AAA (Interinsurance Exchange of the Automobile Club) - NAIC 15598

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1 Insurer 21st Century Insurance - NAIC (877) (Consumer Contact) A Superior driver discount of 10% and 20% is available where the risk has been accident and violation free for 4 years and 5 years respectively. If the years since the accident/violation conviction date is greater than 1, aging of points goes into effect and could result in a lower surcharge. A mixed policy discount is available for good/non-good driver households where one or more of the listed driver has been rated as a good driver for at least 36 months. Example # 9 & 18 would be declined because youthful drivers (under 3 years licensed) are accepted on parent s policy only. For Example 37 company's driver assignment rules result in the youthful driver being assigned to vehicle1. AAA (Interinsurance Exchange of the Automobile Club) - NAIC (877) (Consumer Contact) Example 20: Drivers are presumed to have 45 years driving experience Example 40: Drivers presumed to have 45 years driving experience Examples 41-42: Collision deductible is $250 ($200 is not written) Examples 19,20,37-39: Multi-Car Discount applied Examples 20, 40: Mature Driver Discount applied Examples 1, 2, 9-11, 18, 21, 22, 29-30: Good Student Discount applied to drivers licensed less than 7 years. Examples 1-42: Garaging Discount of up to 5.8% applied. Examples 1-42: Participation in Verified Mileage Program assumed. Access General Insurance Company - NAIC (800) (Consumer Contact) Footnotes for Consumes Non-Owner Discount (10%) Non-Smoker Discount (5%) Good Driver Discount (33%) Good Driver II Discount (5%) Limited Physical Damage Discount (10%) Page 1 of 16

2 Insurer Affirmative Insurance Company - NAIC (800) (Consumer Contact) Additional credits available include 20% Good Driver and 10% Drinking Driver Awareness. Alliance United Insurance Company - NAIC (866) (Consumer Contact) Multiple Car / Multiple Driver Discount / Surcharge Applies to Bodily Injury, Property Damage, Medical Payments, Uninsured Motorist, Collision Deductible Waiver and Physical Damage Coverage. Factors are based on the number of vehicles and drivers on the policy. Page 2 of 16

3 Insurer Allstate Northbrook Indemnity Company - NAIC (800) - ALLSTATE (Consumer Contact) Amica Mutual Insurance Company - NAIC (800) (Consumer Contact) Amica's Platinum Choice Auto product allows consumers to waive accident surcharges and/or reduce deductible payments. Contact an Amica representative for full details. Anchor General Insurance Company - NAIC (800) (Consumer Contact) For examples 1-42, the quoted Medical Payments limit is 1,000, as higher limits are not offered. For examples 21-42, the quoted BI limits are 15/30, as 100/300 is not offered. For examples 21-42, the quoted PD limits are 10, as 50 is not offered. For examples 21-42, the quoted UMBI limits are 15/30, as 30/60 is not offered. For examples 41 and 42, the quoted Comp and Coll deductibles are 250/250, as AGIC does not offer 100/200. The following examples have unacceptable vehicles and therefore, did not generate rates: 25 & 26, vehicle 2 is unacceptable 27 & 28, vehicles 2 and 4 are unacceptable 33 & 34, vehicle 4 is unacceptable 41 & 42, vehicle 2 is unacceptable 20, vehicle is unacceptable California Capital Insurance Group - NAIC (800) (Consumer Contact) Page 3 of 16

4 Insurer California Casualty Indemnity Exchange - NAIC (800) (Consumer Contact) California Casualty Insurance is primarily available to members or employees of various affinity groups or employers. In Examples 21-42, Transportation Expense Coverage with the limit of $20 per day / $600 maximum is included with no additional premium. Coast National Insurance Company - NAIC (888) (Consumer Contact) Commerce West Insurance Company - NAIC (800) (Consumer Contact) CSAA Insurance Exchange - NAIC (800) (Consumer Contact) 1) CSAA IE does not write new business with 1 Speeding ticket and 1 At Fault accident within the 3 years experience period. Hence, examples with this risk specification (e.g. Examples 1d, 2d etc.) are not rated. However, these kinds of risks may qualify under our WU program. 2) CSAA IE does not accept new business applicants who have been licensed for less than 36 months. Hence, examples #9 and #18 show "0". 3) For senior risks licensed 40+ years, it's assumed they were licensed at age 18. 4) Uninsured Motorist - Property Damage limit is not used in rating. UPD is automatically included in the UM premium, and the limit is $3,500 if there is no Collision coverage. 5) Collision deductible waiver is automatically included in UM/UPD coverage if Collision coverage is present. 6) CSAA IE does not offer $200 deductible for Collision coverage. Therefore, $250 was used in examples 41 and 42. 7) CSAA IE offers Automobile Death Benefits coverage to provide $15,000 of coverage for each insured person in the event of death as a result of bodily injury caused by accident and sustained while occupying a car or through being struck by a moving motor vehicle while not occupying a motor vehicle. For this submission, no ADB coverage is selected since it's not specified in the examples. Page 4 of 16

