PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-1
© Insurance Services Office, Inc., 2011
Section B Rating Symbols, Factors, and Manual
Rules
About This Section
This section contains the exhibits reflecting the rating symbol and factor
revisions necessary to implement the 2010 LPMP review provided in Section A.
Exhibit 1 - LPMP Rating Factors and Symbols Table
Exhibit 1 provides a revised Rating Factors and Symbols Table for the LPMP
Rating Plan to introduce additional symbols resulting from this review. Due to
the capping applied to the LPMP rating factors, these additional symbols have a
corresponding rating factor of 0.80.
Note that both the multistate manual and state pages will be updated to reflect the
revised LPMP Rating Factors and Symbols Table upon implementation of this
program as an "alternate" rating plan.
Exhibit 2 - LPMP Symbols by Vehicle Series
Exhibit 2 provides the LPMP Symbols by Vehicle Series Table containing the
revised symbols for each vehicle make and model contained in the review. As
mentioned in the Executive Summary, the 2010 LPMP revision provides revised
rating factors and symbols for:
♦ All vehicle series previously reviewed (1998-2009 Model Years).
♦ New vehicle series for the 2010 and 2011 model years, using the existing
procedure for assigning LPMP rating factors when auto manufacturers
introduce new vehicle models provided in Section A.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-2
© Insurance Services Office, Inc., 2011
Exhibit 1: LPMP Rating Factors / Symbols Table
LIABILITY AND PIP/MEDICAL PAYMENTS VEHICLE RATING FACTORS
BI & PD Liability Symbol
RATING FACTOR
PIP / Med Pay Symbol
225 0.80 425
230 0.80 430
235 0.80 435
240 0.80 440
245 0.80 445
250 0.80 450
255 0.80 455
260 0.80 460
265 0.80 465
270 0.80 470
275 0.80 475
280 0.80 480
285 0.85 485
290 0.90 490
295 0.95 495
300 1.00 500
305 1.05 505
310 1.10 510
315 1.15 515
320 1.20 520
325 1.25 525
330 1.25 530
335 1.25 535
340 1.25 540
345 1.25 545
350 1.25 550
355 1.25 555
360 1.25 560
365 1.25 565
370 1.25 570
375 1.25 575
380 1.25 580
385 1.25 585
390 1.25 590
Liability and PIP/Medical Payments Vehicle Rating Factors Table
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-3
© Insurance Services Office, Inc., 2011
Exhibit 2: LPMP Symbols by Vehicle Series
Pages B-4-20 of this exhibit display the LPMP Rating Symbols corresponding to each vehicle
make and model. Related Exhibit B-2 provides the LPMP rating factors corresponding to
these rating symbols.
Two symbols are displayed for each vehicle series – one symbol for BI & PD Liability
coverages and a second symbol applicable to PIP or Medical Payments coverages.
The LPMP symbols do not vary by model year, except where is necessary to distinguish
vehicles that have been substantially re-engineered by the manufacturer.
LPMP rating factors and symbols were determined on a vehicle series basis. Because the
LPMP symbols do not vary by individual VINs within a vehicle series, the LPMP Symbols
pages do not list each individual VIN number within a vehicle series.
LPMP SYMBOLS PAGES --- VEHICLE INFORMATION
The LPMP Symbols Pages display symbols on a per-vehicle series basis, except for a few
makes/models where individual models have been listed for ease of reference. For example,
in cases where a vehicle series name includes a slash ( / ) between multiple model names
(e.g., Audi A6/S6), each model is listed separately in the LPMP Symbols Pages.
Number of doors information is provided for passenger car models (which include station
wagon body types) because number of doors is a vehicle series determination criterion for
passenger cars.
Number of doors information is not provided for light trucks --- pickup trucks, utility vehicles
(including SUVs), vans, and wagons (vans with passenger seats) --- because number of doors
is not a vehicle series determination criterion for light trucks.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-4
© Insurance Services Office, Inc., 2011
LIABILITY AND PIP/MEDICAL PAYMENTS
VEHICLE RATING PLAN MANUAL
SYMBOLS
LIABILITY AND PIP/MEDICAL PAYMENTS SYMBOLS BY VEHICLE MAKE AND MODEL
1998 AND LATER MODEL YEARS
MAKE
MODEL
BI & PD LIABILITY SYMBOL
PIP & MEDICAL PAYMENTS SYMBOL
ACURA CL-SERIES 2 DR --- ---
----1998-1999 295 495
----2001-2003 300 510
ACURA INTEGRA 2 DR 295 500
ACURA INTEGRA 4 DR 295 505
ACURA MDX --- ---
----2001-2006 295 480
----2007 & Later 285 465
ACURA NSX 2 DR 290 485
ACURA RDX 280 480
ACURA RL-SERIES (1998-2004) 4 DR 290 495
ACURA RL (2005 & Later) 4 DR 285 470
ACURA RSX 2 DR 305 495
ACURA SLX 305 500
ACURA TL SERIES 4 DR --- ---
----1998 300 520
----1999 - 2008 295 495
----2009 & Later 290 495
ACURA TSX 4 DR --- ---
----2004-2008 280 485
----2009 & Later 285 485
ACURA ZDX 295 490
AUDI A3 4 DR 275 450
AUDI A4 2 DR 270 455
AUDI A4 4 DR --- ---
----1998-2008 280 470
----2009 & Later 275 485
AUDI A5 2 DR 280 480
AUDI A6 4 DR 280 470
AUDI A8 4 DR --- ---
----1998-2003 290 470
----2004 & Later 285 460
AUDI ALLROAD 285 440
AUDI CABRIOLET 2 DR 285 490
AUDI Q5 290 485
AUDI Q7 300 475
AUDI R8 2 DR 285 485
AUDI RS4 2 DR 270 455
AUDI RS4 4 DR 280 470
AUDI RS6 4 DR 280 470
AUDI S4 2 DR 270 455
AUDI S4 4 DR --- ---
---1998-2008 280 470
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---2010 & Later 275 485
AUDI S5 2 DR 280 480
AUDI S6 4 DR 280 470
AUDI S8 4 DR --- ---
----2001-2003 290 470
----2007 & Later 285 460
AUDI TT 2 DR --- ---
----2000-2006 260 460
----2008 & Later 275 485
BMW 1-SERIES 2 DR 285 480
BMW 3-SERIES 2 DR --- ---
----1998-1999 270 485
----2000-2006 270 465
----2007 & Later 275 465
BMW 3-SERIES 4 DR --- ---
----1998 295 510
----1999-2005 275 490
----2006 & Later 275 470
BMW 5-SERIES 4 DR 275 485
BMW 5-SERIES GRAN TURISMO 4 DR 295 485
BMW 6-SERIES 2 DR 275 465
BMW 7-SERIES 4 DR 285 485
BMW 7-SERIES ACTIVEHYBRID 4 DR 285 485
BMW M3 2 DR --- ---
----1998-1999 270 485
----2000-2006 270 465
----2008 & Later 275 465
BMW M3 4 DR --- ---
----1998 295 510
----2008 & Later 275 470
BMW M5 4 DR 275 485
BMW M6 2 DR 275 465
BMW X3 290 470
BMW X5 300 480
BMW X6 300 490
BMW X6 ACTIVEHYBRID 300 490
BMW Z3 2 DR 245 455
BMW Z4 2 DR 245 455
BMW Z8 2 DR 225 460
BUICK CENTURY 4 DR 300 495
BUICK ENCLAVE 290 460
BUICK LACROSSE 4 DR 300 495
BUICK LESABRE 4 DR --- ---
----1998-1999 295 500
----2000-2005 290 485
BUICK LUCERNE 295 495
BUICK PARK AVENUE 4 DR --- ---
----1998-1999 295 490
----2000-2005 290 485
BUICK RAINIER 305 500
BUICK REGAL 4 DR --- ---
----1998-2004 300 495
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© Insurance Services Office, Inc., 2011
----2011 & Later 290 495
BUICK RENDEZVOUS 295 490
BUICK RIVIERA 2 DR 300 490
BUICK SKYLARK 4 DR 305 510
BUICK TERRAZA 290 470
CADILLAC CATERA 4 DR 295 500
CADILLAC CTS 2 DR 295 490
CADILLAC CTS 4 DR 290 500
CADILLAC DEVILLE 4 DR --- ---
----1998-1999 295 500
----2000-2005 290 485
CADILLAC DTS 4 DR 290 485
CADILLAC ELDORADO 2 DR 285 490
CADILLAC ESCALADE and ESCALADE AWD 310 495
CADILLAC ESCALADE ESV 310 470
CADILLAC ESCALADE EXT 315 495
CADILLAC ESCALADE HYBRID 305 485
CADILLAC SEVILLE 4 DR --- ---
----1998-1999 285 485
----2000-2004 290 485
CADILLAC SRX --- ---
----2004-2009 300 485
----2010 & Later 295 490
CADILLAC STS 4 DR 290 480
CADILLAC XLR 2 DR 250 460
CHEVROLET ASTRO 285 500
CHEVROLET AVALANCHE 315 495
CHEVROLET AVEO 4 DR 310 540
CHEVROLET BLAZER 305 500
CHEVROLET CAMARO 2 DR --- ---
----1998-2002 285 495
----2010 & Later 295 490
CHEVROLET CAVALIER 2 DR 310 525
CHEVROLET CAVALIER 4 DR 310 530
CHEVROLET CHEVY VAN 300 505
CHEVROLET C/K SERIES PICKUP (1500, 2500 & 3500) 300 470
CHEVROLET COBALT 2 DR 320 515
CHEVROLET COBALT 4 DR 325 530
CHEVROLET COLORADO 305 485
CHEVROLET CORVETTE 2 DR 240 455
CHEVROLET CRUZE 4 DR 295 500
CHEVROLET EQUINOX 295 500
CHEVROLET EXPRESS 300 505
CHEVROLET HHR 295 510
CHEVROLET HHR PANEL 295 510
CHEVROLET IMPALA 4 DR 300 495
CHEVROLET LUMINA 4 DR 305 510
CHEVROLET MALIBU 4 DR --- ---
----1998-2003 305 505
----2004-2007 305 510
----2008 & Later 280 490
CHEVROLET MALIBU CLASSIC 4 DR --- ---
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© Insurance Services Office, Inc., 2011
----2004-2005 305 505
----2008 305 510
CHEVROLET MALIBU HYBRID 4 DR 285 490
CHEVROLET MALIBU MAXX 4 DR 295 480
CHEVROLET METRO 2 DR 275 510
CHEVROLET METRO 4 DR 305 530
CHEVROLET MONTE CARLO 2 DR --- ---
----1998-1999 305 480
----2000 -2007 295 500
CHEVROLET PRIZM 4 DR 300 510
CHEVROLET S-10 PICKUP 300 485
CHEVROLET SILVERADO 300 470
CHEVROLET SILVERADO CLASSIC 300 470
CHEVROLET SILVERADO HYBRID 300 475
CHEVROLET SSR 265 435
CHEVROLET SUBURBAN 310 485
CHEVROLET TAHOE 310 485
CHEVROLET TAHOE HYBRID 300 485
CHEVROLET TRACKER --- ---
----1998 285 515
----1999-2004 305 525
