. The MAIP Capping calculation does not apply to miscellaneous type vehicles, including antique motor cars, antique motorcycles, motorcycles (incl. motor scooters, mopeds and similar motor vehicles), trailers and motor homes/camper bodies. This procedure will be calculated as follows: Step 30: Derive the manually rated premium by applying Steps 1 through 29 in Table A as found in Rule 11. This will be referred to in future rating steps as “Uncapped Premium” Step 31: Determine the Coverage Package Capping Factor from Tables B.1 –B.11, C, and D as found in Rule 11 applicable to each coverage based on the coverage limit selection for the rated vehicle. A factor equal to “1.000” will reflect that the Coverage Part falls within the definition of Bulletin 2009-13, Exhibit 1 and is subject to premium capping, a “0.000” (zero) will reflect that the Coverage Part is not included within the definition of Bulletin 2009-13, Exhibit 1 and is not subject to premium capping. Step 32: Multiply each Coverage Part’s Uncapped Premium by the Coverage Package Capping Factor as determined in Step 31. Add all Coverage Parts together. This total will be called “Applicable Capped Premium” for the Rated Vehicle. Step 33: Determine the applicable MAIP Premium for all Coverage Parts where the Coverage Package Capping Factor, as determined in Step 31, equals “1.000”. Sum all of the Coverage Part’s premium. This will be referred to in future rating steps as “Applicable MAIP Premium” Step 34: Determine the necessary Premium reduction for each Coverage Part using the formula:

Step 30 * MINIMUM ( [ Step 33 ÷ Step 32 ] – 1.00 , 0.00 ) * Step 31

or in words:

Uncapped Premium x MINIMUM of [ (A) Applicable MAIP Premium ÷ Applicable Capped Premium minus 1.00 ; (B) 0.000 (zero) ] x Coverage Package Capping Factor Note: This value will always be either a Negative Amount or Zero for each Coverage Part. Step 35: Step 30 + Step 34



Tables B.1 through B.11, C, and D

RULE 12. PREMIUM ROUNDING RULE The premium for each exposure will be rounded, separately for each coverage provided by the policy, as follows: 1. Steps 1 through 27, as provided in Rule 11, will be rounded to the penny after each step. 2, Step 28, 29 and 36-40 will be rounded to the nearest whole dollar, For whole dollar rounding, a premium involving $0.50 or more will be rounded to the next whole dollar at the end of each step. This does not apply to Part 5, 20/40 limits and Part 6, $5,000 limit where rates may be used or rounded to the lower whole dollar. This procedure will apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by Commerce, the return premium will be carried to the next higher whole dollar.



The Shop Smart Credit will continue to apply per the roll back period indicated within the Miscellaneous Rating Factor page (RS-2). A credit of the premium applicable for Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12 will be given to eligible policyholders. Refer to the Miscellaneous Rating Factors page for applicable discount, which is determined based on years at current residence, and, if such term is less than 7 years, date policy was submitted to Commerce. G. Good Student Discount The Good Student Discount applies provided the following criteria are met:

a) The rated operator: 1. Is classified in one of the following inexperienced operator classes: 17, 18, 20, 21, 25 or 26; and 2. Is a full time high school, home study, college, or university student.

b) The rated operator has met one of the following requirements:

1. Is in the upper 20% of his or her class scholastically; or 2. maintains a “B” average or higher, or its equivalent, or if the letter grading system cannot be averaged

then no grade can be below a “B”; or 3. in schools using numerical grade points, such as 4.0, 3.0, 2.0 and 1.0, had an average of at least 3.0

points or it’s equivalent for all subjects combined; or 4. was included on the “Dean’s List”, “Honor Roll” or comparable list indicating scholastic achievement. 5. In the case of home schooling, 2 options are given:

I. a standardized form certified by a 3rd party organization showing evidence that one of the qualifications listed above is satisfied; or

II. evidence of scoring in the upper 20% on an annual national standardized exam. The discount will be applied to Coverage Parts 1, 2, 4, 5, 7, 8, and 9. Refer to the Miscellaneous Rating Factors page for applicable discount. The Good Student Discount cannot be applied in conjunction with the Student Away from Home discount. If the insured is eligible for both discounts, the Student Away from Home discount will apply. H. Student Away from Home Discount The Student Away from Home Discount applies provided the following criteria are met:

a) The rated operator is classified in one of the following inexperienced operator classes: 17, 18, 20, 21, 25 or 26.

b) The rated operator is a student residing at an educational institution over 100 road miles from the automobile’s principal place of garaging.

c) The student does not have regular access to the covered vehicle while at school. The discount will be applied to Coverage Parts 1, 2, 4, 5, 7, 8, and 9. Refer to the Miscellaneous Rating Factors page for applicable discount. The Student Away from Home discount can not be applied in conjunction with the Good Student discount. If the rated operator is eligible for both discounts, the Student Away from Home Discount will apply. I. Paid-in-Full Discount The Paid-in-Full Discount applies to policies where the annual policy premium is paid in full, subject to the following: For new business, payment must be made in full upon down payment. For renewal business, payment must be made in full upon the first installment due date. Exceptions: (1) National Standard and Named Non-owned policies are not eligible for the discount, and; (2) Finance company payments do not qualify for the discount. The discount will be applied to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12. Note, this discount factor is added to the Green (Pay Plan) Discount factor. Refer to the Miscellaneous Rating Factors page for applicable discount.



J. Smart Driver Discount A Smart Driver Discount will apply if an eligible rated operator has completed a company approved Advanced Driver Training Program or the teenSMART Training Program. The following eligibility rules apply:

1) Vehicle must be a private passenger vehicle as defined in Rule 27. Vehicles classified as antiques, motorcycles, motor homes/campers and miscellaneous motor vehicle types are not eligible.

2) All operator classes are eligible for the discount when the Advanced Driver Training Program is completed. 3) Operator classes 17, 18, 20, 21, 25 & 26 only are eligible for the discount when the teenSMART Training

Program is completed. 4) Discount will apply for the 5 year period from when the course is completed. For teenSMART only, the discount

will apply for the 5 year period from when the course is completed or until the operator reaches class 10, whichever is earlier.

The maximum allowable discount at any given time is 5%, regardless of the number of training programs completed by an individual driver. The discount will be applied to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12. Refer to the Miscellaneous Rating Factors page for specific courses and their applicable discounts. K. Green (Pay Plan) Discount One of the following disounts will apply provided the following criteria are met:

A. EFT/EBill only The EFT/EBill Discount will apply provided the following criterion is met:

The insured is enrolled in either CIC’s Electronic Fund Transfer program (EFT) or Electronic Invoice (EBill) program.

B. Paperless (policy forms only) The Paperless Discount will apply provided the following criterion is met:

The insured must sign up to view and receive their policy forms electronically on CWEB.

C. EFT/EBill and Paperless The EFT/EBill and Paperless Discount will apply provided the following criteria are met:

The insured is enrolled in either CIC’s Electronic Fund Transfer program (EFT) or Electronic Invoice (EBill) program; and

The insured must sign up to view and receive their policy forms electronically on CWEB. Exception: -National Standard and Named Non-owned policies are not eligible for the discount,

The discount will be applied to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12. Note, this discount factor is added to the Paid-In-Full Discount factor. Refer to the Miscellaneous Rating Factors page for applicable discount. L. Clean in Three Discount The Clean in Three Discount will apply provided the following criteria are met: a.) The rated vehicle is subject to the Merit Rating Plan; b.) There are no at-fault accidents or traffic violations attributable to the rated operator during the three years immediately preceding the policy effective date; c.) The rated operator has been licensed for at least three years; and

d.) An electronic copy of the rated operator’s driving experience is made available to Commerce when the rated operator has prior driving experience outside of MA during the Merit Rating Experience Period.

Exceptions: -The rated operator’s Merit Rating points are 00, 98, or 99; -The rated operator’s Merit Rating points are greater than or equal to 5; -The rated operator has one or more days lapse in coverage within the last 12 months. The discount will be applied to Coverage Parts 1, 2, 4, and 7. Refer to the Miscellaneous Rating Factors page for applicable discount. M. Welcome Back Credit The Welcome Back Credit will apply to new business policies, effective 12-1-14 and subsequent, provided the following criteria are met:



b. Sidecars; c. Custom paint, custom plating, custom seats and custom exhaust; d.. Safety riding apparel. This includes safety apparel specifically designed to minimize injury from an

accident. This includes but is not limited to helmets, leather clothing, riding boots and gloves, and protective eyewear.

Certain exclusions will apply. Please refer to the endorsement for additional details. This endorsement may be purchased for any motorcycle that has Part 9 - Comprehensive Coverage in increments of $1,000, up to a maximum limit of $25,000. Please refer to the Miscellaneous Rate Page for the applicable premiums per $1,000 of coverage. DriveAdvisor Program Endorsement – CIC 2229 DriveAdvisor is a voluntary program available to eligible operators to promote safe, accident-free driving. As a DriveAdvisor participant, the insured will be provided with a device to install in their auto. The device collects data, which is analyzed for the purpose of providing online feedback and information about the insureds driving patterns. Participation in DriveAdvisor is subject to the program’s terms and conditions. DriveAdvisor Endorsement is eligible to Insureds who:

1. have a 1996 or newer automobile that is compatible with the DriveAdvisor device; and 2. provide a valid email address.

This program allows for a 5% discount and has no impact on coverage selections. If the participant withdraws from the DriveAdvisor Program at any time, the discount will be removed as per the relevant date. If the participant becomes disqualified from participating the program for failing to comply with the program’s terms of use, the discount will be removed as per the relevant date. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. Retail Benefit Program – CIC 2238 Retail Benefit Program is a voluntary program available to all policyholders.

Policyholders that choose to participate in the program may be eligible to receive benefits that include, from time to time based on availability, discounts on products and services provided by third party retail stores, extended warranty benefits, and/or other rewards.

This program has no impact on the premium or coverage selections. The benefits that are offered under the retail benefit program are subject to change at any time in our sole discretion. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. RULE 38. Disappearing Deductible Credit The Disappearing Deductible Credit is available to all eligible policyholders as of May 1, 2013. Endorsement CIC 2197 will be attached to all eligible new and renewal policies. For renewal policies issued on and after May 1, 2013, prior year(s) of coverage with Commerce count for the purposes of determining deductible credit awards. Eligibility The coverage applies if a premium is shown for any auto in the Coverage Selections Page for Collision or Limited Collision. Credit Awards Credits will be awarded after one full clean year where no credits were used or lost. “Clean Year” means any twelve month policy period in which the insured has their auto insured by Commerce and: (1) no operator was surcharged for an at-fault accident, and (2) the policy was free of hit and run Collision or Comprehensive loss payments greater than $500 for losses prior to July 1, 2015, or $1,000, for losses on or after July 1, 2015.



The Insured’s policy will earn a $50 credit for the first four consecutive clean year(s) after the initial clean year up to the policy period. In the fifth consecutive clean year, the Insured’s policy will earn a $100 credit. The maximum credits that can be earned is $300. If the credits are used or lost, a new clean policy year must be completed before the insured is awarded credits again. Using Credits Credits will be used to reduce the deductible amount that is owed on a Collision, Limited Collision or Comprehensive claim greater than $500 to which the deductible applies as long as the insured is not eligible for coverage under the Elite Package Endorsement. If the deductible is waived in whole or part by the Elite Package endorsement, that coverage prevails. Credits will be set to $0 if they are used during the policy period. Losing Credits Credits will be lost and will be set to $0 during the policy period if:

At any time the insured does not have Collision Limited Collision coverage on at least one auto covered by the policy;

The insured or any operator listed on the policy is surcharged for an at-fault accident when there is no Collision

or Limited Collision claim made;

The deductible is waived in whole or part by coverage in the Elite Package Endorsement;

The policy cancels with a lapse in coverage. Note: If the policyholder is eligible for the Welcome Back Credit, their prior Disappearing Deductible credits will not be honored. Credits will be earned as noted above.



RULE 40. ANTIQUE MOTOR CARS Any motor vehicle or motorcycle registered as an antique or, if not registered, is over twenty-five years old which is maintained solely for use in exhibitions, club activities, parades and other functions of public interest and which is not used primarily for the transportation of passengers or goods over any way, provided that the application for registration thereof is accompanied by an affidavit upon a form provided by the Registrar which will include a statement of the age and intended use of such motor vehicle. Refer to Rule 41 for Stated Amount Coverage. The merit rating plan does not apply to vehicles described in this Rule. Endorsement M-0047-S titled Antique Auto must be issued with the policy. Refer to the Miscellaneous Motor Vehicles page for rating methods and factors. An Antique Motor Vehicle is rated as follows:

1. For Coverage Parts 1, 2 4 and 5, charge a percentage of the otherwise applicable Class 10 private

passenger premium, in accordance with Rule 11, Premium Calculation. 2. For coverage Parts 3, 6 and 12 charge the applicable private passenger premium, in accordance with

Rule 11 – Premium Calculation. 3. For Coverage Parts 7, 8, and 9, determine the symbol based on the appraised value. Then charge a

percentage of the otherwise applicable Class 10 private passenger premium in accordance with Rule 11 – Premium Calculation, for the latest model year.

Antique Motor Vehicles are not eligible to receive Coverage Part 10, Substitute Transpiration and Part 11 – Towing and Labor. An Antique Motorcycle is rated as follows:

1. For Coverage Parts 1, 2 4 and 5, charge a percentage of the otherwise applicable motorcycle base premium in accordance with the motorcycle premium calculation rule.

2. For coverage Parts 3, 6 and 12 charge the applicable motorcycle premium in accordance with the motorcycle premium calculation rule.

3. For Coverage Parts 7, 8, and 9, determine the appraised value. Then charge a percentage of the Territory 1 base premium in accordance with the motorcycle premium calculation rule.

Antique Motorcycles are not eligible to receive Coverage Part 11 – Towing and Labor. This calculation and the applicable rating percentages are further defined in the Miscellaneous Motor Vehicle Rate Page. RULE 41. STATED AMOUNT COVERAGE Part 7 - Collision, Part 8 – Limited Collision and Part 9 - Comprehensive A motor vehicle will be insured on a stated amount basis when it can be clearly established that its value will produce an inadequate premium charge using normal rating procedures. In such case, the vehicle will be rated as follows:

1. An appraisal will be made at the time of application to establish the current market value of the vehicle. The cost of the appraisal will be borne by the policyholder. The company will verify the accuracy of the appraisal.

2. Using the appraised value and the vehicle’s model year, refer to Rule 22 to determine the symbol group. Obtain the stated amount rate from the Stated Amount Rate Calculation stated below. Apply the rate obtained to each $100 of the appraised valuation.

3. Determine final premium in accordance to Rule 11 – Premium Calculation We will provide physical damage coverage on a Stated Amount basis only once an appraisal is received and accepted by the Company. Policies with stated amount require an appraisal at new business and once every 3 years on renewal. Endorsement MPY-0027-S titled Stated Amount Coverage must be issued with the policy. This rating procedure is not available for antique automobiles which qualify under the Antique Motor Car Rule.



Stated Amount Rate Calculation A. Collision and Limited Collision Rating Procedures

1. Determine the Actual Cash Value premium for model year 2017 shown in the rate pages for the vehicle symbol developed from Rule 22 for the appropriate territory code, class and deductible. Divide the Actual Cash Value premium by the Stated Amount Divisor table. Round the result to the nearest cent. For Symbol 71 and above, use the Symbol 70 Actual Cash Value premium and divisor.

2. Apply the above rate to each $100 of insured value to determine the stated amount premium.

B. Comprehensive Stated Amount

1. Determine the Private Passenger latest year Class 10 manual rates by territory code for comprehensive. 2. Determine the comprehensive model year symbol factor based on model year 2017 for the symbol developed

from Rule 22. 3. Median Symbol value. Calculated as the lowest value for the price new range + (highest value for the price

new range minus the lowest value for the price new range)/2.00.

The comprehensive stated amount rate per $100 is calculated as {[Step 1 * Step 2 *100.00] / Step 3} rounded to the nearest cents.

C. Fire Stated Amount

1. Apply a factor of 13.15 to the Private Passenger comprehensive model year symbol factor based on model year 2017 for the symbol developed from Rule 22.

2. Median symbol value. Calculated as the lowest value for the price new range + (highest value for the price

new range minus the lowest value for the price new range)/2.00. The fire stated amount rate per $100 is calculated as {[Step 1* 100.00] / Step 2} rounded to the nearest cents. D. Theft Stated Amount

1. Comprehensive Stated Amount as calculated above 2. Fire Stated Amount rates as calculated above

The theft stated amount rate per $100 is calculated as { [0.70 * Step 1] – Step 2 } rounded to the nearest cents

E. Stated Amount C.A.C. with M.M.& V. 1. $500 Deductible 15% of the Stated Amount Comprehensive Rate 2. Additional Charges to Reduce Deductible from $500 - Same as Actual Cash Value Charges 3. For Higher Deductibles, Refer to Rule 16 RULE 42. FIRE, THEFT AND COMBINED ADDITIONAL COVERAGE A. Actual Cash Value Refer to Miscellaneous Rating Factors section for the applicable factors. B. Stated Amount Refer to the Rate Section for any specified peril Rule 43 RESERVED FOR FUTURE USE



Standards for Suspension of Physical Damage Coverage for Failure to Inspect If an inspection is not conducted prior to the expiration of the deferral period specified in 211 CMR 94.07 (1), Physical Damage Coverage on the Private Passenger Motor Vehicle is automatically suspended at 12:01 a.m. on the day following the tenth calendar day allowed by 211 CMR 94.07(1), and will continue until the inspection is effected. Commerce will reinstate Physical Damage Coverage effective at the time of inspection, in accordance to the Regulation, if the Applicant thereafter requests an inspection. Standards and Procedures for Inspection (1) Pre-insurance Inspections required or permitted pursuant 211 CMR 94.00 will be conducted by an Authorized

Representative of Commerce at a time and place reasonably convenient to the Applicant. A reasonable convenient time shall include, in addition to customary business hours, sufficient early morning, evening and weekend hours. A reasonably convenient place shall not be more than five miles from the city or town where the Private Passenger Motor Vehicle is principally garaged.

(2) (a) Any forms issued by Commerce to the Applicant, for presentation to the Authorized Representative will not

contain the Vehicle Identification Number (VIN) of the motor vehicle to be inspected. (b) The Inspection will: 1. be recorded in the Motor Vehicle Pre-Insurance Inspection Report; 2. include two color photographs of the Private Passenger Motor Vehicle; 3. include a close-up color photograph showing the Vehicle Identification Number (VIN) located on the

Environmental Protection Agency/Federal Certification Label (EPA) sticker affixed to the driver’s side door jamb. The photograph will be of sufficient clarity that the information contained on the EPA sticker and the VIN is legible. If the EPA sticker is damaged, faded, missing or otherwise not legible, a photograph of the EPA sticker or of the area of the door jamb where the sticker normally is located still is required.

(c) The Authorized Representative will take additional photographs showing any damaged areas of the Private

Passenger Motor Vehicle. (d) The inspection information and photographs must be sent immediately to Commerce which will be retained

for three years as provided by the Regulation. (3) Commerce will maintain an up-to-date list of all its authorized representatives and inspection sites. (4) There will be no additional or separate charge to the Applicant in connection with an inspection of a Private

Passenger Motor Vehicle. RULE 56. MERIT RATING PLAN The following is an overview of the terms of the Merit Rating Plan and its impact on underlying rates. Experience Period Each listed operator on a policy is assigned a merit rating based on the operator’s driving record. The merit rating adjustment is a percentage multiplied by the otherwise applicable premium that reflects the number, type, and age of at fault accidents and traffic violations of the operator during the policy experience period. The percentage can be either positive or negative. The policy experience period is the six years immediately preceding the effective date of the policy. The merit rating adjustment will be determined based on the merit rating code reported to us by the Merit Rating Board. Operators New to Massachusetts If an application for insurance indicates that an operator new to Massachusetts was licensed outside of Massachusetts within the last six years or such operator is being added to an existing policy, the operator’s policy experience period



will begin as of the effective date of that policy until Commerce receives an authorized inquiry response from the Merit Rating Board indicating the operator’s merit rating code. If an operator’s Motor Vehicle Report (MVR) is electronically available, Commerce will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVRs obtained from more than one state or country will be combined by Commerce and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with the MRB manual and its Administrative Procedures. An operator’s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. If an operator’s MVR is not electronically available, the operator’s policy experience period will begin as of the effective date of the policy until Commerce receives an authorized inquiry response from the Merit Rating Board with the operator’s actual merit rating code. The operator may obtain an official driving record or a record from a previous insurer and submit it to Commerce. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Commerce. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator’s record, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator’s record with motor vehicle violations or at-fault accidents must be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that occurred during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An “at-fault” accident is one in which the company determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor or major if it resulted in a claim payment for bodily injury liability, damage to someone else’s property, collision or limited collision based on the table below: If the accident occurred prior to July 1, 2015

Minor Accident Major Accident Total claim payment of at least $500 and up to $2,000. Total claim payment of more than $2,000.

If the accident occurred on or after July 1, 2015

Minor Accident Major Accident Total claim payment of more than $1,000 and up to $5,000.

Total claim payment of more than $5,000.

If the most recent at fault accident or traffic violation occurred less than three years prior to the policy effective date, the operator’s merit rating code will equal the sum of the points accumulated for at-fault accidents and traffic violations that occurred during the five years immediately preceding the effective date of the policy. If the most recent at fault accident or traffic violation occurred more than three years prior to the policy effective date, and the number of at fault accidents or traffic violations in the past five years is three or less, the points assigned to each incident shall be reduced by one, and the total number of points assigned to the operator shall be the sum of those reduced points. In no event shall the points for any at fault accident or traffic violation be reduced below zero. Points are not assigned to a non-criminal minor motor vehicle traffic law violation if it is the first such violation or if it occurs in the sixth (oldest) year in the six year policy experience period. If there are no at-fault accidents or traffic violations attributable to an operator during the six years immediately preceding the policy effective date, the operator’s merit rating code is 99. If there are no at-fault accidents or traffic violations attributable to an operator during the five years immediately preceding the policy effective date, the operator’s merit rating code is 98. In addition, a merit rating code of 98 will be assigned to an operator with at least 5 years of experience, with an incident free period equal to or greater than three, with 1 minor non criminal traffic violation that occurred in the 4th, 5th or 6th year of the experience period.


B-1 Copyright, The Commerce Insurance Company, 2016

PRIVATE PASSENGER ENDORSEMENTS ALPHABETICAL INDEX

TITLE FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed. 11-13) Accident Forgiveness CIC-2209 (Ed. 05-14) Advisory Notice to Policyholder Vehicle Sharing and Public or Livery Conveyance PA800MA (Ed 05/16) Agreed Amount – Comprehensive MPY-0034-S Ed. 04-08) Antique Auto M-0047-S (Ed. 04-08 Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed. 11-13) Commerce Elite Package Endorsement CIC 2126 (Ed. 05-13) Coverage for Anyone Renting An Auto To You M-0070-S (Ed. 11-11) Coverage for Customized Vans and Pickups MPY-0037-S (Ed. 04-08) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/16) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/15) Retail Benefit Program Endorsement CIC-2238 (Ed. 5/14) Enhancer Package Endorsement CIC 2122 (Ed. 11-13) Excess Electronic Equipment Coverage MPY-0041-S (Ed. 04-08 Rev.) $100 Glass Deductible MPY-0039-S (Ed. 04-08) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed. 04-08) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed. 09-11) Mobile Home Endorsement MPY-0002-S (Ed. 01-77) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed. 04-08) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed. 01-02) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed. 04-08) Other Optional Insurance – Combined Additional Coverage MPY-0031-S (Ed. 04-08) Other Optional Insurance – Fire, Lightning and Transportation MPY-0028-S (Ed. 04-08) Other Optional Insurance – Theft MPY-0029-S (Ed. 04-08) Stated Amount Coverage MPY-0027-S (Ed. 04-08 Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed. 04-08) Transportation of Fellow Employees, Students or Others M-0004-S (Ed. 04-08) Trust Endorsement M-0107-S (Ed. 01-06) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed. 04-08) Vehicle Sharing and Public or Livery Conveyance Exclusion CIC-2212 (Ed. 05/16) Waiver of Deductible MPY-0016-S (Ed. 04-08 Rev.)

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Town 10 17 18 20 21 25 26 30002 307 599 393 1,051 726 996 620 348 010 264 494 344 936 624 898 546 308 011 247 475 315 890 577 846 502 281 012 226 433 295 814 531 781 466 261 013 238 450 303 851 556 810 488 268 014 241 462 314 864 584 820 510 276 015 270 507 341 959 637 908 546 302 016 245 453 320 870 590 834 520 285 017 261 494 340 937 627 891 530 303 021 208 402 272 766 505 728 438 242 030 234 448 311 847 584 814 510 273 031 230 437 295 805 518 775 454 256 032 253 480 322 895 590 860 516 285 033 242 467 310 866 568 830 489 278 034 235 454 310 877 571 839 500 277 035 275 516 348 972 647 923 558 307 036 232 448 301 829 547 789 470 269 037 222 428 287 820 542 787 466 253 038 210 401 269 744 482 707 418 237 039 254 488 331 913 616 866 527 291 040 211 405 270 755 491 725 426 241 041 243 457 310 855 549 819 484 272 042 253 480 322 895 590 860 516 285 043 214 408 275 759 492 721 426 242 044 229 433 290 817 539 775 465 260 045 258 483 331 923 612 877 528 295 050 228 436 289 813 530 771 454 260 051 180 364 235 671 422 637 367 206 052 215 413 276 770 501 740 435 246 053 167 343 219 629 385 600 339 187 054 204 387 260 719 464 683 406 230 055 198 391 258 714 469 684 404 227 056 150 310 199 568 348 543 306 170 057 167 343 219 629 385 600 339 187 058 186 367 241 663 432 638 377 213 059 194 382 250 691 449 664 392 221 060 191 366 244 681 443 654 385 218 061 179 359 233 664 418 629 364 204 062 226 431 293 805 530 766 460 261 070 232 447 296 849 559 816 487 264 071 238 450 303 851 556 810 488 268 080 180 364 235 671 422 637 367 206 081 173 357 229 655 402 625 353 196 082 190 371 243 677 444 651 381 217 083 173 357 229 655 402 625 353 196 084 173 357 229 655 402 625 353 196 085 202 390 264 741 485 710 424 236 086 193 375 251 697 450 660 383 217 087 173 357 229 655 402 625 353 196 088 167 343 219 629 385 600 339 187 102 201 385 255 719 469 689 405 230

Property Damage (Part 4)

MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE MANUAL

R-17 Copyright, The Commerce Insurance Company, 2016

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110 150 310 199 568 348 543 306 170 111 185 364 243 668 433 640 372 209 112 182 346 228 648 421 621 366 200 130 150 310 199 568 348 543 306 170 131 167 343 219 629 385 600 339 187 132 190 371 243 677 444 651 381 217 133 203 383 252 718 467 688 405 222 134 169 332 220 608 397 583 341 191 135 167 343 219 629 385 600 339 187 136 184 363 239 670 428 638 373 210 137 167 343 219 629 385 600 339 187 138 185 364 243 668 433 640 372 209 139 185 364 243 668 433 640 372 209 140 173 350 227 648 402 613 349 196 170 167 343 219 629 385 600 339 187 171 202 380 251 718 465 688 403 219 172 167 343 219 629 385 600 339 187 173 202 380 251 718 465 688 403 219 174 173 350 227 648 402 613 349 196 175 167 343 219 629 385 600 339 187 176 167 343 219 629 385 600 339 187 177 185 364 243 668 433 640 372 209 178 167 343 219 629 385 600 339 187 179 167 343 219 629 385 600 339 187 180 185 364 243 668 433 640 372 209 181 167 343 219 629 385 600 339 187 182 167 343 219 629 385 600 339 187 183 167 343 219 629 385 600 339 187 184 173 350 227 648 402 613 349 196 185 173 350 227 648 402 613 349 196 186 187 368 245 673 440 646 378 210 200 279 535 363 982 665 943 578 318 201 276 530 363 970 665 923 589 312 202 259 485 334 936 614 886 531 294 210 232 447 296 840 554 799 477 264 211 245 469 320 877 604 840 517 282 212 254 488 331 913 616 866 527 291 213 243 465 318 877 592 840 517 282 214 228 430 290 797 514 765 454 256 215 221 421 282 781 504 743 441 249 230 243 465 318 877 592 840 517 282 231 242 466 309 873 565 829 496 278 232 225 433 294 846 553 795 475 260 233 225 433 288 828 542 787 471 258 234 232 447 296 840 554 799 477 264 235 247 475 315 890 577 846 502 281 236 219 420 287 805 517 771 450 251 237 221 423 287 813 522 771 455 254 238 251 476 319 897 592 850 516 285 239 233 446 301 847 554 802 480 269 240 226 430 283 815 538 783 468 253


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Town 10 17 18 20 21 25 26 30



300 334 598 399 1,064 735 1,008 632 350 302 252 469 323 896 599 860 523 288 303 267 548 380 938 643 897 562 287 304 249 482 321 880 587 837 513 282 310 210 399 266 750 493 713 418 235 311 238 453 304 847 549 802 475 269 312 227 435 289 820 538 781 470 261 313 227 439 293 828 543 788 470 261 314 245 470 314 884 584 838 497 279 315 211 408 269 759 495 728 428 240 316 251 481 327 918 591 872 516 290 317 253 483 323 909 602 873 530 284 318 208 398 266 727 489 698 418 235 319 250 480 321 902 596 856 508 284 320 271 518 348 975 645 929 558 305 321 285 551 374 1,006 685 958 585 321 322 276 520 352 990 655 941 562 309 330 216 415 274 774 508 735 431 242 331 211 405 270 755 491 725 426 241 332 211 405 270 755 491 725 426 241 333 219 417 277 780 510 750 435 245 334 260 503 341 931 636 893 552 304 335 175 350 232 656 408 629 358 203 336 208 396 267 741 478 703 415 237 337 256 490 325 922 607 877 525 290 338 273 509 347 956 646 919 554 314 339 191 371 247 687 448 653 382 215 340 235 446 296 845 547 801 472 260 341 211 405 270 755 486 725 426 241 342 224 430 283 815 538 783 468 253 343 224 435 282 789 516 757 450 249 344 180 364 235 671 422 637 367 206 370 204 387 260 719 464 683 406 230 371 222 431 282 796 518 759 442 254 400 244 473 357 853 636 818 555 302 402 229 424 299 828 543 791 479 260 403 219 468 314 826 549 793 482 287 410 188 353 241 661 424 636 375 211 411 150 310 199 568 348 543 306 170 412 182 343 228 648 419 621 364 199 420 243 465 318 877 592 840 517 282 421 245 469 318 885 592 840 517 282 422 213 404 273 755 490 718 423 241 423 213 407 281 789 502 756 446 247 424 212 398 271 753 496 722 441 239 425 236 444 301 844 554 809 479 263 430 167 343 219 629 385 600 339 187 431 185 364 243 668 433 640 372 209 432 150 310 199 568 348 543 306 170 433 167 343 219 629 385 600 339 187 434 167 343 219 629 385 600 339 187