5 Insurer 8) CSAA IE offers discount (up to 20%) for good driver. 9) Years Activity Free (YAF) credits apply as follows: a) A reduced rate applies to a vehicle for each year within the qualifying period that the rated driver has been activity free. b) "Activity" is any moving violation conviction, principally-at-fault chargeable accident, suspended or revoked license. c) The number of Years Activity Free do not have to be consecutive. d) YAF years are based on the effective date of the policy, not calendar year. e) Drivers on new business are eligible for up to a maximum of 7 YAF credit. f) The number of Years Activity Free cannot exceed the Total Years Driving Experience. 10) Good Student discount (up to 0% - 20% depending on coverage) is available for a full-time student or graduate from a four-year college who has less than 9 years of driving experience, and meets grade point and driving record qualifications. For this submission, no good student discount is applied in examples in which a student's grades are not specified, 11) Mature Driver discount (up to 5%) is available to drivers 50 years old or older upon completing a DMV-approved Mature Driver course and meeting our driving record qualifications. For this submission, no mature driver discount is applied in examples in which there are no specific mention of completion of the mature driver improvement course. 12) A Multi-Policy discount is available when a named insured has other insurance products with CSAA (for example, homeowners insurance). Discount % (up to 28%) varies depending on the other product(s). 13) CSAA IE offers a Multi-Car discount when two or more qualifying vehicles are insured on the same policy - (discount % varies by coverage). 14) A Hybrid discount (up to 5% depending on coverage) is offered to qualified hybrid and alternative fuel vehicles with physical damage coverage. CSE Safeguard Insurance Company - NAIC (800) (Consumer Contact) Other credits - CSE Safeguard Insurance has the SAVE program, which allows you to pay based on your actual mileage driven. If you drive less than 5000 miles, the credit is 2% more than if you weren't in the SAVE program. The SAVE program does not require using an electronic device in your vehicle - you verify to us how much you have driven during the year, and pay for that. Please contact your Independent Insurance agent who works with CSE Insurance for their insight and help to provide you with the coverage you need at a good price. You may find one at our website, CSEinsurance.com. Because these premiums have no built-in credits, while many people are eligible for one or more credits, these premiums shown are probably higher than what you would obtain from our agents. Both CSE Safeguard Insurance Company and Civil Service Employees Insurance Company have programs for civil servants, including police, firefighters and teachers. We also have a number of Affinity Groups, including members of most credit unions, apartment owners associations, and Page 5 of 16

6 Insurer employees of companies regulated by the California Public Utilities Commission. Premiums for these are lower than what is shown on the premium worksheets. Towing and labor coverage is built into our CSE Safeguard Insurance Company policy We used an Uninsured Motorists limit of $50,000/$100,000 instead of $30,000/$60,000. Credits are shown as percentages. They may be applied as factors, and may only apply to certain coverages. Encompass Insurance Company - NAIC (800) (Consumer Contact) Esurance Property and Casualty Insurance Company - NAIC (800) (Consumer Contact) Footnote for Consumer Everest National Insurance Company NAIC (800) (Consumer Contact) Footnote for Consumer Explorer Insurance Company - NAIC (800) (Consumer Contact) * A 20% Good Driver discount applies to those drivers that have been continuously licensed for the past three years and have not had more than one DMV violation point during the previous three years and during the last ten years has not been convicted of Section 23140, 23152, or of the Vehicle Code, a felony or a violation of section or paragraph (3) of subdivision ( c) of Section 192 of the Penal Code with a violation date of 1/1/99 or later. Policies prior to 1/1/06, the experience period for the aformentioned violations is 7 years. For those risk profiles where less than three years of driving experience is indicated and/or the driver is rated with both an at-fault property damage accident and a speeding violation, the Good Driver discount does not apply. Page 6 of 16