CHEVROLET TRAILBLAZER 305 500
CHEVROLET TRAILBLAZER EXT 315 495
CHEVROLET TRAVERSE 290 460
CHEVROLET UPLANDER 290 510
CHEVROLET VENTURE 290 510
CHEVROLET VOLT 4 DR 285 480
CHRYSLER 200 2 DR 275 475
CHRYSLER 200 4 DR 315 520
CHRYSLER 300 (2005 & Later) 4 DR 295 505
CHRYSLER 300M (1999-2004) 4 DR 305 515
CHRYSLER ASPEN 305 490
CHRYSLER ASPEN HYBRID 300 490
CHRYSLER CIRRUS 4 DR 315 520
CHRYSLER CONCORDE 4 DR 305 515
CHRYSLER CROSSFIRE 2 DR 265 470
CHRYSLER GRAND VOYAGER 295 510
CHRYSLER LHS 4 DR 305 515
CHRYSLER PACIFICA 310 495
CHRYSLER PROWLER 2 DR 280 485
CHRYSLER PT CRUISER CONVERTIBLE 2 DR 285 495
CHRYSLER PT CRUISER WAGON 295 515
CHRYSLER SEBRING 4 DR --- ---
----2001-2006 320 525
----2007 & Later 315 520
CHRYSLER SEBRING CONVERTIBLE 2 DR --- ---
----1998-2000 290 490
----2001-2006 285 495
----2008 & Later 275 475
CHRYSLER SEBRING COUPE 2 DR --- ---
----1998-2000 305 500
----2001-2005 315 500
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© Insurance Services Office, Inc., 2011
CHRYSLER TOWN & COUNTRY 295 510
CHRYSLER VOYAGER 295 510
DAEWOO LANOS 2 DR 300 515
DAEWOO LANOS 4 DR 305 530
DAEWOO LEGANZA 4 DR 310 515
DAEWOO NUBIRA 4 DR 310 520
DODGE AVENGER 2 DR 305 500
DODGE AVENGER 4 DR 315 520
DODGE CALIBER 4 DR 310 505
DODGE CARAVAN 295 510
DODGE CHALLENGER 2 DR 295 485
DODGE CHARGER 4 DR 310 520
DODGE DAKOTA --- ---
----1998-2004 335 480
----2005 & Later 320 480
DODGE DURANGO --- ---
----1998-2009 340 505
----2011 & Later 300 490
DODGE DURANGO HYBRID 300 490
DODGE GRAND CARAVAN 295 510
DODGE INTREPID 4 DR 305 515
DODGE JOURNEY 300 480
DODGE MAGNUM 305 515
DODGE NEON 2 DR 310 505
DODGE NEON 4 DR 330 545
DODGE NITRO 305 485
DODGE RAM MEGA CAB PICKUP 320 470
DODGE RAM PICKUP --- ---
----1998-2001 RAM 1500, 2500 & 3500 (All Models) 325 475
----2002-2008 RAM 1500 325 485
----2009 & Later RAM 1500 300 475
----2002 RAM 2500 & 3500 325 475
----2003 & Later RAM 2500 & 3500 315 470
DODGE RAM VAN 305 505
DODGE RAM WAGON 305 505
DODGE SPRINTER 295 490
DODGE STRATUS 2 DR 315 500
DODGE STRATUS 4 DR --- ---
----1998-2000 315 520
----2001-2006 320 525
DODGE VIPER 2 DR 285 485
EAGLE TALON 2 DR 305 500
FORD CLUB WAGON 320 495
FORD CONTOUR 4 DR 305 510
FORD CROWN VICTORIA 4 DR 305 500
FORD ECONOLINE 320 495
FORD EDGE 295 475
FORD ESCAPE 295 490
FORD ESCAPE HYBRID 305 485
FORD ESCORT 4 DR 305 525
FORD ZX2 (ESCORT ZX2) 2 DR 310 520
FORD EXCURSION 325 495
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-9
© Insurance Services Office, Inc., 2011
FORD EXPEDITION 315 500
FORD EXPEDITION EL 310 490
FORD EXPLORER --- ---
----1998-2010 310 500
----2011 & Later 300 490
FORD EXPLORER SPORT 310 500
FORD EXPLORER SPORT TRAC 310 500
FORD F-150 310 485
FORD F-250 310 485
FORD F-250 SUPER DUTY 315 465
FORD F-350 SUPER DUTY 315 465
FORD FIESTA 4 DR 295 500
FORD FIVE HUNDRED 4 DR 290 495
FORD FLEX 295 485
FORD FOCUS 2 DR 300 500
FORD FOCUS 4 DR 310 515
FORD FREESTAR 295 505
FORD FREESTYLE 290 485
FORD FUSION 4 DR 300 505
FORD FUSION HYBRID 4 DR 290 495
FORD GT 2 DR 295 475
FORD MUSTANG 2 DR --- ---
----1998-2004 305 505
----2005 & Later 295 495
FORD RANGER 305 485
FORD TAURUS 4 DR --- ---
----1998-2007 310 505
----2008 & Later 290 495
FORD TAURUS X 290 485
FORD THUNDERBIRD 2 DR 260 450
FORD TRANSIT CONNECT 290 500
FORD WINDSTAR 295 505
GMC ACADIA 290 460
GMC CANYON 305 485
GMC CLASSIC SIERRA 300 470
GMC ENVOY 305 500
GMC ENVOY XL 315 495
GMC ENVOY XUV 315 500
GMC JIMMY 305 500
GMC SAFARI 285 500
GMC SAVANA 300 505
GMC SIERRA 300 470
GMC SIERRA CLASSIC 300 470
GMC SIERRA HYBRID 300 475
GMC SONOMA 300 485
GMC SUBURBAN 310 485
GMC TERRAIN 295 500
GMC YUKON 310 485
GMC YUKON HYBRID 300 485
GMC YUKON XL 310 485
HONDA ACCORD 2 DR --- ---
----1998-2007 300 510
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----2008 & Later 290 510
HONDA ACCORD 4 DR --- ---
----1998-2007 295 505
----2008 & Later 275 500
HONDA ACCORD CROSSTOUR 295 490
HONDA ACCORD HYBRID 4 DR 295 495
HONDA CIVIC 2 DR --- ---
----1998-2000 295 505
----2001-2005 300 510
----2006 & Later 305 510
HONDA CIVIC 4 DR --- ---
----1998-2000 290 515
----2001-2005 295 505
----2006 & Later 295 515
HONDA CIVIC HYBRID 4 DR --- ---
----2003-2005 285 500
----2006 & Later 280 495
HONDA CR-V --- ---
----1998-2006 290 490
----2007 & Later 275 485
HONDA CR-Z 2 DR 290 490
HONDA ELEMENT 290 490
HONDA FIT 4 DR --- ---
----2007-2008 280 500
----2009 & Later 280 500
HONDA INSIGHT 2 DR 260 495
HONDA INSIGHT 4 DR 290 490
HONDA ODYSSEY --- ---
----1998 280 500
----1999 & Later 280 480
HONDA PASSPORT 320 530
HONDA PILOT --- ---
----2003-2008 295 480
----2009 & Later 280 475
HONDA PRELUDE 2 DR 300 495
HONDA RIDGELINE 290 470
HONDA S2000 2 DR 265 480
HUMMER H2 330 480
HUMMER H2 SUT 335 490
HUMMER H3 330 485
HUMMER H3T 295 480
HYUNDAI ACCENT 2 DR 300 515
HYUNDAI ACCENT 4 DR 310 540
HYUNDAI AZERA 4 DR 285 480
HYUNDAI ELANTRA 4 DR --- ---
----1998-2006 310 525
----2007 & Later 300 525
HYUNDAI ENTOURAGE 285 500
HYUNDAI EQUUS 4 DR 295 490
HYUNDAI GENESIS 2 DR 290 490
HYUNDAI GENESIS 4 DR 295 490
HYUNDAI SANTA FE --- ---
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-11
© Insurance Services Office, Inc., 2011
----2001-2006 300 495
----2007 & Later 290 490
HYUNDAI SONATA 4 DR --- ---
----1998 310 515
----1999-2010 305 520
----2011 & Later 295 500
HYUNDAI SONATA HYBRID 4 DR 290 495
HYUNDAI TIBURON 2 DR 325 525
HYUNDAI TUCSON 295 510
HYUNDAI VERACRUZ 285 495
HYUNDAI XG (XG350) 4 DR 300 520
INFINITI EX 4 DR 275 470
INFINITI FX 300 485
INFINITI G 2 DR --- ---
----2003-2007 (G35) 285 495
----2008 & Later (G37) 285 495
INFINITI G 4 DR --- ---
----1999-2002 (G20) 300 515
----2003-2008 (G35) 280 490
----2009 & Later (G37) 280 490
INFINITI I 4 DR --- ---
----1998-2004 (I35) 295 520
----2003-2007 (I30) 295 520
INFINITI M 4 DR --- ---
----2003-2004 (M45) 290 495
----2006 & Later (M35, M37, M45, and M56) 275 480
INFINITI Q45 4 DR 295 500
INFINITI QX4 315 510
INFINITI QX56 305 500
ISUZU ASCENDER 305 500
ISUZU ASCENDER EXTENDED WHEELBASE 315 495
ISUZU AXIOM 320 530
ISUZU AMIGO 315 515
ISUZU HOMBRE 300 485
ISUZU I-280 305 485
ISUZU I-290 305 485
ISUZU I-350 305 485
ISUZU I-370 305 485
ISUZU OASIS 4 DR 280 500
ISUZU RODEO 320 530
ISUZU RODEO SPORT 315 515
ISUZU TROOPER 305 500
ISUZU VEHICROSS 305 500
JAGUAR S-TYPE 4 DR 285 490
JAGUAR X-TYPE 4 DR 295 500
JAGUAR XF 4 DR 290 490
JAGUAR XJ-SERIES 4 DR --- ---
----1998-2003 280 475
----2004 & Later 290 455
JAGUAR XK-SERIES 2 DR --- ---
----1998-2006 260 475
----2007 & Later 270 460
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JEEP CHEROKEE 310 490
JEEP COMMANDER 325 475
JEEP COMPASS 305 490
JEEP GRAND CHEROKEE --- ---
----1998 310 490
----1999-2004 310 490
----2005 & Later 325 475
JEEP LIBERTY 325 500
JEEP PATRIOT 300 485
JEEP WRANGLER --- ---
----1998-2006 300 480
----2007 & Later 305 470
JEEP WRANGLER UNLIMITED --- ---
----2004-2006 305 480
----2007 & Later 305 465
KIA AMANTI 4 DR 300 520
KIA BORREGO 300 500
KIA FORTE 4 DR 295 505
KIA FORTE KOUP 2 DR 295 500
KIA OPTIMA 4 DR --- ---
----2001-2006 320 520
----2006.5- 2010 320 515
----2011 & Later 295 495
KIA RIO 4 DR --- ---
----2001-2005 310 530
----2006 & Later 310 540
KIA RONDO 4 DR 290 500
KIA SEDONA --- ---
----2002-2005 315 520
----2006 & Later 285 500
KIA SEPHIA 4 DR 310 540
KIA SORENTO --- ---
----2003-2009 310 525
----2011 & Later 295 490
KIA SOUL 290 510
KIA SPECTRA 4 DR --- ---
----2000-2004 (Except 2004 LX & EX Models) 315 530
----2004 (LX & EX Models) 325 545
----2005 - 2009 (All Models) 325 545
KIA SPORTAGE --- ---
----1998-2002 315 550
----2005 & Later 295 510
KIA SPORTAGE CONVERTIBLE 305 520
LAND ROVER DISCOVERY --- ---
----1998 320 505
----1999-2004 345 500
LAND ROVER FREELANDER 310 495
LAND ROVER LR2 305 480
LAND ROVER LR3 300 465
LAND ROVER LR4 300 465
LAND ROVER RANGE ROVER --- ---
----1998-2002 310 495
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----2003 & Later 310 455
LAND ROVER RANGE ROVER SPORT 310 465
LEXUS CT HYBRID 4 DR 285 485
LEXUS ES 4 DR 285 495
LEXUS GS 4 DR 280 500
LEXUS GS HYBRID 4 DR 285 490
LEXUS GX 295 475
LEXUS HS HYBRID 4 DR 295 495
LEXUS IS 2 DR 280 480
LEXUS IS 4 DR --- ---
----2001-2005 300 520
----2006 & Later 285 490
LEXUS LS 4 DR --- ---
----1998-2000 285 490
----2001-2006 280 480
----2007 & Later 290 460
LEXUS LS HYBRID 4 DR 295 480
LEXUS LX 305 475
LEXUS RX 290 490
LEXUS RX HYBRID 305 460
LEXUS SC 2 DR --- ---
----1998-2000 300 500
----2002 & Later 260 455
LINCOLN AVIATOR 310 500
LINCOLN BLACKWOOD 315 500
LINCOLN CONTINENTAL 4 DR 295 500
LINCOLN LS 4 DR 295 490
LINCOLN MARK LT 310 485
LINCOLN MARK VIII 2 DR 295 495
LINCOLN MKS 4 DR 295 485
LINCOLN MKT 295 485
LINCOLN MKX 295 475
LINCOLN MKZ 4 DR 300 505
LINCOLN MKZ HYBRID 4 DR 290 490