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Town 10 17 18 20 21 25 26 30



435 185 364 243 668 433 640 372 209 436 208 391 267 733 469 703 415 234 437 173 350 227 648 402 613 349 196 440 186 364 243 676 442 640 376 210 441 219 416 279 783 516 745 456 247 442 232 443 302 844 542 801 476 266 443 218 413 280 765 494 734 437 247 444 213 407 281 789 502 756 446 247 445 234 450 299 849 556 816 489 266 470 167 343 219 629 385 600 339 187 471 167 343 219 629 385 600 339 187 472 167 343 219 629 385 600 339 187 473 167 343 219 629 385 600 339 187 474 167 343 219 629 385 600 339 187 475 167 343 219 629 385 600 339 187 476 202 380 251 718 465 688 403 219 477 186 364 243 676 442 640 376 210 478 185 364 243 668 433 640 372 209 479 185 364 243 668 433 640 372 209 480 167 343 219 629 385 600 339 187 481 167 343 219 629 385 600 339 187 482 202 380 251 718 465 688 403 219 483 167 343 219 629 385 600 339 187 484 167 343 219 629 385 600 339 187 490 208 391 267 733 469 703 415 234 491 210 397 269 736 473 707 418 237 492 210 396 262 748 484 710 415 229 493 232 447 296 840 554 799 477 264 494 188 371 246 683 446 647 379 213 495 173 357 229 655 402 625 353 196 496 188 371 246 683 446 647 379 213 497 202 380 251 718 470 688 403 222 510 217 419 282 811 531 779 466 249 511 211 405 270 755 486 725 426 241 512 220 419 282 774 497 744 437 247 513 216 413 282 789 508 756 446 247 514 208 391 267 733 469 703 415 234 530 210 397 269 736 473 707 418 237 531 173 353 229 655 402 619 353 196 532 173 353 229 655 402 619 353 196 533 202 380 251 718 470 688 403 222 534 173 350 227 648 402 613 349 196 570 173 350 227 648 402 613 349 196 571 167 343 219 629 385 600 339 187 573 167 343 219 629 385 600 339 187 574 226 427 283 805 525 763 449 254

576 185 364 243 668 433 640 372 209 577 179 359 233 664 418 629 364 204 578 167 343 219 629 385 600 339 187 580 204 402 265 736 477 698 411 232


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Town 10 17 18 20 21 25 26 30



581 173 350 227 648 402 613 349 196 582 186 364 243 676 442 640 376 210 600 270 525 348 963 638 915 553 304 601 255 509 362 935 645 896 565 302 602 334 627 417 1,103 764 1,046 657 371 603 334 627 417 1,103 764 1,046 657 371 604 296 573 390 1,044 707 994 609 335 605 273 516 347 976 648 928 554 309 606 252 487 334 890 606 855 522 287 607 268 513 344 956 640 908 550 304 608 264 504 344 949 640 902 546 304 610 251 481 330 924 591 878 519 290 611 244 461 316 865 551 828 487 276 612 224 431 282 789 516 750 446 249 613 195 406 260 742 452 710 400 225 614 243 461 309 859 568 826 506 274 615 280 526 353 991 656 940 563 313 616 210 401 265 735 483 705 419 238 617 214 406 269 761 493 731 430 234 618 214 414 274 781 512 743 446 245 619 264 513 339 952 630 912 550 303 620 195 406 260 742 452 710 400 225 621 244 461 316 865 551 828 487 276 622 244 461 316 865 551 828 487 276 623 280 524 355 987 657 945 571 317 624 272 516 345 971 642 931 549 309 625 219 416 284 780 496 747 440 249 626 241 462 310 862 577 820 496 274 630 195 406 260 742 452 710 400 225 631 250 484 323 902 602 864 517 284 632 210 401 269 744 482 707 418 237 633 230 446 290 811 542 779 462 255 634 243 469 310 883 580 842 500 277 635 250 480 328 902 589 865 516 288 636 180 371 238 677 422 649 371 206 637 237 450 298 839 547 804 473 260 638 195 406 260 742 452 710 400 225 639 221 430 288 787 514 756 440 248 640 194 382 250 691 449 664 392 221 641 245 475 316 891 584 855 513 281 642 180 371 238 677 422 649 371 206 643 203 391 262 724 479 694 408 229 644 195 388 256 728 452 698 398 225 645 175 366 234 670 408 640 361 203 646 243 469 310 883 580 842 500 277 647 179 359 233 664 418 629 364 204 648 226 428 288 797 518 759 446 251 649 237 450 299 845 547 811 476 260 650 195 404 260 739 452 707 400 225 651 244 461 316 865 551 828 487 276 652 242 467 310 866 568 830 489 278


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Town 10 17 18 20 21 25 26 30



670 197 383 255 707 458 671 396 225 671 195 388 256 728 452 698 398 225 672 195 388 256 728 452 698 398 225 673 200 390 260 722 468 684 403 228 674 221 430 288 787 514 756 440 248 702 288 529 372 1,020 690 980 589 332 703 285 551 374 1,006 685 958 585 321 710 280 524 355 987 657 945 571 317 711 273 509 347 956 646 919 549 311 712 277 524 353 984 657 934 554 318 713 217 414 277 757 510 728 435 245 714 276 539 363 984 657 943 575 313 715 237 450 299 845 547 811 476 260 716 260 503 338 931 630 885 546 301 717 312 571 387 1,018 694 977 608 340 718 282 545 365 995 680 948 574 319 719 249 477 316 883 575 842 495 284 720 221 430 288 787 514 756 440 248 721 283 526 357 1,001 662 960 575 313 730 274 530 349 973 652 924 558 305 731 228 430 290 797 514 765 454 256 732 225 431 284 796 518 765 446 256 733 237 450 299 845 547 811 476 260 734 228 430 290 797 514 765 454 256 735 279 542 355 992 657 942 564 313 736 195 406 260 742 452 710 400 225 737 195 404 260 739 452 707 400 225 738 195 404 260 739 452 707 400 225 739 204 402 267 736 477 705 415 232 740 228 436 289 813 530 771 454 260 741 262 495 336 922 613 886 541 299 742 250 480 328 902 589 865 521 288 743 220 424 280 789 510 750 442 249 802 311 603 398 1,053 709 998 618 340 803 355 654 428 1,094 776 1,041 682 377 810 290 556 370 1,012 678 972 589 329 815 282 568 361 1,008 658 960 554 318 816 319 621 399 1,068 726 1,023 620 338 817 302 605 391 1,029 687 977 589 333 818 323 654 402 1,094 722 1,041 622 350 819 351 680 448 1,154 788 1,080 680 381 820 363 698 514 1,096 799 1,039 701 420 821 276 582 384 991 670 943 575 311 822 282 591 384 988 656 939 559 318 823 285 653 386 1,008 706 970 608 335 824 351 657 471 1,031 740 981 648 359 900 285 545 367 1,011 680 963 583 325 902 243 465 318 877 592 840 517 282 910 188 353 241 661 422 636 375 211 911 234 445 299 838 554 795 488 264 912 211 405 270 755 486 725 426 241


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913 230 437 295 805 518 775 454 256 914 229 441 299 843 554 806 485 266 915 245 475 312 891 584 847 504 281 916 237 452 310 860 553 825 489 274 917 224 425 285 789 514 750 446 251 918 251 487 328 918 602 883 525 293 919 237 456 306 856 554 821 492 272 920 237 456 306 856 554 821 492 272 921 195 388 256 728 452 698 398 225 922 238 458 314 856 584 820 510 276 923 207 402 263 730 488 702 416 231 924 208 391 267 733 471 703 415 234 930 197 383 255 707 458 671 396 225 931 251 476 319 897 592 850 516 285 932 203 383 252 718 467 688 405 225 933 180 371 238 677 422 649 371 206 934 214 407 272 766 503 728 426 239 935 211 405 270 755 486 725 426 241 936 220 421 282 797 518 756 446 250 937 206 388 256 733 474 696 407 225 938 219 417 278 785 506 747 439 249 939 173 350 227 648 402 613 349 196 940 230 437 295 805 518 775 454 256 941 230 446 290 811 542 779 462 255 942 187 368 245 673 440 646 378 210 943 216 415 274 774 508 735 431 242 944 248 477 321 890 603 846 516 284 945 208 402 266 735 494 698 418 235 946 195 388 256 728 452 698 398 225 947 202 399 263 728 473 698 412 231 948 208 391 267 733 469 703 415 234 949 195 406 260 742 452 710 400 225 950 229 438 295 830 543 787 471 264 951 224 425 285 789 514 750 446 251 952 195 406 260 742 452 710 400 225 953 180 371 238 677 422 649 371 206 954 200 390 260 722 468 684 403 228 955 194 382 250 691 449 664 392 221 956 174 356 228 651 406 624 356 199 957 195 388 256 728 452 698 398 225 958 208 391 267 733 469 703 415 234 959 216 415 277 774 508 743 435 242 960 173 350 227 648 402 613 349 196 961 197 383 255 707 458 671 396 225 970 217 414 274 757 510 728 431 245 971 220 424 280 789 510 757 446 249 973 216 416 275 775 505 734 434 244 974 180 371 238 677 422 649 371 206 975 173 350 227 648 402 613 349 196 976 193 375 251 697 450 660 383 217 977 233 446 301 847 554 802 480 269


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Town 10 17 18 20 21 25 26 30



978 167 343 219 629 385 600 339 187 979 185 364 243 668 433 640 372 209 980 180 364 235 671 422 637 367 206 981 185 364 243 668 433 640 372 209 991 255 476 323 899 602 862 530 286 992 255 476 323 899 602 862 530 286 993 255 476 323 899 602 862 530 286 994 255 476 323 899 602 862 530 286 995 255 476 323 899 602 862 530 286 996 255 476 323 899 602 862 530 286 999 255 476 323 899 602 862 530 286


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10 17 18 20 21 25 26 30002 474 1,042 652 1,686 1,101 1,446 947 470 010 364 860 505 1,484 901 1,288 784 369 011 332 792 452 1,409 832 1,187 722 341 012 314 741 427 1,320 767 1,142 675 315 013 332 792 452 1,409 832 1,187 722 341 014 356 832 490 1,444 889 1,265 767 360 015 367 858 498 1,479 911 1,291 792 372 016 333 778 473 1,420 844 1,161 728 336 017 356 846 488 1,465 891 1,273 769 367 021 295 688 410 1,234 764 1,065 659 308 030 337 799 460 1,401 859 1,201 730 341 031 328 787 448 1,376 802 1,213 710 329 032 338 808 461 1,437 848 1,223 736 348 033 334 808 453 1,405 833 1,224 728 334 034 331 780 460 1,385 847 1,197 738 343 035 384 888 524 1,571 957 1,358 833 391 036 331 800 448 1,392 828 1,213 721 334 037 308 719 420 1,329 797 1,092 692 317 038 296 712 404 1,288 728 1,085 635 302 039 359 850 499 1,479 898 1,288 780 368 040 296 712 404 1,288 728 1,085 635 302 041 328 793 448 1,395 824 1,223 710 334 042 347 826 472 1,437 864 1,249 755 350 043 300 714 411 1,303 735 1,092 647 304 044 322 764 440 1,321 806 1,152 691 323 045 350 818 487 1,449 879 1,238 759 352 050 308 739 418 1,336 770 1,123 657 314 051 255 628 350 1,177 641 965 563 262 052 287 693 394 1,288 705 1,070 622 293 053 276 667 372 1,186 679 1,024 595 276 054 280 661 385 1,183 685 1,018 603 281 055 264 640 363 1,240 663 996 573 270 056 234 577 321 1,080 588 885 517 241 057 287 692 392 1,231 718 1,072 615 288 058 276 667 372 1,186 679 1,024 595 276 059 298 722 402 1,284 736 1,111 644 297 060 280 661 385 1,183 685 1,018 603 281 061 295 722 398 1,284 736 1,111 644 295 062 305 739 413 1,336 762 1,123 657 311 070 312 727 428 1,357 813 1,114 706 323 071 332 792 452 1,409 832 1,187 722 341 080 255 628 350 1,177 641 965 563 262 081 266 647 364 1,187 668 994 586 272 082 255 628 350 1,177 641 965 563 262 083 295 729 398 1,293 736 1,133 644 295 084 298 713 408 1,256 746 1,093 640 301 085 292 688 406 1,234 748 1,056 657 303 086 269 640 367 1,240 676 996 579 276 087 263 634 357 1,177 654 974 575 269 088 255 628 350 1,177 641 965 563 262 102 281 678 379 1,226 701 1,031 603 285


Premium Town

Collision (Part 7)


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Premium Town

Collision (Part 7)

110 234 577 321 1,080 588 885 517 241 111 269 640 367 1,240 676 996 579 276 112 251 595 334 1,180 599 957 532 250 130 234 577 321 1,080 588 885 517 241 131 255 628 350 1,177 641 965 563 262 132 263 634 357 1,177 654 974 575 269 133 293 690 395 1,287 713 1,067 630 297 134 259 625 354 1,140 646 940 563 262 135 263 634 357 1,177 654 974 575 269 136 263 634 357 1,177 654 974 575 269 137 263 634 357 1,177 654 974 575 269 138 282 681 385 1,240 703 1,023 614 284 139 264 640 363 1,240 663 996 573 270 140 255 628 350 1,177 641 965 563 262 170 276 667 372 1,186 679 1,024 595 276 171 282 660 374 1,287 679 1,042 598 283 172 281 675 381 1,205 686 1,046 603 283 173 273 647 364 1,287 653 1,042 580 272 174 281 675 381 1,205 686 1,046 603 281 175 263 634 357 1,177 654 974 575 269 176 281 675 381 1,205 686 1,046 603 283 177 264 640 363 1,240 663 996 573 270 178 266 653 364 1,201 668 1,004 586 272 179 266 647 364 1,187 668 994 586 272 180 269 640 367 1,240 676 996 579 276 181 255 628 350 1,177 641 965 563 262 182 298 729 402 1,293 736 1,133 644 297 183 255 628 350 1,177 641 965 563 262 184 266 647 364 1,187 668 994 586 272 185 266 647 364 1,187 668 994 586 272 186 287 692 388 1,240 720 1,046 625 293 200 395 942 567 1,560 1,014 1,355 867 416 201 390 918 546 1,522 978 1,327 855 401 202 359 842 491 1,450 882 1,266 777 367 210 314 739 431 1,329 797 1,113 692 323 211 346 815 476 1,415 872 1,227 753 354 212 353 842 490 1,450 880 1,264 765 360 213 331 792 458 1,401 849 1,196 728 338 214 317 742 431 1,315 777 1,142 684 318 215 293 712 404 1,288 721 1,085 635 299 230 342 815 476 1,415 863 1,227 753 350 231 324 771 443 1,409 824 1,167 709 322 232 306 709 421 1,357 813 1,097 706 320 233 320 746 436 1,342 806 1,124 700 326 234 314 739 431 1,329 797 1,113 692 323 235 347 817 472 1,437 855 1,236 747 350 236 296 720 404 1,336 758 1,118 648 299 237 305 727 411 1,336 758 1,118 654 306 238 333 801 454 1,409 831 1,199 725 336 239 314 739 431 1,329 797 1,113 692 323


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Premium Town

Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Limited Collision (Part 8)


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239 37.680 88.680 51.720 159.480 95.640 133.560 83.040 38.760240 38.520 90.840 52.920 161.280 97.680 138.000 86.040 40.080300 59.640 137.160 83.640 205.920 147.480 168.000 127.320 61.320302 42.240 101.160 59.400 174.360 105.960 151.440 92.280 42.840303 48.720 118.560 69.120 183.960 118.320 158.400 103.560 51.000304 44.040 103.800 60.120 169.800 108.480 145.080 94.560 44.760310 34.560 81.480 46.200 154.440 83.880 126.000 74.280 34.560311 40.320 94.920 54.720 164.040 98.640 144.000 86.160 40.320312 36.360 87.120 50.880 155.160 94.680 131.640 82.680 38.160313 36.360 87.120 50.880 155.160 94.680 131.640 82.680 38.160314 40.440 94.920 55.920 169.080 103.080 144.720 90.000 42.000315 37.680 89.400 50.400 158.040 91.800 137.520 80.160 37.560316 41.640 101.760 56.520 178.920 105.360 154.440 90.960 42.240317 42.000 100.320 57.240 172.320 107.280 148.920 91.920 42.720318 35.160 85.440 47.880 150.600 88.560 129.840 76.800 35.640319 41.400 97.680 57.000 172.440 105.240 147.840 91.800 42.720320 44.760 107.280 62.640 186.600 115.800 160.560 99.600 46.080321 52.440 123.240 71.160 205.800 130.800 176.280 111.720 53.760322 46.560 109.440 62.760 188.520 114.840 164.160 101.160 47.520330 36.600 85.320 49.440 156.000 89.160 130.800 77.880 36.960331 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160332 38.520 90.720 52.320 158.640 94.560 139.800 82.680 38.640333 35.160 85.440 47.880 150.600 88.560 129.840 76.800 35.640334 45.480 108.840 62.640 190.680 115.440 164.160 99.480 46.560335 31.560 75.840 42.720 135.360 77.160 117.480 67.800 31.560336 33.720 81.360 46.200 154.560 82.560 127.080 72.480 33.360337 42.600 100.440 57.840 175.200 107.400 153.840 92.040 42.600338 46.200 109.680 64.920 190.080 116.040 163.080 101.040 46.920339 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160340 39.120 93.120 53.040 162.000 95.520 141.960 83.400 39.360341 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240342 35.880 83.640 49.320 159.480 93.840 128.400 82.200 37.320343 38.400 91.200 51.480 160.560 91.800 139.200 81.840 38.160344 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120370 34.680 84.120 47.520 147.720 87.120 129.600 75.000 35.400371 36.840 87.120 50.280 155.160 90.360 134.280 79.560 36.960400 44.400 105.360 72.960 168.360 117.360 146.880 101.400 46.200402 36.960 87.840 51.120 154.440 94.080 131.880 81.120 38.040403 39.960 95.880 62.040 157.680 105.240 135.360 91.200 44.880410 30.960 74.760 42.480 141.960 75.840 116.760 66.600 30.360411 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920412 31.800 74.880 42.480 141.600 77.040 115.920 68.160 31.800420 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560421 40.440 94.920 54.720 168.120 101.880 144.120 86.760 40.560422 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480423 35.880 85.440 48.840 160.320 90.000 131.520 76.920 36.000424 34.680 83.160 47.400 155.280 88.920 126.000 76.560 35.040425 38.520 92.280 52.560 158.280 98.640 136.800 84.480 39.360430 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440431 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080


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432 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920433 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440434 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440435 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400436 33.720 81.360 46.200 154.560 82.560 127.080 72.480 33.120437 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280440 33.000 80.040 45.240 151.920 82.800 124.560 71.640 33.720441 36.600 88.320 50.040 155.280 91.440 132.120 79.920 36.960442 39.360 94.080 53.280 163.560 98.040 142.560 85.680 39.720443 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600444 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360445 39.360 91.680 54.720 162.840 100.920 142.200 87.120 41.040470 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280471 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440472 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440473 35.400 86.640 47.760 154.080 88.320 133.320 77.280 35.400474 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440475 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440476 35.880 85.080 48.600 154.440 87.000 130.920 77.520 36.240477 34.440 82.560 47.160 148.800 86.160 123.840 74.400 34.800478 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080479 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400480 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280481 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440482 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120483 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440484 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440490 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760491 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240492 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400493 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040494 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160495 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280496 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720497 34.560 81.480 46.200 154.440 83.880 126.000 74.280 34.560510 38.520 89.880 53.640 161.280 99.960 139.320 86.160 40.320511 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160512 35.160 85.440 48.480 154.560 86.520 130.200 76.200 35.880513 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360514 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760530 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480531 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280532 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640533 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960534 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280570 31.920 78.360 43.680 145.680 80.160 120.480 70.320 32.640571 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280573 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640574 36.480 86.640 49.200 160.320 90.600 131.520 78.360 36.720576 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880


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577 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320578 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120580 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720581 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680582 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720600 48.960 118.560 67.080 197.400 122.520 164.760 105.960 50.280601 44.400 108.480 69.480 181.680 119.400 154.800 103.920 47.520602 67.560 147.960 90.000 216.480 154.800 176.400 135.120 66.360603 65.160 144.960 86.520 216.480 153.360 176.400 132.360 64.560604 52.440 123.240 70.680 202.800 130.200 176.280 111.720 53.040605 46.200 109.680 62.640 192.120 117.480 166.200 100.920 46.440606 46.680 110.880 63.120 178.800 116.160 155.520 100.440 47.280607 44.640 105.720 60.720 183.000 112.080 159.360 96.720 45.720608 44.640 105.480 60.720 184.680 113.160 158.760 96.720 45.720610 41.640 101.760 56.520 178.920 105.360 154.440 90.960 42.240611 42.000 100.080 57.720 179.760 103.440 155.640 90.000 41.160612 36.240 86.040 49.080 154.440 88.800 130.920 78.240 36.960613 36.480 88.440 49.560 156.840 90.840 137.520 79.680 36.720614 39.960 96.120 54.480 169.080 99.720 143.880 87.000 40.320615 46.080 106.560 62.880 188.520 114.840 162.960 99.960 46.920616 34.680 83.160 47.520 145.680 85.080 128.520 75.000 34.800617 36.720 86.640 49.200 162.840 88.320 138.000 78.360 36.600618 36.240 86.400 49.920 152.880 94.080 129.120 81.000 37.680619 45.840 110.880 62.760 190.800 113.520 163.800 99.360 45.720620 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680621 41.400 97.320 56.400 170.880 101.640 148.560 88.560 41.160622 41.400 98.280 57.000 172.440 101.640 150.120 89.520 41.160623 46.800 109.680 65.400 192.120 117.000 163.080 101.040 46.920624 45.840 107.520 62.760 187.200 113.520 163.080 97.560 45.240625 37.800 91.800 51.840 160.920 93.120 141.600 81.960 36.960626 40.560 95.760 55.200 169.800 102.960 144.360 87.840 41.640630 36.840 91.080 49.560 159.840 91.680 140.160 80.520 36.720631 42.960 100.200 60.240 184.560 112.560 156.720 98.640 45.240632 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760633 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720634 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720635 42.360 102.600 57.600 178.800 107.520 156.120 92.760 43.080636 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320637 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720638 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720639 39.480 94.560 53.040 164.040 98.640 143.400 84.720 39.480640 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320641 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200642 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320643 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400644 35.760 86.520 48.960 152.280 89.520 133.800 76.800 36.120645 33.240 81.960 44.640 148.560 82.560 130.560 72.480 33.120646 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040647 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280648 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240


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649 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680650 35.040 84.240 47.400 149.040 85.680 129.360 75.360 35.160651 42.000 102.120 57.720 180.720 103.440 158.880 91.080 41.160652 41.760 97.680 57.000 172.440 102.240 150.720 90.000 42.000670 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240671 36.120 86.640 48.720 154.080 89.880 133.320 78.240 36.000672 36.480 88.440 49.560 158.640 90.840 139.320 79.680 36.720673 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080674 39.480 96.240 53.400 170.520 99.600 147.480 86.520 39.480702 50.280 117.240 69.000 203.640 123.600 174.480 106.560 50.280703 52.440 123.240 71.160 205.800 130.800 176.280 111.720 53.760710 45.240 107.400 63.000 184.320 113.760 159.840 99.000 46.080711 45.360 107.400 62.880 185.400 112.560 159.840 97.920 46.080712 46.200 109.680 64.920 190.080 116.040 163.080 101.040 46.920713 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240714 47.760 115.080 66.120 192.480 119.160 164.160 103.920 49.080715 40.080 94.080 54.240 168.720 97.200 144.600 85.320 40.320716 44.640 105.720 60.720 181.560 112.080 159.360 96.720 44.760717 55.920 124.920 74.520 202.080 132.120 176.400 115.200 54.720718 49.920 117.720 68.160 192.480 122.880 164.400 107.160 50.760719 41.040 97.680 55.680 172.080 102.240 149.280 88.440 42.000720 39.480 96.240 53.400 169.080 99.600 146.160 86.520 39.480721 46.080 106.560 63.000 186.960 114.840 162.960 98.880 46.920730 44.040 108.720 62.160 177.720 112.440 155.520 97.440 45.240731 35.880 85.440 49.320 154.560 88.320 130.200 76.920 36.600732 37.680 88.920 51.240 158.400 92.040 137.040 81.000 37.800733 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680734 38.040 89.880 52.320 159.360 93.240 137.040 82.080 38.160735 46.440 112.320 63.840 186.960 115.920 161.040 100.320 47.760736 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720737 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720738 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160739 36.000 86.520 48.600 154.920 89.760 130.560 78.000 36.600740 38.160 92.400 51.720 162.000 95.280 139.800 83.040 38.520741 45.840 108.600 62.760 188.880 113.520 162.480 98.280 45.720742 42.720 103.680 58.080 180.480 109.680 157.560 93.600 43.080743 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240802 68.280 144.960 88.560 204.000 137.160 163.200 118.320 67.200803 74.280 151.920 93.360 209.640 160.800 170.040 139.320 71.160810 53.880 127.200 77.640 211.320 141.960 177.840 123.240 57.360815 51.360 120.720 69.720 202.320 123.120 170.040 107.160 51.840816 59.160 137.400 80.880 207.120 141.360 166.200 122.760 61.320817 55.920 131.400 82.440 199.800 137.280 160.320 120.000 59.520818 65.040 146.040 87.840 205.080 152.400 163.800 132.240 66.120819 70.920 157.680 97.680 216.480 167.400 167.640 144.960 77.280820 69.960 147.960 99.720 202.920 161.760 160.800 138.960 92.880821 53.640 127.560 85.440 200.520 134.280 166.200 115.920 56.040822 53.160 122.760 75.720 197.400 127.920 163.080 111.720 54.600823 54.120 127.440 82.800 200.520 133.920 166.320 116.520 57.600824 73.320 156.480 98.640 204.360 164.640 163.200 142.920 74.640


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900 49.440 117.720 70.080 194.880 125.520 169.200 108.360 51.840902 41.640 99.000 57.600 172.320 103.560 148.560 90.000 42.360910 32.280 78.480 44.400 141.960 79.560 119.520 69.960 33.000911 37.800 90.720 51.600 169.080 96.840 137.160 83.280 38.040912 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600913 39.360 93.360 53.280 164.040 97.800 144.000 84.360 40.080914 38.880 90.840 53.640 161.280 99.960 139.320 86.160 40.320915 41.040 94.920 55.440 167.160 103.080 144.720 89.160 41.880916 41.040 98.760 55.680 173.880 102.240 150.720 88.440 42.000917 38.520 90.720 52.320 158.640 94.560 139.800 82.680 38.640918 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200919 41.400 98.880 56.400 171.000 103.200 147.720 88.560 41.400920 41.640 98.040 56.640 172.440 102.600 148.320 89.640 42.000921 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680922 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560923 35.280 83.880 47.760 147.240 86.040 127.800 75.120 35.400924 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240930 35.160 84.120 48.120 151.920 87.840 127.680 76.560 35.640931 42.600 100.200 57.840 175.200 106.320 152.160 92.040 42.600932 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960933 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320934 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400935 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440936 38.160 91.320 51.600 163.560 95.160 138.720 82.080 38.760937 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240938 37.320 88.200 51.240 156.360 92.280 134.280 80.400 37.800939 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640940 38.880 93.360 52.800 162.480 96.840 142.440 83.400 39.720941 39.120 92.280 52.440 161.280 95.520 140.280 83.280 39.000942 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080943 35.400 83.160 47.760 154.440 86.520 127.320 75.720 35.760944 42.720 99.840 58.800 173.280 106.680 151.800 92.040 43.200945 34.800 83.040 47.040 148.800 87.240 125.520 75.720 35.880946 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160947 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720948 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440949 36.840 90.000 49.560 158.640 91.680 137.400 80.520 36.720950 38.160 89.880 52.920 161.280 97.680 138.000 86.040 39.720951 39.360 94.440 53.760 165.120 96.240 145.560 85.200 39.480952 36.840 90.000 49.560 160.200 91.680 138.600 80.520 36.720953 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320954 34.800 83.280 47.760 148.800 87.000 125.280 75.000 35.640955 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720956 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440957 34.440 83.160 46.440 148.080 84.720 127.800 74.400 34.320958 34.680 83.040 47.760 154.560 86.040 128.400 74.760 34.320959 39.120 93.120 53.040 162.000 95.520 141.960 83.400 39.360960 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640961 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160970 38.400 90.360 52.200 158.280 95.280 137.160 82.080 39.000


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971 36.960 86.880 50.160 156.000 90.480 133.560 78.960 37.440973 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120974 35.760 85.560 48.960 150.720 89.520 131.160 76.800 36.120975 35.520 84.000 48.120 147.720 87.840 129.840 75.360 35.760976 35.160 84.960 48.120 154.920 87.840 127.680 76.560 35.640977 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720978 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440979 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160980 34.680 82.560 47.040 146.040 85.680 126.720 74.520 35.160981 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880991 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640992 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640993 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640994 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640995 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640996 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640999 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640


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Comprehensive (Part 9)