7 Insurer *Renewal Discount -A discount is offered for those insureds who have been continuously insured with Explorer Insurance Company for at least 6mos. It varies by length of tenure, by coverage and by program. This discount is applied at renewal only and does not apply to risk profiles 1 through 42. Explorer American Ins. Co. has not written any business. Ins. Company of the West no longer writes auto business. *Passive Restraint Discount-Explorer Insurance Company provides a discount on policies with Medical Payments coverage for vehicles equipped with the following factory installed equipment: 1. 10% discount applies if the vehicle is equipped with both driver and passenger side automatic seatbelts % discount applies if the vehicle is equipped with a driver side only airbag % discount applies if the vehicle is equipped with both driver and passenger side airbags % discount applies if the vehicle is equipped with both driver and passenger side airbags AND driver and passenger side automatic seatbelts. In risk profiles 1-42, the quoted premium reflects a 25% Passive Restraint Discount where Medical Payment coverage is afforded. * Multi-Car Discount- This discount applies when more than one insured vehicle is garaged at the same location. In our Economy program the discount is 22%. In our Preferred program the discount amount varies by coverage and ranges from 0-19%. Universal ranges from 8-28% depending on the coverage. The Multi-Car Discount applies to risk profiles 19, 20, and Farmers Insurance Exchange/Mid-Century NAIC (800) (Consumer Contact) Some of the additional discounts we offer to consumers include: Safe Driving Discount of up to 9% Alternative Fuel Vehicle Discount of 10% Electronic Stability Control Discount of 2% Student Away at School Discount of up to 14% Good Driver Discount of 20% Federal Insurance Company (Chubb Group of Insurance Companies) - NAIC (800) (Consumer Contact) Page 7 of 16

8 Insurer Minimum limits provided for Liability only examples: $50,000 Combined Single Limit (split limits are not offered) $10,000 Medical Payments is automatically provided on the policy. $30,000 UM Limit (split limits are not offered). Full Coverage Limits Provided: $300,000 Combined Single Limit (split limits are not offered) $10,000 Medical Payments is automatically provided on the policy. $50,000 UM Limits (split limits are not offered) Financial Indemnity Company NAIC (800) Fireman's Fund Insurance Company - NAIC (866) (Consumer Contact) New Business may also qualify for Accident/Violation Free credits, based on clean driving records for either 3 or 5 years. Credit range from -3% to -10%. GEICO Companies NAIC 41491/Group 0031 *Government Employees Insurance Company NAIC 22063/Group (800) (Consumer Contact) *Please note that some of the sample auto premiums on this survey are represented by GEICO (NAIC 41494) and the other sample auto premiums are represented by Government Employees Insurance Company (NAIC 22063). Please contact the company for more information. Most consumers will qualify for lower rates than those quoted, based on eligibility for different group insurance plans. GEICO offers additional discounts: California Good Drivers with a clean driving record for 5 years qualify for an additional discount of 17%-20% New Vehicle Discount: 15% for Comp; 5% for Coll Hybrid Vehicle Discount: 5% Multi-Line Discounts: 5% or 10% for auto customers having motorcycle and/or personal umbrella policies with GEICO Loyalty/Persistency Discount: Page 8 of 16

9 Insurer As customers maintain coverage with the company, they will receive persistency discounts of up to 6% or 15% (depending on the company and coverage). Hartford Casualty Insurance Company - NAIC (800) (Consumer Contact) Horace Mann Insurance Company - NAIC (800) (Consumer Contact) Good driver discount 20%. Group Program discount 9%-10%. Horace Mann Property & Casualty - NAIC (800) (Consumer Contact) same as resubmission Good driver discount 20%. IDS Property Casualty Insurance Company - NAIC (800) (Consumer Contact) Ex: 1-20 $5,000 Medical Payments Coverage Ex 1-18 "d", 9, 18, "d", and "d" Do not meet eligibility requirements Ex $100,000 Property Damage 50/100 UM/UIM Ex 37 Son is rated as non-good student Ex 37, 38, 39, 40 "b" Company does not offer multi policy discount Ex 41 & 42 Company does not offer a $200 deductible for collision. A $250 deductible for collision was used instead. Page 9 of 16

10 Insurer DISCOUNTS: 3 year accident free, 6% and Good driver, 25% discounts - applied to ex's: 1-42 "a" and "b" and "c" and "d" Dual Airbag discount, 25% - applied to examples: 1-42 Multi-car discount, 28-32% depending upon coverage - applied to examples: 19, 20, 37, 38, 39 Infinity Property and Casualty Group - NAIC (800) - INFINITY (Consumer Contact) Good Driver 2 Discount = 21% to 25% Kemper Independence Insurance Company - NAIC (877) (Consumer Contact) Liberty Mutual Fire Insurance Company - NAIC (800) (Consumer Contact) *Examples 1-20 reflect 10,000 Property Damage as 5,000 is not available. *Examples reflect 50,00/100,000 Uninsured Motorist as 30,000/60,000 is not available. We offer discounts for the following group accounts: Affiliated Alumni Associations (17% Discount) Technical Professional (10% Discount) Other Affiliated Groups (5% Discount) We offer discounts for the following driving history: No Incidents in past 5 yrs. (5%) No Incidents in past 7 yrs. (10%) Loya Casualty Insurance Company - NAIC (800) ext (Consumer Contact) Page 10 of 16