LINCOLN NAVIGATOR 315 500
LINCOLN NAVIGATOR L 310 490
LINCOLN TOWN CAR 4 DR 305 510
LINCOLN ZEPHYR 4 DR 300 505
LOTUS ELISE 2 DR 275 490
LOTUS EVORA 2 DR 285 485
LOTUS EXIGE 2 DR 275 490
MAZDA 626 4 DR 305 520
MAZDA B-SERIES PICKUP 305 485
MAZDA CX-7 300 485
MAZDA CX-9 295 475
MAZDA MAZDA2 4 DR 290 500
MAZDA MAZDA3 4 DR 300 490
MAZDA MAZDA5 4 DR 285 490
MAZDA MAZDA6 4 DR --- ---
----2003-2008 300 500
----2009 & Later 290 495
MAZDA MILLENIA 4 DR 295 510
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MAZDA MPV --- ---
----1998 290 500
----2000-2006 285 495
MAZDA MX-5 MIATA 2 DR 250 475
MAZDA PROTEGE 4 DR --- ---
----1998 305 520
----1999-2003 295 510
MAZDA RX-8 4 DR 290 490
MAZDA TRIBUTE 295 490
MAZDA TRIBUTE HYBRID 305 485
MERCEDES-BENZ C-CLASS 2 DR 285 490
MERCEDES-BENZ C-CLASS 4 DR --- ---
----1998-2000 285 510
----2001-2007 275 495
----2008 & Later 280 485
MERCEDES-BENZ CL-CLASS 2 DR --- ---
----1998-1999 300 480
----2000 & Later 290 485
MERCEDES-BENZ CLK-CLASS 2 DR 270 485
MERCEDES-BENZ CLS-CLASS 4 DR 285 470
MERCEDES-BENZ E-CLASS 2 DR 290 490
MERCEDES-BENZ E-CLASS 4 DR 280 485
MERCEDES-BENZ G-CLASS 300 470
MERCEDES-BENZ GL-CLASS 300 465
MERCEDES-BENZ GLK-CLASS 300 490
MERCEDES-BENZ M-CLASS --- ---
----1998-2005 300 505
----2006 & Later 295 480
MERCEDES-BENZ M-CLASS HYBRID 295 480
MERCEDES-BENZ R-CLASS 295 485
MERCEDES-BENZ S-CLASS 4 DR --- ---
----1998-1999 285 480
----2000 & Later 285 480
MERCEDES-BENZ S-CLASS HYBRID 4 DR 285 480
MERCEDES-BENZ SL-CLASS 2 DR 255 460
MERCEDES-BENZ SLK-CLASS 2 DR 255 470
MERCEDES-BENZ SLS-CLASS 2 DR 290 485
MERCEDES-BENZ SPRINTER 295 490
MERCURY COUGAR 2 DR 310 500
MERCURY GRAND MARQUIS 4 DR 305 500
MERCURY MARAUDER 4 DR 305 500
MERCURY MARINER 295 490
MERCURY MARINER HYBRID 305 485
MERCURY MILAN 4 DR 300 505
MERCURY MILAN HYBRID 4 DR 290 495
MERCURY MONTEGO 4 DR 290 495
MERCURY MONTEREY 295 505
MERCURY MOUNTAINEER 310 500
MERCURY MYSTIQUE 4 DR 305 510
MERCURY SABLE 4 DR --- ---
----1998-2005 310 505
----2005-2009 290 495
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MERCURY TRACER 4 DR 305 525
MERCURY VILLAGER 290 505
MINI COOPER 2 DR 265 465
MINI COOPER CLUBMAN 4 DR 270 475
MINI COOPER COUNTRYMAN 4 DR 285 480
MITSUBISHI 3000GT 2 DR 295 490
MITSUBISHI DIAMANTE 4 DR 305 515
MITSUBISHI ECLIPSE 2 DR --- ---
----1998-1999 305 500
----2000-2005 315 500
----2006 & Later 320 515
MITSUBISHI ENDEAVOR 325 515
MITSUBISHI GALANT 4 DR --- ---
----1998 305 520
----1999-2003 320 545
----2004 & Later 320 525
MITSUBISHI LANCER 4 DR --- ---
----2002-2007 315 545
----2008 & Later 315 520
MITSUBISHI MIRAGE 2 DR 310 530
MITSUBISHI MIRAGE 4 DR 310 540
MITSUBISHI MONTERO --- ---
----1998-2000 320 555
----2001-2006 310 505
MITSUBISHI MONTERO SPORT 320 555
MITSUBISHI OUTLANDER --- ---
----2003-2006 315 525
----2007 & Later 295 495
MITSUBISHI OUTLANDER SPORT 290 490
MITSUBISHI RAIDER 320 480
NISSAN 200SX 2 DR 295 515
NISSAN 240SX 2 DR 295 500
NISSAN 350Z 2 DR 280 490
NISSAN 370Z 2 DR 280 490
NISSAN ALTIMA 2 DR 305 515
NISSAN ALTIMA 4 DR --- ---
----1998-2001 315 535
----2002-2006 300 530
----2007 & Later 295 520
NISSAN ALTIMA HYBRID 4 DR 290 490
NISSAN ARMADA 305 500
NISSAN CUBE 290 510
NISSAN FRONTIER --- ---
----1998-2004 300 490
----2005 & Later 295 485
NISSAN GT-R 2 DR 290 485
NISSAN JUKE 295 495
NISSAN LEAF EV 4 DR 290 485
NISSAN MAXIMA 4 DR --- ---
----1998-2003 295 520
----2004-2008 285 525
----2009 & Later 285 505
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-16
© Insurance Services Office, Inc., 2011
NISSAN MURANO --- ---
----2003-2007 300 505
----2009 & Later 285 490
NISSAN PATHFINDER --- ---
----1998-2004 315 510
----2005 & Later 295 510
NISSAN PATHFINDER ARMADA 305 500
NISSAN QUEST --- ---
----1998-2002 290 520
----2004-2009 285 510
----2011 & Later 290 495
NISSAN ROGUE 305 510
NISSAN SENTRA 4 DR --- ---
----1998-1999 305 520
----2000-2006 315 540
----2007 & Later 310 530
NISSAN TITAN 310 500
NISSAN VERSA 4 DR 300 525
NISSAN XTERRA --- ---
----2000-2004 310 505
----2005 & Later 295 485
OLDSMOBILE ACHIEVA 4 DR 305 510
OLDSMOBILE ALERO 2 DR 310 490
OLDSMOBILE ALERO 4 DR 310 510
OLDSMOBILE AURORA 4 DR --- ---
----1998-1999 295 490
----2001-2003 290 485
OLDSMOBILE BRAVADA 305 500
OLDSMOBILE CUTLASS 4 DR 305 505
OLDSMOBILE EIGHTY EIGHT/LSS 4 DR 295 500
OLDSMOBILE INTRIGUE 4 DR 300 495
OLDSMOBILE REGENCY 4 DR 300 480
OLDSMOBILE SILHOUETTE 290 505
PLYMOUTH BREEZE 4 DR 315 520
PLYMOUTH GRAND VOYAGER 295 510
PLYMOUTH NEON 2 DR 310 505
PLYMOUTH NEON 4 DR 330 545
PLYMOUTH PROWLER 2 DR 280 485
PLYMOUTH VOYAGER 295 510
PONTIAC AZTEK 295 490
PONTIAC BONNEVILLE 4 DR --- ---
----1998-1999 295 500
----2000-2005 290 485
PONTIAC FIREBIRD 2 DR 285 495
PONTIAC G3 4 DR 310 540
PONTIAC G5 2 DR 320 515
PONTIAC G6 2 DR 290 485
PONTIAC G6 4 DR 315 500
PONTIAC G8 4 DR 290 490
PONTIAC GTO 2 DR 305 495
PONTIAC GRAND AM 2 DR --- ---
----1998 305 505
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-17
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----1999-2005 310 490
PONTIAC GRAND AM 4 DR --- ---
----1998 305 510
----1999-2005 310 510
PONTIAC GRAND PRIX 2 DR 295 500
PONTIAC GRAND PRIX 4 DR 300 495
PONTIAC MONTANA 290 505
PONTIAC MONTANA SV6 290 505
PONTIAC SOLSTICE 2 DR 255 480
PONTIAC SUNFIRE 2 DR 310 525
PONTIAC SUNFIRE 4 DR 310 530
PONTIAC TORRENT 295 500
PONTIAC TRANS AM 2 DR 285 495
PONTIAC TRANS SPORT 290 505
PONTIAC VIBE 4 DR 285 485
PORSCHE BOXSTER 2 DR 245 455
PORSCHE CAYENNE 300 465
PORSCHE CAYENNE HYBRID 300 465
PORSCHE CAYMAN 2 DR 265 475
PORSCHE PANAMERA 4 DR 285 475
PORSCHE 911 2 DR 285 455
PORSCHE 911 CARRERA 2 DR 250 440
SAAB 9000 4 DR 290 485
SAAB 900 2 DR 260 460
SAAB 900 4 DR 270 455
SAAB 9-2X 4 DR 290 485
SAAB 9-3 2 DR 260 460
SAAB 9-3 4 DR 270 455
SAAB 9-5 4 DR 275 470
SAAB 9-7X 295 455
SATURN ASTRA 2 DR 285 490
SATURN ASTRA 4 DR 290 495
SATURN AURA 4 DR 295 490
SATURN AURA GREEN LINE HYBRID 4 DR 285 490
SATURN AURA HYBRID 4 DR 285 490
SATURN ION 4 DR 300 510
SATURN L-SERIES 4 DR 290 495
SATURN OUTLOOK 290 460
SATURN RELAY 290 505
SATURN SC 2 DR 300 510
SATURN SL/SW 4 DR 290 500
SATURN S-SERIES 2 DR 300 510
SATURN S-SERIES 4 DR 290 500
SATURN SKY 2 DR 255 460
SATURN VUE --- ---
----2002-2007 290 490
----2008-2009 280 460
SATURN VUE GREEN LINE HYBRID 305 480
SATURN VUE HYBRID 305 480
SCION TC 2 DR 320 520
SCION XA 4 DR 290 520
SCION XB --- ---
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-18
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----2004-2006 290 535
----2008 & Later 285 500
SCION XD 4 DR 295 505
SMART FORTWO 2 DR 255 495
SUBARU B9 TRIBECA 295 490
SUBARU BAJA 300 495
SUBARU FORESTER 4 DR --- ---
----1998-2008 280 470
SUBARU ----2009 & Later 280 480
SUBARU IMPREZA 2 DR 295 505
SUBARU IMPREZA (Incl. Impreza Outback Models) 4 DR --- ---
----1998-2007 290 485
----2008 & Later 290 480
SUBARU
LEGACY (Incl. 1998-2004 Legacy Outback Models)
4 DR 290 480
SUBARU OUTBACK (2005 & Later) 280 470
SUBARU TRIBECA 295 490
SUZUKI AERIO 4 DR 315 535
SUZUKI EQUATOR 295 485
SUZUKI ESTEEM 4 DR 305 525
SUZUKI FORENZA 4 DR 335 560
SUZUKI GRAND VITARA --- ---
----1999-2005 305 525
----2006 & Later 305 505
SUZUKI GRAND VITARA XL-7 320 520
SUZUKI KIZASHI 4 DR 290 495
SUZUKI RENO 4 DR 335 515
SUZUKI SIDEKICK 285 515
SUZUKI SWIFT 2 DR 275 510
SUZUKI SX4 4 DR 300 525
SUZUKI VERONA 4 DR 315 520
SUZUKI VITARA 305 525
SUZUKI X-90 295 515
SUZUKI XL7 300 500
TOYOTA 4RUNNER 295 500
TOYOTA AVALON 4 DR --- ---
----1998-2004 290 495
----2005 & Later 280 485
TOYOTA CAMRY 4 DR 300 510
TOYOTA CAMRY HYBRID 4 DR 285 480
TOYOTA CAMRY SOLARA 2 DR 295 500
TOYOTA CELICA 2 DR --- ---
----1998-1999 280 480
----2000-2005 305 500
TOYOTA COROLLA 4 DR --- ---
----1998-2002 300 525
----2003 & Later 300 530
TOYOTA ECHO 2 DR 295 535
TOYOTA ECHO 4 DR 295 525
TOYOTA FJ CRUISER 305 485
TOYOTA HIGHLANDER 290 490
TOYOTA HIGHLANDER HYBRID 305 460
TOYOTA LAND CRUISER 305 475
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page B-19
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TOYOTA MATRIX 4 DR 285 500
TOYOTA MR2 SPYDER 2 DR 265 490
TOYOTA PRIUS 4 DR --- ---
----2001-2003 295 490
----2004-2009 280 480
----2010 & Later 280 485
TOYOTA RAV4 --- ---
----1998-2005 295 520
----2006 & Later 290 500
TOYOTA SEQUOIA 300 495
TOYOTA SIENNA 280 495
TOYOTA SUPRA 2 DR 260 490
TOYOTA T100 300 485
TOYOTA TACOMA --- ---
----1998-2004 295 490
----2005 & Later 295 480
TOYOTA TERCEL 2 DR 295 515
TOYOTA TUNDRA --- ---
----2000-2006 305 480
----2007 & Later 300 470
TOYOTA VENZA 295 495
TOYOTA YARIS 2 DR 290 515
TOYOTA YARIS 4 DR 310 555
VOLKSWAGEN CABRIO 2 DR --- ---
----1998-1999 CABRIO 280 480
----1999-2000 NEW CABRIO 280 480
----2001-2002 CABRIO 280 480
VOLKSWAGEN CC 4 DR 290 490
VOLKSWAGEN EOS 2 DR 270 480
VOLKSWAGEN EUROVAN 285 470