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Premium Town240 125 125 125 125 125 125 125 125 300 187 187 187 187 187 187 187 187 302 139 139 139 139 139 139 139 139 303 226 226 226 226 226 226 226 226 304 149 149 149 149 149 149 149 149 310 120 120 120 120 120 120 120 120 311 123 123 123 123 123 123 123 123 312 129 129 129 129 129 129 129 129 313 129 129 129 129 129 129 129 129 314 129 129 129 129 129 129 129 129 315 121 121 121 121 121 121 121 121 316 111 111 111 111 111 111 111 111 317 135 135 135 135 135 135 135 135 318 114 114 114 114 114 114 114 114 319 115 115 115 115 115 115 115 115 320 139 139 139 139 139 139 139 139 321 156 156 156 156 156 156 156 156 322 114 114 114 114 114 114 114 114 330 109 109 109 109 109 109 109 109 331 123 123 123 123 123 123 123 123 332 122 122 122 122 122 122 122 122 333 114 114 114 114 114 114 114 114 334 139 139 139 139 139 139 139 139 335 111 111 111 111 111 111 111 111 336 122 122 122 122 122 122 122 122 337 132 132 132 132 132 132 132 132 338 137 137 137 137 137 137 137 137 339 114 114 114 114 114 114 114 114 340 121 121 121 121 121 121 121 121 341 122 122 122 122 122 122 122 122 342 129 129 129 129 129 129 129 129 343 121 121 121 121 121 121 121 121 344 111 111 111 111 111 111 111 111 370 110 110 110 110 110 110 110 110 371 119 119 119 119 119 119 119 119 400 177 177 177 177 177 177 177 177 402 127 127 127 127 127 127 127 127 403 149 149 149 149 149 149 149 149 410 112 112 112 112 112 112 112 112 411 110 110 110 110 110 110 110 110 412 108 108 108 108 108 108 108 108 420 121 121 121 121 121 121 121 121 421 125 125 125 125 125 125 125 125 422 102 102 102 102 102 102 102 102 423 102 102 102 102 102 102 102 102 424 106 106 106 106 106 106 106 106 425 118 118 118 118 118 118 118 118 430 99 99 99 99 99 99 99 99 431 101 101 101 101 101 101 101 101 432 100 100 100 100 100 100 100 100 433 99 99 99 99 99 99 99 99


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town434 111 111 111 111 111 111 111 111 435 114 114 114 114 114 114 114 114 436 113 113 113 113 113 113 113 113 437 110 110 110 110 110 110 110 110 440 99 99 99 99 99 99 99 99 441 108 108 108 108 108 108 108 108 442 113 113 113 113 113 113 113 113 443 110 110 110 110 110 110 110 110 444 101 101 101 101 101 101 101 101 445 120 120 120 120 120 120 120 120 470 109 109 109 109 109 109 109 109 471 109 109 109 109 109 109 109 109 472 109 109 109 109 109 109 109 109 473 110 110 110 110 110 110 110 110 474 111 111 111 111 111 111 111 111 475 99 99 99 99 99 99 99 99 476 120 120 120 120 120 120 120 120 477 108 108 108 108 108 108 108 108 478 111 111 111 111 111 111 111 111 479 108 108 108 108 108 108 108 108 480 111 111 111 111 111 111 111 111 481 108 108 108 108 108 108 108 108 482 112 112 112 112 112 112 112 112 483 107 107 107 107 107 107 107 107 484 108 108 108 108 108 108 108 108 490 109 109 109 109 109 109 109 109 491 114 114 114 114 114 114 114 114 492 109 109 109 109 109 109 109 109 493 120 120 120 120 120 120 120 120 494 113 113 113 113 113 113 113 113 495 108 108 108 108 108 108 108 108 496 111 111 111 111 111 111 111 111 497 113 113 113 113 113 113 113 113 510 119 119 119 119 119 119 119 119 511 112 112 112 112 112 112 112 112 512 110 110 110 110 110 110 110 110 513 113 113 113 113 113 113 113 113 514 113 113 113 113 113 113 113 113 530 113 113 113 113 113 113 113 113 531 107 107 107 107 107 107 107 107 532 110 110 110 110 110 110 110 110 533 109 109 109 109 109 109 109 109 534 108 108 108 108 108 108 108 108 570 107 107 107 107 107 107 107 107 571 108 108 108 108 108 108 108 108 573 110 110 110 110 110 110 110 110 574 112 112 112 112 112 112 112 112 576 111 111 111 111 111 111 111 111 577 108 108 108 108 108 108 108 108 578 111 111 111 111 111 111 111 111 580 107 107 107 107 107 107 107 107


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town581 107 107 107 107 107 107 107 107 582 111 111 111 111 111 111 111 111 600 137 137 137 137 137 137 137 137 601 146 146 146 146 146 146 146 146 602 177 177 177 177 177 177 177 177 603 177 177 177 177 177 177 177 177 604 155 155 155 155 155 155 155 155 605 118 118 118 118 118 118 118 118 606 149 149 149 149 149 149 149 149 607 125 125 125 125 125 125 125 125 608 120 120 120 120 120 120 120 120 610 113 113 113 113 113 113 113 113 611 116 116 116 116 116 116 116 116 612 109 109 109 109 109 109 109 109 613 111 111 111 111 111 111 111 111 614 118 118 118 118 118 118 118 118 615 124 124 124 124 124 124 124 124 616 109 109 109 109 109 109 109 109 617 105 105 105 105 105 105 105 105 618 116 116 116 116 116 116 116 116 619 132 132 132 132 132 132 132 132 620 109 109 109 109 109 109 109 109 621 110 110 110 110 110 110 110 110 622 123 123 123 123 123 123 123 123 623 139 139 139 139 139 139 139 139 624 132 132 132 132 132 132 132 132 625 121 121 121 121 121 121 121 121 626 125 125 125 125 125 125 125 125 630 98 98 98 98 98 98 98 98 631 108 108 108 108 108 108 108 108 632 112 112 112 112 112 112 112 112 633 112 112 112 112 112 112 112 112 634 125 125 125 125 125 125 125 125 635 119 119 119 119 119 119 119 119 636 108 108 108 108 108 108 108 108 637 115 115 115 115 115 115 115 115 638 100 100 100 100 100 100 100 100 639 99 99 99 99 99 99 99 99 640 108 108 108 108 108 108 108 108 641 132 132 132 132 132 132 132 132 642 110 110 110 110 110 110 110 110 643 111 111 111 111 111 111 111 111 644 109 109 109 109 109 109 109 109 645 105 105 105 105 105 105 105 105 646 129 129 129 129 129 129 129 129 647 108 108 108 108 108 108 108 108 648 110 110 110 110 110 110 110 110 649 119 119 119 119 119 119 119 119 650 108 108 108 108 108 108 108 108 651 118 118 118 118 118 118 118 118 652 119 119 119 119 119 119 119 119


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town670 111 111 111 111 111 111 111 111 671 109 109 109 109 109 109 109 109 672 98 98 98 98 98 98 98 98 673 107 107 107 107 107 107 107 107 674 108 108 108 108 108 108 108 108 702 126 126 126 126 126 126 126 126 703 151 151 151 151 151 151 151 151 710 139 139 139 139 139 139 139 139 711 133 133 133 133 133 133 133 133 712 133 133 133 133 133 133 133 133 713 114 114 114 114 114 114 114 114 714 142 142 142 142 142 142 142 142 715 112 112 112 112 112 112 112 112 716 127 127 127 127 127 127 127 127 717 177 177 177 177 177 177 177 177 718 150 150 150 150 150 150 150 150 719 118 118 118 118 118 118 118 118 720 111 111 111 111 111 111 111 111 721 135 135 135 135 135 135 135 135 730 137 137 137 137 137 137 137 137 731 118 118 118 118 118 118 118 118 732 119 119 119 119 119 119 119 119 733 112 112 112 112 112 112 112 112 734 122 122 122 122 122 122 122 122 735 139 139 139 139 139 139 139 139 736 107 107 107 107 107 107 107 107 737 109 109 109 109 109 109 109 109 738 108 108 108 108 108 108 108 108 739 113 113 113 113 113 113 113 113 740 118 118 118 118 118 118 118 118 741 125 125 125 125 125 125 125 125 742 107 107 107 107 107 107 107 107 743 118 118 118 118 118 118 118 118 802 320 320 320 320 320 320 320 320 803 216 216 216 216 216 216 216 216 810 164 164 164 164 164 164 164 164 815 124 124 124 124 124 124 124 124 816 185 185 185 185 185 185 185 185 817 200 200 200 200 200 200 200 200 818 209 209 209 209 209 209 209 209 819 281 281 281 281 281 281 281 281 820 306 306 306 306 306 306 306 306 821 206 206 206 206 206 206 206 206 822 150 150 150 150 150 150 150 150 823 224 224 224 224 224 224 224 224 824 306 306 306 306 306 306 306 306 900 158 158 158 158 158 158 158 158 902 131 131 131 131 131 131 131 131 910 109 109 109 109 109 109 109 109 911 118 118 118 118 118 118 118 118 912 120 120 120 120 120 120 120 120


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town913 123 123 123 123 123 123 123 123 914 122 122 122 122 122 122 122 122 915 116 116 116 116 116 116 116 116 916 119 119 119 119 119 119 119 119 917 110 110 110 110 110 110 110 110 918 122 122 122 122 122 122 122 122 919 121 121 121 121 121 121 121 121 920 107 107 107 107 107 107 107 107 921 108 108 108 108 108 108 108 108 922 133 133 133 133 133 133 133 133 923 115 115 115 115 115 115 115 115 924 110 110 110 110 110 110 110 110 930 113 113 113 113 113 113 113 113 931 129 129 129 129 129 129 129 129 932 112 112 112 112 112 112 112 112 933 109 109 109 109 109 109 109 109 934 112 112 112 112 112 112 112 112 935 114 114 114 114 114 114 114 114 936 119 119 119 119 119 119 119 119 937 110 110 110 110 110 110 110 110 938 109 109 109 109 109 109 109 109 939 108 108 108 108 108 108 108 108 940 121 121 121 121 121 121 121 121 941 111 111 111 111 111 111 111 111 942 111 111 111 111 111 111 111 111 943 118 118 118 118 118 118 118 118 944 128 128 128 128 128 128 128 128 945 111 111 111 111 111 111 111 111 946 107 107 107 107 107 107 107 107 947 107 107 107 107 107 107 107 107 948 112 112 112 112 112 112 112 112 949 109 109 109 109 109 109 109 109 950 129 129 129 129 129 129 129 129 951 118 118 118 118 118 118 118 118 952 109 109 109 109 109 109 109 109 953 111 111 111 111 111 111 111 111 954 112 112 112 112 112 112 112 112 955 111 111 111 111 111 111 111 111 956 107 107 107 107 107 107 107 107 957 109 109 109 109 109 109 109 109 958 113 113 113 113 113 113 113 113 959 119 119 119 119 119 119 119 119 960 109 109 109 109 109 109 109 109 961 114 114 114 114 114 114 114 114 970 114 114 114 114 114 114 114 114 971 118 118 118 118 118 118 118 118 973 119 119 119 119 119 119 119 119 974 109 109 109 109 109 109 109 109 975 109 109 109 109 109 109 109 109 976 111 111 111 111 111 111 111 111 977 122 122 122 122 122 122 122 122


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town978 110 110 110 110 110 110 110 110 979 110 110 110 110 110 110 110 110 980 111 111 111 111 111 111 111 111 981 108 108 108 108 108 108 108 108 991 127 127 127 127 127 127 127 127 992 127 127 127 127 127 127 127 127 993 127 127 127 127 127 127 127 127 994 127 127 127 127 127 127 127 127 995 127 127 127 127 127 127 127 127 996 127 127 127 127 127 127 127 127 999 127 127 127 127 127 127 127 127



MR-1 Copyright, The Commerce Insurance Company, 2016

Motorcycle Rating Rules and Territory Definitions

A. Premium Calculation Rule Premiums for Motorcycles shall be calculated using the following step procedures. Note that not all of these steps may be applicable for every coverage or policyholder.

1. Determine the manual base premium by territory and Group (A-F). 2. Apply adjustments for increased limits or deductible, if applicable; 3. Apply the inexperienced driver adjustment factor of 1.75, if applicable; 4. Add waiver of deductible charges, if applicable; 5. Apply extra risk rating factor, if applicable.

6. Apply discounts/factor in the following order: motorcycle training, anti-theft, senior citizen, household, loyalty plus, multi-car, account, group, marketing partner, clean in three;

7. Apply merit rating; 8. Apply Accident Forgiveness 9. Apply Paid in Full and Green (Pay Plan) Discounts. 10. Add Motorcycle Accessory Coverage premium.

The premium for each exposure shall be rounded to the nearest whole dollar at the end of each step. (Rounding should occur after the application of each discount.)

B. Original Cost New Determination Rule New Business: When an Original Cost New (OCN) can not be determined from the Registry or another viable third party valuation source (i.e. NADA books, internet etc.). We may determine original cost new based on an original new sales receipt. Renewal Business: When converting a renewal policy from the Actual Retail Value (ARV) rating methodology to the Original Cost New (OCN) rating methodology, if the OCN can not be determined, then the OCN should be calculated as follows: OCN = ARV x Age Appreciation Factor The applicable factors are as follows:

Age of Vehicle Appreciation Factor 1 1.000 2 1.100 3 1.200 4 1.300 5 1.450 6 1.650 7 1.900

8 + 2.250 *Note: Original Cost New is necessary only if Part 7 – Collision, Part 8 – Limited Collision and/or Part 9 –

Comprehensive coverage is purchased. C. Territory Definitions Except for East Boston and South Boston, sections of cities and towns designated “North,” “East,” “South,” and “West” or with a prefix or suffix merely supplemental to the principal name (such as West Newton or Arlington Heights) are not separately listed (see principal designation). In some instances (such as North Andover) there are two distinct townships, Andover and North Andover, in which case both are listed.

Counties are indicated by the Statistical Code Numbers as follows:

Left Hand Digit County Left Hand Digit County

Barnstable

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

Franklin

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



C. Base Rates MOTORCYCLE RATES

Part 1 - Bodily Injury Part 2 - PIP

Experienced Operators Experienced Operators

Territory Group A

Group B

Group C

Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $8 $14 $16 $11 $13 $14 1 $1 $1 $1 $1 $1 $1 2 $8 $13 $15 $11 $12 $12 2 $1 $1 $1 $1 $1 $1 3 $8 $14 $16 $11 $13 $14 3 $1 $1 $1 $1 $1 $1 4 $11 $18 $21 $15 $17 $18 4 $1 $1 $1 $1 $1 $1 5 $10 $17 $19 $13 $15 $16 5 $1 $1 $1 $1 $1 $1 6 $13 $20 $23 $15 $17 $18 6 $1 $1 $1 $1 $1 $1 7 $12 $19 $22 $15 $17 $18 7 $1 $1 $1 $1 $1 $1 8 $12 $18 $21 $15 $17 $18 8 $1 $1 $1 $1 $1 $1 9 $13 $20 $23 $16 $18 $19 9 $1 $1 $1 $1 $1 $1

10 $17 $29 $33 $21 $26 $24 10 $1 $2 $2 $2 $3 $3 11 $16 $28 $32 $21 $26 $24 11 $1 $2 $2 $1 $1 $1 12 $17 $30 $34 $22 $27 $25 12 $1 $2 $2 $2 $3 $3 13 $18 $33 $37 $26 $30 $28 13 $1 $2 $2 $2 $3 $3 14 $19 $34 $39 $26 $31 $29 14 $1 $2 $2 $2 $3 $3 15 $35 $55 $63 $44 $51 $50 15 $3 $5 $5 $4 $4 $4 16 $41 $63 $72 $50 $58 $57 16 $3 $5 $5 $5 $5 $6 17 $36 $57 $65 $46 $53 $52 17 $3 $5 $5 $4 $4 $4 18 $36 $57 $65 $46 $53 $52 18 $3 $5 $5 $4 $4 $4 19 $36 $57 $65 $46 $53 $52 19 $3 $5 $5 $4 $4 $4 20 $36 $57 $65 $46 $53 $52 20 $3 $5 $5 $4 $4 $4 21 $36 $57 $65 $46 $53 $52 21 $3 $5 $5 $4 $4 $4 22 $36 $57 $65 $46 $53 $52 22 $3 $5 $5 $4 $4 $4 23 $36 $57 $65 $46 $53 $52 23 $3 $5 $5 $4 $4 $4 24 $36 $57 $65 $46 $53 $52 24 $3 $5 $5 $4 $4 $4 25 $36 $57 $65 $46 $53 $52 25 $3 $5 $5 $4 $4 $4 26 $36 $57 $65 $46 $53 $52 26 $3 $5 $5 $4 $4 $4 27 $7 $11 $12 $9 $10 $10 27 $1 $1 $1 $1 $1 $1 40 $18 $31 $35 $24 $29 $27 40 $1 $2 $2 $2 $3 $3 41 $19 $34 $39 $26 $31 $29 41 $1 $2 $2 $2 $3 $3 42 $35 $55 $63 $44 $51 $50 42 $3 $5 $5 $4 $4 $4 43 $36 $56 $64 $45 $52 $51 43 $3 $5 $5 $4 $4 $4 44 $40 $63 $72 $49 $57 $56 44 $3 $5 $5 $45 $5 $6 45 $35 $55 $63 $44 $51 $50 45 $3 $5 $5 $4 $4 $4

Notes:

(1) See territory definitions within this section.

(2) Merit Rating Factors (Parts 1 &. 2) – See Rule 56.

(3) Rates for inexperienced operators are calculated by applying a factor of 1.75 to the experienced operator rates above.

(4) Group definitions are as follows:

Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.



MOTORCYCLE RATES

Part 5 – Optional BI

Rates at Basic limits


With Guest Without Guest

Territory Group A

Group B

Group C Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $10 $15 $17 $12 $14 $15 1 $2 $4 $4 $5 $5 $5 2 $9 $13 $15 $11 $13 $14 2 $2 $4 $4 $5 $5 $5 3 $10 $15 $17 $11 $13 $14 3 $2 $4 $4 $5 $5 $5 4 $13 $21 $24 $15 $17 $18 4 $3 $5 $5 $6 $6 $6 5 $12 $19 $22 $13 $15 $16 5 $3 $5 $5 $6 $6 $6 6 $13 $21 $24 $16 $18 $19 6 $3 $5 $5 $7 $7 $7 7 $13 $21 $24 $15 $17 $18 7 $3 $5 $5 $7 $7 $7 8 $13 $21 $24 $15 $17 $18 8 $3 $5 $5 $6 $6 $6 9 $13 $21 $24 $16 $18 $19 9 $3 $5 $5 $7 $7 $7

10 $17 $31 $35 $21 $26 $24 10 $4 $8 $8 $9 $9 $9 11 $16 $30 $34 $21 $26 $24 11 $4 $7 $7 $8 $8 $8 12 $18 $32 $36 $22 $27 $25 12 $5 $8 $8 $9 $9 $9 13 $19 $33 $38 $24 $29 $27 13 $5 $8 $8 $10 $10 $10 14 $21 $33 $38 $26 $31 $29 14 $5 $8 $8 $11 $11 $11 15 $27 $33 $38 $31 $36 $34 15 $8 $15 $15 $17 $17 $18 16 $27 $33 $38 $31 $36 $34 16 $8 $17 $17 $20 $20 $21 17 $27 $33 $38 $31 $36 $34 17 $8 $15 $15 $17 $17 $18 18 $27 $33 $38 $31 $36 $34 18 $8 $15 $15 $17 $17 $18 19 $27 $33 $38 $31 $36 $34 19 $8 $15 $15 $17 $17 $18 20 $27 $33 $38 $31 $36 $34 20 $8 $15 $15 $17 $17 $18 21 $27 $33 $38 $31 $36 $34 21 $8 $15 $15 $17 $17 $18 22 $27 $33 $38 $31 $36 $34 22 $8 $15 $15 $17 $17 $18 23 $27 $33 $38 $31 $36 $34 23 $8 $15 $15 $17 $17 $18 24 $27 $33 $38 $31 $36 $34 24 $8 $15 $15 $17 $17 $18 25 $27 $33 $38 $31 $36 $34 25 $8 $15 $15 $17 $17 $18 26 $27 $33 $38 $31 $36 $34 26 $8 $15 $15 $17 $17 $18 27 $8 $12 $14 $10 $11 $11 27 $2 $3 $3 $4 $4 $4 40 $19 $33 $37 $23 $28 $26 40 $5 $8 $8 $10 $10 $10 41 $21 $33 $38 $26 $31 $29 41 $5 $8 $8 $11 $11 $11 42 $27 $33 $38 $31 $36 $34 42 $8 $15 $15 $17 $17 $18 43 $27 $33 $38 $31 $36 $34 43 $8 $15 $15 $17 $17 $18 44 $27 $33 $38 $31 $36 $34 44 $8 $17 $17 $19 $19 $20 45 $27 $33 $38 $31 $36 $34 45 $8 $15 $15 $16 $16 $17

Notes:

(1) See territory definitions within this section. (2) Merit Rating Factors (Part 5) – See Rule 56. (3) Rates for inexperienced operators are calculated by applying a factor of 1.75 to the experienced operator rates above.


Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c to 1250 c.c

F Over 1250 c.c.



MOTORCYCLE RATES

Part 4 - Property Damage


Experienced Operators

Territory Group A

Group B Group C Group D Group E Group F

1 $8 $12 $15 $11 $12 $11

2

$8 $12 $15 $11 $12 $11

3 $10 $14 $17 $12 $15 $12

4

$10 $15 $18 $12 $15 $12

5 $10 $15 $18 $12 $15 $12

6

$11 $17 $20 $13 $16 $13

7 $11 $17 $20 $13 $16 $13

8

$11 $17 $20 $13 $16 $13

9 $14 $20 $24 $16 $19 $16

10

$13 $20 $23 $15 $18 $15

11 $14 $20 $24 $16 $19 $16

12 $17 $29 $33 $22 $26 $22

13 $16 $25 $29 $19 $22 $19

14 $17 $28 $32 $21 $25 $21

15 $19 $30 $35 $23 $27 $23

16 $20 $31 $36 $24 $28 $24

17 $26 $40 $47 $32 $37 $32

18

$26 $40 $47 $32 $37 $32

19 $26 $40 $47 $32 $37 $32

20

$26 $40 $47 $32 $37 $32

21 $26 $40 $47 $32 $37 $32

22

$26 $40 $47 $32 $37 $32

23 $26 $40 $47 $32 $37 $32

24

$26 $40 $47 $32 $37 $32

25 $26 $40 $47 $32 $37 $32

26 $26 $40 $47 $32 $37 $32

27 $8 $12 $15 $11 $12 $11

40 $14 $20 $24 $16 $19 $16

41 $20 $31 $36 $24 $28 $24

42 $20 $31 $36 $24 $28 $24

43 $21 $32 $37 $25 $29 $25

44 $20 $31 $36 $24 $28 $24

45 $20 $32 $37 $24 $28 $24

Notes:


(2) Merit Rating Factors (Part 4) – See Rule 56.



Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.



Part 6 – Medical Payments

Rates by limit

All Territories

Limit Per Person Group A Group B Group C Group D Group E Group F

500 $87 $88 $105 $93 $95 $87 750 $100 $101 $119 $105 $108 $100

1000 $109 $110 $129 $114 $118 $109 2000 $149 $150 $177 $156 $161 $149 5000 $239 $242 $286 $252 $259 $239

10000 $387 $391 $460 $407 $418 $387 15000 $476 $481 $568 $501 $516 $476 20000 $547 $552 $652 $575 $592 $547 25000 $581 $587 $692 $612 $629 $581 50000 $607 $613 $723 $639 $657 $607

Part 3 – Unisured Motorists Coverage

Rates by limit

All Territories

Limit Group A Group B Group C Group D Group E Group F

None $0 $0 $0 $0 $0 $0 20/40 $21 $21 $21 $21 $21 $21 20/50 $21 $21 $21 $21 $21 $21 25/50 $21 $21 $21 $21 $21 $21 25/60 $22 $22 $22 $22 $22 $22 35/80 $24 $24 $24 $24 $24 $24

50/100 $26 $26 $26 $26 $26 $26 100/300 $31 $31 $31 $31 $31 $31 250/500 $37 $37 $37 $37 $37 $37 500/500 $48 $48 $48 $48 $48 $48

500/1000 $57 $57 $57 $57 $57 $57

Part 12 – Underinsured Motorists Coverage

Rates by limit

All Territories


None $0 $0 $0 $0 $0 $0 20/40 $0 $0 $0 $0 $0 $0 20/50 $1 $1 $1 $1 $1 $1 25/50 $7 $7 $7 $7 $7 $7 25/60 $7 $7 $7 $7 $7 $7 35/80 $21 $21 $21 $21 $21 $21

50/100 $39 $39 $39 $39 $39 $39 100/300 $89 $89 $89 $89 $89 $89 250/500 $244 $244 $244 $244 $244 $244 500/500 $446 $446 $446 $446 $446 $446

500/1000 $648 $648 $648 $648 $648 $648

Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.

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



MOTORCYCLE RATES

Part 7 - Collision Part 7 - Collision

Rates at $500 deductible Other deductibles

Rate per $100 of value* All Territories


Deductible All Groups

$300 $500 deductible premium + $52 Territory Group

A Goup

B Group C Group

D Goup

E Group F $1,000 66.9% of $500 deductible premium

1 $1.48 $1.26 $1.63 $1.47 $1.56 $1.32 $2,000 53.2% of $500 deductible premium

2 $1.42 $1.20 $1.56 $1.40 $1.48 $1.26 3 $1.60 $1.36 $1.76 $1.59 $1.69 $1.42 4 $1.75 $1.48 $1.92 $1.73 $1.83 $1.54 Part 7 - Collision

5 $2.02 $1.72 $2.23 $2.01 $2.13 $1.80 Waiver of Deductible Charges

6 $1.84 $1.56 $2.02 $1.83 $1.94 $1.63 7 $1.95 $1.66 $2.14 $1.93 $2.05 $1.73 All Territories 8 $2.25 $1.91 $2.48 $2.23 $2.36 $2.00 Deductible All Groups 9 $2.33 $1.98 $2.57 $2.31 $2.45 $2.07 $300 $8 10 $2.53 $2.15 $2.79 $2.51 $2.66 $2.25 $500 $12 11 $2.23 $1.89 $2.44 $2.20 $2.33 $1.97 $1,000 $16 12 $2.93 $2.49 $3.22 $2.90 $3.07 $2.60 $2,000 $24 13 $3.02 $2.56 $3.32 $2.99 $3.17 $2.67 14 $5.45 $4.63 $6.00 $5.40 $5.72 $4.84 15 $5.48 $4.65 $6.03 $5.43 $5.76 $4.86 16 $5.51 $4.68 $6.06 $5.46 $5.79 $4.89

17 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 Part 8 - Limited Collision 18 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 19 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 $500 deductible base premium (Part 8) =

20 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 (8.0%) x [$500 deductible Collision base premium (Part 7)]

21 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 Deductible All Groups

22 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 $0 $500 deductible premium (Part 8) + $8

23 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 $300 $500 deductible premium (Part 8) + $5

24 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 $1,000 58.6% of $500 deductible premium (Part 8)

25 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32 $2,000 38.9% of $500 deductible premium (Part 8)

26 $4.87 $4.13 $5.35 $4.82 $5.11 $4.32

27 $1.30 $1.10 $1.43 $1.29 $1.37 $1.15 Age

Group Motorcycle Age Based on Model

Year Age Rate

Factor

40 $3.45 $2.92 $3.78 $3.41 $3.61 $3.06 1 Current MY 1.00

41 $3.06 $2.60 $3.37 $3.04 $3.22 $2.72 2 1st preceding 0.93

42 $3.92 $3.33 $4.31 $3.88 $4.11 $3.47 3 2nd preceding 0.86

43 $5.64 $4.78 $6.20 $5.58 $5.91 $5.00 4 3rd preceding 0.79

44 $4.17 $3.54 $4.59 $4.13 $4.38 $3.70 5 4th preceding 0.72

45 $4.90 $4.16 $5.38 $4.85 $5.14 $4.35 6 5th preceding 0.65

7 6th preceding 0.58 8 All Other 0.51

Determine Motorcycle Collision Rates as follows: The current model year changes October 1, regardless of the actual date the models are introduced.

(a) Determine the rate per $100 above for the applicable territory.

(b) Multiply the rate per $100 determined in (a) by the applicable Age Rate Factor above.

(c) Multiply the value determined in (b) by the motorcycle’s Original Cost New in hundreds of dollars. (Refer to Motorcycle Territory and Rating Rules section when the Original Cost New cannot be determined from the Registry or another viable source (i.e. NADA books, internet etc.)

Notes: (1) Merit Rating Factors (Part 7) – See Rule 56. (2) Rates for inexperienced operators are calculated by applying a factor of 1.75 to the experienced operator rates above.

(3) A minimum value of $1,800 applies to vehicle sizes 651 c.c. and over.