11 Insurer Provided examples include Medical Payments coverage at $1,000 limit, we offer $500 and $1,000 limits, only. Mercury Insurance Company - NAIC 27553/Group 0660 *California Automobile Insurance Company NAIC 38342/Group 0660 (800) (Consumer Contact) *Please note that some of the sample auto premiums on this survey are represented by Mercury Insurance Company (NAIC 27553) and the other sample auto premiums are represented by California Automobile Insurance Company (NAIC 38342). Please contact the company for more information. Metropolitan Direct Property and Casualty Insurance Company - NAIC (800) (Consumer Contact) National General Insurance/Integon - NAIC (800) (Consumer Contact) Good Driver Discount 20% Occasional Operator Discount 5% Nationwide Insurance Company of America - NAIC (877) (Consumer Contact) Operators that meet the definition of Good Driver will qualify as an Elite Good Driver if the operator has had no chargeable accidents or violations in the last five years. Operators that qualify as an Elite Good Driver will receive a 15% discount in addition to the Good Driver Discount of 20% Pacific Specialty Insurance Company - NAIC (800) (Consumer Contact) Medical Payments is only up to $1,000 Minimum comprehensive deductible is $500 Page 11 of 16

12 Insurer Comprehensive and collision deductible of $500 is used for examples 41 and 42 Policies were rated on a 6 month term. No 12 month term is being offered. Permanent General Assurance Corporation NAIC (800) (Consumer Contact) Progressive West Insurance Company - NAIC (800) (Consumer Contact) Other Credits: Good Driver Discount - 20% Accident-Free Good Driver Discount (discount varies by coverage) Other Group Program Credits: USAA Members (credit varies by coverage) Qualified Business & Professional Association Members (credit varies by coverage) Qualified Emergency Roadside Assistance Group Members (credit varies by coverage) Safeco Insurance Company of America - NAIC 24740/Group 0111 *First National Insurance Company of America NAIC 24724/Group 0111 (800) or Safeco.com for an agent (Consumer Contact) *Please note that some of the sample auto premiums on this survey are represented by Safeco Insurance Company of America (NAIC 24740) and the other sample auto premiums are represented by First National Insurance Company of America (NAIC 24724). Please contact the company for more information. Safeway Insurance Company - NAIC (800) (Consumer Contact) Page 12 of 16

13 Insurer State Farm Mutual Automobile Insurance Co - NAIC (855) (Consumer Contact) Sterling Casualty Insurance Company - NAIC (800) (Consumer Contact) The rates in this survey are for Sterling Casualty's "Classic" program. All the rates quoted where limits are above 15/30/10 for Bodily Injury/Property Damage were rated at 15/30/10. Medical Payments coverage was rated with $1,000 limits. Our "Classic" program does not offer limits above $1,000. Uninsured Motorist/Bodily Injury rates reflect basic limits of 15/30. "Classic" does not offer higher UM/BI limits. For physical damage, vehicle value is covered up to $40,000. Sterling Casualty's "Classic" program offers a Mileage Verification Program (MVP), which gives a discount to customers who are willing to report their mileage at the end of each policy term. Rates for the next policy term are calculated based on the mileage actually driven. Sterling Casualty's "Vista" program offers higher limits and physical damage deductibles. "Vista" will also cover vehicle values higher than "Classic's" value limit. Topa Insurance Company - NAIC (800) (Consumer Contact) For examples 1-42, the quoted Medical Payments limit is 1,000, as higher limits are not offered. Examples 27 and 28, vehicle 4 is an unacceptable vehicle and therefore is not rated. Transguard Insurance Company of America/Occidental - NAIC (800) (Consumers Contact) Example 27d - Veh 2 not rated - vehicle value exceeds maximum allowable value for non-good Driver Example 28d - Veh 2 not rated - vehicle value exceeds maximum allowable value for non-good Driver Example 33d - Veh 4 not rated - vehicle value exceeds maximum allowable value for non-good Driver Page 13 of 16