VOLKSWAGEN GOLF 2 DR --- ---
----1998-1999 GOLF 280 480
----1999-2000 NEW GOLF 285 480
----2001-2005 GOLF 285 480
----2010 & Later GOLF 290 475
VOLKSWAGEN GOLF 4 DR --- ---
----1998-1999 GOLF 295 490
----1999-2000 NEW GOLF 280 470
----2001-2006 GOLF 280 470
----2010 & Later GOLF 280 480
VOLKSWAGEN GTI 2 DR --- ---
----1998-1999 GTI 280 480
----1999-2000 NEW GTI 285 480
----2001-2006 GTI 285 480
----2006 NEW GTI 290 475
----2007 & Later GTI 290 475
VOLKSWAGEN GTI 4 DR 280 480
VOLKSWAGEN JETTA 4 DR --- ---
----1998-1999 JETTA 295 500
----1999-2000 NEW JETTA 285 490
----2001-2005 JETTA 285 490
----2006 & Later JETTA 290 485
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VOLKSWAGEN NEW BEETLE 2 DR 275 480
VOLKSWAGEN PASSAT 4 DR --- ---
----1998-2001 PASSAT 290 485
----2001 NEW PASSAT 280 470
----2002-2005 PASSAT 280 470
----2006 & Later PASSAT 280 485
VOLKSWAGEN PHAETON 4 DR 295 450
VOLKSWAGEN R32 2 DR --- ---
----2004 285 480
----2008 290 475
VOLKSWAGEN RABBIT 2 DR 290 475
VOLKSWAGEN RABBIT 4 DR 280 480
VOLKSWAGEN ROUTAN 295 510
VOLKSWAGEN TIGUAN 280 490
VOLKSWAGEN TOUAREG 300 465
VOLKSWAGEN TOUAREG HYBRID 300 465
VOLVO C30 2 DR 280 475
VOLVO C70 2 DR --- ---
----1998-2004 270 465
----2006 & Later 260 465
VOLVO S40 4 DR --- ---
----2000-2004 (All Models) 295 495
----2004.5 (S40 2.4i & S40 T5 Models) 285 465
----2005 & Later (All Models) 285 465
VOLVO S60 4 DR 280 465
VOLVO S70 4 DR 285 470
VOLVO S80 4 DR 280 475
VOLVO S90 4 DR 295 485
VOLVO V40 4 DR 295 495
VOLVO V50 4 DR 285 465
VOLVO V70 4 DR --- ---
----1998-2000 285 470
----2001 & Later 280 465
VOLVO V90 4 DR 295 485
VOLVO XC60 295 490
VOLVO XC70 280 460
VOLVO XC90 295 455
© Insurance Services Office, Inc., 2011
PERSONAL AUTO RULES FILING PP-2011-RLP1
2010 Liability and PIP/Medical Payments
Vehicle Rating Plan Revision
Executive Summary
About This Filing
This filing provides the results of the 2010 Liability and PIP/Medical Payments
(LPMP) Vehicle Rating Plan Review and revises LPMP rating factors and
symbols based on this review.
This filing also re-fits the predictive model used as the complement to credibility
to the actual experience in determining credibility-weighted indications for each
vehicle series. The model form and vehicle attributes used in the model remain
the same as those developed in the 2008 Liability and PIP/Medical Payments
Vehicle Rating Plan; however, the model coefficients have been updated to
reflect the latest available data.
Contents of Filing
This filing contains the following sections:
♦ Section A - Explanation of Actuarial Methodology provides the supporting
data for the revised factors and symbols developed in the 2010 Liability and
PIP/Medical Payments (LPMP) review.
The 2010 LPMP revision provides revised rating factors and symbols for:
� All vehicle series previously reviewed (1998-2009 Model Years).
� New vehicle series for the 2010 and 2011 model years, using the revised
procedure for assigning LPMP rating factors when auto manufacturers
introduce new vehicle models. See Section A for information concerning
the revised new vehicle rating factor assignment procedure.
♦ Section B - Rating Symbols, Factors, and Manual Rules contains exhibits
reflecting the LPMP manual page revisions being made as a result of the
2010 LPMP review.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page EX-2
© Insurance Services Office, Inc., 2011
♦ Section C - Analysis of Loss Cost Level Impact contains information
pertaining to the application of offset factors for insurers choosing to adopt
this filing.
Impact of Revision
Effective Date
ISO is not establishing an effective date for this revision. ISO participating
insurers who elect to adopt this program will need to (1) take appropriate
regulatory filing action to do so, and (2) establish an effective date for this
revision.
Loss Cost Impact
ISO did not introduce loss costs with the introduction of the LPMP Program.
Similarly, ISO is not introducing loss costs for use with these revisions to the
LPMP Rating Plan or calculating a loss cost offset factor.
In Section C of the filing, we have included an explanation of the procedure
insurers can use to calculate the proper rating offset factors used to achieve
revenue neutrality. Insurers choosing to adopt an LPMP rating plan should
evaluate the loss cost impact of the rating plan, modify their rates accordingly,
and take appropriate filing action for any revisions.
Copyright Explanation
The material distributed by Insurance Services Office, Inc. is copyrighted by ISO
Properties, Inc. All rights reserved. Possession of these pages does not confer the
right to print, reprint, publish, copy, sell, file or use same in any manner without
the written permission of the copyright owner.
Important Note
Insurance Services Office, Inc. (ISO) makes available advisory services to
property/casualty insurers. ISO has no adherence requirements. ISO rules and
explanatory materials are intended solely for the information and use of ISO's
participating insurers and their representatives, and insurance regulators. Neither
ISO's general explanations of rules intent nor opinions expressed by members of
ISO's staff necessarily reflect every insurer's view or control any insurer's
application of manual rules.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page EX-3
© Insurance Services Office, Inc., 2011
Table of Contents
Section A - Explanation of Actuarial Methodology
About This Section ............................................................................................................... A-1
Background .......................................................................................................................... A-1
Actuarial Analysis ................................................................................................................. A-1
Explanation of Section A Exhibits ........................................................................................ A-9
Section A - Actuarial Exhibits
Exhibit 1-1: Credibility Weighted Relativites and Final Rating Factors (BI & PD
Liability) ........................................................................................................................ A-12
Exhibit 1-2: Credibility Weighted Relativites and Final Rating Factors (PIP &
Med Pay) ........................................................................................................................ A-26
Exhibit 2: Like Vehicle Series ....................................................................................... A-40
Exhibit 3-1: Credibility Weighted Relativities and Final Rating Factors for New
Vehicle Series (BI & PD Liability) ............................................................................... A-44
Exhibit 3-2: Credibility Weighted Relativities and Final Rating Factors for New
Vehicle Series (PIP & Med Pay) ................................................................................... A-45
Exhibit 3-3: New Vehicle Series Symbol Assignment Rule ......................................... A-46
Section B - Rating Symbols, Factors, and Manual Rules
About This Section ................................................................................................................ B-1
Exhibit 1: LPMP Rating Factors/Symbols Table ................................................................... B-2
Exhibit 2: LPMP Symbols By Vehicle Series ....................................................................... B-3
Section C - Analysis of Loss Cost Level Impact
About This Section ................................................................................................................ C-1
Explanation of Offset Procedure ............................................................................................ C-1
Offset Calculation Example - Update from the 2008 LPMP Program (BI &PD
Liability) ........................................................................................................................... C-3
Offset Calculation Example - Update from the 2008 LPMP Program (PIP & Med
Pay) ................................................................................................................................... C-4
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-1
© Insurance Services Office, Inc., 2011
Section A Explanation of Actuarial Methodology
About This Section
This section contains an explanation of the actuarial methodology used in
developing this filing, including the resulting rating factors for each vehicle
series, the loss experience data underlying this revision, and an actuarial analysis
explaining the derivation of the rating factors.