MOTORCYCLE RATES

Part 9 - Comprehensive Part 9 - Comprehensive



Territory Group A

Group B

Group C

Group D

Group E

Group F


1 $0.94 $0.73 $1.03 $0.90 $0.94 $0.71 $300 $500 deductible premium + $4



4 $1.05 $0.82 $1.14 $1.00 $1.05 $0.79

5 $1.08 $0.84 $1.18 $1.03 $1.08 $0.82

6 $1.28 $1.00 $1.40 $1.22 $1.28 $0.97

7 $1.53 $1.19 $1.66 $1.45 $1.53 $1.15

8 $1.95 $1.52 $2.13 $1.86 $1.95 $1.47

9 $1.71 $1.33 $1.86 $1.62 $1.71 $1.29

10 $2.15 $1.68 $2.35 $2.05 $2.15 $1.63 Fire Charge 5% of the motorcycle Comprehensive premium

11 $2.08 $1.62 $2.27 $1.98 $2.08 $1.57 Theft Charge 90% of the motorcycle Comprehensive premium

12 $2.64 $2.06 $2.88 $2.51 $2.64 $1.99

13 $2.44 $1.90 $2.66 $2.32 $2.44 $1.84 TOWING AND LABOR (RULE 33)

14 $3.33 $2.59 $3.63 $3.17 $3.33 $2.52 $50 per Disablement $100 per

Disablement

15 $3.96 $3.09 $4.32 $3.77 $3.96 $3.00 $8 $16

16 $5.98 $4.66 $6.52 $5.69 $5.98 $4.52

17 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65

18 $6.16 $4.80 $5.72 $5.86 $6.16 $4.65 SUBSTITUTE TRANSPORTATION (RULE 17)

19 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 $15/Day, $450 Maximum $30/Day, $900 Maximum

20 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 $47 $95

21 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65

22 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 $45/Day, $1,350

Maximum $100/Day, $3,000

Maximum

23 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 $175 $363

24 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65

25 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 Age Group Motorcycle Age Based on

Model Year Age Rate

Factor

26 $6.16 $4.80 $6.72 $5.86 $6.16 $4.65 1 Current MY 1.00

27 $0.86 $0.67 $0.94 $0.82 $0.86 $0.65 2 1st preceding 0.91

40 $2.46 $1.92 $2.68 $2.34 $2.46 $1.86 3 2nd preceding 0.81

41 $2.63 $2.05 $2.87 $2.50 $2.63 $1.99 4 3rd preceding 0.72

42 $3.66 $2.85 $3.99 $3.48 $3.66 $2.76 5 4th preceding 0.62

43 $3.76 $2.93 $4.10 $3.58 $3.76 $2.84 6 5th preceding 0.53

44 $5.96 $4.64 $6.50 $5.67 $5.96 $4.50 7 6th preceding 0.44

45 $3.80 $2.96 $4.15 $3.62 $3.80 $2.88 8 All Other 0.34

The current model year changes October 1, regardless of the actual date

the models are introduced. Determine motorcycle Comprehensive rates by the following procedure:



(c) Multiply the value determined in (b) by the motorcycle’s Original Cost New in hundreds of dollars. . (Refer to Motorcycle Territory and Rating Rules section when the Original Cost New cannot be determined from the Registry or another viable source (i.e. NADA books, internet etc.) Notes:

(1) Rates for Part 9 are the same for experienced and inexperienced operators.




Approved Motorcycle Training Sites

Rider Education Recognition Program (RERP) Number

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

INCREASED LIMITS TABLES (Motorcycles)

Damage to Someone Else’s Property Limit: $5,000 $10,000 $15,000 $25,000 $35,000 $50,000 $100,000 Factor: 1.000 1.204 1.220 1.242 1.254 1.265 1.280

Bodily Injury to Others Limits: 20/40 20/50 25/50 25/60 35/80 50/100 100/100 Factor: 1.00 1.01 1.06 1.07 1.18 1.29 1.55 Limits: 100/200 100/300 200/400 250/500 250/1000 300/500 500/500 Factor: 1.56 1.57 2.01 2.16 2.21 2.43 3.19 Limits: 500/1000 Factor: 3.24


RS-1 Copyright, The Commerce Insurance Company, 2016

Miscellaneous Rating Factors DEDUCTIBLES (RULE 16) $100** Deductibles: $1,000* $2,000* Glass

Collision: .63 .48 Not Applicable Limited Collision: .54 .32 Not Applicable Comprehensive: .75 .67 .75

Including Fire, Theft and Combined Additional Coverages *Charges based on $500 Deductible Premium **Applies to otherwise determined premium Collision Waiver of Deductible Charges: $300 Deductible - $10 $500 Deductible - $13 $1,000 Deductible - $16 $2,000 Deductible - $25 SUBSTITUTE TRANSPORTATION (RULE 17) $15/Day, $450 Maximum $30/Day, $900 Maximum

$45/Day, $1,350

Maximum $100/Day, $3,000 Maximum

Private Passenger: $26 $66 $148 $318 Motorcycle: $47 $95 $175 $363



Miscellaneous Rating Factors Continued DISCOUNTS and Credits (RULE 19) Part

1 Part

2 Part

3 Part

4 Part

5 Part

6 Part

7 Part

8 Part

9 Part 10

Part 11

Part 12

Multi-Car: 8% 8% 8% 8% 8% 8% 8% Account Discount (Refer to Rule 19, Discounts and Credits)

Shop Smart Credit (New Business prior to 5/1/15)

0 yr with CIC 1 yr with CIC

2 yrs with CIC Greater than 2 yrs with CIC

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

Shop Smart Credit (New Business 5/1/15 & Subsequent) *The policyholder has been at the same residence for at least 7 years; or the policy is submitted at least 7 days prior to the policy effective date


2 yrs with CIC 3 yrs with CIC 4 yrs with CIC

Greater than 4 yrs with CIC

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

*Policy is submitted at least 3 days, but less than 7 days prior to the policy effective date. 0 yr with CIC 1 yr with CIC


5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

Paid In Full Discount 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% Good Student Discount 10% 10% 10% 10% 10% 10% 10% Student Away from Home Discount

Class: 17, 18 Class: 20, 21, 25, 26

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%

Smart Driver Discount ADT-Driven

ADT-In Control ADT-Stevens

ADT-Central MA DSDP Other company approved

Advanced Driver Training Program teenSMART

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

Green (Pay Plan) Discount EFT/EBill only

Paperless EFT/EBill and Paperless

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

Clean in Three Discount 5% 5% 5% 5% Welcome Back Credit (New Business prior to 5/1/15)

0 Years Back 1 Year Back

2 Years Back Greater than 2 Years Back

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

Welcome Back Credit (New Business 5/1/15 and Subsequent)


2 Years Back 3 Years Back 4 Years Back

Greater than 4 Years Back

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

Marketing Partner Discount 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% DriveAdisor Program 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5% 5%

CIC-2197 (05/1505/16) Copyright, The Commerce Insurance Company, 20152016. Page 1 of 1



Eligibility


Definitions



Credit Awards




Using Credits





Losing Credits


a. At any time you do not have Collision or Limited Collision coverage on at least one Auto covered by the policy;

b. You or any operator listed on your policy is surcharged for an at-fault accident when there is no Collision or Limited Collision claim made;

c. Your deductible is waived in whole or part by coverage in the Elite Package Endorsement; or

d. The policy cancels with a lapse in coverage.




We will not pay damages or benefits under any Coverage Part of your policy while your auto is: with the exception of Personal Injury Protection Coverage (Part 2), while your auto is being used in a vehicle sharing program. A vehicle sharing program includes: the arrangement of the lease, rental or sharing of your auto with persons other than you or a household member for any type of compensation.






INSURANCE MANUAL





Table A


Part 11

Part 12 Total



























27 Green Discount x x x x x x x x x x x x




31 Subtotal + + + + + + + + + + + +



34 MAIP Premium for selected Coverages in Coverage Package35 Capping Amount (Step 31)*min[(Step 34 divided by Step 33)-1,0]*(Step 32)

36 New Subtotal (Step 31+Step 35)


38 Paid In Full Discount x x x x x x x x x x x x




Coverage Premium



Table A


Part 11

Part 12 Total



























27 GreenDiscount x x x x x x x x x x x x

28 27 Clean in Three Discount x x x x

29 28 Senior Discount x x x x x x x x x x x x

30 29 Merit Rating Adjustment + + + + + +

31 30 Subtotal + + + + + + + + + + + +

32 31 Coverage Package Capping Factor

33 32 Sumproduct of Step 31 30 and Step 32 31

34 33 MAIP Premium for selected Coverages in Coverage Package

35 34

Capping Amount (Step 31 30)*min[(Step 34 33 divided by Step 33 32)-1,0]*(Step 32 31)

36 35 New Subtotal (Step 31 30+Step 35 34)

37 36 Auto Loan/Lease Coverage x x

38 PaidInFullDiscount x x x x x x x x x x x x

39 37 Accident Forgiveness x x x x x x x x x x x x


40 39 Commerce Elite Package Endorsement +

41 40 Commerce Enhancer Package Endorsement +

Coverage Premium



Explanation of Steps 3130-3635: MAIP Capping (compliance with DOI Bulletin 2009-13) In order to comply with the Massachusetts Division of Insurance Bulletin 2009-13, Rating Steps 3130-36 35 as found in Table A of Rule 11 ensure that for the “Coverage Package Premium not to Exceed MAIP Premium in Effect October 1, 2013” identified in Bulletin 2009-13, Exhibit 1, Commerce will charge no more than the MAIP premium for private passenger type vehicles as defined in Rule 27. The MAIP Capping calculation does not apply to miscellaneous type vehicles, including antique motor cars, antique motorcycles, motorcycles (incl. motor scooters, mopeds and similar motor vehicles), trailers and motor homes/camper bodies. This procedure will be calculated as follows: Step 3130: Derive the manually rated premium by applying Steps 1 through 30 29 in Table A as found in Rule 11. This will be referred to in future rating steps as “Uncapped Premium” Step 3231: Determine the Coverage Package Capping Factor from Tables B.1 –B.11, C, and D as found in Rule 11 applicable to each coverage based on the coverage limit selection for the rated vehicle. A factor equal to “1.000” will reflect that the Coverage Part falls within the definition of Bulletin 2009-13, Exhibit 1 and is subject to premium capping, a “0.000” (zero) will reflect that the Coverage Part is not included within the definition of Bulletin 2009-13, Exhibit 1 and is not subject to premium capping. Step 3332: Multiply each Coverage Part’s Uncapped Premium by the Coverage Package Capping Factor as determined in Step 3231. Add all Coverage Parts together. This total will be called “Applicable Capped Premium” for the Rated Vehicle. Step 3433: Determine the applicable MAIP Premium for all Coverage Parts where the Coverage Package Capping Factor, as determined in Step 3231, equals “1.000”. Sum all of the Coverage Part’s premium. This will be referred to in future rating steps as “Applicable MAIP Premium” Step 3534: Determine the necessary Premium reduction for each Coverage Part using the formula:

Step 31 30 * MINIMUM ( [ Step 34 33 ÷ Step 33 32 ] – 1.00 , 0.00 ) * Step 32 31

or in words:

Uncapped Premium x MINIMUM of [ (A) Applicable MAIP Premium ÷ Applicable Capped Premium minus 1.00 ; (B) 0.000 (zero) ] x Coverage Package Capping Factor Note: This value will always be either a Negative Amount or Zero for each Coverage Part. Step 3635: Step 31 30 + Step 3534




RULE 12. PREMIUM ROUNDING RULE The premium for each exposure will be rounded, separately for each coverage provided by the policy, as follows: 1. Steps 1 through 2827, as provided in Rule 11, will be rounded to the penny after each step. 2, Step 2928, 30 29 and 3736-41 40 will be rounded to the nearest whole dollar, For whole dollar rounding, a premium involving $0.50 or more will be rounded to the next whole dollar at the end of each step. This does not apply to Part 5, 20/40 limits and Part 6, $5,000 limit where rates may be used or rounded to the lower whole dollar. This procedure will apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by Commerce, the return premium will be carried to the next higher whole dollar.








































This program has no impact on the premium or coverage selections. The benefits that are offered under the retail benefit program are subject to change at any time in our sole discretion. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. RULE 38. Disappearing Deductible Credit The Disappearing Deductible Credit is available to all eligible policyholders as of May 1, 2013. Endorsement CIC 2197 will be attached to all eligible new and renewal policies. For renewal policies issued on and after May 1, 2013, prior year(s) of coverage with Commerce count for the purposes of determining deductible credit awards. Eligibility The coverage applies if a premium is shown for any auto in the Coverage Selections Page for Collision or Limited Collision. Credit Awards Credits will be awarded after one full clean year where no credits were used or lost. “Clean Year” means any twelve month policy period in which the insured has their auto insured by Commerce and: (1) no operator was surcharged for an at-fault accident, and (2) the policy was free of hit and run Collision or Comprehensive loss payments greater than $500 for losses prior to July 1, 2015; or $1,000, for losses on or after July 1, 2015.



























1. Determine the Actual Cash Value premium for model year 2013 2017 shown in the rate pages for the vehicle symbol developed from Rule 22 for the appropriate territory code, class and deductible. Divide the Actual Cash Value premium by the Stated Amount Divisor table. Round the result to the nearest cent. For Symbol 71 and above, use the Symbol 70 Actual Cash Value premium and divisor.



1. Determine the Private Passenger latest year Class 10 manual rates by territory code for comprehensive. 2. Determine the comprehensive model year symbol factor based on model year 2013 2017 for the symbol

developed from Rule 22. 3. Median Symbol value. Calculated as the lowest value for the price new range + (highest value for the price




1. Apply a factor of 13.15 to the Private Passenger comprehensive model year symbol factor based on model year 2013 2017 for the symbol developed from Rule 22.



















will begin as of the effective date of that policy until Commerce receives an authorized inquiry response from the Merit Rating Board indicating the operator’s merit rating code. If an operator’s Motor Vehicle Report (MVR) is electronically available, Commerce will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVRs obtained from more than one state or country will be combined by Commerce and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with the MRB manual and its Administrative Procedures. An operator’s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. If an operator’s MVR is not electronically available, the operator’s policy experience period will begin as of the effective date of the policy until Commerce receives an authorized inquiry response from the Merit Rating Board with the operator’s actual merit rating code. The operator may obtain an official driving record or a record from a previous insurer and submit it to Commerce. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Commerce. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator’s record, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator’s record with motor vehicle violations or at-fault accidents must be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that occurred during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An “at-fault” accident is one in which the company determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor or major only if it resulted in a claim payment for bodily injury liability, damage to someone else’s property, collision or limited collision based on the table below: of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. If the accident occurred prior to July 1, 2015









TITLE FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed. 11-13) Accident Forgiveness CIC-2209 (Ed. 05-14) Advisory Notice to Policyholder Vehicle Sharing and Public or Livery Conveyance PA800MA (Ed 05/16) Agreed Amount – Comprehensive MPY-0034-S Ed. 04-08) Antique Auto M-0047-S (Ed. 04-08 Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed. 11-13) Commerce Elite Package Endorsement CIC 2126 (Ed. 05-13) Coverage for Anyone Renting An Auto To You M-0070-S (Ed. 11-11) Coverage for Customized Vans and Pickups MPY-0037-S (Ed. 04-08) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/15)05/16) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/15) Retail Benefit Program Endorsement CIC-2238 (Ed. 5/14) Enhancer Package Endorsement CIC 2122 (Ed. 11-13) Excess Electronic Equipment Coverage MPY-0041-S (Ed. 04-08 Rev.) $100 Glass Deductible MPY-0039-S (Ed. 04-08) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed. 04-08) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed. 09-11) Mobile Home Endorsement MPY-0002-S (Ed. 01-77) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed. 04-08) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed. 01-02) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed. 04-08) Other Optional Insurance – Combined Additional Coverage MPY-0031-S (Ed. 04-08) Other Optional Insurance – Fire, Lightning and Transportation MPY-0028-S (Ed. 04-08) Other Optional Insurance – Theft MPY-0029-S (Ed. 04-08) Stated Amount Coverage MPY-0027-S (Ed. 04-08 Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed. 04-08) Transportation of Fellow Employees, Students or Others M-0004-S (Ed. 04-08) Trust Endorsement M-0107-S (Ed. 01-06) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed. 04-08) Vehicle Sharing and Public or Livery Conveyance Exclusion CIC-2212 (Ed. 11-1305/16) Waiver of Deductible MPY-0016-S (Ed. 04-08 Rev.)

Base Rate Pages

Rate ClassPremium

Town 10 17 18 20 21 25 26 30002 307 599 393 1,051 726 996 620 348 010 264 494 344 936 624 898 546 308 011 247 475 315 890 577 846 502 281 012 226 433 295 814 531 781 466 261 013 238 450 303 851 556 810 488 268 014 241 462 314 864 584 820 510 276 015 270 507 341 959 637 908 546 302 016 245 453 320 870 590 834 520 285 017 261 494 340 937 627 891 530 303 021 208 402 272 766 505 728 438 242 030 234 448 311 847 584 814 510 273 031 230 437 295 805 518 775 454 256 032 253 480 322 895 590 860 516 285 033 242 467 310 866 568 830 489 278 034 235 454 310 877 571 839 500 277 035 275 516 348 972 647 923 558 307 036 232 448 301 829 547 789 470 269 037 222 428 287 820 542 787 466 253 038 210 401 269 744 482 707 418 237 039 254 488 331 913 616 866 527 291 040 211 405 270 755 491 725 426 241 041 243 457 310 855 549 819 484 272 042 253 480 322 895 590 860 516 285 043 214 408 275 759 492 721 426 242 044 229 433 290 817 539 775 465 260 045 258 483 331 923 612 877 528 295 050 228 436 289 813 530 771 454 260 051 180 364 235 671 422 637 367 206 052 215 413 276 770 501 740 435 246 053 167 343 219 629 385 600 339 187 054 204 387 260 719 464 683 406 230 055 198 391 258 714 469 684 404 227 056 150 310 199 568 348 543 306 170 057 167 343 219 629 385 600 339 187 058 186 367 241 663 432 638 377 213 059 194 382 250 691 449 664 392 221 060 191 366 244 681 443 654 385 218 061 179 359 233 664 418 629 364 204 062 226 431 293 805 530 766 460 261 070 232 447 296 849 559 816 487 264 071 238 450 303 851 556 810 488 268 080 180 364 235 671 422 637 367 206 081 173 357 229 655 402 625 353 196 082 190 371 243 677 444 651 381 217 083 173 357 229 655 402 625 353 196 084 173 357 229 655 402 625 353 196 085 202 390 264 741 485 710 424 236 086 193 375 251 697 450 660 383 217 087 173 357 229 655 402 625 353 196 088 167 343 219 629 385 600 339 187 102 201 385 255 719 469 689 405 230




Base Rate Pages

Rate ClassPremium

Town 10 17 18 20 21 25 26 30



110 150 310 199 568 348 543 306 170 111 185 364 243 668 433 640 372 209 112 182 346 228 648 421 621 366 200 130 150 310 199 568 348 543 306 170 131 167 343 219 629 385 600 339 187 132 190 371 243 677 444 651 381 217 133 203 383 252 718 467 688 405 222 134 169 332 220 608 397 583 341 191 135 167 343 219 629 385 600 339 187 136 184 363 239 670 428 638 373 210 137 167 343 219 629 385 600 339 187 138 185 364 243 668 433 640 372 209 139 185 364 243 668 433 640 372 209 140 173 350 227 648 402 613 349 196 170 167 343 219 629 385 600 339 187 171 202 380 251 718 465 688 403 219 172 167 343 219 629 385 600 339 187 173 202 380 251 718 465 688 403 219 174 173 350 227 648 402 613 349 196 175 167 343 219 629 385 600 339 187 176 167 343 219 629 385 600 339 187 177 185 364 243 668 433 640 372 209 178 167 343 219 629 385 600 339 187 179 167 343 219 629 385 600 339 187 180 185 364 243 668 433 640 372 209 181 167 343 219 629 385 600 339 187 182 167 343 219 629 385 600 339 187 183 167 343 219 629 385 600 339 187 184 173 350 227 648 402 613 349 196 185 173 350 227 648 402 613 349 196 186 187 368 245 673 440 646 378 210 200 279 535 363 982 665 943 578 318 201 276 530 363 970 665 923 589 312 202 259 485 334 936 614 886 531 294 210 232 447 296 840 554 799 477 264 211 245 469 320 877 604 840 517 282 212 254 488 331 913 616 866 527 291 213 243 465 318 877 592 840 517 282 214 228 430 290 797 514 765 454 256 215 221 421 282 781 504 743 441 249 230 243 465 318 877 592 840 517 282 231 242 466 309 873 565 829 496 278 232 225 433 294 846 553 795 475 260 233 225 433 288 828 542 787 471 258 234 232 447 296 840 554 799 477 264 235 247 475 315 890 577 846 502 281 236 219 420 287 805 517 771 450 251 237 221 423 287 813 522 771 455 254 238 251 476 319 897 592 850 516 285 239 233 446 301 847 554 802 480 269 240 226 430 283 815 538 783 468 253


Base Rate Pages

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Town 10 17 18 20 21 25 26 30



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Rate ClassPremium

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Rate ClassPremium

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Collision (Part 7)


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Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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Premium Town

Collision (Part 7)

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Town 10 17 18 20 21 25 26 30002 56.880 125.040 78.240 202.320 132.120 173.520 113.640 56.400010 43.680 103.200 60.600 178.080 108.120 154.560 94.080 44.280011 39.840 95.040 54.240 169.080 99.840 142.440 86.640 40.920012 37.680 88.920 51.240 158.400 92.040 137.040 81.000 37.800013 39.840 95.040 54.240 169.080 99.840 142.440 86.640 40.920014 42.720 99.840 58.800 173.280 106.680 151.800 92.040 43.200015 44.040 102.960 59.760 177.480 109.320 154.920 95.040 44.640016 39.960 93.360 56.760 170.400 101.280 139.320 87.360 40.320017 42.720 101.520 58.560 175.800 106.920 152.760 92.280 44.040021 35.400 82.560 49.200 148.080 91.680 127.800 79.080 36.960030 40.440 95.880 55.200 168.120 103.080 144.120 87.600 40.920031 39.360 94.440 53.760 165.120 96.240 145.560 85.200 39.480032 40.560 96.960 55.320 172.440 101.760 146.760 88.320 41.760033 40.080 96.960 54.360 168.600 99.960 146.880 87.360 40.080034 39.720 93.600 55.200 166.200 101.640 143.640 88.560 41.160035 46.080 106.560 62.880 188.520 114.840 162.960 99.960 46.920036 39.720 96.000 53.760 167.040 99.360 145.560 86.520 40.080037 36.960 86.280 50.400 159.480 95.640 131.040 83.040 38.040038 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240039 43.080 102.000 59.880 177.480 107.760 154.560 93.600 44.160040 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240041 39.360 95.160 53.760 167.400 98.880 146.760 85.200 40.080042 41.640 99.120 56.640 172.440 103.680 149.880 90.600 42.000043 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480044 38.640 91.680 52.800 158.520 96.720 138.240 82.920 38.760045 42.000 98.160 58.440 173.880 105.480 148.560 91.080 42.240050 36.960 88.680 50.160 160.320 92.400 134.760 78.840 37.680051 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440052 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160053 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120054 33.600 79.320 46.200 141.960 82.200 122.160 72.360 33.720055 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400056 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920057 34.440 83.040 47.040 147.720 86.160 128.640 73.800 34.560058 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120059 35.760 86.640 48.240 154.080 88.320 133.320 77.280 35.640060 33.600 79.320 46.200 141.960 82.200 122.160 72.360 33.720061 35.400 86.640 47.760 154.080 88.320 133.320 77.280 35.400062 36.600 88.680 49.560 160.320 91.440 134.760 78.840 37.320070 37.440 87.240 51.360 162.840 97.560 133.680 84.720 38.760071 39.840 95.040 54.240 169.080 99.840 142.440 86.640 40.920080 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440081 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640082 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440083 35.400 87.480 47.760 155.160 88.320 135.960 77.280 35.400084 35.760 85.560 48.960 150.720 89.520 131.160 76.800 36.120085 35.040 82.560 48.720 148.080 89.760 126.720 78.840 36.360086 32.280 76.800 44.040 148.800 81.120 119.520 69.480 33.120087 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280088 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440




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102 33.720 81.360 45.480 147.120 84.120 123.720 72.360 34.200110 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920111 32.280 76.800 44.040 148.800 81.120 119.520 69.480 33.120112 30.120 71.400 40.080 141.600 71.880 114.840 63.840 30.000130 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920131 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440132 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280133 35.160 82.800 47.400 154.440 85.560 128.040 75.600 35.640134 31.080 75.000 42.480 136.800 77.520 112.800 67.560 31.440135 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280136 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280137 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280138 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080139 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400140 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440170 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120171 33.840 79.200 44.880 154.440 81.480 125.040 71.760 33.960172 33.720 81.000 45.720 144.600 82.320 125.520 72.360 33.960173 32.760 77.640 43.680 154.440 78.360 125.040 69.600 32.640174 33.720 81.000 45.720 144.600 82.320 125.520 72.360 33.720175 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280176 33.720 81.000 45.720 144.600 82.320 125.520 72.360 33.960177 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400178 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640179 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640180 32.280 76.800 44.040 148.800 81.120 119.520 69.480 33.120181 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440182 35.760 87.480 48.240 155.160 88.320 135.960 77.280 35.640183 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440184 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640185 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640186 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160200 47.400 113.040 68.040 187.200 121.680 162.600 104.040 49.920201 46.800 110.160 65.520 182.640 117.360 159.240 102.600 48.120202 43.080 101.040 58.920 174.000 105.840 151.920 93.240 44.040210 37.680 88.680 51.720 159.480 95.640 133.560 83.040 38.760211 41.520 97.800 57.120 169.800 104.640 147.240 90.360 42.480212 42.360 101.040 58.800 174.000 105.600 151.680 91.800 43.200213 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560214 38.040 89.040 51.720 157.800 93.240 137.040 82.080 38.160215 35.160 85.440 48.480 154.560 86.520 130.200 76.200 35.880230 41.040 97.800 57.120 169.800 103.560 147.240 90.360 42.000231 38.880 92.520 53.160 169.080 98.880 140.040 85.080 38.640232 36.720 85.080 50.520 162.840 97.560 131.640 84.720 38.400233 38.400 89.520 52.320 161.040 96.720 134.880 84.000 39.120234 37.680 88.680 51.720 159.480 95.640 133.560 83.040 38.760235 41.640 98.040 56.640 172.440 102.600 148.320 89.640 42.000236 35.520 86.400 48.480 160.320 90.960 134.160 77.760 35.880237 36.600 87.240 49.320 160.320 90.960 134.160 78.480 36.720238 39.960 96.120 54.480 169.080 99.720 143.880 87.000 40.320


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239 37.680 88.680 51.720 159.480 95.640 133.560 83.040 38.760240 38.520 90.840 52.920 161.280 97.680 138.000 86.040 40.080300 59.640 137.160 83.640 205.920 147.480 168.000 127.320 61.320302 42.240 101.160 59.400 174.360 105.960 151.440 92.280 42.840303 48.720 118.560 69.120 183.960 118.320 158.400 103.560 51.000304 44.040 103.800 60.120 169.800 108.480 145.080 94.560 44.760310 34.560 81.480 46.200 154.440 83.880 126.000 74.280 34.560311 40.320 94.920 54.720 164.040 98.640 144.000 86.160 40.320312 36.360 87.120 50.880 155.160 94.680 131.640 82.680 38.160313 36.360 87.120 50.880 155.160 94.680 131.640 82.680 38.160314 40.440 94.920 55.920 169.080 103.080 144.720 90.000 42.000315 37.680 89.400 50.400 158.040 91.800 137.520 80.160 37.560316 41.640 101.760 56.520 178.920 105.360 154.440 90.960 42.240317 42.000 100.320 57.240 172.320 107.280 148.920 91.920 42.720318 35.160 85.440 47.880 150.600 88.560 129.840 76.800 35.640319 41.400 97.680 57.000 172.440 105.240 147.840 91.800 42.720320 44.760 107.280 62.640 186.600 115.800 160.560 99.600 46.080321 52.440 123.240 71.160 205.800 130.800 176.280 111.720 53.760322 46.560 109.440 62.760 188.520 114.840 164.160 101.160 47.520330 36.600 85.320 49.440 156.000 89.160 130.800 77.880 36.960331 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160332 38.520 90.720 52.320 158.640 94.560 139.800 82.680 38.640333 35.160 85.440 47.880 150.600 88.560 129.840 76.800 35.640334 45.480 108.840 62.640 190.680 115.440 164.160 99.480 46.560335 31.560 75.840 42.720 135.360 77.160 117.480 67.800 31.560336 33.720 81.360 46.200 154.560 82.560 127.080 72.480 33.360337 42.600 100.440 57.840 175.200 107.400 153.840 92.040 42.600338 46.200 109.680 64.920 190.080 116.040 163.080 101.040 46.920339 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160340 39.120 93.120 53.040 162.000 95.520 141.960 83.400 39.360341 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240342 35.880 83.640 49.320 159.480 93.840 128.400 82.200 37.320343 38.400 91.200 51.480 160.560 91.800 139.200 81.840 38.160344 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120370 34.680 84.120 47.520 147.720 87.120 129.600 75.000 35.400371 36.840 87.120 50.280 155.160 90.360 134.280 79.560 36.960400 44.400 105.360 72.960 168.360 117.360 146.880 101.400 46.200402 36.960 87.840 51.120 154.440 94.080 131.880 81.120 38.040403 39.960 95.880 62.040 157.680 105.240 135.360 91.200 44.880410 30.960 74.760 42.480 141.960 75.840 116.760 66.600 30.360411 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920412 31.800 74.880 42.480 141.600 77.040 115.920 68.160 31.800420 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560421 40.440 94.920 54.720 168.120 101.880 144.120 86.760 40.560422 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480423 35.880 85.440 48.840 160.320 90.000 131.520 76.920 36.000424 34.680 83.160 47.400 155.280 88.920 126.000 76.560 35.040425 38.520 92.280 52.560 158.280 98.640 136.800 84.480 39.360430 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440431 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080


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432 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920433 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440434 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440435 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400436 33.720 81.360 46.200 154.560 82.560 127.080 72.480 33.120437 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280440 33.000 80.040 45.240 151.920 82.800 124.560 71.640 33.720441 36.600 88.320 50.040 155.280 91.440 132.120 79.920 36.960442 39.360 94.080 53.280 163.560 98.040 142.560 85.680 39.720443 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600444 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360445 39.360 91.680 54.720 162.840 100.920 142.200 87.120 41.040470 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280471 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440472 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440473 35.400 86.640 47.760 154.080 88.320 133.320 77.280 35.400474 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440475 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440476 35.880 85.080 48.600 154.440 87.000 130.920 77.520 36.240477 34.440 82.560 47.160 148.800 86.160 123.840 74.400 34.800478 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080479 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400480 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280481 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440482 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120483 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440484 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440490 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760491 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240492 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400493 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040494 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160495 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280496 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720497 34.560 81.480 46.200 154.440 83.880 126.000 74.280 34.560510 38.520 89.880 53.640 161.280 99.960 139.320 86.160 40.320511 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160512 35.160 85.440 48.480 154.560 86.520 130.200 76.200 35.880513 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360514 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760530 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480531 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280532 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640533 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960534 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280570 31.920 78.360 43.680 145.680 80.160 120.480 70.320 32.640571 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280573 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640574 36.480 86.640 49.200 160.320 90.600 131.520 78.360 36.720576 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880


