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Automobile Insurance Premium Comparison > Rating Examples
Auto Insurance Premium Comparison - Rating Examples
 
Example 1-A:

Young Single Male, age 23 (single car policy – without PLIGA surcharge)
Drives a 2006 Buick LaCrosse CX, four-door sedan, with a Category II Anti-Theft
Device discount, ISO rating symbol 8, First 10 digits of VIN are 2G4WC542&6
Pleasure use – drives less than 3 miles daily
Has no motor vehicle violations/accidents in the past 3 years

Standard Policy:
Liability:

Young Single Male, age 23 (single car policy)
  Bodily Injury Limits: $15,000/$30,000
Property Damage: $5,000 (or combined single limit of $35,000)
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage:
  Bodily Injury Limits: $15,000/$30,000
Property Damage: $5,000 (or combined single limit of $35,000)

Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue

 
Example 1-B:
Same as Example 1-A, but with Unlimited Right to Sue Option
 
Example 2-A:  

Married couple, both between ages of 30 and 49 (multiple car policy – without PLIGA surcharge)

Married couple, both between ages of 30 and 49 (multiple car policy)
Car # 1:
  2012 Ford Taurus SE, four-door sedan, with Category II Anti-Theft Device
discount, ISO rating symbol 12, First 10 digits of VIN are 1FAHP2DW&C
Driven by husband to work 10 or more miles a day; 20,000 annual miles
Car # 2:
  2010 Chrysler Town and Country LX, with a Category II Anti-Theft Device discount, ISO rating symbol 10, First 10 digits of VIN are 2A4&R2D1&A
Driven by wife to work less than 3 miles a day; less than 7,500 annual miles
No motor vehicle violations/accidents within the past 3 years
Continuous insurance with same company for 5 years
Standard Policy:
Liability:
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage:
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)

Comprehensive: $750 deductible (on Car #1 and Car #2)
Collision: $750 deductible (Car #1 and Car #2)
Limited Right to Sue

 
Example 2-B:
Same as Example 2-A, but with Unlimited Right to Sue Option
 
Example 3-A:  
Unmarried male, 35 years old (without PLIGA surcharge)
2012 Ford Taurus SE, four-door sedan, with Category II Anti-Theft Device
discount, ISO rating symbol 12, First 10 digits of VIN are 1FAHP2DW&C
Has no motor vehicle violations/accidents in the past 3 years
Uses mass transit to work – pleasure use, less than 3 miles to train/bus station


Standard Policy:
Liability:
Unmarried male, 35 years old (single car policy)
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage:
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)
Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue
 
Example 3-B:
Same as Example 3-A, but insured drives to work, long commute
 
Example 4-A:  

Married couple, both 65 or older (single car policy – without PLIGA surcharge)
2012 Ford Taurus SE, foor-door sedan, with Category II Anti-Theft device
discount, ISO rating symbol 12, First 10 digits of VIN are 1FAHP2DW&C
Pleasure use (10,000 annual miles)
Has no motor vehicle violations/accidents within the past 3 years

Standard Policy:

Liability:

Married couple, both 65 or older (single car policy)
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage:
  Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000)
Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue
 
Example 4-B:
Same as Example 4-A, but with Unlimited Right to Sue Option
 
Example 5  

Young Single Female, age 23 (single car policy – without PLIGA surcharge)
Drives a 2006 Buick LaCrosse CX, four-door sedan, ISO rating symbol 8, First 10 digits of VIN are 2G4WC542&6
Drives 5 miles to work each day and 12,000 miles annually
Has no motor vehicle violation/accidents within the past 3 years

Basic Policy:

Liability:

Young single female, age 23 (single car policy)
  Property Damage: $5,000
No optional Bodily Injury coverage
Personal Injury Protection (PIP): $15,000
No physical damage coverage
Limited Right to Sue
 
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