Background
The rating factors in the current program were based upon an analysis of the
correlations between vehicle size, construction and related characteristics and a
vehicle's insurance loss experience for these coverages. Based on this analysis,
ISO staff developed rating factors and symbols for the Liability and PIP/Medical
Payments coverages based upon a credibility-weighted average of:
♦ An individual vehicle series' (make and model) insurance loss ratio relativity;
and
♦ A predicted loss ratio relativity for vehicles of the same chassis type,
electronic stability control (ESC), manufacturer's suggested retail price
(MSRP), body style, and curb weight class.
Actuarial Analysis
Data Used
For this review, ISO used voluntary market data in VIN detail, as reported
through the ISO Personal Auto Statistical Plan, for:
♦ Accident years-ended 9/30/2005 to 9/30/2009, evaluated as of
fourth quarter 2009.
♦ Model year 1998 through 2010 vehicles.
♦ All states except: Hawaii, Massachusetts, Puerto Rico and Texas.
♦ Bodily Injury Liability (BI), Property Damage Liability (PD),
Personal Injury Protection (PIP) and Medical Payments (MP) coverages.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-2
© Insurance Services Office, Inc., 2011
Additionally, based on the reported VIN and information from ISO's
VINMASTER product, Ward's Automotive Yearbooks, and data purchased from
Automatic Data Processing, (ADP) Inc., ISO was able to perform an analysis of
vehicle characteristics in order to re-fit the current predictive model used to
supplement the actual make and model insurance experience. These
characteristics include:
♦ Vehicle weight (curb weight)
♦ Chassis type (frame versus unibody)
♦ Body style
♦ Electronic Stability Control (ESC)
♦ Hybrid engine
♦ Manufacturer's suggested retail price (MSRP)
For this analysis, a unibody chassis type refers to any non-frame chassis type.
All vehicles are classified as having ESC as either a standard feature, an optional
feature or as not available for that vehicle. Also, all vehicles are classified into
one of the following body styles:
♦ Sedan
♦ Coupe
♦ Convertible
♦ Wagon
♦ Hatchback
♦ Pickup
♦ Sport utility vehicle / truck (SUV/SUT)
♦ Van
While there are additional vehicle characteristics which might be useful in
explaining differences in liability loss experience between vehicles, those
characteristics were either not available from the above data sources, or were not
incorporated into the predictive model developed in 2008 LPMP Filing, and
therefore not revisited for the re-fitting of the model.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-3
© Insurance Services Office, Inc., 2011
Data Adjustments Applied
For each combination of VIN, coverage(s) and calendar accident year, a loss ratio
index was calculated as the loss ratio for that combination divided by the loss
ratio for all vehicles for that calendar accident year. Loss ratios were calculated
as basic limits losses divided by loss costs at current level (LCCL).
Basic limits losses were calculated as reported incurred losses capped at the
applicable basic limit for the state where the car was principally garaged, plus
total allocated loss adjustment expense. Since loss indices were calculated
separately by accident year, loss development and trend factors were not applied
to the basic limits losses. To determine relative differences in loss potential it was
only necessary that the losses in both the numerator and denominator be on the
same basis, i.e., from the same calendar accident year, evaluated at the same
point in time. Therefore, the by-year indices in this analysis were based on
undeveloped, untrended losses.
Loss costs at current level were calculated based on current ISO territory loss
costs, primary driver class factors, secondary driver class factors (including safe
driver insurance plan points), and any applicable discounts (e.g., defensive
driver, anti-lock brakes, passive restraint).
Using loss ratio indices assured that any potential biases due to rating factors
other than vehicle (e.g., territory, driver class, safety features, etc.) would be
eliminated. Since the experience indices were calculated by accident year,
analyses could be performed by accident year as well as across accident years
combined.
The magnitude of vehicle characteristics was rounded before calculating
experience indices. For example, curb weight was rounded to the nearest multiple
of 250. Rounding the vehicle characteristics provided a larger data volume for
categorical analysis of these variables, which helps reduce distortions caused by
random variations.
Predictive Model
Since many individual make and model vehicles do not have enough historical
experience to be fully credible on their own, it is necessary to use a model that
can be used as the complement of credibility for these cases. The current model
used by ISO calculates a predicted relativity for a vehicle series based upon that
series' chassis type, electronic stability control (ESC) system, manufacturer's
suggested retail price (MSRP), body style, and curb weight class.
The model(s) developed in this Filing are generalized linear models (“GLMs”)
with an identity link function and normally distributed errors. The dependent
variable is the loss ratio index, and the independent variables are the vehicle
characteristics mentioned above. Loss costs at current level were used as prior
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-4
© Insurance Services Office, Inc., 2011
weights in the regression; given that observations with higher amounts of LCCL
should exhibit less variability, it is appropriate that these observations receive
greater weight in the regression. The effects of these vehicle characteristics on
first party coverages were expected to be different from the effect on third party
coverages. Therefore, two separate predictive models were created: one for BI
and PD liability experience combined and another one for Personal Injury
Protection and Medical Payments experience combined.
The predictive models reflect an interaction between chassis type and curb
weight for liability coverages, and a non-linear relationship between curb weight
and loss ratio indices for both liability and first party coverages.
The final model is of the following form:
Loss Ratio Index = Chassis Type / Curb Weight factor +
Electronic Stability Control factor +
Body Style factor + MSRP factor
The above model form and associated variables, as developed in the 2008 LPMP
Filing, are not being revised in this filing. However, the model coefficients are
being updated in order to reflect the latest available data.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-5
© Insurance Services Office, Inc., 2011
The tables below contain the final model parameters for BI and PD coverages
combined as well as for PIP and Medical Payments coverages combined.
BI and PD
Present Revised
Chassis Type* / Curb Weight Factor Factor
Frame / Curb Weight < 2750 LBS -0.5395 + 0.1428 x (CW/250) -0.9398 + 0.1783 x (CW/250)
Frame / Curb Weight ≥ 2750 LBS 0.7761 + 0.0232 x (CW/250) 0.7652 + 0.0233 x (CW/250)
Unibody / Curb Weight < 2750 LBS 0.3641 + 0.0595 x (CW/250) 0.4737 + 0.0498 x (CW/250)
Unibody / Curb Weight ≥ 2750 LBS 0.8426 + 0.0160 x (CW/250) 0.8026 + 0.0199 x (CW/250)
Present Revised
Electronic Stability Control Factor Factor
ESC Not Available 0.0000 0.0000
ESC Optional -0.1069 -0.0817
ESC Standard -0.1668 -0.1481
Present Revised
Body Style Factor Factor
Sedan 0.0000 0.0000
Convertible -0.2003 -0.2229
Wagon -0.1204 -0.1361
Hatchback -0.0394 -0.0705
Pickup -0.0286 -0.0622
SUV/SUT 0.0502 0.0405
Van -0.0958 -0.1103
Coupe 0.0418 0.0242
Present Revised
MSRP Factor Factor
$10,000 or less 0.1672 0.1233
$10,001 - $15,000 0.0811 0.0914
$15,001 - $20,000 0.0000 0.0000
$20,001 - $36,000 -0.0934 -0.0960
$36,001 - $60,000 -0.1458 -0.1423
More than $60,000 -0.1948 -0.1793
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-6
© Insurance Services Office, Inc., 2011
MP and PIP
Present Revised
Chassis Type* / Curb Weight Factor Factor
Frame / Curb Weight < 3250 LBS 1.6184 - 0.0363 x (CW/250) 1.3612 - 0.0112 x (CW/250)
Frame / Curb Weight ≥ 3250 LBS 1.2531 - 0.0082 x (CW/250) 1.2988 - 0.0064 x (CW/250)
Unibody / Curb Weight < 3250 LBS 1.5971 - 0.0363 x (CW/250) 1.2815 - 0.0112 x (CW/250)
Unibody / Curb Weight ≥ 3250 LBS 1.2318 - 0.0082 x (CW/250) 1.2191 - 0.0064 x (CW/250)
Present Revised
Electronic Stability Control Factor Factor
ESC Not Available 0.0000 0.0000
ESC Optional -0.0788 -0.0421
ESC Standard -0.1337 -0.1156
Present Revised
Body Style Factor Factor
Sedan 0.0000 0.0000
Convertible -0.2615 -0.2052
Wagon -0.2305 -0.2652
Hatchback -0.1878 -0.2008
Pickup -0.3083 -0.3202
SUV/SUT -0.0323 -0.0497
Van -0.0179 0.0136
Coupe -0.0932 -0.0586
Present Revised
MSRP Factor Factor
$10,000 or less 0.2463 0.2645
$10,001 - $15,000 0.0475 0.1369
$15,001 - $20,000 0.0000 0.0000
$20,001 - $36,000 -0.0927 -0.1202
$36,001 - $60,000 -0.1481 -0.1785
More than $60,000 -0.2717 -0.2709
* For this analysis, frame refers to frame and body on frame chassis types, and
unibody refers to all non-frame chassis types.
For both first party and liability coverages, the effect of curb weight is not strictly
linear over all weights. For liability coverages, the predicted relativity increases
rapidly as the curb weight increases up to 2,750 pounds, but then increases at a
lower rate for weights above 2,750 pounds. For first party coverages, the
predicted relativity decreases at one rate for weights up to 3,250 pounds, but then
decreases at a lower rate for higher weights.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-7
© Insurance Services Office, Inc., 2011
Vehicles equipped with an electronic stability control system exhibit significantly
better experience than vehicles that do not have an electronic stability control
system; this is an intuitive result since electronic stability control systems are
designed to help prevent accidents.
The body style of a vehicle also impacts the predicted relativity. Convertibles
display better experience than average for both first and third party coverages.
Pickups display significantly better than average experience for first party
coverages.
For both first party and liability coverages, vehicles with higher MSRP's
generally have better experience. It is possible that this is due to more expensive
cars having additional safety features (besides electronic stability control) that
less expensive cars do not have, which would drive down claim frequencies and
severities.
It should be noted that for vehicles with a unibody chassis, there was minimal
historical experience for curb weights greater than 5,500 pounds. As a result,
curb weights for unibody vehicles will be capped at 5,500 pounds when this
model is applied on a prospective basis.
Credibility Procedure
Similar to previous LPMP filings, ISO has adapted the credibility procedure
contained in the paper A Procedure to Determine Massachusetts Automobile
Insurance Territories by John Siczewicz, for this analysis. This method uses a
general linear model to determine predicted loss ratios indices for use as a
credibility complement for individual vehicle series (make and model)
experience. The model generates a predicted loss ratio index for each VIN based
on the vehicle's characteristics; a predicted loss ratio index is then calculated for
each vehicle series by premium weighting the predicted loss ratio indices for
each VIN in the vehicle series. The credibility assigned to the vehicle series loss
ratio index depends on the quality of the fit to the data as well as the variability
of vehicle series data over time. Then the credibility for a vehicle series is
given by:
Z = lv / ( lv + K )
K = τv2 / σ
2
where Z = credibility
lv = loss costs at current level for the vehicle series (make and model)
τv2 = measure of how observations vary from the true mean loss ratio
index for the vehicle series (make and model)
σ2 = measure of variance of model from the true mean loss ratio index
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-8
© Insurance Services Office, Inc., 2011
The K parameter is calculated as the ratio of the within variance (τv2 ) divided by
a measure of how well the model fit the data (σ2 ). The credibility weighted
relativity for the vehicle series is then:
CLRI1v = iv × Z + im × ( 1 - Z )
where CLRI1v = credibility-weighted relativity for vehicle series (individual
make and model)
Z = credibility
iv = all-year loss ratio index for vehicle series
im = predicted loss ratio index for vehicle series
It should be noted that this method gives more weight to the individual make and
model experience when either the loss costs at current level for the vehicle series
are high, or when K is small (i.e., when the within variance for the make and
model experience is low, or the variance of the model vs. the true mean loss ratio
index is high). Conversely, less weight will be given to the individual make and
model experience when either the loss costs at current level are low, or when K is
large.