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577 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320578 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120580 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720581 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680582 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720600 48.960 118.560 67.080 197.400 122.520 164.760 105.960 50.280601 44.400 108.480 69.480 181.680 119.400 154.800 103.920 47.520602 67.560 147.960 90.000 216.480 154.800 176.400 135.120 66.360603 65.160 144.960 86.520 216.480 153.360 176.400 132.360 64.560604 52.440 123.240 70.680 202.800 130.200 176.280 111.720 53.040605 46.200 109.680 62.640 192.120 117.480 166.200 100.920 46.440606 46.680 110.880 63.120 178.800 116.160 155.520 100.440 47.280607 44.640 105.720 60.720 183.000 112.080 159.360 96.720 45.720608 44.640 105.480 60.720 184.680 113.160 158.760 96.720 45.720610 41.640 101.760 56.520 178.920 105.360 154.440 90.960 42.240611 42.000 100.080 57.720 179.760 103.440 155.640 90.000 41.160612 36.240 86.040 49.080 154.440 88.800 130.920 78.240 36.960613 36.480 88.440 49.560 156.840 90.840 137.520 79.680 36.720614 39.960 96.120 54.480 169.080 99.720 143.880 87.000 40.320615 46.080 106.560 62.880 188.520 114.840 162.960 99.960 46.920616 34.680 83.160 47.520 145.680 85.080 128.520 75.000 34.800617 36.720 86.640 49.200 162.840 88.320 138.000 78.360 36.600618 36.240 86.400 49.920 152.880 94.080 129.120 81.000 37.680619 45.840 110.880 62.760 190.800 113.520 163.800 99.360 45.720620 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680621 41.400 97.320 56.400 170.880 101.640 148.560 88.560 41.160622 41.400 98.280 57.000 172.440 101.640 150.120 89.520 41.160623 46.800 109.680 65.400 192.120 117.000 163.080 101.040 46.920624 45.840 107.520 62.760 187.200 113.520 163.080 97.560 45.240625 37.800 91.800 51.840 160.920 93.120 141.600 81.960 36.960626 40.560 95.760 55.200 169.800 102.960 144.360 87.840 41.640630 36.840 91.080 49.560 159.840 91.680 140.160 80.520 36.720631 42.960 100.200 60.240 184.560 112.560 156.720 98.640 45.240632 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760633 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720634 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720635 42.360 102.600 57.600 178.800 107.520 156.120 92.760 43.080636 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320637 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720638 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720639 39.480 94.560 53.040 164.040 98.640 143.400 84.720 39.480640 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320641 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200642 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320643 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400644 35.760 86.520 48.960 152.280 89.520 133.800 76.800 36.120645 33.240 81.960 44.640 148.560 82.560 130.560 72.480 33.120646 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040647 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280648 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240


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649 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680650 35.040 84.240 47.400 149.040 85.680 129.360 75.360 35.160651 42.000 102.120 57.720 180.720 103.440 158.880 91.080 41.160652 41.760 97.680 57.000 172.440 102.240 150.720 90.000 42.000670 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240671 36.120 86.640 48.720 154.080 89.880 133.320 78.240 36.000672 36.480 88.440 49.560 158.640 90.840 139.320 79.680 36.720673 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080674 39.480 96.240 53.400 170.520 99.600 147.480 86.520 39.480702 50.280 117.240 69.000 203.640 123.600 174.480 106.560 50.280703 52.440 123.240 71.160 205.800 130.800 176.280 111.720 53.760710 45.240 107.400 63.000 184.320 113.760 159.840 99.000 46.080711 45.360 107.400 62.880 185.400 112.560 159.840 97.920 46.080712 46.200 109.680 64.920 190.080 116.040 163.080 101.040 46.920713 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240714 47.760 115.080 66.120 192.480 119.160 164.160 103.920 49.080715 40.080 94.080 54.240 168.720 97.200 144.600 85.320 40.320716 44.640 105.720 60.720 181.560 112.080 159.360 96.720 44.760717 55.920 124.920 74.520 202.080 132.120 176.400 115.200 54.720718 49.920 117.720 68.160 192.480 122.880 164.400 107.160 50.760719 41.040 97.680 55.680 172.080 102.240 149.280 88.440 42.000720 39.480 96.240 53.400 169.080 99.600 146.160 86.520 39.480721 46.080 106.560 63.000 186.960 114.840 162.960 98.880 46.920730 44.040 108.720 62.160 177.720 112.440 155.520 97.440 45.240731 35.880 85.440 49.320 154.560 88.320 130.200 76.920 36.600732 37.680 88.920 51.240 158.400 92.040 137.040 81.000 37.800733 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680734 38.040 89.880 52.320 159.360 93.240 137.040 82.080 38.160735 46.440 112.320 63.840 186.960 115.920 161.040 100.320 47.760736 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720737 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720738 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160739 36.000 86.520 48.600 154.920 89.760 130.560 78.000 36.600740 38.160 92.400 51.720 162.000 95.280 139.800 83.040 38.520741 45.840 108.600 62.760 188.880 113.520 162.480 98.280 45.720742 42.720 103.680 58.080 180.480 109.680 157.560 93.600 43.080743 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240802 68.280 144.960 88.560 204.000 137.160 163.200 118.320 67.200803 74.280 151.920 93.360 209.640 160.800 170.040 139.320 71.160810 53.880 127.200 77.640 211.320 141.960 177.840 123.240 57.360815 51.360 120.720 69.720 202.320 123.120 170.040 107.160 51.840816 59.160 137.400 80.880 207.120 141.360 166.200 122.760 61.320817 55.920 131.400 82.440 199.800 137.280 160.320 120.000 59.520818 65.040 146.040 87.840 205.080 152.400 163.800 132.240 66.120819 70.920 157.680 97.680 216.480 167.400 167.640 144.960 77.280820 69.960 147.960 99.720 202.920 161.760 160.800 138.960 92.880821 53.640 127.560 85.440 200.520 134.280 166.200 115.920 56.040822 53.160 122.760 75.720 197.400 127.920 163.080 111.720 54.600823 54.120 127.440 82.800 200.520 133.920 166.320 116.520 57.600824 73.320 156.480 98.640 204.360 164.640 163.200 142.920 74.640


Base Rate Pages

Rate ClassPremium

Town 10 17 18 20 21 25 26 30



900 49.440 117.720 70.080 194.880 125.520 169.200 108.360 51.840902 41.640 99.000 57.600 172.320 103.560 148.560 90.000 42.360910 32.280 78.480 44.400 141.960 79.560 119.520 69.960 33.000911 37.800 90.720 51.600 169.080 96.840 137.160 83.280 38.040912 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600913 39.360 93.360 53.280 164.040 97.800 144.000 84.360 40.080914 38.880 90.840 53.640 161.280 99.960 139.320 86.160 40.320915 41.040 94.920 55.440 167.160 103.080 144.720 89.160 41.880916 41.040 98.760 55.680 173.880 102.240 150.720 88.440 42.000917 38.520 90.720 52.320 158.640 94.560 139.800 82.680 38.640918 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200919 41.400 98.880 56.400 171.000 103.200 147.720 88.560 41.400920 41.640 98.040 56.640 172.440 102.600 148.320 89.640 42.000921 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680922 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560923 35.280 83.880 47.760 147.240 86.040 127.800 75.120 35.400924 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240930 35.160 84.120 48.120 151.920 87.840 127.680 76.560 35.640931 42.600 100.200 57.840 175.200 106.320 152.160 92.040 42.600932 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960933 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320934 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400935 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440936 38.160 91.320 51.600 163.560 95.160 138.720 82.080 38.760937 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240938 37.320 88.200 51.240 156.360 92.280 134.280 80.400 37.800939 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640940 38.880 93.360 52.800 162.480 96.840 142.440 83.400 39.720941 39.120 92.280 52.440 161.280 95.520 140.280 83.280 39.000942 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080943 35.400 83.160 47.760 154.440 86.520 127.320 75.720 35.760944 42.720 99.840 58.800 173.280 106.680 151.800 92.040 43.200945 34.800 83.040 47.040 148.800 87.240 125.520 75.720 35.880946 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160947 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720948 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440949 36.840 90.000 49.560 158.640 91.680 137.400 80.520 36.720950 38.160 89.880 52.920 161.280 97.680 138.000 86.040 39.720951 39.360 94.440 53.760 165.120 96.240 145.560 85.200 39.480952 36.840 90.000 49.560 160.200 91.680 138.600 80.520 36.720953 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320954 34.800 83.280 47.760 148.800 87.000 125.280 75.000 35.640955 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720956 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440957 34.440 83.160 46.440 148.080 84.720 127.800 74.400 34.320958 34.680 83.040 47.760 154.560 86.040 128.400 74.760 34.320959 39.120 93.120 53.040 162.000 95.520 141.960 83.400 39.360960 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640961 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160970 38.400 90.360 52.200 158.280 95.280 137.160 82.080 39.000


Base Rate Pages

Rate ClassPremium

Town 10 17 18 20 21 25 26 30



971 36.960 86.880 50.160 156.000 90.480 133.560 78.960 37.440973 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120974 35.760 85.560 48.960 150.720 89.520 131.160 76.800 36.120975 35.520 84.000 48.120 147.720 87.840 129.840 75.360 35.760976 35.160 84.960 48.120 154.920 87.840 127.680 76.560 35.640977 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720978 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440979 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160980 34.680 82.560 47.040 146.040 85.680 126.720 74.520 35.160981 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880991 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640992 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640993 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640994 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640995 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640996 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640999 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640


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10 17 18 20 21 25 26 30002 207 207 207 207 207 207 207 207 010 133 133 133 133 133 133 133 133 011 132 132 132 132 132 132 132 132 012 119 119 119 119 119 119 119 119 013 132 132 132 132 132 132 132 132 014 141 141 141 141 141 141 141 141 015 141 141 141 141 141 141 141 141 016 148 148 148 148 148 148 148 148 017 135 135 135 135 135 135 135 135 021 124 124 124 124 124 124 124 124 030 139 139 139 139 139 139 139 139 031 123 123 123 123 123 123 123 123 032 123 123 123 123 123 123 123 123 033 107 107 107 107 107 107 107 107 034 129 129 129 129 129 129 129 129 035 131 131 131 131 131 131 131 131 036 119 119 119 119 119 119 119 119 037 132 132 132 132 132 132 132 132 038 123 123 123 123 123 123 123 123 039 125 125 125 125 125 125 125 125 040 123 123 123 123 123 123 123 123 041 123 123 123 123 123 123 123 123 042 132 132 132 132 132 132 132 132 043 123 123 123 123 123 123 123 123 044 132 132 132 132 132 132 132 132 045 139 139 139 139 139 139 139 139 050 119 119 119 119 119 119 119 119 051 111 111 111 111 111 111 111 111 052 114 114 114 114 114 114 114 114 053 111 111 111 111 111 111 111 111 054 122 122 122 122 122 122 122 122 055 112 112 112 112 112 112 112 112 056 108 108 108 108 108 108 108 108 057 109 109 109 109 109 109 109 109 058 99 99 99 99 99 99 99 99 059 111 111 111 111 111 111 111 111 060 122 122 122 122 122 122 122 122 061 109 109 109 109 109 109 109 109 062 115 115 115 115 115 115 115 115 070 129 129 129 129 129 129 129 129 071 120 120 120 120 120 120 120 120 080 109 109 109 109 109 109 109 109 081 98 98 98 98 98 98 98 98 082 111 111 111 111 111 111 111 111 083 111 111 111 111 111 111 111 111 084 111 111 111 111 111 111 111 111 085 118 118 118 118 118 118 118 118 086 114 114 114 114 114 114 114 114 087 111 111 111 111 111 111 111 111 088 109 109 109 109 109 109 109 109



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Premium Town102 109 109 109 109 109 109 109 109 110 107 107 107 107 107 107 107 107 111 111 111 111 111 111 111 111 111 112 108 108 108 108 108 108 108 108 130 107 107 107 107 107 107 107 107 131 106 106 106 106 106 106 106 106 132 96 96 96 96 96 96 96 96 133 112 112 112 112 112 112 112 112 134 112 112 112 112 112 112 112 112 135 108 108 108 108 108 108 108 108 136 98 98 98 98 98 98 98 98 137 99 99 99 99 99 99 99 99 138 111 111 111 111 111 111 111 111 139 100 100 100 100 100 100 100 100 140 96 96 96 96 96 96 96 96 170 110 110 110 110 110 110 110 110 171 112 112 112 112 112 112 112 112 172 110 110 110 110 110 110 110 110 173 100 100 100 100 100 100 100 100 174 110 110 110 110 110 110 110 110 175 108 108 108 108 108 108 108 108 176 110 110 110 110 110 110 110 110 177 110 110 110 110 110 110 110 110 178 109 109 109 109 109 109 109 109 179 108 108 108 108 108 108 108 108 180 111 111 111 111 111 111 111 111 181 108 108 108 108 108 108 108 108 182 108 108 108 108 108 108 108 108 183 107 107 107 107 107 107 107 107 184 108 108 108 108 108 108 108 108 185 108 108 108 108 108 108 108 108 186 108 108 108 108 108 108 108 108 200 164 164 164 164 164 164 164 164 201 158 158 158 158 158 158 158 158 202 137 137 137 137 137 137 137 137 210 122 122 122 122 122 122 122 122 211 128 128 128 128 128 128 128 128 212 139 139 139 139 139 139 139 139 213 135 135 135 135 135 135 135 135 214 123 123 123 123 123 123 123 123 215 118 118 118 118 118 118 118 118 230 139 139 139 139 139 139 139 139 231 132 132 132 132 132 132 132 132 232 121 121 121 121 121 121 121 121 233 132 132 132 132 132 132 132 132 234 132 132 132 132 132 132 132 132 235 132 132 132 132 132 132 132 132 236 113 113 113 113 113 113 113 113 237 111 111 111 111 111 111 111 111 238 118 118 118 118 118 118 118 118 239 116 116 116 116 116 116 116 116


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Premium Town240 125 125 125 125 125 125 125 125 300 187 187 187 187 187 187 187 187 302 139 139 139 139 139 139 139 139 303 226 226 226 226 226 226 226 226 304 149 149 149 149 149 149 149 149 310 120 120 120 120 120 120 120 120 311 123 123 123 123 123 123 123 123 312 129 129 129 129 129 129 129 129 313 129 129 129 129 129 129 129 129 314 129 129 129 129 129 129 129 129 315 121 121 121 121 121 121 121 121 316 111 111 111 111 111 111 111 111 317 135 135 135 135 135 135 135 135 318 114 114 114 114 114 114 114 114 319 115 115 115 115 115 115 115 115 320 139 139 139 139 139 139 139 139 321 156 156 156 156 156 156 156 156 322 114 114 114 114 114 114 114 114 330 109 109 109 109 109 109 109 109 331 123 123 123 123 123 123 123 123 332 122 122 122 122 122 122 122 122 333 114 114 114 114 114 114 114 114 334 139 139 139 139 139 139 139 139 335 111 111 111 111 111 111 111 111 336 122 122 122 122 122 122 122 122 337 132 132 132 132 132 132 132 132 338 137 137 137 137 137 137 137 137 339 114 114 114 114 114 114 114 114 340 121 121 121 121 121 121 121 121 341 122 122 122 122 122 122 122 122 342 129 129 129 129 129 129 129 129 343 121 121 121 121 121 121 121 121 344 111 111 111 111 111 111 111 111 370 110 110 110 110 110 110 110 110 371 119 119 119 119 119 119 119 119 400 177 177 177 177 177 177 177 177 402 127 127 127 127 127 127 127 127 403 149 149 149 149 149 149 149 149 410 112 112 112 112 112 112 112 112 411 110 110 110 110 110 110 110 110 412 108 108 108 108 108 108 108 108 420 121 121 121 121 121 121 121 121 421 125 125 125 125 125 125 125 125 422 102 102 102 102 102 102 102 102 423 102 102 102 102 102 102 102 102 424 106 106 106 106 106 106 106 106 425 118 118 118 118 118 118 118 118 430 99 99 99 99 99 99 99 99 431 101 101 101 101 101 101 101 101 432 100 100 100 100 100 100 100 100 433 99 99 99 99 99 99 99 99


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Premium Town434 111 111 111 111 111 111 111 111 435 114 114 114 114 114 114 114 114 436 113 113 113 113 113 113 113 113 437 110 110 110 110 110 110 110 110 440 99 99 99 99 99 99 99 99 441 108 108 108 108 108 108 108 108 442 113 113 113 113 113 113 113 113 443 110 110 110 110 110 110 110 110 444 101 101 101 101 101 101 101 101 445 120 120 120 120 120 120 120 120 470 109 109 109 109 109 109 109 109 471 109 109 109 109 109 109 109 109 472 109 109 109 109 109 109 109 109 473 110 110 110 110 110 110 110 110 474 111 111 111 111 111 111 111 111 475 99 99 99 99 99 99 99 99 476 120 120 120 120 120 120 120 120 477 108 108 108 108 108 108 108 108 478 111 111 111 111 111 111 111 111 479 108 108 108 108 108 108 108 108 480 111 111 111 111 111 111 111 111 481 108 108 108 108 108 108 108 108 482 112 112 112 112 112 112 112 112 483 107 107 107 107 107 107 107 107 484 108 108 108 108 108 108 108 108 490 109 109 109 109 109 109 109 109 491 114 114 114 114 114 114 114 114 492 109 109 109 109 109 109 109 109 493 120 120 120 120 120 120 120 120 494 113 113 113 113 113 113 113 113 495 108 108 108 108 108 108 108 108 496 111 111 111 111 111 111 111 111 497 113 113 113 113 113 113 113 113 510 119 119 119 119 119 119 119 119 511 112 112 112 112 112 112 112 112 512 110 110 110 110 110 110 110 110 513 113 113 113 113 113 113 113 113 514 113 113 113 113 113 113 113 113 530 113 113 113 113 113 113 113 113 531 107 107 107 107 107 107 107 107 532 110 110 110 110 110 110 110 110 533 109 109 109 109 109 109 109 109 534 108 108 108 108 108 108 108 108 570 107 107 107 107 107 107 107 107 571 108 108 108 108 108 108 108 108 573 110 110 110 110 110 110 110 110 574 112 112 112 112 112 112 112 112 576 111 111 111 111 111 111 111 111 577 108 108 108 108 108 108 108 108 578 111 111 111 111 111 111 111 111 580 107 107 107 107 107 107 107 107


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Premium Town581 107 107 107 107 107 107 107 107 582 111 111 111 111 111 111 111 111 600 137 137 137 137 137 137 137 137 601 146 146 146 146 146 146 146 146 602 177 177 177 177 177 177 177 177 603 177 177 177 177 177 177 177 177 604 155 155 155 155 155 155 155 155 605 118 118 118 118 118 118 118 118 606 149 149 149 149 149 149 149 149 607 125 125 125 125 125 125 125 125 608 120 120 120 120 120 120 120 120 610 113 113 113 113 113 113 113 113 611 116 116 116 116 116 116 116 116 612 109 109 109 109 109 109 109 109 613 111 111 111 111 111 111 111 111 614 118 118 118 118 118 118 118 118 615 124 124 124 124 124 124 124 124 616 109 109 109 109 109 109 109 109 617 105 105 105 105 105 105 105 105 618 116 116 116 116 116 116 116 116 619 132 132 132 132 132 132 132 132 620 109 109 109 109 109 109 109 109 621 110 110 110 110 110 110 110 110 622 123 123 123 123 123 123 123 123 623 139 139 139 139 139 139 139 139 624 132 132 132 132 132 132 132 132 625 121 121 121 121 121 121 121 121 626 125 125 125 125 125 125 125 125 630 98 98 98 98 98 98 98 98 631 108 108 108 108 108 108 108 108 632 112 112 112 112 112 112 112 112 633 112 112 112 112 112 112 112 112 634 125 125 125 125 125 125 125 125 635 119 119 119 119 119 119 119 119 636 108 108 108 108 108 108 108 108 637 115 115 115 115 115 115 115 115 638 100 100 100 100 100 100 100 100 639 99 99 99 99 99 99 99 99 640 108 108 108 108 108 108 108 108 641 132 132 132 132 132 132 132 132 642 110 110 110 110 110 110 110 110 643 111 111 111 111 111 111 111 111 644 109 109 109 109 109 109 109 109 645 105 105 105 105 105 105 105 105 646 129 129 129 129 129 129 129 129 647 108 108 108 108 108 108 108 108 648 110 110 110 110 110 110 110 110 649 119 119 119 119 119 119 119 119 650 108 108 108 108 108 108 108 108 651 118 118 118 118 118 118 118 118 652 119 119 119 119 119 119 119 119


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Premium Town670 111 111 111 111 111 111 111 111 671 109 109 109 109 109 109 109 109 672 98 98 98 98 98 98 98 98 673 107 107 107 107 107 107 107 107 674 108 108 108 108 108 108 108 108 702 126 126 126 126 126 126 126 126 703 151 151 151 151 151 151 151 151 710 139 139 139 139 139 139 139 139 711 133 133 133 133 133 133 133 133 712 133 133 133 133 133 133 133 133 713 114 114 114 114 114 114 114 114 714 142 142 142 142 142 142 142 142 715 112 112 112 112 112 112 112 112 716 127 127 127 127 127 127 127 127 717 177 177 177 177 177 177 177 177 718 150 150 150 150 150 150 150 150 719 118 118 118 118 118 118 118 118 720 111 111 111 111 111 111 111 111 721 135 135 135 135 135 135 135 135 730 137 137 137 137 137 137 137 137 731 118 118 118 118 118 118 118 118 732 119 119 119 119 119 119 119 119 733 112 112 112 112 112 112 112 112 734 122 122 122 122 122 122 122 122 735 139 139 139 139 139 139 139 139 736 107 107 107 107 107 107 107 107 737 109 109 109 109 109 109 109 109 738 108 108 108 108 108 108 108 108 739 113 113 113 113 113 113 113 113 740 118 118 118 118 118 118 118 118 741 125 125 125 125 125 125 125 125 742 107 107 107 107 107 107 107 107 743 118 118 118 118 118 118 118 118 802 320 320 320 320 320 320 320 320 803 216 216 216 216 216 216 216 216 810 164 164 164 164 164 164 164 164 815 124 124 124 124 124 124 124 124 816 185 185 185 185 185 185 185 185 817 200 200 200 200 200 200 200 200 818 209 209 209 209 209 209 209 209 819 281 281 281 281 281 281 281 281 820 306 306 306 306 306 306 306 306 821 206 206 206 206 206 206 206 206 822 150 150 150 150 150 150 150 150 823 224 224 224 224 224 224 224 224 824 306 306 306 306 306 306 306 306 900 158 158 158 158 158 158 158 158 902 131 131 131 131 131 131 131 131 910 109 109 109 109 109 109 109 109 911 118 118 118 118 118 118 118 118 912 120 120 120 120 120 120 120 120


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Premium Town913 123 123 123 123 123 123 123 123 914 122 122 122 122 122 122 122 122 915 116 116 116 116 116 116 116 116 916 119 119 119 119 119 119 119 119 917 110 110 110 110 110 110 110 110 918 122 122 122 122 122 122 122 122 919 121 121 121 121 121 121 121 121 920 107 107 107 107 107 107 107 107 921 108 108 108 108 108 108 108 108 922 133 133 133 133 133 133 133 133 923 115 115 115 115 115 115 115 115 924 110 110 110 110 110 110 110 110 930 113 113 113 113 113 113 113 113 931 129 129 129 129 129 129 129 129 932 112 112 112 112 112 112 112 112 933 109 109 109 109 109 109 109 109 934 112 112 112 112 112 112 112 112 935 114 114 114 114 114 114 114 114 936 119 119 119 119 119 119 119 119 937 110 110 110 110 110 110 110 110 938 109 109 109 109 109 109 109 109 939 108 108 108 108 108 108 108 108 940 121 121 121 121 121 121 121 121 941 111 111 111 111 111 111 111 111 942 111 111 111 111 111 111 111 111 943 118 118 118 118 118 118 118 118 944 128 128 128 128 128 128 128 128 945 111 111 111 111 111 111 111 111 946 107 107 107 107 107 107 107 107 947 107 107 107 107 107 107 107 107 948 112 112 112 112 112 112 112 112 949 109 109 109 109 109 109 109 109 950 129 129 129 129 129 129 129 129 951 118 118 118 118 118 118 118 118 952 109 109 109 109 109 109 109 109 953 111 111 111 111 111 111 111 111 954 112 112 112 112 112 112 112 112 955 111 111 111 111 111 111 111 111 956 107 107 107 107 107 107 107 107 957 109 109 109 109 109 109 109 109 958 113 113 113 113 113 113 113 113 959 119 119 119 119 119 119 119 119 960 109 109 109 109 109 109 109 109 961 114 114 114 114 114 114 114 114 970 114 114 114 114 114 114 114 114 971 118 118 118 118 118 118 118 118 973 119 119 119 119 119 119 119 119 974 109 109 109 109 109 109 109 109 975 109 109 109 109 109 109 109 109 976 111 111 111 111 111 111 111 111 977 122 122 122 122 122 122 122 122


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Premium Town978 110 110 110 110 110 110 110 110 979 110 110 110 110 110 110 110 110 980 111 111 111 111 111 111 111 111 981 108 108 108 108 108 108 108 108 991 127 127 127 127 127 127 127 127 992 127 127 127 127 127 127 127 127 993 127 127 127 127 127 127 127 127 994 127 127 127 127 127 127 127 127 995 127 127 127 127 127 127 127 127 996 127 127 127 127 127 127 127 127 999 127 127 127 127 127 127 127 127







6. Apply discounts/factor in the following order: motorcycle training, anti-theft, senior citizen, household, loyalty plus, multi-car, account, group, marketing partner, green, clean in three;

7. Apply merit rating; 8. Apply paid in full. 9. Add Motorcycle Accessory Coverage premium. 108. Apply Accident Forgiveness 9. Apply Paid in Full and Green (Pay Plan) Discounts. 10. Add Motorcycle Accessory Coverage premium.








Barnstable

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

Franklin







Territory Group A

Group B

Group C

Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $8 $14 $16 $11 $13 $1314 1 $1 $1 $1 $1 $1 $1 2 $8 $13 $15 $11 $12 $12 2 $1 $1 $1 $1 $1 $1 3 $8 $14 $16 $11 $13 $1314 3 $1 $1 $1 $1 $1 $1 4 $11 $18 $21 $15 $17 $1718 4 $1 $1 $1 $1 $1 $1 5 $10 $17 $19 $13 $15 $1516 5 $1 $1 $1 $1 $1 $1 6 $13 $20 $23 $15 $17 $1718 6 $1 $1 $1 $1 $1 $1 7 $12 $19 $22 $15 $17 $1718 7 $1 $1 $1 $1 $1 $1 8 $12 $18 $21 $15 $17 $1718 8 $1 $1 $1 $1 $1 $1 9 $13 $20 $23 $16 $18 $1819 9 $1 $1 $1 $1 $1 $1

10 $17 $28 29 $32 33 $21 $2526 $2324 10 $1 $2 $2 $2 $23 $23 11 $16 $27 28 $31 32 $21 $2526 $2324 11 $1 $2 $2 $1 $1 $1 12 $17 $29 30 $33 34 $22 $2627 $2425 12 $1 $2 $2 $2 $23 $23 13 $18 $32 33 $36 37 $25 26 $2930 $2728 13 $1 $2 $2 $2 $23 $23 14 $19 $33 34 $38 39 $25 26 $3031 $2829 14 $1 $2 $2 $2 $23 $23 15 $34 35 $54 55 $62 63 $43 44 $5051 $4850 15 $2 3 $4 5 $4 5 $3 4 $34 $34 16 $40 41 $62 63 $71 72 $49 50 $5758 $5557 16 $2 3 $4 5 $4 5 $4 5 $45 $46 17 $35 36 $56 57 $64 65 $45 46 $5253 $5052 17 $2 3 $4 5 $4 5 $3 4 $34 $34 18 $35 36 $56 57 $64 65 $45 46 $5253 $5052 18 $2 3 $4 5 $4 5 $3 4 $34 $34 19 $35 36 $56 57 $64 65 $45 46 $5253 $5052 19 $2 3 $4 5 $4 5 $3 4 $34 $34 20 $35 36 $56 57 $64 65 $45 46 $5253 $5052 20 $2 3 $4 5 $4 5 $3 4 $34 $34 21 $35 36 $56 57 $64 65 $45 46 $5253 $5052 21 $2 3 $4 5 $4 5 $3 4 $34 $34 22 $35 36 $56 57 $64 65 $45 46 $5253 $5052 22 $2 3 $4 5 $4 5 $3 4 $34 $34 23 $3536 $56 57 $64 65 $45 46 $5253 $5052 23 $2 3 $4 5 $4 5 $3 4 $34 $34 24 $35 36 $56 57 $64 65 $45 46 $5253 $5052 24 $2 3 $4 5 $4 5 $3 4 $34 $34 25 $35 36 $56 57 $64 65 $45 46 $5253 $5052 25 $2 3 $4 5 $4 5 $3 4 $34 $34 26 $35 36 $56 57 $64 65 $45 46 $5253 $5052 26 $2 3 $4 5 $4 5 $3 4 $34 $34 27 $7 $11 $12 $9 $10 $10 27 $1 $1 $1 $1 $1 $1 40 $18 $30 31 $34 35 $24 $2829 $2627 40 $1 $2 $2 $2 $23 $23 41 $19 $33 34 $38 39 $25 26 $3031 $2829 41 $1 $2 $2 $2 $23 $23 42 $34 35 $54 55 $62 63 $43 44 $5051 $4850 42 $2 3 $4 5 $4 5 $3 4 $34 $34 43 $35 36 $55 56 $63 64 $44 45 $5152 $4951 43 $2 3 $4 5 $4 5 $3 4 $34 $34 44 $39 40 $62 63 $71 72 $48 49 $5657 $5456 44 $2 3 $4 5 $4 5 $45 $45 $46 45 $34 35 $54 55 $62 63 $43 44 $5051 $4850 45 $2 3 $4 5 $4 5 $3 4 $34 $34

Notes:





Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.



