New Jersey Pre Signature Series to Signature Series Changes

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1 Pre Signature Series Signature Series Key Differences AAA Loyal Member AAA Membership This discount is calculated based on the membership tenure of the policyholder provided they are an active member of a AAA Club. Number of Years of A 5% discount is applied to a policy if AAA Membership any Percentage rated driver on the policy is a AAA Same Day 364 Days 3% member. 3% 1 5 5% 3% 6 9 7% 7% % 9% % 11% % 13% % 15% 21 years or more 20% 20% Signature Series has multiple membership related discounts. The AAA Membership is 5% regardless of tenure. The Loyalty is given for having a continuous insurance policy and/ or having continuous AAA membership Loyalty See AAA Membership for explanation of Loyal Member. This discount is applied to a policy based on the number of years the AAA membership has been active and the number of years the named insured or spouse has had a continuous auto insurance policy. For continuous auto insurance coverage, with any carrier, the customer receives up to 5% discount (1% for each year of continuous coverage.) For continuous membership, the customer receives up to 5% loyalty discount (1% for each year). For the membership loyalty discount to be applied, any rated driver can use their valid AAA membership. The membership does NOT have to be from a named insured or spouse. Payment Plan Applied if annual pay plan is selected. Applied if Annual, Semi-Annual or Quarterly pay plan is selected. There are now pay plan discounts for Semi-Annual and Quarterly plans, as well as Annual pay plans.

2 The discount will be given if ALL of the following conditions apply: Distant Student If a youthful unmarried driver resides at an educational institution over 100 road miles from the auto's place of principal garaging, the auto is rated as if the student is married. The distant student is not the named insured or spouse of the named insured; The distant student s occupation is Student The distant student temporarily lives and attends school more than 100 miles from home There are more drivers than private passenger vehicles on the policy The distant student is rated age and does not have a vehicle at school This is now an explicit discount that prints on the dec page. Additional qualifications apply. Multi-Policy A Companion Credit is available for insureds with a AAA Insurance homeowners or renters policy. A multi-policy discount is currently available for named insureds with a: AAA Insurance homeowners or renters policy AAA Life insurance policy A discount is now available for insureds with a AAA Life insurance policy. Customers can qualify for either or both portions of this discount in Signature Series. New Car This discount is not available. This discount will be applied to all vehicles with a current model year, a future model year, or immediate prior model year. The discount will be removed at renewal once the model year has aged beyond one year from term effective year. This is a new discount with Signature Series. Hybrid/Alternative Fuel Vehicle This discount is not available. This discount will be applied when the vehicle has a non-traditional fuel or technology that can be used to power an automobile. This is a new discount with Signature Series. The discount is applied automatically based on the VIN of the vehicle. teensmart A discount is available for taking an approved driver training program. The teensmart program from AdeptDriver is an interactive driver training program for teens. See manual for more information. A discount is available in Signature Series for teen insureds who complete the teensmart driver training program. See the manual for qualification criteria.

3 Claims Free This discount is not offered. Years accident free and years conviction free are used to improve Underwriting Policy Group position. This is not an explicit discount in Signature Series. Driver Performance Classification The Driver Performance Classification is based on the driving experience and driving record of all operators assigned to the vehicle. In order to qualify for the Driver Performance, all operators on the vehicle must have been licensed at least 5 years with less than 5 DMV eligibility points. not available. no longer available. New Car Added Protection This coverage is not offered. Similar to Loan/Lease coverage, New Car Added Protection is an optional coverage that pays to repair or replace an owned vehicle without a deduction for depreciation. Vehicle must be brand new to qualify. A new coverage available with Signature Series. See the manual for details. Rental Reimbursement Coverage available for additional premium. $20 limit per day at no additional cost if comprehensive and/or collision coverage is selected. Increased limits are available for additional premium. Signature Series includes Rental Reimbursement coverage at no additional cost if comprehensive and/or collision coverage is selected. Glass Plus Endorsement This endorsement amends the policy to provide the full cost of repairing windshield glass regardless of deductible at no additional premium. Coverage available for an extra charge with Signature Series. Coverage no longer available free of charge. Travel Deductible Waiver Endorsement This endorsement amends the policy to waive $500 of deductible while traveling on a trip booked through AAA at no additional premium. Coverage not available Coverage no longer available.

4 BI: Up to $250k/$500k PD: Up to $100k Comp: Up to $2,000 Coll: Up to $2,000 BI: Up to $1M PD: Up to $1M Comp: Up to $1,000 Coll: Up to $1,000 Limits and Deductibles UMBI/UIMBI: Up to $250k/$500k UMPD: Up to $100k Medical (PIP): Up to $250K Medical Ded (PIP): Up to $2,500 Extended Medical: $10K UMBI/UIMBI: Up to $1M UMPD: Up to $1M Medical (PIP): Up to $250K Medical Ded (PIP): Up to $2,500 Extended Medical: $10K Signature Series offers higher limits for BI and PD. Experience Period for Point Surcharges Surcharge for At-Fault Accidents and Violations occurring in the previous 36 months. The first minor Speeding Violation is waived. Surcharge for At-Fault Accidents and Violations occurring in the previous 33 months. The shorter experience period of Signature Series allows At-Faults and Violations to age off quicker. See the manual for chargeable accident/violation types. Accident Surcharge Waiver This waiver is not available. A newly discovered at-fault accident will be waived if the insured has been continuously insured with AAA for the last 4 years, the policy does not have any other chargeable or waived atfault accidents during the prior 33 months and the driver was listed as rated on the policy when the at-fault occurred. The Accident Surcharge Waiver is a new feature with Signature Series. Policy Driver Class Calculated using Driver Age and Marital Status Calculated using Drive Age, Marital Status, Gender and Underwriting Policy Group. Underwriting Policy Group is now a component of Driver Class Factor. Liability and Physical Damage Symbols ISO physical damage symbols are used for rating. Proprietary stat code and physical damage symbols are used for rating. Using our own proprietary stat codes allows us to update the VIN table more frequently. Household Composition Household composition is not used. This factor is calculated automatically using the following variables: homeownership, number of drivers under the rated age of 25, number of vehicles, number of drivers, and the Policy Group This is an advance rating variable used in Signature Series. Driver Averaging A driver is assigned to each vehicle and rating occurs using the characteristics of the highest rated driver on the car. All drivers available for rating are averaged All driver characteristics are averaged across listed vehicles.

5 Underwriting Policy Group Components driver activity and experience. Insurance Score is applied through discount/surcharge approach. Grouped into 6 tiers. Many components including Insurance Score, driver activity and others filed confidentially with the NJ Insurance Department. Grouped into 10 Policy Groups from J to A, with J being the most preferred group. J is the most preferred group, A is the least preferred group. Additional confidential components add a level of pricing sophistication that allow us to compete with preferred carriers. Terms Available 12 month 6 and 12 month A 6 month term is now available with Signature Series. Fees Installment: $5 Bill; $2.50 Autopay (Reoccuring CC no fee for EFT) NSF: None SR: None Reinstate: None Installment: $5 Bill; $2 AutoPay (reoccurring CC or EFT) NSF: $15 SR: $25 Reinstate: $20 Signature Series charges fees for Nonsufficient Funds, Financial Responsibility Filing and Reinstatements SR-22 Surcharge None. This surcharge applies to any rated driver who requires a SR22. This is a driver level surcharge.

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