When dealing with individual make and model vehicles, one must be cognizant
of the fact that over time new vehicles may be introduced. As a result, it is
possible that for a given review, the history of a particular make and model
vehicle in the experience period might include only one or two accident years of
data. In such cases, the loss ratio index for the vehicle series will probably get
low credibility, and most weight will be given to the model. Such heavy reliance
on the model might result in swings over time if the actual experience for that
make and model ultimately winds up being better or worse than the model
prediction. As a result, ISO limits the amount of credibility given to the model to
50%. That is, vehicles are rated using the following formula, which caps the
weight given to the model at 50% and assigns the remaining weight to unity.
Giving partial weight to 1.00 (i.e., no surcharge or discount) should help ensure a
smoother transition of a new vehicle's rating factor.
CLRI2v = iv × Z + im × Zm + 1.00 × ( 1 - Z - Zm)
where CLRI2v = credibility-weighted relativity for vehicle series (individual
make and model)
Z = credibility for vehicle series experience
Zm = min(1-Z,0.50) = credibility assigned to predicted loss ratio index
iv = all-year loss ratio index for vehicle series
im = predicted loss ratio index for vehicles of same chassis type and curb
weight class
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-9
© Insurance Services Office, Inc., 2011
Explanation of Section A Exhibits
The following actuarial exhibits contain the results of the 2010 LPMP Vehicle
Rating Plan Review. The LPMP Manual Pages reflecting this review are
contained in Section B.
Note that the following exhibits reflect the model year applicable to the vehicle
series. ISO's LPMP Vehicle Rating Plan does not vary by model year, except
where necessary to distinguish vehicles that have been substantially re-
engineered by the manufacturer. In this case, the changes to the vehicle's
characteristics are so significant that the predecessor vehicles LPMP rating
factors no longer reasonably represent the predicted loss ratio relativity
associated with the redesigned vehicle's characteristics.
Credibility Weighted Relativities and Final Rating Factors
The relativities resulting from the application of the credibility-weighting
procedure previously discussed, as well as the final rating factors after the
application of additional LPMP program rules such as combination of experience
for like vehicle series and capping of indicated relativities, are contained in
Exhibit 1-1 for the Liability coverages (BI and PD) and Exhibit 1-2 for the PIP
and Medical Payments coverages. These exhibits provide the following
information for each individual vehicle series (make and model):
♦ The vehicle series experience loss ratio relativity.
♦ The credibility for the vehicle series experience.
♦ The predicted loss ratio relativity.
♦ The credibility-weighted loss ratio relativity.
♦ The credibility-weighted loss ratio relativity after combination of experience
for like vehicle series, if applicable.
Like vehicle series are two or more vehicle series that (1) are identical except
for the nameplate, grill and some options, or (2) have slightly different body
styling but are basically the same car, or (3) have different bodies which tend
to give them a unique look but are the same internally in terms of wheelbase
and basic technology. Exhibit 2 contains a list of all vehicles reflected in
Exhibit 1 that are considered like vehicle series.
For more information on the analysis performed to ensure consistent
treatment of like vehicle series, and the criteria required for combining
experience, see "Like Vehicle Series" section on page A-11.
♦ The final capped rounded relativity.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-10
© Insurance Services Office, Inc., 2011
In order to temper the changes that would apply to any individual insured
upon the implementation of this program, ISO has decided to cap the
relativities at a minimum 0.80 and a maximum of 1.25.
After capping, the final credibility-weighted relativities have been rounded to
.05 for implementation purposes.
In addition, to mitigate any increase or decrease in relativity due to this
review, change in relativities have been capped at -20% and +25% for any
one vehicle series (see subsequent columns for more information).
♦ The current relativities.
♦ The percentage change in relativity.
♦ The final rating symbol.
Redesigned Vehicle Series (Model Years 1998-2010)
Under the LPMP program, the redesign of a vehicle series does not result in a
symbol change for that vehicle series. In some cases, a particular vehicle series
may have existed as one vehicle series prior to its redesign but split into two
separate vehicles series in one or more model years because:
♦ only part of the original vehicle series was redesigned. For example, the
hatchback portion of the Mini Cooper 2 Door was redesigned in 2007. The
remaining portion, the convertible, was redesigned in 2009.
♦ the carryover and original vehicle versions were produced simultaneously.
For example, the Chevrolet C/K Series Pickup was redesigned as the
Chevrolet Silverado in 1999 and existed alongside the Silverado in both 1999
and 2000. In 2007, the Silverado was redesigned, and the Classic version
existing alongside the redesign for one model year.
For the purposes of Exhibits 1-1 and 1-2, the carryover vehicle series' loss
experience was included within the experience for the vehicle series which
underwent redesign during model years 1998-2010.
New Vehicle Series (Model Years 2010 and 2011)
Exhibit 3-1 provides rating factors and related information similar to Exhibit 1
for 2010-2011 new vehicles for Liability coverages (BI & PD), while Exhibit 3-
2 provides rating factors and related information for 2010-2011 new vehicles for
PIP and Medical Payments coverages. The predicted loss ratio relativity for each
new vehicle series was determined from the same actuarial model used for 1998-
2010 model year vehicles contained in Exhibit 1.
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-11
© Insurance Services Office, Inc., 2011
Final rating factors and symbols were developed for new vehicle series using the
New Vehicle Series Symbol Assignment Rule described in Exhibit 3-3, which is
used when auto manufacturers introduce new vehicle models.
The new vehicle rule is being modified slightly in this filing to expand the
procedure for gas-electric hybrid versions of existing (non-hybrid) vehicle series
to apply to all alternative powered versions of existing internal-combustion
vehicle series (including electric, fuel cell, hydrogen, etc). Changes are also
being made to clarify the order of precedence for program rules when new
vehicles are both (a.) alternative powered versions of existing internal-
combustion vehicle series and (b.) considered like other (alternative powered)
vehicles series whose experience has already been reviewed.
Note: Certain model year 2010 vehicles have the experience data required for
inclusion in Exhibit 1. These vehicles are not included in Exhibit 3.
Like Vehicle Series
For each set of Like Vehicle Series, an analysis was performed in order to ensure
consistent treatment of like vehicles, as follows:
♦ Indications were calculated separately for each vehicle series.
♦ Like vehicle series that had initial credibility weighted indications that
differed by 10% or less on a multiplicative basis were automatically treated
identically. That is, their experience was combined and indications were re-
calculated, treating them as a single vehicle series.
♦ Like vehicle series that had initial indications that differed by more than 10%
on a multiplicative basis were analyzed further as follows:
� If low credibility for the insurance experience was the main reason for