MOTORCYCLE RATES





Territory Group A

Group B

Group C Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $10 $15 $17 $12 $14 $1415 1 $2 $4 $4 $5 $5 $5 2 $9 $13 $15 $11 $13 $1314 2 $2 $4 $4 $5 $5 $5 3 $10 $15 $17 $11 $13 $1314 3 $2 $4 $4 $5 $5 $5 4 $13 $21 $24 $15 $17 $1718 4 $3 $5 $5 $6 $6 $6 5 $12 $19 $22 $13 $15 $1516 5 $3 $5 $5 $6 $6 $6 6 $13 $21 $24 $16 $18 $1819 6 $3 $5 $5 $7 $7 $7 7 $13 $21 $24 $15 $17 $1718 7 $3 $5 $5 $7 $7 $7 8 $13 $21 $24 $15 $17 $1718 8 $3 $5 $5 $6 $6 $6 9 $13 $21 $24 $16 $18 $1819 9 $3 $5 $5 $7 $7 $7

10 $17 $30 31 $34 35 $21 $2526 $2324 10 $4 $8 $8 $9 $9 $9 11 $16 $29 30 $33 34 $21 $2526 $2324 11 $4 $7 $7 $8 $8 $8 12 $18 $31 32 $35 36 $22 $2627 $2425 12 $5 $8 $8 $9 $9 $9 13 $19 $32 33 $37 38 $24 $2829 $2627 13 $5 $8 $8 $10 $10 $10 14 $21 $32 33 $37 38 $25 26 $3031 $2829 14 $5 $8 $8 $11 $11 $11 15 $26 27 $32 33 $37 38 $30 31 $3536 $3334 15 $8 $15 $15 $17 $17 $1718 16 $26 27 $32 33 $37 38 $30 31 $3536 $3334 16 $8 $17 $17 $20 $20 $2021 17 $26 27 $32 33 $37 38 $30 31 $3536 $3334 17 $8 $15 $15 $17 $17 $1718 18 $26 27 $32 33 $37 38 $30 31 $3536 $3334 18 $8 $15 $15 $17 $17 $1718 19 $26 27 $32 33 $37 38 $30 31 $3536 $3334 19 $8 $15 $15 $17 $17 $1718 20 $26 27 $32 33 $37 38 $30 31 $3536 $3334 20 $8 $15 $15 $17 $17 $1718 21 $26 27 $32 33 $37 38 $30 31 $3536 $3334 21 $8 $15 $15 $17 $17 $1718 22 $26 27 $32 33 $37 38 $30 31 $3536 $3334 22 $8 $15 $15 $17 $17 $1718 23 $26 27 $32 33 $37 38 $30 31 $3536 $3334 23 $8 $15 $15 $17 $17 $1718 24 $26 27 $32 33 $37 38 $30 31 $3536 $3334 24 $8 $15 $15 $17 $17 $1718 25 $26 27 $32 33 $37 38 $30 31 $3536 $3334 25 $8 $15 $15 $17 $17 $1718 26 $26 27 $32 33 $37 38 $30 31 $3536 $3334 26 $8 $15 $15 $17 $17 $1718 27 $8 $12 $14 $10 $11 $11 27 $2 $3 $3 $4 $4 $4 40 $19 $32 33 $36 37 $23 $2728 $2526 40 $5 $8 $8 $10 $10 $10 41 $21 $32 33 $37 38 $25 26 $3031 $2829 41 $5 $8 $8 $11 $11 $11 42 $26 27 $32 33 $37 38 $30 31 $3536 $3334 42 $8 $15 $15 $17 $17 $1718 43 $26 27 $32 33 $37 38 $30 31 $3536 $3334 43 $8 $15 $15 $17 $17 $1718 44 $26 27 $32 33 $37 38 $30 31 $3536 $3334 44 $8 $17 $17 $19 $19 $1920 45 $26 27 $32 33 $37 38 $30 31 $3536 $3334 45 $8 $15 $15 $16 $16 $1617

Notes:



Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c to 1250 c.c

F Over 1250 c.c.



MOTORCYCLE RATES




Territory Group A


1 $8 $12 $15 $11 $12 $11

2

$8 $12 $15 $11 $12 $11

3 $10 $14 $17 $12 $15 $12

4

$10 $15 $18 $12 $15 $12

5 $10 $15 $18 $12 $15 $12

6

$11 $17 $20 $13 $16 $13

7 $11 $17 $20 $13 $16 $13

8

$11 $17 $20 $13 $16 $13

9 $14 $20 $24 $16 $19 $16

10

$13 $20 $23 $15 $18 $15

11 $14 $20 $24 $16 $19 $16

12 $17 $29 $33 $22 $26 $22

13 $16 $25 $29 $19 $22 $19

14 $17 $28 $32 $21 $25 $21

15 $19 $30 $35 $23 $27 $23

16 $20 $31 $36 $24 $28 $24

17 $26 $40 $47 $32 $37 $32

18

$26 $40 $47 $32 $37 $32

19 $26 $40 $47 $32 $37 $32

20

$26 $40 $47 $32 $37 $32

21 $26 $40 $47 $32 $37 $32

22

$26 $40 $47 $32 $37 $32

23 $26 $40 $47 $32 $37 $32

24

$26 $40 $47 $32 $37 $32

25 $26 $40 $47 $32 $37 $32

26 $26 $40 $47 $32 $37 $32

27 $8 $12 $15 $11 $12 $11

40 $14 $20 $24 $16 $19 $16

41 $20 $31 $36 $24 $28 $24

42 $20 $31 $36 $24 $28 $24

43 $21 $32 $37 $25 $29 $25

44 $20 $31 $36 $24 $28 $24

45 $20 $32 $37 $24 $28 $24

Notes:





Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.




Rates by limit

All Territories


500 $8487 $8488 $98105 $8993 $8995 $8487 750 $96100 $96101 $111119 $101105 $101108 $96100

1000 $105109 $105110 $121129 $110114 $110118 $105109 2000 $143149 $143150 $165177 $150156 $150161 $143149 5000 $230239 $230242 $267286 $242252 $242259 $230239

10000 $372387 $372391 $430460 $391407 $391418 $372387 15000 $458476 $458481 $531568 $482501 $482516 $458476 20000 $526547 $526552 $609652 $553575 $553592 $526547 25000 $559581 $559587 $647692 $588612 $588629 $559581 50000 $584607 $584613 $676723 $614639 $614657 $584607


Rates by limit

All Territories


None $0 $0 $0 $0 $0 $0 20/40 $21 $21 $21 $21 $21 $21 20/50 $21 $21 $21 $21 $21 $21 25/50 $21 $21 $21 $21 $21 $21 25/60 $22 $22 $22 $22 $22 $22 35/80 $24 $24 $24 $24 $24 $24

50/100 $26 $26 $26 $26 $26 $26 100/300 $31 $31 $31 $31 $31 $31 250/500 $37 $37 $37 $37 $37 $37 500/500 $48 $48 $48 $48 $48 $48

500/1000 $57 $57 $57 $57 $57 $57


Rates by limit

All Territories


None $0 $0 $0 $0 $0 $0 20/40 $0 $0 $0 $0 $0 $0 20/50 $1 $1 $1 $1 $1 $1 25/50 $7 $7 $7 $7 $7 $7 25/60 $7 $7 $7 $7 $7 $7 35/80 $2021 $2021 $2021 $2021 $2021 $2021

50/100 $3839 $3839 $3839 $3839 $3839 $3839 100/300 $8689 $8689 $8689 $8689 $8689 $8689 250/500 $237244 $237244 $237244 $237244 $237244 $237244 500/500 $433446 $433446 $433446 $433446 $433446 $433446

500/1000 $629648 $629648 $629648 $629648 $629648 $629648

Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.




MOTORCYCLE RATES







A Goup

B Group C Group

D Goup


1 $1.401.48 $1.26 $1.541.63 $1.47 $1.471.56 $1.331.32 $2,000 53.2% of $500 deductible premium

2 $1.341.42 $1.20 $1.471.56 $1.40 $1.401.48 $1.271.26 3 $1.511.60 $1.36 $1.661.76 $1.59 $1.591.69 $1.431.42 4 $1.651.75 $1.48 $1.811.92 $1.73 $1.731.83 $1.561.54 Part 7 - Collision

5 $1.912.02 $1.72 $2.102.23 $2.01 $2.012.13 $1.821.80 Waiver of Deductible Charges

6 $1.741.84 $1.56 $1.912.02 $1.83 $1.831.94 $1.651.63 7 $1.841.95 $1.66 $2.022.14 $1.93 $1.932.05 $1.751.73 All Territories 8 $2.122.25 $1.91 $2.342.48 $2.23 $2.232.36 $2.022.00 Deductible All Groups 9 $2.202.33 $1.98 $2.422.57 $2.31 $2.312.45 $2.092.07 $300 $8 10 $2.392.53 $2.15 $2.632.79 $2.51 $2.512.66 $2.272.25 $500 $12 11 $2.102.23 $1.89 $2.302.44 $2.20 $2.202.33 $1.991.97 $1,000 $16 12 $2.762.93 $2.49 $3.043.22 $2.90 $2.903.07 $2.632.60 $2,000 $24 13 $2.853.02 $2.56 $3.133.32 $2.99 $2.993.17 $2.702.67 14 $5.145.45 $4.63 $5.666.00 $5.40 $5.405.72 $4.894.84 15 $5.175.48 $4.65 $5.696.03 $5.43 $5.435.76 $4.914.86 16 $5.205.51 $4.68 $5.726.06 $5.46 $5.465.79 $4.944.89

17 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 Part 8 - Limited Collision 18 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 19 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 $500 deductible base premium (Part 8) =

20 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 (6.0%8.0%) x [$500 deductible Collision base premium (Part 7)]

21 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 Deductible All Groups

22 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 $0 $500 deductible premium (Part 8) + $8


24 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 $1,000 58.6% of $500 deductible premium (Part 8)


26 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32

27 $1.231.30 $1.10 $1.351.43 $1.29 $1.291.37 $1.161.15 Age


Year Age Rate

Factor

40 $3.253.45 $2.92 $3.573.78 $3.41 $3.413.61 $3.093.06 1 Current MY 1.00

41 $2.893.06 $2.60 $3.183.37 $3.04 $3.043.22 $2.752.72 2 1st preceding 0.93

42 $3.703.92 $3.33 $4.074.31 $3.88 $3.884.11 $3.513.47 3 2nd preceding 0.86

43 $5.325.64 $4.78 $5.856.20 $5.58 $5.585.91 $5.055.00 4 3rd preceding 0.79

44 $3.934.17 $3.54 $4.334.59 $4.13 $4.134.38 $3.743.70 5 4th preceding 0.72

45 $4.624.90 $4.16 $5.085.38 $4.85 $4.855.14 $4.394.35 6 5th preceding 0.65










MOTORCYCLE RATES




Territory Group A

Group B

Group C

Group D

Group E

Group F


1 $0.900.94 $0.73 $0.981.03 $0.90 $0.900.94 $0.730.71 $300 $500 deductible premium + $4



4 $1.001.05 $0.82 $1.091.14 $1.00 $1.001.05 $0.820.79

5 $1.031.08 $0.84 $1.121.18 $1.03 $1.031.08 $0.840.82

6 $1.221.28 $1.00 $1.331.40 $1.22 $1.221.28 $1.000.97

7 $1.451.53 $1.19 $1.591.66 $1.45 $1.451.53 $1.191.15

8 $1.861.95 $1.52 $2.032.13 $1.86 $1.861.95 $1.521.47

9 $1.621.71 $1.33 $1.771.86 $1.62 $1.621.71 $1.331.29

10 $2.052.15 $1.68 $2.232.35 $2.05 $2.052.15 $1.681.63 Fire Charge 5% of the motorcycle Comprehensive premium

11 $1.982.08 $1.62 $2.162.27 $1.98 $1.982.08 $1.621.57 Theft Charge 90% of the motorcycle Comprehensive premium

12 $2.512.64 $2.06 $2.742.88 $2.51 $2.512.64 $2.061.99

13 $2.322.44 $1.90 $2.532.66 $2.32 $2.322.44 $1.901.84 TOWING AND LABOR (RULE 33)

14 $3.173.33 $2.59 $3.463.63 $3.17 $3.173.33 $2.592.52 $50 per Disablement $100 per

Disablement

15 $3.773.96 $3.09 $4.124.32 $3.77 $3.773.96 $3.093.00 $8 $16

16 $5.695.98 $4.66 $6.216.52 $5.69 $5.695.98 $4.664.52

17 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

18 $5.866.16 $4.80 $6.405.72 $5.86 $5.866.16 $4.804.65 SUBSTITUTE TRANSPORTATION (RULE 17)

19 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $15/Day, $450 Maximum $30/Day, $900 Maximum

20 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $4547 $9095

21 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

22 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $45/Day, $1,350


Maximum

23 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $167175 $346363

24 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

25 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 Age Group Motorcycle Age Based on

Model Year Age Rate

Factor

26 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 1 Current MY 1.00

27 $0.820.86 $0.67 $0.890.94 $0.82 $0.820.86 $0.670.65 2 1st preceding 0.91

40 $2.342.46 $1.92 $2.552.68 $2.34 $2.342.46 $1.921.86 3 2nd preceding 0.81

41 $2.502.63 $2.05 $2.732.87 $2.50 $2.502.63 $2.051.99 4 3rd preceding 0.72

42 $3.483.66 $2.85 $3.803.99 $3.48 $3.483.66 $2.852.76 5 4th preceding 0.62

43 $3.583.76 $2.93 $3.914.10 $3.58 $3.583.76 $2.932.84 6 5th preceding 0.53

44 $5.675.96 $4.64 $6.196.50 $5.67 $5.675.96 $4.644.50 7 6th preceding 0.44

45 $3.623.80 $2.96 $3.954.15 $3.62 $3.623.80 $2.962.88 8 All Other 0.34





















$45/Day, $1,350


Private Passenger: $25$26 $64$66 $144$148 $309$318 Motorcycle: $45$47 $90$95 $167$175 $346$363




1 Part

2 Part

3 Part

4 Part

5 Part

6 Part

7 Part

8 Part

9 Part 10

Part 11

Part 12





8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%





10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%



5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%

5% 3% 1% 0%


Class: 17, 18 Class: 20, 21, 25, 26

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%

10% 15%





5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%

5% 5% 5% 5% 5% 5%



1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%

1% 2% 3%




8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%

8% 5% 3% 0%





10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%

10% 8% 6% 3% 1% 0%




INSURANCE MANUAL





Table A


Part 11

Part 12 Total



























27 Green Discount x x x x x x x x x x x x




31 Subtotal + + + + + + + + + + + +



34 MAIP Premium for selected Coverages in Coverage Package35 Capping Amount (Step 31)*min[(Step 34 divided by Step 33)-1,0]*(Step 32)

36 New Subtotal (Step 31+Step 35)


38 Paid In Full Discount x x x x x x x x x x x x




Coverage Premium



Table A


Part 11

Part 12 Total



























27 GreenDiscount x x x x x x x x x x x x

28 27 Clean in Three Discount x x x x

29 28 Senior Discount x x x x x x x x x x x x

30 29 Merit Rating Adjustment + + + + + +

31 30 Subtotal + + + + + + + + + + + +

32 31 Coverage Package Capping Factor

33 32 Sumproduct of Step 31 30 and Step 32 31

34 33 MAIP Premium for selected Coverages in Coverage Package

35 34

Capping Amount (Step 31 30)*min[(Step 34 33 divided by Step 33 32)-1,0]*(Step 32 31)

36 35 New Subtotal (Step 31 30+Step 35 34)

37 36 Auto Loan/Lease Coverage x x

38 PaidInFullDiscount x x x x x x x x x x x x

39 37 Accident Forgiveness x x x x x x x x x x x x


40 39 Commerce Elite Package Endorsement +

41 40 Commerce Enhancer Package Endorsement +

Coverage Premium



Explanation of Steps 3130-3635: MAIP Capping (compliance with DOI Bulletin 2009-13) In order to comply with the Massachusetts Division of Insurance Bulletin 2009-13, Rating Steps 3130-36 35 as found in Table A of Rule 11 ensure that for the “Coverage Package Premium not to Exceed MAIP Premium in Effect October 1, 2013” identified in Bulletin 2009-13, Exhibit 1, Commerce will charge no more than the MAIP premium for private passenger type vehicles as defined in Rule 27. The MAIP Capping calculation does not apply to miscellaneous type vehicles, including antique motor cars, antique motorcycles, motorcycles (incl. motor scooters, mopeds and similar motor vehicles), trailers and motor homes/camper bodies. This procedure will be calculated as follows: Step 3130: Derive the manually rated premium by applying Steps 1 through 30 29 in Table A as found in Rule 11. This will be referred to in future rating steps as “Uncapped Premium” Step 3231: Determine the Coverage Package Capping Factor from Tables B.1 –B.11, C, and D as found in Rule 11 applicable to each coverage based on the coverage limit selection for the rated vehicle. A factor equal to “1.000” will reflect that the Coverage Part falls within the definition of Bulletin 2009-13, Exhibit 1 and is subject to premium capping, a “0.000” (zero) will reflect that the Coverage Part is not included within the definition of Bulletin 2009-13, Exhibit 1 and is not subject to premium capping. Step 3332: Multiply each Coverage Part’s Uncapped Premium by the Coverage Package Capping Factor as determined in Step 3231. Add all Coverage Parts together. This total will be called “Applicable Capped Premium” for the Rated Vehicle. Step 3433: Determine the applicable MAIP Premium for all Coverage Parts where the Coverage Package Capping Factor, as determined in Step 3231, equals “1.000”. Sum all of the Coverage Part’s premium. This will be referred to in future rating steps as “Applicable MAIP Premium” Step 3534: Determine the necessary Premium reduction for each Coverage Part using the formula:

Step 31 30 * MINIMUM ( [ Step 34 33 ÷ Step 33 32 ] – 1.00 , 0.00 ) * Step 32 31

or in words:

Uncapped Premium x MINIMUM of [ (A) Applicable MAIP Premium ÷ Applicable Capped Premium minus 1.00 ; (B) 0.000 (zero) ] x Coverage Package Capping Factor Note: This value will always be either a Negative Amount or Zero for each Coverage Part. Step 3635: Step 31 30 + Step 3534




RULE 12. PREMIUM ROUNDING RULE The premium for each exposure will be rounded, separately for each coverage provided by the policy, as follows: 1. Steps 1 through 2827, as provided in Rule 11, will be rounded to the penny after each step. 2, Step 2928, 30 29 and 3736-41 40 will be rounded to the nearest whole dollar, For whole dollar rounding, a premium involving $0.50 or more will be rounded to the next whole dollar at the end of each step. This does not apply to Part 5, 20/40 limits and Part 6, $5,000 limit where rates may be used or rounded to the lower whole dollar. This procedure will apply to all interim premium adjustments, including endorsements or cancellations at the request of the insured. In the case of cancellation by Commerce, the return premium will be carried to the next higher whole dollar.








































This program has no impact on the premium or coverage selections. The benefits that are offered under the retail benefit program are subject to change at any time in our sole discretion. This service is provided through a third party and is subject to availability, terms, conditions and limitations, which may change without prior written notice. RULE 38. Disappearing Deductible Credit The Disappearing Deductible Credit is available to all eligible policyholders as of May 1, 2013. Endorsement CIC 2197 will be attached to all eligible new and renewal policies. For renewal policies issued on and after May 1, 2013, prior year(s) of coverage with Commerce count for the purposes of determining deductible credit awards. Eligibility The coverage applies if a premium is shown for any auto in the Coverage Selections Page for Collision or Limited Collision. Credit Awards Credits will be awarded after one full clean year where no credits were used or lost. “Clean Year” means any twelve month policy period in which the insured has their auto insured by Commerce and: (1) no operator was surcharged for an at-fault accident, and (2) the policy was free of hit and run Collision or Comprehensive loss payments greater than $500 for losses prior to July 1, 2015; or $1,000, for losses on or after July 1, 2015.



























1. Determine the Actual Cash Value premium for model year 2013 2017 shown in the rate pages for the vehicle symbol developed from Rule 22 for the appropriate territory code, class and deductible. Divide the Actual Cash Value premium by the Stated Amount Divisor table. Round the result to the nearest cent. For Symbol 71 and above, use the Symbol 70 Actual Cash Value premium and divisor.



1. Determine the Private Passenger latest year Class 10 manual rates by territory code for comprehensive. 2. Determine the comprehensive model year symbol factor based on model year 2013 2017 for the symbol

developed from Rule 22. 3. Median Symbol value. Calculated as the lowest value for the price new range + (highest value for the price




1. Apply a factor of 13.15 to the Private Passenger comprehensive model year symbol factor based on model year 2013 2017 for the symbol developed from Rule 22.



















will begin as of the effective date of that policy until Commerce receives an authorized inquiry response from the Merit Rating Board indicating the operator’s merit rating code. If an operator’s Motor Vehicle Report (MVR) is electronically available, Commerce will be responsible for obtaining it from the state or country where the operator was licensed. Driving history on MVRs obtained from more than one state or country will be combined by Commerce and considered as one report. An acceptable MVR must have three years or more driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the MVR, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with the MRB manual and its Administrative Procedures. An operator’s MVR with motor vehicle violations or at-fault accidents will be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. If an operator’s MVR is not electronically available, the operator’s policy experience period will begin as of the effective date of the policy until Commerce receives an authorized inquiry response from the Merit Rating Board with the operator’s actual merit rating code. The operator may obtain an official driving record or a record from a previous insurer and submit it to Commerce. If the driving record is not in English, a translation certified as true and correct by the translator must be obtained by the operator and attached to the driving record submitted to Commerce. An acceptable driving record must have three or more years driving history, unless the operator has been licensed less than three years. If there are no motor vehicle violations or at-fault accidents shown on the operator’s record, Commerce will submit a policy inquiry to the Merit Rating Board in compliance with its Administrative Procedures. An operator’s record with motor vehicle violations or at-fault accidents must be submitted to the Merit Rating Board. The Merit Rating Board will determine the operator’s merit rating code. Determination of Merit Rating Code Points are assigned to an operator for each of the following at-fault accidents and traffic violations that occurred during the five years immediately preceding the effective date of the policy: Minor traffic law violation 2 points Major at-fault accident 4 points Minor at-fault accident 3 points Major traffic law violation 5 points An “at-fault” accident is one in which the company determines that the involved operator is more than 50% at fault. An at-fault accident is defined as minor or major only if it resulted in a claim payment for bodily injury liability, damage to someone else’s property, collision or limited collision based on the table below: of at least $500 and up to $2,000. An at-fault accident is defined as major only if it resulted in a claim payment of more than $2,000. If the accident occurred prior to July 1, 2015









TITLE FORM NO. AAA Member Package Endorsement CIC 2114 (Ed. (Ed. 11-13) Accident Forgiveness CIC-2209 (Ed. 05-14) Advisory Notice to Policyholder Vehicle Sharing and Public or Livery Conveyance PA800MA (Ed 05/16) Agreed Amount – Comprehensive MPY-0034-S Ed. 04-08) Antique Auto M-0047-S (Ed. 04-08 Rev.) Auto Loan/Lease Coverage CIC 2125 (Ed. 5-12) Commerce VIP Package Endorsement CIC 2123 (Ed. 11-13) Commerce Elite Package Endorsement CIC 2126 (Ed. 05-13) Coverage for Anyone Renting An Auto To You M-0070-S (Ed. 11-11) Coverage for Customized Vans and Pickups MPY-0037-S (Ed. 04-08) Disappearing Deductible Credit Endorsement CIC-2197 (Ed. 05/15)05/16) DriveAdvisor Program Endorsement CIC-2229 (Ed. 12/15) Retail Benefit Program Endorsement CIC-2238 (Ed. 5/14) Enhancer Package Endorsement CIC 2122 (Ed. 11-13) Excess Electronic Equipment Coverage MPY-0041-S (Ed. 04-08 Rev.) $100 Glass Deductible MPY-0039-S (Ed. 04-08) Guest Occupants Exclusion - Motorcycles M-0002-S (Ed. 04-08) Massachusetts Automobile Insurance Policy 2008 Edition Massachusetts Mandatory Endorsement M-0099-S (Ed. 09-11) Mobile Home Endorsement MPY-0002-S (Ed. 01-77) Motorcycle Accessory Coverage CIC-2174 (4/11) Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S (Ed. 04-08) Notice to Policyholders CIC-2211 (11/13) Notice to Policyholders CIC-2210 (11/13) Operator Exclusion Form CIC-616 (Ed. 01-02) Original Equipment Manufacturer Parts Coverage MPY-0040-S (Ed. 04-08) Other Optional Insurance – Combined Additional Coverage MPY-0031-S (Ed. 04-08) Other Optional Insurance – Fire, Lightning and Transportation MPY-0028-S (Ed. 04-08) Other Optional Insurance – Theft MPY-0029-S (Ed. 04-08) Stated Amount Coverage MPY-0027-S (Ed. 04-08 Rev.) Suspension of Coverage - Reduction of Limits MPY-0032-S (Ed. 04-08) Transportation of Fellow Employees, Students or Others M-0004-S (Ed. 04-08) Trust Endorsement M-0107-S (Ed. 01-06) Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S (Ed. 04-08) Vehicle Sharing and Public or Livery Conveyance Exclusion CIC-2212 (Ed. 11-1305/16) Waiver of Deductible MPY-0016-S (Ed. 04-08 Rev.)