14 Insurer Example 34d - Veh 4 not rated - vehicle value exceeds maximum allowable value for non-good Driver We do not have a persistency discount. However, we do have a renewal discount that provides an 8% discount on all coverages. This discount did not apply to any of the risks in the 2013 Auto Premium Survey since all risks were rated as new business. Travelers Insurance Group/Standard Fire - NAIC (800) (Consumer Contact) Other Available Discounts Superior (10%) Good Driver Discount is also available Our Good Driver Discount is 20% Hybrid Discount of 10% is available. United Financial Casualty Company/Progressive NAIC (800) (Consumer Contact) Drivers are assigned to vehicles based on the highest rated driver on the policy, not on the percentage of vehicle use. For example 37 (Family Risk) the premiums are based on the assignment of the father and the son, as an occasional operator, for every scenario. Plus, a Secondary Driver factor is applied because there are more drivers than vehicles. USAA/United States Automobile Association - NAIC (800) 531-USAA (8722) (Consumer Contact) The following discounts have been applied to each scenario in addition to the ones included on the "credits-options" tab: 1) New Vehicle Discount (4% - 11%) 2) Good Driver Discount (20%) Victoria Fire & Casualty (d.b.a. Titan) - NAIC (800) (Consumer Contact) Affinity Program Discount: 5% Physical Damage Permissive Use Discount: 3% COMP, BI, PD and 8% COLL Page 14 of 16

15 Insurer Titan Plus Discount: 24.1% Good Driver Discount: 20% Non-Smoker Discount: 1% Occasional Driver Discount: 2% Viking Insurance Company of Wisconsin - NAIC (800) (Consumer Contact) Viking Insurance Company of Wisconsin does not offer a multi-policy discount Viking Insurance Company of Wisconsin does not offer $100 Comprehensive Deductible. $250 is the lowest available deductible. Viking Insurance Company of Wisconsin does not offer $100 Collision Deductible. $250 is the lowest available deductible. Wawanesa General Insurance Company - NAIC (800) (Consumer Contact) The following examples do not qualify for coverage. The driver does not meet the definition of a Good Driver in the State of California: Examples 1 through 8, Sub example D. Example 9 Examples 10 through 17, Sub example D. Example 18 Examples 21 through 36, Sub example D. Examples 41 through 42, Sub example D. Coverage Deviations: For Examples 21 through 40, Wawanesa does not offer a $250 deductible for Comprehensive. A $300 deductible for Comprehensive was used instead. For Examples 37 through 40, Sub example B, Wawanesa does not offer a Multi-Policy Discount Credit Options: Wawanesa offers a Good Driver Discount of 20% when all drivers of the vehicle have been licensed for at least three years, not have been assigned a total of more than one point for accidents and/or convictions during the last three years and not have been convicted of Driving Under the Influence of drugs or alcohol during the last ten years. Wawanesa offers a Multi-Car Discount when two or more private passenger vehicles are insured under one policy. The discount amount varies by coverage. Wawanesa does not offer an Anti-Theft Discount, but does provide a Vehicle Recovery System Discount of 5% on Comprehensive coverage if the vehicle is equipped with a Vehicle Recovery System such as Lo Jack or OnStar. Wawanesa offers a Persistency Discount at the following annual terms: second (2nd) annual term of 2% Page 15 of 16

16 Insurer third (3rd) annual term of 4% fourth (4th) annual term of 7% sixth (6th) annual term of 10% tenth (10th) annual term of 13% thirteenth (13th) annual term of 16% sixteenth (16th) annual term of 20%. Western General Insurance Company - NAIC (800) (Consumer Contact) Western General offers a "Green Vehicle" discount of 3% on Bodily Injury and Property Damage liability electric coverage. Alternative fuel vehicles eligible for the discount are; 1) hybrid electrical vehicles, 2) plug-in electric vehicles, 3) hydrogen fuel cell vehicles, and 4) vehicles the run on compressed natural gas. Insured's who agree to participate in Western General's Preferred Provider Organization (PPO) program receive a 7.5% discount on their Comprehensive and Collision coverage premium. The insured agrees to use a body shop that is a member of Western General's PPO network in the event of a covered physical damage loss involving an insured automobile. SR-22 filings are available for a $15 fee for risks that meet the underwriting eligibility guidelines. Coverage for special equipment is available up to a maximum value of $2,000. Coverage costs 14.4% of the value of the special equipment. Coverage for incidental business use or limited commercial use is available for a 15% surcharge on all coverage lines. Western Home Insurance Company - NAIC (800) (Consumer Contact) Prem rates not offered. Page 16 of 16

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