the differences, and the predicted loss ratio indices for the vehicle series'
were not more than 10 percentage points apart, the vehicles were treated
identically. That is, their experience was combined and indications were
re-calculated, treating them as a single vehicle series.
� If low credibility was not an issue for the insurance experience, or if the
predicted loss ratio indices for the vehicle series' were more than 10
percentage points apart, the vehicle was treated separately (that is, it
maintained its own credibility-weighted indication).
In cases where the experience for like vehicle series was combined according to
the criteria described above, the combined credibility-weighted indications for
the like vehicle series are displayed in the column of Exhibit 1 entitled
"Relativity After Like Analysis."
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-12
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
ACURA 98-99 CL-SERIES 2 DR 0.948 0.46 0.981 0.967 0.95 0.95 0.0 295
ACURA 01-03 CL-SERIES 2 DR 0.965 0.99 0.940 0.964 1.021 1.00 1.00 0.0 300
ACURA 98-01 INTEGRA 2 DR 0.941 0.85 0.894 0.934 0.95 0.95 0.0 295
ACURA 98-01 INTEGRA 4 DR 0.934 0.55 0.934 0.934 0.95 0.95 0.0 295
ACURA 01-06 MDX 0.992 0.88 0.959 0.988 0.947 0.95 0.90 5.6 295
ACURA 07-10 MDX 0.812 0.73 0.911 0.839 0.85 0.80 6.3 285
ACURA 98-05 NSX 2 DR 0.233 0.09 0.906 0.884 0.90 0.90 0.0 290
ACURA 07-10 RDX 0.775 0.62 0.889 0.819 0.80 0.80 0.0 280
ACURA 05-10 RL 4 DR 0.819 0.47 0.831 0.830 0.85 0.80 6.3 285
ACURA 98-04 RL-SERIES 4 DR 0.898 0.57 0.870 0.886 0.90 0.80 12.5 290
ACURA 02-06 RSX 2 DR 1.089 0.77 0.865 1.038 1.05 1.05 0.0 305
ACURA 98-99 SLX 1.115 0.08 1.083 1.051 1.056 1.05 1.10 -4.5 305
ACURA 09-10 TL 4 DR 1.038 0.30 0.828 0.926 0.90 0.90 0.0 290
ACURA 98 TL-SERIES 4 DR 1.056 0.60 0.977 1.025 1.00 1.05 -4.8 300
ACURA 99-08 TL-SERIES 4 DR 0.900 0.91 0.899 0.900 0.928 0.95 0.90 5.6 295
ACURA 04-08 TSX 4 DR 0.818 0.88 0.817 0.818 0.80 0.80 0.0 280
ACURA 09-10 TSX 4 DR 0.820 0.45 0.837 0.838 0.85 0.90 -5.6 285
AUDI 01-05 ALLROAD 0.716 0.37 0.891 0.841 0.85 0.85 0.0 285
AUDI 06-10 A3 4 DR 0.725 0.31 0.685 0.757 0.80 0.80 0.0 275
AUDI 09-10 A4/S4 4 DR 0.568 0.39 0.820 0.742 0.80 0.85 -5.9 275
AUDI 03-09 A4/S4/RS4 2 DR 0.763 0.73 0.610 0.722 0.80 0.80 0.0 270
AUDI 98-08 A4/S4/RS4 4 DR 0.814 0.91 0.861 0.819 0.798 0.80 0.80 0.0 280
AUDI 08-10 A5/S5 2 DR 0.444 0.22 0.843 0.799 0.80 0.90 -11.1 280
AUDI 98-10 A6/S6/RS6 4 DR 0.804 0.95 0.858 0.807 0.80 0.80 0.0 280
AUDI 98-03 A8/S8 4 DR 0.797 0.24 0.860 0.881 0.90 0.90 0.0 290
AUDI 04-10 A8/S8 4 DR 0.776 0.35 0.830 0.837 0.85 0.80 6.3 285
AUDI 98 CABRIOLET 2 DR 0.490 0.09 0.742 0.825 0.85 0.80 6.3 285
AUDI 09-10 Q5 0.466 0.06 0.891 0.913 0.90 0.95 -5.3 290
AUDI 07-10 Q7 0.992 0.76 0.961 0.985 1.00 0.95 5.3 300
AUDI 08-10 R8 2 DR 0.095 0.03 0.778 0.862 0.85 0.85 0.0 285
AUDI 00-06 TT 2 DR 0.565 0.92 0.722 0.578 0.80 0.80 0.0 260
AUDI 08-10 TT 2 DR 0.638 0.33 0.706 0.734 0.80 0.85 -5.9 275
BMW 04-10 X3 0.891 0.86 0.882 0.890 0.90 0.85 5.9 290
BMW 00-10 X5 1.048 0.73 0.925 1.015 1.00 1.05 -4.8 300
BMW 08-10 X6 1.090 0.08 0.946 0.980 1.00 0.95 5.3 300
BMW 98-10 Z4 2 DR 0.448 0.90 0.586 0.461 0.80 0.80 0.0 245
BMW 00-03 Z8 2 DR 0.128 0.66 0.531 0.265 0.80 0.80 0.0 225
BMW 08-10 1-SERIES 2 DR 0.876 0.33 0.736 0.827 0.85 0.85 0.0 285
BMW 98-99 3-SERIES 2 DR 0.660 0.79 0.834 0.696 0.80 0.80 0.0 270
BMW 98 3-SERIES 4 DR 0.865 0.34 0.949 0.929 0.95 0.95 0.0 295
BMW 99-05 3-SERIES 4 DR 0.763 0.87 0.827 0.771 0.80 0.80 0.0 275
BMW 00-06 3-SERIES/M3 2 DR 0.675 0.88 0.713 0.679 0.80 0.80 0.0 270
BMW 07-10 3-SERIES/M3 2 DR 0.720 0.78 0.753 0.727 0.80 0.85 -5.9 275
BMW 06-10 3-SERIES/M3 4 DR 0.749 0.93 0.819 0.754 0.80 0.80 0.0 275
BMW 98-10 5-SERIES/M5 4 DR 0.729 0.96 0.805 0.732 0.80 0.80 0.0 275
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-13
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
BMW 04-10 6-SERIES/M6 2 DR 0.718 0.32 0.664 0.742 0.80 0.80 0.0 275
BMW 98-10 7-SERIES 4 DR 0.873 0.73 0.825 0.860 0.85 0.80 6.3 285
BUICK 98-05 CENTURY 4 DR 1.023 0.96 0.990 1.022 1.013 1.00 1.00 0.0 300
BUICK 08-10 ENCLAVE 0.944 0.62 0.963 0.951 0.909 0.90 0.95 -5.3 290
BUICK 05-10 LACROSSE 4 DR 0.975 0.84 0.917 0.966 1.013 1.00 1.00 0.0 300
BUICK 98-99 LESABRE 4 DR 0.979 0.93 0.985 0.980 0.963 0.95 0.95 0.0 295
BUICK 00-05 LESABRE 4 DR 0.914 0.97 0.904 0.914 0.920 0.90 0.95 -5.3 290
BUICK 06-10 LUCERNE 4 DR 0.975 0.85 0.960 0.973 0.95 1.00 -5.0 295
BUICK 98-99 PARK AVENUE 4 DR 0.933 0.70 1.000 0.953 0.959 0.95 0.95 0.0 295
BUICK 00-05 PARK AVENUE 4 DR 0.941 0.80 0.918 0.936 0.920 0.90 0.95 -5.3 290
BUICK 04-07 RAINIER 0.932 0.73 1.080 0.971 1.049 1.05 1.05 0.0 305
BUICK 98-04 REGAL 4 DR 0.893 0.76 0.985 0.915 1.013 1.00 0.85 17.6 300
BUICK 02-07 RENDEZVOUS 0.937 0.89 1.070 0.952 0.972 0.95 0.90 5.6 295
BUICK 98-99 RIVIERA 2 DR 0.798 0.18 1.029 0.978 1.00 0.95 5.3 300
BUICK 98 SKYLARK 4 DR 1.042 0.23 1.041 1.030 1.038 1.05 1.05 0.0 305
BUICK 05-07 TERRAZA 0.975 0.19 0.824 0.907 0.913 0.90 0.90 0.0 290
CADILLAC 98-01 CATERA 4 DR 0.960 0.88 1.005 0.966 0.95 1.00 -5.0 295
CADILLAC 03-10 CTS 4 DR 0.919 0.96 0.895 0.918 0.90 0.90 0.0 290
CADILLAC 98-99 DEVILLE 4 DR 0.935 0.76 0.897 0.926 0.95 0.95 0.0 295
CADILLAC 00-10 DTS 4 DR 0.947 0.83 0.896 0.938 0.920 0.90 0.95 -5.3 290
CADILLAC 98-02 ELDORADO 2 DR 0.805 0.77 0.908 0.829 0.85 0.80 6.3 285
CADILLAC 99-10 ESCALADE 1.210 0.72 1.061 1.168 1.090 1.10 1.15 -4.3 310
CADILLAC 03-10 ESCALADE ESV 1.294 0.60 1.049 1.196 1.104 1.10 1.15 -4.3 310
CADILLAC 02-10 ESCALADE EXT 1.207 0.42 1.061 1.117 1.169 1.15 1.05 9.5 315
CADILLAC 09-10 ESCALADE HYBRID 0.927 0.02 1.053 1.025 1.05 1.15 -8.7 305
CADILLAC 98-99 SEVILLE 4 DR 0.868 0.48 0.831 0.852 0.85 0.80 6.3 285
CADILLAC 00-04 SEVILLE 4 DR 0.941 0.63 0.831 0.900 0.920 0.90 0.95 -5.3 290
CADILLAC 04-09 SRX 1.126 0.46 0.896 1.006 1.00 1.00 0.0 300
CADILLAC 10 SRX 0.000 0.00 0.901 0.951 0.95 0.95 0.0 295
CADILLAC 05-10 STS 4 DR 0.958 0.58 0.837 0.907 0.90 0.85 5.9 290
CADILLAC 04-09 XLR 2 DR 0.482 0.68 0.551 0.504 0.80 0.80 0.0 250
CHEVROLET 98-05 ASTRO 0.869 0.94 0.960 0.874 0.867 0.85 0.90 -5.6 285
CHEVROLET 02-10 AVALANCHE 1.167 0.90 1.159 1.166 1.169 1.15 1.20 -4.2 315
CHEVROLET 04-10 AVEO 4 DR 1.122 0.68 1.006 1.085 1.084 1.10 1.15 -4.3 310
CHEVROLET 98-02 CAMARO 2 DR 0.862 0.80 0.929 0.875 0.868 0.85 0.90 -5.6 285
CHEVROLET 10 CAMARO 2 DR 0.769 0.07 0.887 0.927 0.95 0.95 0.0 295
CHEVROLET 98-05 CAVALIER 2 DR 1.106 0.82 1.062 1.098 1.115 1.10 1.15 -4.3 310
CHEVROLET 98-05 CAVALIER 4 DR 1.100 0.98 1.096 1.099 1.100 1.10 1.15 -4.3 310
CHEVROLET 05-10 COBALT 2 DR 1.318 0.52 1.119 1.222 1.198 1.20 1.15 4.3 320
CHEVROLET 05-10 COBALT 4 DR 1.280 0.92 1.124 1.267 1.25 1.15 8.7 325
CHEVROLET 04-10 COLORADO 1.055 0.89 1.004 1.049 1.043 1.05 1.05 0.0 305
CHEVROLET 98-10 CORVETTE 2 DR 0.372 0.98 0.693 0.379 0.80 0.80 0.0 240
CHEVROLET 05-10 EQUINOX 0.961 0.87 1.016 0.968 0.959 0.95 0.95 0.0 295
CHEVROLET 98-10 EXPRESS 1.021 0.55 1.044 1.031 1.007 1.00 1.05 -4.8 300
CHEVROLET 06-10 HHR 0.885 0.65 1.084 0.954 0.958 0.95 1.00 -5.0 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-14
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
CHEVROLET 07-10 HHR PANEL 0.365 0.07 0.857 0.884 0.958 0.95 0.90 5.6 295
CHEVROLET 00-10 IMPALA 4 DR 1.056 0.81 0.993 1.044 1.013 1.00 1.00 0.0 300
CHEVROLET 98-01 LUMINA 4 DR 1.060 0.73 1.055 1.059 1.05 1.05 0.0 305
CHEVROLET 08-10 MALIBU 4 DR 0.790 0.87 0.868 0.800 0.80 0.85 -5.9 280
CHEVROLET 98-05 MALIBU CLASSIC 4 DR 1.066 0.91 1.043 1.064 1.065 1.05 1.00 5.0 305
CHEVROLET 04-08 MALIBU CLASSIC 4 DR 1.051 0.74 1.007 1.039 1.05 1.00 5.0 305
CHEVROLET 08-10 MALIBU HYBRID 4 DR 0.480 0.05 0.837 0.893 0.874 0.85 0.85 0.0 285
CHEVROLET 04-07 MALIBU MAXX 4 DR 0.947 0.70 0.915 0.937 0.933 0.95 0.90 5.6 295
CHEVROLET 98-00 METRO 2 DR 0.597 0.56 0.913 0.736 0.752 0.80 0.85 -5.9 275
CHEVROLET 98-01 METRO 4 DR 1.094 0.53 0.964 1.033 1.05 1.05 0.0 305