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Town 10 17 18 20 21 25 26 30



110 150 310 199 568 348 543 306 170 111 185 364 243 668 433 640 372 209 112 182 346 228 648 421 621 366 200 130 150 310 199 568 348 543 306 170 131 167 343 219 629 385 600 339 187 132 190 371 243 677 444 651 381 217 133 203 383 252 718 467 688 405 222 134 169 332 220 608 397 583 341 191 135 167 343 219 629 385 600 339 187 136 184 363 239 670 428 638 373 210 137 167 343 219 629 385 600 339 187 138 185 364 243 668 433 640 372 209 139 185 364 243 668 433 640 372 209 140 173 350 227 648 402 613 349 196 170 167 343 219 629 385 600 339 187 171 202 380 251 718 465 688 403 219 172 167 343 219 629 385 600 339 187 173 202 380 251 718 465 688 403 219 174 173 350 227 648 402 613 349 196 175 167 343 219 629 385 600 339 187 176 167 343 219 629 385 600 339 187 177 185 364 243 668 433 640 372 209 178 167 343 219 629 385 600 339 187 179 167 343 219 629 385 600 339 187 180 185 364 243 668 433 640 372 209 181 167 343 219 629 385 600 339 187 182 167 343 219 629 385 600 339 187 183 167 343 219 629 385 600 339 187 184 173 350 227 648 402 613 349 196 185 173 350 227 648 402 613 349 196 186 187 368 245 673 440 646 378 210 200 279 535 363 982 665 943 578 318 201 276 530 363 970 665 923 589 312 202 259 485 334 936 614 886 531 294 210 232 447 296 840 554 799 477 264 211 245 469 320 877 604 840 517 282 212 254 488 331 913 616 866 527 291 213 243 465 318 877 592 840 517 282 214 228 430 290 797 514 765 454 256 215 221 421 282 781 504 743 441 249 230 243 465 318 877 592 840 517 282 231 242 466 309 873 565 829 496 278 232 225 433 294 846 553 795 475 260 233 225 433 288 828 542 787 471 258 234 232 447 296 840 554 799 477 264 235 247 475 315 890 577 846 502 281 236 219 420 287 805 517 771 450 251 237 221 423 287 813 522 771 455 254 238 251 476 319 897 592 850 516 285 239 233 446 301 847 554 802 480 269 240 226 430 283 815 538 783 468 253


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Town 10 17 18 20 21 25 26 30



300 334 598 399 1,064 735 1,008 632 350 302 252 469 323 896 599 860 523 288 303 267 548 380 938 643 897 562 287 304 249 482 321 880 587 837 513 282 310 210 399 266 750 493 713 418 235 311 238 453 304 847 549 802 475 269 312 227 435 289 820 538 781 470 261 313 227 439 293 828 543 788 470 261 314 245 470 314 884 584 838 497 279 315 211 408 269 759 495 728 428 240 316 251 481 327 918 591 872 516 290 317 253 483 323 909 602 873 530 284 318 208 398 266 727 489 698 418 235 319 250 480 321 902 596 856 508 284 320 271 518 348 975 645 929 558 305 321 285 551 374 1,006 685 958 585 321 322 276 520 352 990 655 941 562 309 330 216 415 274 774 508 735 431 242 331 211 405 270 755 491 725 426 241 332 211 405 270 755 491 725 426 241 333 219 417 277 780 510 750 435 245 334 260 503 341 931 636 893 552 304 335 175 350 232 656 408 629 358 203 336 208 396 267 741 478 703 415 237 337 256 490 325 922 607 877 525 290 338 273 509 347 956 646 919 554 314 339 191 371 247 687 448 653 382 215 340 235 446 296 845 547 801 472 260 341 211 405 270 755 486 725 426 241 342 224 430 283 815 538 783 468 253 343 224 435 282 789 516 757 450 249 344 180 364 235 671 422 637 367 206 370 204 387 260 719 464 683 406 230 371 222 431 282 796 518 759 442 254 400 244 473 357 853 636 818 555 302 402 229 424 299 828 543 791 479 260 403 219 468 314 826 549 793 482 287 410 188 353 241 661 424 636 375 211 411 150 310 199 568 348 543 306 170 412 182 343 228 648 419 621 364 199 420 243 465 318 877 592 840 517 282 421 245 469 318 885 592 840 517 282 422 213 404 273 755 490 718 423 241 423 213 407 281 789 502 756 446 247 424 212 398 271 753 496 722 441 239 425 236 444 301 844 554 809 479 263 430 167 343 219 629 385 600 339 187 431 185 364 243 668 433 640 372 209 432 150 310 199 568 348 543 306 170 433 167 343 219 629 385 600 339 187 434 167 343 219 629 385 600 339 187


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Town 10 17 18 20 21 25 26 30



435 185 364 243 668 433 640 372 209 436 208 391 267 733 469 703 415 234 437 173 350 227 648 402 613 349 196 440 186 364 243 676 442 640 376 210 441 219 416 279 783 516 745 456 247 442 232 443 302 844 542 801 476 266 443 218 413 280 765 494 734 437 247 444 213 407 281 789 502 756 446 247 445 234 450 299 849 556 816 489 266 470 167 343 219 629 385 600 339 187 471 167 343 219 629 385 600 339 187 472 167 343 219 629 385 600 339 187 473 167 343 219 629 385 600 339 187 474 167 343 219 629 385 600 339 187 475 167 343 219 629 385 600 339 187 476 202 380 251 718 465 688 403 219 477 186 364 243 676 442 640 376 210 478 185 364 243 668 433 640 372 209 479 185 364 243 668 433 640 372 209 480 167 343 219 629 385 600 339 187 481 167 343 219 629 385 600 339 187 482 202 380 251 718 465 688 403 219 483 167 343 219 629 385 600 339 187 484 167 343 219 629 385 600 339 187 490 208 391 267 733 469 703 415 234 491 210 397 269 736 473 707 418 237 492 210 396 262 748 484 710 415 229 493 232 447 296 840 554 799 477 264 494 188 371 246 683 446 647 379 213 495 173 357 229 655 402 625 353 196 496 188 371 246 683 446 647 379 213 497 202 380 251 718 470 688 403 222 510 217 419 282 811 531 779 466 249 511 211 405 270 755 486 725 426 241 512 220 419 282 774 497 744 437 247 513 216 413 282 789 508 756 446 247 514 208 391 267 733 469 703 415 234 530 210 397 269 736 473 707 418 237 531 173 353 229 655 402 619 353 196 532 173 353 229 655 402 619 353 196 533 202 380 251 718 470 688 403 222 534 173 350 227 648 402 613 349 196 570 173 350 227 648 402 613 349 196 571 167 343 219 629 385 600 339 187 573 167 343 219 629 385 600 339 187 574 226 427 283 805 525 763 449 254

576 185 364 243 668 433 640 372 209 577 179 359 233 664 418 629 364 204 578 167 343 219 629 385 600 339 187 580 204 402 265 736 477 698 411 232


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Rate ClassPremium

Town 10 17 18 20 21 25 26 30



581 173 350 227 648 402 613 349 196 582 186 364 243 676 442 640 376 210 600 270 525 348 963 638 915 553 304 601 255 509 362 935 645 896 565 302 602 334 627 417 1,103 764 1,046 657 371 603 334 627 417 1,103 764 1,046 657 371 604 296 573 390 1,044 707 994 609 335 605 273 516 347 976 648 928 554 309 606 252 487 334 890 606 855 522 287 607 268 513 344 956 640 908 550 304 608 264 504 344 949 640 902 546 304 610 251 481 330 924 591 878 519 290 611 244 461 316 865 551 828 487 276 612 224 431 282 789 516 750 446 249 613 195 406 260 742 452 710 400 225 614 243 461 309 859 568 826 506 274 615 280 526 353 991 656 940 563 313 616 210 401 265 735 483 705 419 238 617 214 406 269 761 493 731 430 234 618 214 414 274 781 512 743 446 245 619 264 513 339 952 630 912 550 303 620 195 406 260 742 452 710 400 225 621 244 461 316 865 551 828 487 276 622 244 461 316 865 551 828 487 276 623 280 524 355 987 657 945 571 317 624 272 516 345 971 642 931 549 309 625 219 416 284 780 496 747 440 249 626 241 462 310 862 577 820 496 274 630 195 406 260 742 452 710 400 225 631 250 484 323 902 602 864 517 284 632 210 401 269 744 482 707 418 237 633 230 446 290 811 542 779 462 255 634 243 469 310 883 580 842 500 277 635 250 480 328 902 589 865 516 288 636 180 371 238 677 422 649 371 206 637 237 450 298 839 547 804 473 260 638 195 406 260 742 452 710 400 225 639 221 430 288 787 514 756 440 248 640 194 382 250 691 449 664 392 221 641 245 475 316 891 584 855 513 281 642 180 371 238 677 422 649 371 206 643 203 391 262 724 479 694 408 229 644 195 388 256 728 452 698 398 225 645 175 366 234 670 408 640 361 203 646 243 469 310 883 580 842 500 277 647 179 359 233 664 418 629 364 204 648 226 428 288 797 518 759 446 251 649 237 450 299 845 547 811 476 260 650 195 404 260 739 452 707 400 225 651 244 461 316 865 551 828 487 276 652 242 467 310 866 568 830 489 278


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Town 10 17 18 20 21 25 26 30



670 197 383 255 707 458 671 396 225 671 195 388 256 728 452 698 398 225 672 195 388 256 728 452 698 398 225 673 200 390 260 722 468 684 403 228 674 221 430 288 787 514 756 440 248 702 288 529 372 1,020 690 980 589 332 703 285 551 374 1,006 685 958 585 321 710 280 524 355 987 657 945 571 317 711 273 509 347 956 646 919 549 311 712 277 524 353 984 657 934 554 318 713 217 414 277 757 510 728 435 245 714 276 539 363 984 657 943 575 313 715 237 450 299 845 547 811 476 260 716 260 503 338 931 630 885 546 301 717 312 571 387 1,018 694 977 608 340 718 282 545 365 995 680 948 574 319 719 249 477 316 883 575 842 495 284 720 221 430 288 787 514 756 440 248 721 283 526 357 1,001 662 960 575 313 730 274 530 349 973 652 924 558 305 731 228 430 290 797 514 765 454 256 732 225 431 284 796 518 765 446 256 733 237 450 299 845 547 811 476 260 734 228 430 290 797 514 765 454 256 735 279 542 355 992 657 942 564 313 736 195 406 260 742 452 710 400 225 737 195 404 260 739 452 707 400 225 738 195 404 260 739 452 707 400 225 739 204 402 267 736 477 705 415 232 740 228 436 289 813 530 771 454 260 741 262 495 336 922 613 886 541 299 742 250 480 328 902 589 865 521 288 743 220 424 280 789 510 750 442 249 802 311 603 398 1,053 709 998 618 340 803 355 654 428 1,094 776 1,041 682 377 810 290 556 370 1,012 678 972 589 329 815 282 568 361 1,008 658 960 554 318 816 319 621 399 1,068 726 1,023 620 338 817 302 605 391 1,029 687 977 589 333 818 323 654 402 1,094 722 1,041 622 350 819 351 680 448 1,154 788 1,080 680 381 820 363 698 514 1,096 799 1,039 701 420 821 276 582 384 991 670 943 575 311 822 282 591 384 988 656 939 559 318 823 285 653 386 1,008 706 970 608 335 824 351 657 471 1,031 740 981 648 359 900 285 545 367 1,011 680 963 583 325 902 243 465 318 877 592 840 517 282 910 188 353 241 661 422 636 375 211 911 234 445 299 838 554 795 488 264 912 211 405 270 755 486 725 426 241


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Town 10 17 18 20 21 25 26 30



913 230 437 295 805 518 775 454 256 914 229 441 299 843 554 806 485 266 915 245 475 312 891 584 847 504 281 916 237 452 310 860 553 825 489 274 917 224 425 285 789 514 750 446 251 918 251 487 328 918 602 883 525 293 919 237 456 306 856 554 821 492 272 920 237 456 306 856 554 821 492 272 921 195 388 256 728 452 698 398 225 922 238 458 314 856 584 820 510 276 923 207 402 263 730 488 702 416 231 924 208 391 267 733 471 703 415 234 930 197 383 255 707 458 671 396 225 931 251 476 319 897 592 850 516 285 932 203 383 252 718 467 688 405 225 933 180 371 238 677 422 649 371 206 934 214 407 272 766 503 728 426 239 935 211 405 270 755 486 725 426 241 936 220 421 282 797 518 756 446 250 937 206 388 256 733 474 696 407 225 938 219 417 278 785 506 747 439 249 939 173 350 227 648 402 613 349 196 940 230 437 295 805 518 775 454 256 941 230 446 290 811 542 779 462 255 942 187 368 245 673 440 646 378 210 943 216 415 274 774 508 735 431 242 944 248 477 321 890 603 846 516 284 945 208 402 266 735 494 698 418 235 946 195 388 256 728 452 698 398 225 947 202 399 263 728 473 698 412 231 948 208 391 267 733 469 703 415 234 949 195 406 260 742 452 710 400 225 950 229 438 295 830 543 787 471 264 951 224 425 285 789 514 750 446 251 952 195 406 260 742 452 710 400 225 953 180 371 238 677 422 649 371 206 954 200 390 260 722 468 684 403 228 955 194 382 250 691 449 664 392 221 956 174 356 228 651 406 624 356 199 957 195 388 256 728 452 698 398 225 958 208 391 267 733 469 703 415 234 959 216 415 277 774 508 743 435 242 960 173 350 227 648 402 613 349 196 961 197 383 255 707 458 671 396 225 970 217 414 274 757 510 728 431 245 971 220 424 280 789 510 757 446 249 973 216 416 275 775 505 734 434 244 974 180 371 238 677 422 649 371 206 975 173 350 227 648 402 613 349 196 976 193 375 251 697 450 660 383 217 977 233 446 301 847 554 802 480 269


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Town 10 17 18 20 21 25 26 30



978 167 343 219 629 385 600 339 187 979 185 364 243 668 433 640 372 209 980 180 364 235 671 422 637 367 206 981 185 364 243 668 433 640 372 209 991 255 476 323 899 602 862 530 286 992 255 476 323 899 602 862 530 286 993 255 476 323 899 602 862 530 286 994 255 476 323 899 602 862 530 286 995 255 476 323 899 602 862 530 286 996 255 476 323 899 602 862 530 286 999 255 476 323 899 602 862 530 286


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10 17 18 20 21 25 26 30002 474 1,042 652 1,686 1,101 1,446 947 470 010 364 860 505 1,484 901 1,288 784 369 011 332 792 452 1,409 832 1,187 722 341 012 314 741 427 1,320 767 1,142 675 315 013 332 792 452 1,409 832 1,187 722 341 014 356 832 490 1,444 889 1,265 767 360 015 367 858 498 1,479 911 1,291 792 372 016 333 778 473 1,420 844 1,161 728 336 017 356 846 488 1,465 891 1,273 769 367 021 295 688 410 1,234 764 1,065 659 308 030 337 799 460 1,401 859 1,201 730 341 031 328 787 448 1,376 802 1,213 710 329 032 338 808 461 1,437 848 1,223 736 348 033 334 808 453 1,405 833 1,224 728 334 034 331 780 460 1,385 847 1,197 738 343 035 384 888 524 1,571 957 1,358 833 391 036 331 800 448 1,392 828 1,213 721 334 037 308 719 420 1,329 797 1,092 692 317 038 296 712 404 1,288 728 1,085 635 302 039 359 850 499 1,479 898 1,288 780 368 040 296 712 404 1,288 728 1,085 635 302 041 328 793 448 1,395 824 1,223 710 334 042 347 826 472 1,437 864 1,249 755 350 043 300 714 411 1,303 735 1,092 647 304 044 322 764 440 1,321 806 1,152 691 323 045 350 818 487 1,449 879 1,238 759 352 050 308 739 418 1,336 770 1,123 657 314 051 255 628 350 1,177 641 965 563 262 052 287 693 394 1,288 705 1,070 622 293 053 276 667 372 1,186 679 1,024 595 276 054 280 661 385 1,183 685 1,018 603 281 055 264 640 363 1,240 663 996 573 270 056 234 577 321 1,080 588 885 517 241 057 287 692 392 1,231 718 1,072 615 288 058 276 667 372 1,186 679 1,024 595 276 059 298 722 402 1,284 736 1,111 644 297 060 280 661 385 1,183 685 1,018 603 281 061 295 722 398 1,284 736 1,111 644 295 062 305 739 413 1,336 762 1,123 657 311 070 312 727 428 1,357 813 1,114 706 323 071 332 792 452 1,409 832 1,187 722 341 080 255 628 350 1,177 641 965 563 262 081 266 647 364 1,187 668 994 586 272 082 255 628 350 1,177 641 965 563 262 083 295 729 398 1,293 736 1,133 644 295 084 298 713 408 1,256 746 1,093 640 301 085 292 688 406 1,234 748 1,056 657 303 086 269 640 367 1,240 676 996 579 276 087 263 634 357 1,177 654 974 575 269 088 255 628 350 1,177 641 965 563 262 102 281 678 379 1,226 701 1,031 603 285


Premium Town

Collision (Part 7)


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Premium Town

Collision (Part 7)

110 234 577 321 1,080 588 885 517 241 111 269 640 367 1,240 676 996 579 276 112 251 595 334 1,180 599 957 532 250 130 234 577 321 1,080 588 885 517 241 131 255 628 350 1,177 641 965 563 262 132 263 634 357 1,177 654 974 575 269 133 293 690 395 1,287 713 1,067 630 297 134 259 625 354 1,140 646 940 563 262 135 263 634 357 1,177 654 974 575 269 136 263 634 357 1,177 654 974 575 269 137 263 634 357 1,177 654 974 575 269 138 282 681 385 1,240 703 1,023 614 284 139 264 640 363 1,240 663 996 573 270 140 255 628 350 1,177 641 965 563 262 170 276 667 372 1,186 679 1,024 595 276 171 282 660 374 1,287 679 1,042 598 283 172 281 675 381 1,205 686 1,046 603 283 173 273 647 364 1,287 653 1,042 580 272 174 281 675 381 1,205 686 1,046 603 281 175 263 634 357 1,177 654 974 575 269 176 281 675 381 1,205 686 1,046 603 283 177 264 640 363 1,240 663 996 573 270 178 266 653 364 1,201 668 1,004 586 272 179 266 647 364 1,187 668 994 586 272 180 269 640 367 1,240 676 996 579 276 181 255 628 350 1,177 641 965 563 262 182 298 729 402 1,293 736 1,133 644 297 183 255 628 350 1,177 641 965 563 262 184 266 647 364 1,187 668 994 586 272 185 266 647 364 1,187 668 994 586 272 186 287 692 388 1,240 720 1,046 625 293 200 395 942 567 1,560 1,014 1,355 867 416 201 390 918 546 1,522 978 1,327 855 401 202 359 842 491 1,450 882 1,266 777 367 210 314 739 431 1,329 797 1,113 692 323 211 346 815 476 1,415 872 1,227 753 354 212 353 842 490 1,450 880 1,264 765 360 213 331 792 458 1,401 849 1,196 728 338 214 317 742 431 1,315 777 1,142 684 318 215 293 712 404 1,288 721 1,085 635 299 230 342 815 476 1,415 863 1,227 753 350 231 324 771 443 1,409 824 1,167 709 322 232 306 709 421 1,357 813 1,097 706 320 233 320 746 436 1,342 806 1,124 700 326 234 314 739 431 1,329 797 1,113 692 323 235 347 817 472 1,437 855 1,236 747 350 236 296 720 404 1,336 758 1,118 648 299 237 305 727 411 1,336 758 1,118 654 306 238 333 801 454 1,409 831 1,199 725 336 239 314 739 431 1,329 797 1,113 692 323


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Premium Town

Collision (Part 7)

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Premium Town

Collision (Part 7)

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Collision (Part 7)

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Collision (Part 7)

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432 28.080 69.240 38.520 129.600 70.560 106.200 62.040 28.920433 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440434 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440435 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400436 33.720 81.360 46.200 154.560 82.560 127.080 72.480 33.120437 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280440 33.000 80.040 45.240 151.920 82.800 124.560 71.640 33.720441 36.600 88.320 50.040 155.280 91.440 132.120 79.920 36.960442 39.360 94.080 53.280 163.560 98.040 142.560 85.680 39.720443 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600444 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360445 39.360 91.680 54.720 162.840 100.920 142.200 87.120 41.040470 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280471 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440472 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440473 35.400 86.640 47.760 154.080 88.320 133.320 77.280 35.400474 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440475 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440476 35.880 85.080 48.600 154.440 87.000 130.920 77.520 36.240477 34.440 82.560 47.160 148.800 86.160 123.840 74.400 34.800478 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080479 31.680 76.800 43.560 148.800 79.560 119.520 68.760 32.400480 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280481 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440482 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120483 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440484 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440490 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760491 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240492 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400493 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040494 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160495 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280496 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720497 34.560 81.480 46.200 154.440 83.880 126.000 74.280 34.560510 38.520 89.880 53.640 161.280 99.960 139.320 86.160 40.320511 34.440 83.160 47.280 154.560 84.600 128.400 74.640 35.160512 35.160 85.440 48.480 154.560 86.520 130.200 76.200 35.880513 35.760 86.640 48.720 160.320 89.520 131.520 77.640 36.360514 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760530 36.000 85.680 49.320 156.360 88.200 131.040 77.640 36.480531 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280532 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640533 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960534 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280570 31.920 78.360 43.680 145.680 80.160 120.480 70.320 32.640571 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280573 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640574 36.480 86.640 49.200 160.320 90.600 131.520 78.360 36.720576 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880


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577 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320578 33.120 80.040 44.640 142.320 81.480 122.880 71.400 33.120580 33.000 78.480 44.760 148.800 82.800 122.160 70.920 33.720581 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680582 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720600 48.960 118.560 67.080 197.400 122.520 164.760 105.960 50.280601 44.400 108.480 69.480 181.680 119.400 154.800 103.920 47.520602 67.560 147.960 90.000 216.480 154.800 176.400 135.120 66.360603 65.160 144.960 86.520 216.480 153.360 176.400 132.360 64.560604 52.440 123.240 70.680 202.800 130.200 176.280 111.720 53.040605 46.200 109.680 62.640 192.120 117.480 166.200 100.920 46.440606 46.680 110.880 63.120 178.800 116.160 155.520 100.440 47.280607 44.640 105.720 60.720 183.000 112.080 159.360 96.720 45.720608 44.640 105.480 60.720 184.680 113.160 158.760 96.720 45.720610 41.640 101.760 56.520 178.920 105.360 154.440 90.960 42.240611 42.000 100.080 57.720 179.760 103.440 155.640 90.000 41.160612 36.240 86.040 49.080 154.440 88.800 130.920 78.240 36.960613 36.480 88.440 49.560 156.840 90.840 137.520 79.680 36.720614 39.960 96.120 54.480 169.080 99.720 143.880 87.000 40.320615 46.080 106.560 62.880 188.520 114.840 162.960 99.960 46.920616 34.680 83.160 47.520 145.680 85.080 128.520 75.000 34.800617 36.720 86.640 49.200 162.840 88.320 138.000 78.360 36.600618 36.240 86.400 49.920 152.880 94.080 129.120 81.000 37.680619 45.840 110.880 62.760 190.800 113.520 163.800 99.360 45.720620 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680621 41.400 97.320 56.400 170.880 101.640 148.560 88.560 41.160622 41.400 98.280 57.000 172.440 101.640 150.120 89.520 41.160623 46.800 109.680 65.400 192.120 117.000 163.080 101.040 46.920624 45.840 107.520 62.760 187.200 113.520 163.080 97.560 45.240625 37.800 91.800 51.840 160.920 93.120 141.600 81.960 36.960626 40.560 95.760 55.200 169.800 102.960 144.360 87.840 41.640630 36.840 91.080 49.560 159.840 91.680 140.160 80.520 36.720631 42.960 100.200 60.240 184.560 112.560 156.720 98.640 45.240632 34.800 83.160 47.880 154.560 86.400 128.400 75.480 35.760633 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720634 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720635 42.360 102.600 57.600 178.800 107.520 156.120 92.760 43.080636 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320637 39.600 93.120 53.040 163.680 95.520 141.960 84.360 39.720638 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720639 39.480 94.560 53.040 164.040 98.640 143.400 84.720 39.480640 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320641 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200642 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320643 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400644 35.760 86.520 48.960 152.280 89.520 133.800 76.800 36.120645 33.240 81.960 44.640 148.560 82.560 130.560 72.480 33.120646 39.720 92.640 54.720 164.520 101.880 142.200 87.840 41.040647 31.560 76.080 42.840 141.240 78.480 116.880 69.000 32.280648 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240


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649 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680650 35.040 84.240 47.400 149.040 85.680 129.360 75.360 35.160651 42.000 102.120 57.720 180.720 103.440 158.880 91.080 41.160652 41.760 97.680 57.000 172.440 102.240 150.720 90.000 42.000670 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240671 36.120 86.640 48.720 154.080 89.880 133.320 78.240 36.000672 36.480 88.440 49.560 158.640 90.840 139.320 79.680 36.720673 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080674 39.480 96.240 53.400 170.520 99.600 147.480 86.520 39.480702 50.280 117.240 69.000 203.640 123.600 174.480 106.560 50.280703 52.440 123.240 71.160 205.800 130.800 176.280 111.720 53.760710 45.240 107.400 63.000 184.320 113.760 159.840 99.000 46.080711 45.360 107.400 62.880 185.400 112.560 159.840 97.920 46.080712 46.200 109.680 64.920 190.080 116.040 163.080 101.040 46.920713 35.280 84.000 47.520 148.800 88.200 126.720 76.440 36.240714 47.760 115.080 66.120 192.480 119.160 164.160 103.920 49.080715 40.080 94.080 54.240 168.720 97.200 144.600 85.320 40.320716 44.640 105.720 60.720 181.560 112.080 159.360 96.720 44.760717 55.920 124.920 74.520 202.080 132.120 176.400 115.200 54.720718 49.920 117.720 68.160 192.480 122.880 164.400 107.160 50.760719 41.040 97.680 55.680 172.080 102.240 149.280 88.440 42.000720 39.480 96.240 53.400 169.080 99.600 146.160 86.520 39.480721 46.080 106.560 63.000 186.960 114.840 162.960 98.880 46.920730 44.040 108.720 62.160 177.720 112.440 155.520 97.440 45.240731 35.880 85.440 49.320 154.560 88.320 130.200 76.920 36.600732 37.680 88.920 51.240 158.400 92.040 137.040 81.000 37.800733 40.920 96.000 54.720 173.880 98.040 149.040 87.120 40.680734 38.040 89.880 52.320 159.360 93.240 137.040 82.080 38.160735 46.440 112.320 63.840 186.960 115.920 161.040 100.320 47.760736 36.840 91.080 49.560 161.640 91.680 141.720 80.520 36.720737 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720738 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160739 36.000 86.520 48.600 154.920 89.760 130.560 78.000 36.600740 38.160 92.400 51.720 162.000 95.280 139.800 83.040 38.520741 45.840 108.600 62.760 188.880 113.520 162.480 98.280 45.720742 42.720 103.680 58.080 180.480 109.680 157.560 93.600 43.080743 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240802 68.280 144.960 88.560 204.000 137.160 163.200 118.320 67.200803 74.280 151.920 93.360 209.640 160.800 170.040 139.320 71.160810 53.880 127.200 77.640 211.320 141.960 177.840 123.240 57.360815 51.360 120.720 69.720 202.320 123.120 170.040 107.160 51.840816 59.160 137.400 80.880 207.120 141.360 166.200 122.760 61.320817 55.920 131.400 82.440 199.800 137.280 160.320 120.000 59.520818 65.040 146.040 87.840 205.080 152.400 163.800 132.240 66.120819 70.920 157.680 97.680 216.480 167.400 167.640 144.960 77.280820 69.960 147.960 99.720 202.920 161.760 160.800 138.960 92.880821 53.640 127.560 85.440 200.520 134.280 166.200 115.920 56.040822 53.160 122.760 75.720 197.400 127.920 163.080 111.720 54.600823 54.120 127.440 82.800 200.520 133.920 166.320 116.520 57.600824 73.320 156.480 98.640 204.360 164.640 163.200 142.920 74.640


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900 49.440 117.720 70.080 194.880 125.520 169.200 108.360 51.840902 41.640 99.000 57.600 172.320 103.560 148.560 90.000 42.360910 32.280 78.480 44.400 141.960 79.560 119.520 69.960 33.000911 37.800 90.720 51.600 169.080 96.840 137.160 83.280 38.040912 36.480 86.400 50.280 154.560 89.400 133.080 78.840 36.600913 39.360 93.360 53.280 164.040 97.800 144.000 84.360 40.080914 38.880 90.840 53.640 161.280 99.960 139.320 86.160 40.320915 41.040 94.920 55.440 167.160 103.080 144.720 89.160 41.880916 41.040 98.760 55.680 173.880 102.240 150.720 88.440 42.000917 38.520 90.720 52.320 158.640 94.560 139.800 82.680 38.640918 41.400 97.680 57.600 172.440 106.080 149.280 91.800 43.200919 41.400 98.880 56.400 171.000 103.200 147.720 88.560 41.400920 41.640 98.040 56.640 172.440 102.600 148.320 89.640 42.000921 34.320 81.840 46.560 144.600 84.000 125.520 73.800 34.680922 39.720 95.040 54.960 168.120 101.880 143.520 87.360 40.560923 35.280 83.880 47.760 147.240 86.040 127.800 75.120 35.400924 35.520 85.440 48.480 154.560 87.360 130.200 76.200 36.240930 35.160 84.120 48.120 151.920 87.840 127.680 76.560 35.640931 42.600 100.200 57.840 175.200 106.320 152.160 92.040 42.600932 34.080 80.040 45.360 154.440 81.480 127.560 72.360 33.960933 34.440 83.160 46.440 146.760 84.720 127.800 74.400 34.320934 35.040 82.440 47.160 154.440 85.560 126.000 75.000 35.400935 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440936 38.160 91.320 51.600 163.560 95.160 138.720 82.080 38.760937 35.880 83.640 48.480 154.440 87.360 129.360 77.040 36.240938 37.320 88.200 51.240 156.360 92.280 134.280 80.400 37.800939 31.920 77.640 43.680 142.440 80.160 119.280 70.320 32.640940 38.880 93.360 52.800 162.480 96.840 142.440 83.400 39.720941 39.120 92.280 52.440 161.280 95.520 140.280 83.280 39.000942 33.840 81.720 46.200 148.800 84.360 122.760 73.680 34.080943 35.400 83.160 47.760 154.440 86.520 127.320 75.720 35.760944 42.720 99.840 58.800 173.280 106.680 151.800 92.040 43.200945 34.800 83.040 47.040 148.800 87.240 125.520 75.720 35.880946 35.040 84.240 47.400 150.360 85.680 130.560 75.360 35.160947 33.000 80.040 45.240 148.800 82.800 123.240 71.640 33.720948 36.600 87.240 49.920 156.360 89.880 132.960 78.480 37.440949 36.840 90.000 49.560 158.640 91.680 137.400 80.520 36.720950 38.160 89.880 52.920 161.280 97.680 138.000 86.040 39.720951 39.360 94.440 53.760 165.120 96.240 145.560 85.200 39.480952 36.840 90.000 49.560 160.200 91.680 138.600 80.520 36.720953 34.440 81.480 46.440 145.320 84.720 125.400 73.680 34.320954 34.800 83.280 47.760 148.800 87.000 125.280 75.000 35.640955 36.480 88.440 49.560 155.520 90.840 134.760 79.680 36.720956 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440957 34.440 83.160 46.440 148.080 84.720 127.800 74.400 34.320958 34.680 83.040 47.760 154.560 86.040 128.400 74.760 34.320959 39.120 93.120 53.040 162.000 95.520 141.960 83.400 39.360960 31.920 78.360 43.680 144.120 80.160 120.480 70.320 32.640961 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160970 38.400 90.360 52.200 158.280 95.280 137.160 82.080 39.000


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971 36.960 86.880 50.160 156.000 90.480 133.560 78.960 37.440973 36.120 84.000 48.120 156.000 87.360 129.960 77.160 36.120974 35.760 85.560 48.960 150.720 89.520 131.160 76.800 36.120975 35.520 84.000 48.120 147.720 87.840 129.840 75.360 35.760976 35.160 84.960 48.120 154.920 87.840 127.680 76.560 35.640977 41.040 96.840 56.640 169.800 105.480 146.280 90.000 42.720978 30.600 75.360 42.000 141.240 76.920 115.800 67.560 31.440979 34.440 83.040 46.560 148.800 86.400 125.520 75.000 35.160980 34.680 82.560 47.040 146.040 85.680 126.720 74.520 35.160981 35.520 85.440 48.360 150.600 88.560 129.840 76.800 35.880991 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640992 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640993 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640994 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640995 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640996 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640999 44.520 103.920 59.760 179.280 110.280 156.600 96.000 44.640


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Premium Town240 125 125 125 125 125 125 125 125 300 187 187 187 187 187 187 187 187 302 139 139 139 139 139 139 139 139 303 226 226 226 226 226 226 226 226 304 149 149 149 149 149 149 149 149 310 120 120 120 120 120 120 120 120 311 123 123 123 123 123 123 123 123 312 129 129 129 129 129 129 129 129 313 129 129 129 129 129 129 129 129 314 129 129 129 129 129 129 129 129 315 121 121 121 121 121 121 121 121 316 111 111 111 111 111 111 111 111 317 135 135 135 135 135 135 135 135 318 114 114 114 114 114 114 114 114 319 115 115 115 115 115 115 115 115 320 139 139 139 139 139 139 139 139 321 156 156 156 156 156 156 156 156 322 114 114 114 114 114 114 114 114 330 109 109 109 109 109 109 109 109 331 123 123 123 123 123 123 123 123 332 122 122 122 122 122 122 122 122 333 114 114 114 114 114 114 114 114 334 139 139 139 139 139 139 139 139 335 111 111 111 111 111 111 111 111 336 122 122 122 122 122 122 122 122 337 132 132 132 132 132 132 132 132 338 137 137 137 137 137 137 137 137 339 114 114 114 114 114 114 114 114 340 121 121 121 121 121 121 121 121 341 122 122 122 122 122 122 122 122 342 129 129 129 129 129 129 129 129 343 121 121 121 121 121 121 121 121 344 111 111 111 111 111 111 111 111 370 110 110 110 110 110 110 110 110 371 119 119 119 119 119 119 119 119 400 177 177 177 177 177 177 177 177 402 127 127 127 127 127 127 127 127 403 149 149 149 149 149 149 149 149 410 112 112 112 112 112 112 112 112 411 110 110 110 110 110 110 110 110 412 108 108 108 108 108 108 108 108 420 121 121 121 121 121 121 121 121 421 125 125 125 125 125 125 125 125 422 102 102 102 102 102 102 102 102 423 102 102 102 102 102 102 102 102 424 106 106 106 106 106 106 106 106 425 118 118 118 118 118 118 118 118 430 99 99 99 99 99 99 99 99 431 101 101 101 101 101 101 101 101 432 100 100 100 100 100 100 100 100 433 99 99 99 99 99 99 99 99


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town434 111 111 111 111 111 111 111 111 435 114 114 114 114 114 114 114 114 436 113 113 113 113 113 113 113 113 437 110 110 110 110 110 110 110 110 440 99 99 99 99 99 99 99 99 441 108 108 108 108 108 108 108 108 442 113 113 113 113 113 113 113 113 443 110 110 110 110 110 110 110 110 444 101 101 101 101 101 101 101 101 445 120 120 120 120 120 120 120 120 470 109 109 109 109 109 109 109 109 471 109 109 109 109 109 109 109 109 472 109 109 109 109 109 109 109 109 473 110 110 110 110 110 110 110 110 474 111 111 111 111 111 111 111 111 475 99 99 99 99 99 99 99 99 476 120 120 120 120 120 120 120 120 477 108 108 108 108 108 108 108 108 478 111 111 111 111 111 111 111 111 479 108 108 108 108 108 108 108 108 480 111 111 111 111 111 111 111 111 481 108 108 108 108 108 108 108 108 482 112 112 112 112 112 112 112 112 483 107 107 107 107 107 107 107 107 484 108 108 108 108 108 108 108 108 490 109 109 109 109 109 109 109 109 491 114 114 114 114 114 114 114 114 492 109 109 109 109 109 109 109 109 493 120 120 120 120 120 120 120 120 494 113 113 113 113 113 113 113 113 495 108 108 108 108 108 108 108 108 496 111 111 111 111 111 111 111 111 497 113 113 113 113 113 113 113 113 510 119 119 119 119 119 119 119 119 511 112 112 112 112 112 112 112 112 512 110 110 110 110 110 110 110 110 513 113 113 113 113 113 113 113 113 514 113 113 113 113 113 113 113 113 530 113 113 113 113 113 113 113 113 531 107 107 107 107 107 107 107 107 532 110 110 110 110 110 110 110 110 533 109 109 109 109 109 109 109 109 534 108 108 108 108 108 108 108 108 570 107 107 107 107 107 107 107 107 571 108 108 108 108 108 108 108 108 573 110 110 110 110 110 110 110 110 574 112 112 112 112 112 112 112 112 576 111 111 111 111 111 111 111 111 577 108 108 108 108 108 108 108 108 578 111 111 111 111 111 111 111 111 580 107 107 107 107 107 107 107 107


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town581 107 107 107 107 107 107 107 107 582 111 111 111 111 111 111 111 111 600 137 137 137 137 137 137 137 137 601 146 146 146 146 146 146 146 146 602 177 177 177 177 177 177 177 177 603 177 177 177 177 177 177 177 177 604 155 155 155 155 155 155 155 155 605 118 118 118 118 118 118 118 118 606 149 149 149 149 149 149 149 149 607 125 125 125 125 125 125 125 125 608 120 120 120 120 120 120 120 120 610 113 113 113 113 113 113 113 113 611 116 116 116 116 116 116 116 116 612 109 109 109 109 109 109 109 109 613 111 111 111 111 111 111 111 111 614 118 118 118 118 118 118 118 118 615 124 124 124 124 124 124 124 124 616 109 109 109 109 109 109 109 109 617 105 105 105 105 105 105 105 105 618 116 116 116 116 116 116 116 116 619 132 132 132 132 132 132 132 132 620 109 109 109 109 109 109 109 109 621 110 110 110 110 110 110 110 110 622 123 123 123 123 123 123 123 123 623 139 139 139 139 139 139 139 139 624 132 132 132 132 132 132 132 132 625 121 121 121 121 121 121 121 121 626 125 125 125 125 125 125 125 125 630 98 98 98 98 98 98 98 98 631 108 108 108 108 108 108 108 108 632 112 112 112 112 112 112 112 112 633 112 112 112 112 112 112 112 112 634 125 125 125 125 125 125 125 125 635 119 119 119 119 119 119 119 119 636 108 108 108 108 108 108 108 108 637 115 115 115 115 115 115 115 115 638 100 100 100 100 100 100 100 100 639 99 99 99 99 99 99 99 99 640 108 108 108 108 108 108 108 108 641 132 132 132 132 132 132 132 132 642 110 110 110 110 110 110 110 110 643 111 111 111 111 111 111 111 111 644 109 109 109 109 109 109 109 109 645 105 105 105 105 105 105 105 105 646 129 129 129 129 129 129 129 129 647 108 108 108 108 108 108 108 108 648 110 110 110 110 110 110 110 110 649 119 119 119 119 119 119 119 119 650 108 108 108 108 108 108 108 108 651 118 118 118 118 118 118 118 118 652 119 119 119 119 119 119 119 119


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town670 111 111 111 111 111 111 111 111 671 109 109 109 109 109 109 109 109 672 98 98 98 98 98 98 98 98 673 107 107 107 107 107 107 107 107 674 108 108 108 108 108 108 108 108 702 126 126 126 126 126 126 126 126 703 151 151 151 151 151 151 151 151 710 139 139 139 139 139 139 139 139 711 133 133 133 133 133 133 133 133 712 133 133 133 133 133 133 133 133 713 114 114 114 114 114 114 114 114 714 142 142 142 142 142 142 142 142 715 112 112 112 112 112 112 112 112 716 127 127 127 127 127 127 127 127 717 177 177 177 177 177 177 177 177 718 150 150 150 150 150 150 150 150 719 118 118 118 118 118 118 118 118 720 111 111 111 111 111 111 111 111 721 135 135 135 135 135 135 135 135 730 137 137 137 137 137 137 137 137 731 118 118 118 118 118 118 118 118 732 119 119 119 119 119 119 119 119 733 112 112 112 112 112 112 112 112 734 122 122 122 122 122 122 122 122 735 139 139 139 139 139 139 139 139 736 107 107 107 107 107 107 107 107 737 109 109 109 109 109 109 109 109 738 108 108 108 108 108 108 108 108 739 113 113 113 113 113 113 113 113 740 118 118 118 118 118 118 118 118 741 125 125 125 125 125 125 125 125 742 107 107 107 107 107 107 107 107 743 118 118 118 118 118 118 118 118 802 320 320 320 320 320 320 320 320 803 216 216 216 216 216 216 216 216 810 164 164 164 164 164 164 164 164 815 124 124 124 124 124 124 124 124 816 185 185 185 185 185 185 185 185 817 200 200 200 200 200 200 200 200 818 209 209 209 209 209 209 209 209 819 281 281 281 281 281 281 281 281 820 306 306 306 306 306 306 306 306 821 206 206 206 206 206 206 206 206 822 150 150 150 150 150 150 150 150 823 224 224 224 224 224 224 224 224 824 306 306 306 306 306 306 306 306 900 158 158 158 158 158 158 158 158 902 131 131 131 131 131 131 131 131 910 109 109 109 109 109 109 109 109 911 118 118 118 118 118 118 118 118 912 120 120 120 120 120 120 120 120


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town913 123 123 123 123 123 123 123 123 914 122 122 122 122 122 122 122 122 915 116 116 116 116 116 116 116 116 916 119 119 119 119 119 119 119 119 917 110 110 110 110 110 110 110 110 918 122 122 122 122 122 122 122 122 919 121 121 121 121 121 121 121 121 920 107 107 107 107 107 107 107 107 921 108 108 108 108 108 108 108 108 922 133 133 133 133 133 133 133 133 923 115 115 115 115 115 115 115 115 924 110 110 110 110 110 110 110 110 930 113 113 113 113 113 113 113 113 931 129 129 129 129 129 129 129 129 932 112 112 112 112 112 112 112 112 933 109 109 109 109 109 109 109 109 934 112 112 112 112 112 112 112 112 935 114 114 114 114 114 114 114 114 936 119 119 119 119 119 119 119 119 937 110 110 110 110 110 110 110 110 938 109 109 109 109 109 109 109 109 939 108 108 108 108 108 108 108 108 940 121 121 121 121 121 121 121 121 941 111 111 111 111 111 111 111 111 942 111 111 111 111 111 111 111 111 943 118 118 118 118 118 118 118 118 944 128 128 128 128 128 128 128 128 945 111 111 111 111 111 111 111 111 946 107 107 107 107 107 107 107 107 947 107 107 107 107 107 107 107 107 948 112 112 112 112 112 112 112 112 949 109 109 109 109 109 109 109 109 950 129 129 129 129 129 129 129 129 951 118 118 118 118 118 118 118 118 952 109 109 109 109 109 109 109 109 953 111 111 111 111 111 111 111 111 954 112 112 112 112 112 112 112 112 955 111 111 111 111 111 111 111 111 956 107 107 107 107 107 107 107 107 957 109 109 109 109 109 109 109 109 958 113 113 113 113 113 113 113 113 959 119 119 119 119 119 119 119 119 960 109 109 109 109 109 109 109 109 961 114 114 114 114 114 114 114 114 970 114 114 114 114 114 114 114 114 971 118 118 118 118 118 118 118 118 973 119 119 119 119 119 119 119 119 974 109 109 109 109 109 109 109 109 975 109 109 109 109 109 109 109 109 976 111 111 111 111 111 111 111 111 977 122 122 122 122 122 122 122 122


Base Rate Pages

Rate Class

10 17 18 20 21 25 26 30



Premium Town978 110 110 110 110 110 110 110 110 979 110 110 110 110 110 110 110 110 980 111 111 111 111 111 111 111 111 981 108 108 108 108 108 108 108 108 991 127 127 127 127 127 127 127 127 992 127 127 127 127 127 127 127 127 993 127 127 127 127 127 127 127 127 994 127 127 127 127 127 127 127 127 995 127 127 127 127 127 127 127 127 996 127 127 127 127 127 127 127 127 999 127 127 127 127 127 127 127 127







6. Apply discounts/factor in the following order: motorcycle training, anti-theft, senior citizen, household, loyalty plus, multi-car, account, group, marketing partner, green, clean in three;

7. Apply merit rating; 8. Apply paid in full. 9. Add Motorcycle Accessory Coverage premium. 108. Apply Accident Forgiveness 9. Apply Paid in Full and Green (Pay Plan) Discounts. 10. Add Motorcycle Accessory Coverage premium.








Barnstable

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

Franklin







Territory Group A

Group B

Group C

Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $8 $14 $16 $11 $13 $1314 1 $1 $1 $1 $1 $1 $1 2 $8 $13 $15 $11 $12 $12 2 $1 $1 $1 $1 $1 $1 3 $8 $14 $16 $11 $13 $1314 3 $1 $1 $1 $1 $1 $1 4 $11 $18 $21 $15 $17 $1718 4 $1 $1 $1 $1 $1 $1 5 $10 $17 $19 $13 $15 $1516 5 $1 $1 $1 $1 $1 $1 6 $13 $20 $23 $15 $17 $1718 6 $1 $1 $1 $1 $1 $1 7 $12 $19 $22 $15 $17 $1718 7 $1 $1 $1 $1 $1 $1 8 $12 $18 $21 $15 $17 $1718 8 $1 $1 $1 $1 $1 $1 9 $13 $20 $23 $16 $18 $1819 9 $1 $1 $1 $1 $1 $1

10 $17 $28 29 $32 33 $21 $2526 $2324 10 $1 $2 $2 $2 $23 $23 11 $16 $27 28 $31 32 $21 $2526 $2324 11 $1 $2 $2 $1 $1 $1 12 $17 $29 30 $33 34 $22 $2627 $2425 12 $1 $2 $2 $2 $23 $23 13 $18 $32 33 $36 37 $25 26 $2930 $2728 13 $1 $2 $2 $2 $23 $23 14 $19 $33 34 $38 39 $25 26 $3031 $2829 14 $1 $2 $2 $2 $23 $23 15 $34 35 $54 55 $62 63 $43 44 $5051 $4850 15 $2 3 $4 5 $4 5 $3 4 $34 $34 16 $40 41 $62 63 $71 72 $49 50 $5758 $5557 16 $2 3 $4 5 $4 5 $4 5 $45 $46 17 $35 36 $56 57 $64 65 $45 46 $5253 $5052 17 $2 3 $4 5 $4 5 $3 4 $34 $34 18 $35 36 $56 57 $64 65 $45 46 $5253 $5052 18 $2 3 $4 5 $4 5 $3 4 $34 $34 19 $35 36 $56 57 $64 65 $45 46 $5253 $5052 19 $2 3 $4 5 $4 5 $3 4 $34 $34 20 $35 36 $56 57 $64 65 $45 46 $5253 $5052 20 $2 3 $4 5 $4 5 $3 4 $34 $34 21 $35 36 $56 57 $64 65 $45 46 $5253 $5052 21 $2 3 $4 5 $4 5 $3 4 $34 $34 22 $35 36 $56 57 $64 65 $45 46 $5253 $5052 22 $2 3 $4 5 $4 5 $3 4 $34 $34 23 $3536 $56 57 $64 65 $45 46 $5253 $5052 23 $2 3 $4 5 $4 5 $3 4 $34 $34 24 $35 36 $56 57 $64 65 $45 46 $5253 $5052 24 $2 3 $4 5 $4 5 $3 4 $34 $34 25 $35 36 $56 57 $64 65 $45 46 $5253 $5052 25 $2 3 $4 5 $4 5 $3 4 $34 $34 26 $35 36 $56 57 $64 65 $45 46 $5253 $5052 26 $2 3 $4 5 $4 5 $3 4 $34 $34 27 $7 $11 $12 $9 $10 $10 27 $1 $1 $1 $1 $1 $1 40 $18 $30 31 $34 35 $24 $2829 $2627 40 $1 $2 $2 $2 $23 $23 41 $19 $33 34 $38 39 $25 26 $3031 $2829 41 $1 $2 $2 $2 $23 $23 42 $34 35 $54 55 $62 63 $43 44 $5051 $4850 42 $2 3 $4 5 $4 5 $3 4 $34 $34 43 $35 36 $55 56 $63 64 $44 45 $5152 $4951 43 $2 3 $4 5 $4 5 $3 4 $34 $34 44 $39 40 $62 63 $71 72 $48 49 $5657 $5456 44 $2 3 $4 5 $4 5 $45 $45 $46 45 $34 35 $54 55 $62 63 $43 44 $5051 $4850 45 $2 3 $4 5 $4 5 $3 4 $34 $34

Notes:





Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.



MOTORCYCLE RATES





Territory Group A

Group B

Group C Group D

Group E

Group F

Territory Group A

Group B

Group C

Group D

Group E

Group F

1 $10 $15 $17 $12 $14 $1415 1 $2 $4 $4 $5 $5 $5 2 $9 $13 $15 $11 $13 $1314 2 $2 $4 $4 $5 $5 $5 3 $10 $15 $17 $11 $13 $1314 3 $2 $4 $4 $5 $5 $5 4 $13 $21 $24 $15 $17 $1718 4 $3 $5 $5 $6 $6 $6 5 $12 $19 $22 $13 $15 $1516 5 $3 $5 $5 $6 $6 $6 6 $13 $21 $24 $16 $18 $1819 6 $3 $5 $5 $7 $7 $7 7 $13 $21 $24 $15 $17 $1718 7 $3 $5 $5 $7 $7 $7 8 $13 $21 $24 $15 $17 $1718 8 $3 $5 $5 $6 $6 $6 9 $13 $21 $24 $16 $18 $1819 9 $3 $5 $5 $7 $7 $7

10 $17 $30 31 $34 35 $21 $2526 $2324 10 $4 $8 $8 $9 $9 $9 11 $16 $29 30 $33 34 $21 $2526 $2324 11 $4 $7 $7 $8 $8 $8 12 $18 $31 32 $35 36 $22 $2627 $2425 12 $5 $8 $8 $9 $9 $9 13 $19 $32 33 $37 38 $24 $2829 $2627 13 $5 $8 $8 $10 $10 $10 14 $21 $32 33 $37 38 $25 26 $3031 $2829 14 $5 $8 $8 $11 $11 $11 15 $26 27 $32 33 $37 38 $30 31 $3536 $3334 15 $8 $15 $15 $17 $17 $1718 16 $26 27 $32 33 $37 38 $30 31 $3536 $3334 16 $8 $17 $17 $20 $20 $2021 17 $26 27 $32 33 $37 38 $30 31 $3536 $3334 17 $8 $15 $15 $17 $17 $1718 18 $26 27 $32 33 $37 38 $30 31 $3536 $3334 18 $8 $15 $15 $17 $17 $1718 19 $26 27 $32 33 $37 38 $30 31 $3536 $3334 19 $8 $15 $15 $17 $17 $1718 20 $26 27 $32 33 $37 38 $30 31 $3536 $3334 20 $8 $15 $15 $17 $17 $1718 21 $26 27 $32 33 $37 38 $30 31 $3536 $3334 21 $8 $15 $15 $17 $17 $1718 22 $26 27 $32 33 $37 38 $30 31 $3536 $3334 22 $8 $15 $15 $17 $17 $1718 23 $26 27 $32 33 $37 38 $30 31 $3536 $3334 23 $8 $15 $15 $17 $17 $1718 24 $26 27 $32 33 $37 38 $30 31 $3536 $3334 24 $8 $15 $15 $17 $17 $1718 25 $26 27 $32 33 $37 38 $30 31 $3536 $3334 25 $8 $15 $15 $17 $17 $1718 26 $26 27 $32 33 $37 38 $30 31 $3536 $3334 26 $8 $15 $15 $17 $17 $1718 27 $8 $12 $14 $10 $11 $11 27 $2 $3 $3 $4 $4 $4 40 $19 $32 33 $36 37 $23 $2728 $2526 40 $5 $8 $8 $10 $10 $10 41 $21 $32 33 $37 38 $25 26 $3031 $2829 41 $5 $8 $8 $11 $11 $11 42 $26 27 $32 33 $37 38 $30 31 $3536 $3334 42 $8 $15 $15 $17 $17 $1718 43 $26 27 $32 33 $37 38 $30 31 $3536 $3334 43 $8 $15 $15 $17 $17 $1718 44 $26 27 $32 33 $37 38 $30 31 $3536 $3334 44 $8 $17 $17 $19 $19 $1920 45 $26 27 $32 33 $37 38 $30 31 $3536 $3334 45 $8 $15 $15 $16 $16 $1617

Notes:



Group Vehicle size

A 0 c.c. to 350 c.c.

B 351 c.c. to500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c to 1250 c.c

F Over 1250 c.c.



MOTORCYCLE RATES




Territory Group A


1 $8 $12 $15 $11 $12 $11

2

$8 $12 $15 $11 $12 $11

3 $10 $14 $17 $12 $15 $12

4

$10 $15 $18 $12 $15 $12

5 $10 $15 $18 $12 $15 $12

6

$11 $17 $20 $13 $16 $13

7 $11 $17 $20 $13 $16 $13

8

$11 $17 $20 $13 $16 $13

9 $14 $20 $24 $16 $19 $16

10

$13 $20 $23 $15 $18 $15

11 $14 $20 $24 $16 $19 $16

12 $17 $29 $33 $22 $26 $22

13 $16 $25 $29 $19 $22 $19

14 $17 $28 $32 $21 $25 $21

15 $19 $30 $35 $23 $27 $23

16 $20 $31 $36 $24 $28 $24

17 $26 $40 $47 $32 $37 $32

18

$26 $40 $47 $32 $37 $32

19 $26 $40 $47 $32 $37 $32

20

$26 $40 $47 $32 $37 $32

21 $26 $40 $47 $32 $37 $32

22

$26 $40 $47 $32 $37 $32

23 $26 $40 $47 $32 $37 $32

24

$26 $40 $47 $32 $37 $32

25 $26 $40 $47 $32 $37 $32

26 $26 $40 $47 $32 $37 $32

27 $8 $12 $15 $11 $12 $11

40 $14 $20 $24 $16 $19 $16

41 $20 $31 $36 $24 $28 $24

42 $20 $31 $36 $24 $28 $24

43 $21 $32 $37 $25 $29 $25

44 $20 $31 $36 $24 $28 $24

45 $20 $32 $37 $24 $28 $24

Notes:





Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.




Rates by limit

All Territories


500 $8487 $8488 $98105 $8993 $8995 $8487 750 $96100 $96101 $111119 $101105 $101108 $96100

1000 $105109 $105110 $121129 $110114 $110118 $105109 2000 $143149 $143150 $165177 $150156 $150161 $143149 5000 $230239 $230242 $267286 $242252 $242259 $230239

10000 $372387 $372391 $430460 $391407 $391418 $372387 15000 $458476 $458481 $531568 $482501 $482516 $458476 20000 $526547 $526552 $609652 $553575 $553592 $526547 25000 $559581 $559587 $647692 $588612 $588629 $559581 50000 $584607 $584613 $676723 $614639 $614657 $584607


Rates by limit

All Territories


None $0 $0 $0 $0 $0 $0 20/40 $21 $21 $21 $21 $21 $21 20/50 $21 $21 $21 $21 $21 $21 25/50 $21 $21 $21 $21 $21 $21 25/60 $22 $22 $22 $22 $22 $22 35/80 $24 $24 $24 $24 $24 $24

50/100 $26 $26 $26 $26 $26 $26 100/300 $31 $31 $31 $31 $31 $31 250/500 $37 $37 $37 $37 $37 $37 500/500 $48 $48 $48 $48 $48 $48

500/1000 $57 $57 $57 $57 $57 $57


Rates by limit

All Territories


None $0 $0 $0 $0 $0 $0 20/40 $0 $0 $0 $0 $0 $0 20/50 $1 $1 $1 $1 $1 $1 25/50 $7 $7 $7 $7 $7 $7 25/60 $7 $7 $7 $7 $7 $7 35/80 $2021 $2021 $2021 $2021 $2021 $2021

50/100 $3839 $3839 $3839 $3839 $3839 $3839 100/300 $8689 $8689 $8689 $8689 $8689 $8689 250/500 $237244 $237244 $237244 $237244 $237244 $237244 500/500 $433446 $433446 $433446 $433446 $433446 $433446

500/1000 $629648 $629648 $629648 $629648 $629648 $629648

Group Vehicle Size

A 0 c.c. to 350 c.c. B 351 c.c. to 500 c.c.

C 501 c.c. to 650 c.c.

D 651 c.c. to 850 c.c.

E 851 c.c. to 1250 c.c.

F Over 1250 c.c.




MOTORCYCLE RATES







A Goup

B Group C Group

D Goup



2 $1.341.42 $1.20 $1.471.56 $1.40 $1.401.48 $1.271.26 3 $1.511.60 $1.36 $1.661.76 $1.59 $1.591.69 $1.431.42 4 $1.651.75 $1.48 $1.811.92 $1.73 $1.731.83 $1.561.54 Part 7 - Collision

5 $1.912.02 $1.72 $2.102.23 $2.01 $2.012.13 $1.821.80 Waiver of Deductible Charges

6 $1.741.84 $1.56 $1.912.02 $1.83 $1.831.94 $1.651.63 7 $1.841.95 $1.66 $2.022.14 $1.93 $1.932.05 $1.751.73 All Territories 8 $2.122.25 $1.91 $2.342.48 $2.23 $2.232.36 $2.022.00 Deductible All Groups 9 $2.202.33 $1.98 $2.422.57 $2.31 $2.312.45 $2.092.07 $300 $8 10 $2.392.53 $2.15 $2.632.79 $2.51 $2.512.66 $2.272.25 $500 $12 11 $2.102.23 $1.89 $2.302.44 $2.20 $2.202.33 $1.991.97 $1,000 $16 12 $2.762.93 $2.49 $3.043.22 $2.90 $2.903.07 $2.632.60 $2,000 $24 13 $2.853.02 $2.56 $3.133.32 $2.99 $2.993.17 $2.702.67 14 $5.145.45 $4.63 $5.666.00 $5.40 $5.405.72 $4.894.84 15 $5.175.48 $4.65 $5.696.03 $5.43 $5.435.76 $4.914.86 16 $5.205.51 $4.68 $5.726.06 $5.46 $5.465.79 $4.944.89

17 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 Part 8 - Limited Collision 18 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 19 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 $500 deductible base premium (Part 8) =

20 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 (6.0%8.0%) x [$500 deductible Collision base premium (Part 7)]

21 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32 Deductible All Groups





26 $4.594.87 $4.13 $5.055.35 $4.82 $4.825.11 $4.364.32

27 $1.231.30 $1.10 $1.351.43 $1.29 $1.291.37 $1.161.15 Age


Year Age Rate

Factor

40 $3.253.45 $2.92 $3.573.78 $3.41 $3.413.61 $3.093.06 1 Current MY 1.00

41 $2.893.06 $2.60 $3.183.37 $3.04 $3.043.22 $2.752.72 2 1st preceding 0.93

42 $3.703.92 $3.33 $4.074.31 $3.88 $3.884.11 $3.513.47 3 2nd preceding 0.86

43 $5.325.64 $4.78 $5.856.20 $5.58 $5.585.91 $5.055.00 4 3rd preceding 0.79

44 $3.934.17 $3.54 $4.334.59 $4.13 $4.134.38 $3.743.70 5 4th preceding 0.72

45 $4.624.90 $4.16 $5.085.38 $4.85 $4.855.14 $4.394.35 6 5th preceding 0.65










MOTORCYCLE RATES




Territory Group A

Group B

Group C

Group D

Group E

Group F


1 $0.900.94 $0.73 $0.981.03 $0.90 $0.900.94 $0.730.71 $300 $500 deductible premium + $4



4 $1.001.05 $0.82 $1.091.14 $1.00 $1.001.05 $0.820.79

5 $1.031.08 $0.84 $1.121.18 $1.03 $1.031.08 $0.840.82

6 $1.221.28 $1.00 $1.331.40 $1.22 $1.221.28 $1.000.97

7 $1.451.53 $1.19 $1.591.66 $1.45 $1.451.53 $1.191.15

8 $1.861.95 $1.52 $2.032.13 $1.86 $1.861.95 $1.521.47

9 $1.621.71 $1.33 $1.771.86 $1.62 $1.621.71 $1.331.29

10 $2.052.15 $1.68 $2.232.35 $2.05 $2.052.15 $1.681.63 Fire Charge 5% of the motorcycle Comprehensive premium

11 $1.982.08 $1.62 $2.162.27 $1.98 $1.982.08 $1.621.57 Theft Charge 90% of the motorcycle Comprehensive premium

12 $2.512.64 $2.06 $2.742.88 $2.51 $2.512.64 $2.061.99

13 $2.322.44 $1.90 $2.532.66 $2.32 $2.322.44 $1.901.84 TOWING AND LABOR (RULE 33)

14 $3.173.33 $2.59 $3.463.63 $3.17 $3.173.33 $2.592.52 $50 per Disablement $100 per

Disablement

15 $3.773.96 $3.09 $4.124.32 $3.77 $3.773.96 $3.093.00 $8 $16

16 $5.695.98 $4.66 $6.216.52 $5.69 $5.695.98 $4.664.52

17 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

18 $5.866.16 $4.80 $6.405.72 $5.86 $5.866.16 $4.804.65 SUBSTITUTE TRANSPORTATION (RULE 17)

19 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $15/Day, $450 Maximum $30/Day, $900 Maximum

20 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $4547 $9095

21 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

22 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $45/Day, $1,350


Maximum

23 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 $167175 $346363

24 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65

25 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 Age Group Motorcycle Age Based on

Model Year Age Rate

Factor

26 $5.866.16 $4.80 $6.406.72 $5.86 $5.866.16 $4.804.65 1 Current MY 1.00

27 $0.820.86 $0.67 $0.890.94 $0.82 $0.820.86 $0.670.65 2 1st preceding 0.91

40 $2.342.46 $1.92 $2.552.68 $2.34 $2.342.46 $1.921.86 3 2nd preceding 0.81

41 $2.502.63 $2.05 $2.732.87 $2.50 $2.502.63 $2.051.99 4 3rd preceding 0.72

42 $3.483.66 $2.85 $3.803.99 $3.48 $3.483.66 $2.852.76 5 4th preceding 0.62

43 $3.583.76 $2.93 $3.914.10 $3.58 $3.583.76 $2.932.84 6 5th preceding 0.53

44 $5.675.96 $4.64 $6.196.50 $5.67 $5.675.96 $4.644.50 7 6th preceding 0.44

45 $3.623.80 $2.96 $3.954.15 $3.62 $3.623.80 $2.962.88 8 All Other 0.34





















$45/Day, $1,350


Private Passenger: $25$26 $64$66 $144$148 $309$318 Motorcycle: $45$47 $90$95 $167$175 $346$363




1 Part

2 Part

3 Part

4 Part

5 Part

6 Part

7 Part

8 Part

9 Part 10

Part 11

Part 12





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Class: 17, 18 Class: 20, 21, 25, 26

10% 15%

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10% 8% 6% 3% 1% 0%




Eligibility


Definitions



Credit Awards




Using Credits





Losing Credits


a. At any time you do not have Collision

or Limited Collision coverage on at least one Auto covered by the policy;

b. You or any operator listed on your

policy is surcharged for an at-fault accident when there is no Collision or Limited Collision claim made;

c. Your deductible is waived in whole or

part by coverage in the Elite Package Endorsement; or

d. The policy cancels with a lapse in

coverage.





We will not pay damages or benefits under any Coverage Part of your policy while your auto is: with the exception of Personal Injury Protection Coverage (Part 2), while your auto is being used in a vehicle sharing program. A vehicle sharing program includes: the arrangement of the lease, rental or sharing of your auto with persons other than you or a household member for any type of compensation.




Documents

Disappearing Deductible Credits - · PDF fileDisappearing Deductible Credits This Endorsement changes the policy. Please read it carefully. ... 13 r o t c a F l e v e L xxxxxxd xxxxl