CHEVROLET 98-99 MONTE CARLO 2 DR 1.018 0.82 1.065 1.026 1.05 1.00 5.0 305
CHEVROLET 00-07 MONTE CARLO 2 DR 0.963 0.69 1.020 0.980 0.973 0.95 0.90 5.6 295
CHEVROLET 98-02 PRIZM 4 DR 1.010 0.96 0.964 1.008 0.993 1.00 1.00 0.0 300
CHEVROLET 98-04 S-10 PICKUP 0.979 0.89 1.018 0.983 0.984 1.00 1.05 -4.8 300
CHEVROLET 98-10 SILVERADO 0.976 0.98 1.076 0.978 0.980 1.00 1.00 0.0 300
CHEVROLET 09-10 SILVERADO HYBRID 0.000 0.00 0.962 0.981 0.981 1.00 1.00 0.0 300
CHEVROLET 03-06 SSR 0.519 0.71 1.003 0.659 0.80 0.85 -5.9 265
CHEVROLET 98-10 SUBURBAN 1.095 0.96 1.117 1.095 1.104 1.10 1.15 -4.3 310
CHEVROLET 98-10 TAHOE 1.076 0.95 1.116 1.078 1.090 1.10 1.05 4.8 310
CHEVROLET 08-10 TAHOE HYBRID 0.597 0.11 1.019 0.965 0.986 1.00 1.00 0.0 300
CHEVROLET 98 TRACKER 0.840 0.63 0.843 0.841 0.865 0.85 1.00 -15.0 285
CHEVROLET 99-04 TRACKER 1.028 0.71 1.045 1.033 1.068 1.05 1.05 0.0 305
CHEVROLET 98-09 TRAILBLAZER 1.055 0.94 1.091 1.058 1.049 1.05 1.05 0.0 305
CHEVROLET 02-06 TRAILBLAZER EXT 1.161 0.80 1.148 1.159 1.144 1.15 1.10 4.5 315
CHEVROLET 09-10 TRAVERSE 0.959 0.35 0.978 0.975 0.909 0.90 0.95 -5.3 290
CHEVROLET 98-08 UPLANDER 0.934 0.87 0.896 0.929 0.913 0.90 0.90 0.0 290
CHRYSLER 07-09 ASPEN 1.124 0.58 1.012 1.077 1.05 1.25 -16.0 305
CHRYSLER 09 ASPEN HYBRID 0.000 0.00 1.051 1.026 1.024 1.00 1.25 -20.0 300
CHRYSLER 98-00 CIRRUS 4 DR 1.093 0.63 1.034 1.071 1.158 1.15 1.10 4.5 315
CHRYSLER 98-04 CONCORDE 4 DR 1.048 0.88 0.988 1.040 1.061 1.05 1.00 5.0 305
CHRYSLER 04-08 CROSSFIRE 2 DR 0.628 0.60 0.734 0.670 0.80 0.80 0.0 265
CHRYSLER 04-08 PACIFICA 1.100 0.89 1.096 1.099 1.10 1.05 4.8 310
CHRYSLER 01-02 PROWLER 2 DR 0.371 0.09 0.656 0.772 0.788 0.80 0.90 -11.1 280
CHRYSLER 01-10 PT CRUISER 0.970 0.77 0.935 0.962 0.95 0.90 5.6 295
CHRYSLER 05-08 PT CRUISER CONVERTIBLE 2 DR 0.894 0.54 0.779 0.841 0.85 0.80 6.3 285
CHRYSLER 08-10 SEBRING 2 DR 0.703 0.46 0.722 0.724 0.80 0.85 -5.9 275
CHRYSLER 01-06 SEBRING 4 DR 1.187 0.68 1.024 1.135 1.198 1.20 1.10 9.1 320
CHRYSLER 07-10 SEBRING 4 DR 1.107 0.79 0.984 1.081 1.168 1.15 1.00 15.0 315
CHRYSLER 98-00 SEBRING CONVERTIBLE 2 DR 0.978 0.77 0.756 0.927 0.90 0.95 -5.3 290
CHRYSLER 01-06 SEBRING CONVERTIBLE 2 DR 0.903 0.70 0.761 0.861 0.85 0.80 6.3 285
CHRYSLER 98-00 SEBRING COUPE 2 DR 1.044 0.52 0.991 1.019 1.050 1.05 1.00 5.0 305
CHRYSLER 01-05 SEBRING COUPE 2 DR 1.305 0.66 0.990 1.198 1.131 1.15 1.05 9.5 315
CHRYSLER 98-10 TOWN & COUNTRY 0.945 0.93 0.922 0.944 0.958 0.95 0.95 0.0 295
CHRYSLER 00-03 VOYAGER 1.005 0.73 0.922 0.983 0.958 0.95 0.95 0.0 295
CHRYSLER 05-10 300 4 DR 0.972 0.80 0.901 0.958 0.95 0.95 0.0 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-15
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
CHRYSLER 99-04 300M 4 DR 0.986 0.80 0.986 0.986 1.061 1.05 1.00 5.0 305
DAEWOO 99-02 LANOS 2 DR 0.988 0.42 1.017 1.003 1.00 1.05 -4.8 300
DAEWOO 99-02 LANOS 4 DR 1.081 0.43 1.074 1.072 1.05 1.05 0.0 305
DAEWOO 99-02 LEGANZA 4 DR 1.228 0.27 1.079 1.101 1.10 1.10 0.0 310
DAEWOO 99-02 NUBIRA 4 DR 1.179 0.44 1.066 1.112 1.10 1.15 -4.3 310
DODGE 98-00 AVENGER 2 DR 1.121 0.33 1.063 1.071 1.050 1.05 1.10 -4.5 305
DODGE 08-10 AVENGER 4 DR 1.272 0.71 0.981 1.188 1.168 1.15 1.00 15.0 315
DODGE 07-10 CALIBER 4 DR 1.129 0.84 0.934 1.098 1.10 1.00 10.0 310
DODGE 08-10 CHALLENGER 2 DR 0.935 0.28 0.886 0.925 0.95 0.90 5.6 295
DODGE 06-10 CHARGER 4 DR 1.215 0.71 0.885 1.119 1.10 1.05 4.8 310
DODGE 98-04 DAKOTA 1.341 0.96 1.025 1.329 1.25 1.25 0.0 335
DODGE 05-10 DAKOTA 1.258 0.73 1.032 1.197 1.212 1.20 1.25 -4.0 320
DODGE 98-09 DURANGO 1.456 0.89 1.145 1.421 1.25 1.25 0.0 340
DODGE 09 DURANGO HYBRID 0.000 0.00 1.028 1.014 1.024 1.00 1.25 -20.0 300
DODGE 98-10 GRAND CARAVAN 0.962 0.97 0.922 0.960 0.958 0.95 0.95 0.0 295
DODGE 98-04 INTREPID 4 DR 1.112 0.99 0.985 1.111 1.061 1.05 1.10 -4.5 305
DODGE 09-10 JOURNEY 1.048 0.48 0.944 0.995 1.00 0.95 5.3 300
DODGE 05-08 MAGNUM 1.111 0.79 0.808 1.048 1.05 1.00 5.0 305
DODGE 98-99 NEON 2 DR 1.125 0.18 1.117 1.081 1.121 1.10 1.20 -8.3 310
DODGE 98-05 NEON 4 DR 1.317 0.96 1.067 1.307 1.289 1.25 1.25 0.0 330
DODGE 07-10 NITRO 1.073 0.84 0.942 1.052 1.05 0.95 10.5 305
DODGE 06-10 RAM MEGA CAB PICKUP 1.271 0.25 1.233 1.185 1.20 1.25 -4.0 320
DODGE 02-08 RAM PICKUP 1500 1.261 0.93 1.087 1.248 1.25 1.25 0.0 325
DODGE 09-10 RAM PICKUP 1500 1.189 0.36 0.919 1.027 1.00 0.95 5.3 300
DODGE 98-02 RAM PICKUP 2500/3500 1.298 0.79 1.091 1.254 1.25 1.25 0.0 325
DODGE 03-10 RAM PICKUP 2500/3500 1.164 0.43 1.214 1.178 1.15 1.25 -8.0 315
DODGE 98-03 RAM VAN 1.078 0.48 1.037 1.056 1.05 1.05 0.0 305
DODGE 01-05 STRATUS 2 DR 1.264 0.58 1.037 1.169 1.131 1.15 1.15 0.0 315
DODGE 98-00 STRATUS 4 DR 1.200 0.66 1.043 1.146 1.158 1.15 1.10 4.5 315
DODGE 01-06 STRATUS 4 DR 1.298 0.65 1.044 1.210 1.198 1.20 1.20 0.0 320
DODGE 98-10 VIPER 2 DR 0.769 0.13 0.763 0.851 0.85 0.90 -5.6 285
EAGLE 98 TALON 2 DR 1.014 0.10 0.941 0.972 1.051 1.05 1.15 -8.7 305
FORD 98-00 CONTOUR 4 DR 1.084 0.89 1.020 1.077 1.063 1.05 1.10 -4.5 305
FORD 98-10 CROWN VICTORIA 4 DR 1.054 0.65 1.039 1.049 1.033 1.05 1.00 5.0 305
FORD 98-10 ECONOLINE 1.261 0.66 1.055 1.191 1.20 1.25 -4.0 320
FORD 07-10 EDGE 0.931 0.93 0.921 0.930 0.926 0.95 0.90 5.6 295
FORD 01-10 ESCAPE 0.960 0.87 1.012 0.966 0.967 0.95 0.95 0.0 295
FORD 05-10 ESCAPE HYBRID 1.040 0.58 1.032 1.037 1.027 1.05 1.00 5.0 305
FORD 98-02 ESCORT 4 DR 1.078 0.89 1.034 1.073 1.073 1.05 1.10 -4.5 305
FORD 00-05 EXCURSION 1.253 0.35 1.335 1.256 1.25 1.25 0.0 325
FORD 98-10 EXPEDITION 1.136 0.88 1.152 1.138 1.139 1.15 1.15 0.0 315
FORD 07-10 EXPEDITION EL 1.081 0.30 1.087 1.068 1.090 1.10 1.10 0.0 310
FORD 98-10 EXPLORER 1.123 0.95 1.054 1.120 1.115 1.10 1.10 0.0 310
FORD 01-10 EXPLORER SPORT TRAC 1.092 0.91 1.089 1.091 1.10 1.10 0.0 310
FORD 98-10 F-150 1.091 0.99 1.072 1.091 1.092 1.10 1.10 0.0 310
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-16
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
FORD 99-10 F-250/F-350 SUPER DUTY 1.109 0.66 1.195 1.138 1.15 1.20 -4.2 315
FORD 09-10 FLEX 0.803 0.27 0.954 0.924 0.928 0.95 0.90 5.6 295
FORD 00-10 FOCUS 2 DR 1.038 0.76 0.961 1.020 1.00 1.05 -4.8 300
FORD 00-10 FOCUS 4 DR 1.113 0.99 1.003 1.112 1.10 1.15 -4.3 310
FORD 98-07 FREESTAR 0.982 0.92 0.891 0.975 0.975 0.95 0.95 0.0 295
FORD 06-10 FUSION 4 DR 1.081 0.83 1.010 1.069 1.023 1.00 1.10 -9.1 300
FORD 10 FUSION HYBRID 4 DR 0.453 0.04 0.857 0.907 0.917 0.90 1.10 -18.2 290
FORD 05-06 GT 2 DR 0.615 0.01 0.946 0.969 0.95 0.90 5.6 295
FORD 98-04 MUSTANG 2 DR 1.030 0.97 0.955 1.028 1.05 1.05 0.0 305
FORD 05-10 MUSTANG 2 DR 0.947 0.84 0.970 0.951 0.95 0.95 0.0 295
FORD 98-10 RANGER 1.085 0.93 1.021 1.080 1.073 1.05 1.10 -4.5 305
FORD 98-07 TAURUS 4 DR 1.121 0.94 1.002 1.114 1.103 1.10 1.10 0.0 310
FORD 05-10 TAURUS 4 DR 0.840 0.75 0.998 0.879 0.884 0.90 0.85 5.9 290
FORD 05-09 TAURUS X 0.879 0.76 0.906 0.885 0.90 0.90 0.0 290
FORD 02-05 THUNDERBIRD 2 DR 0.453 0.60 0.757 0.574 0.80 0.80 0.0 260
FORD 10 TRANSIT CONNECT 3.832 0.00 0.770 0.885 0.90 0.85 5.9 290
FORD 98-03 ZX2 2 DR 1.109 0.88 1.087 1.107 1.10 1.15 -4.3 310
GMC 07-10 ACADIA 0.881 0.94 0.967 0.886 0.909 0.90 0.95 -5.3 290
GMC 04-10 CANYON 1.038 0.46 1.003 1.019 1.043 1.05 1.05 0.0 305
GMC 98-09 ENVOY 1.031 0.96 1.100 1.034 1.049 1.05 1.05 0.0 305
GMC 02-06 ENVOY XL 1.119 0.61 1.153 1.132 1.144 1.15 1.10 4.5 315
GMC 04-05 ENVOY XUV 1.128 0.36 1.176 1.134 1.15 1.10 4.5 315
GMC 98-05 SAFARI 0.834 0.36 0.961 0.921 0.867 0.85 0.90 -5.6 285
GMC 98-10 SAVANA 0.894 0.61 1.032 0.948 1.007 1.00 1.05 -4.8 300
GMC 98-10 SIERRA 0.981 0.95 1.065 0.986 0.980 1.00 1.00 0.0 300
GMC 09-10 SIERRA HYBRID 0.000 0.00 0.963 0.981 0.981 1.00 1.00 0.0 300
GMC 98-04 SONOMA 0.989 0.79 1.013 0.994 0.984 1.00 1.05 -4.8 300
GMC 10 TERRAIN 0.000 0.00 0.952 0.976 0.959 0.95 0.90 5.6 295
GMC 98-10 YUKON 1.067 0.98 1.125 1.069 1.090 1.10 1.05 4.8 310
GMC 08-10 YUKON HYBRID 1.269 0.05 1.019 1.023 0.986 1.00 1.00 0.0 300
GMC 98-10 YUKON XL 1.096 0.94 1.120 1.098 1.104 1.10 1.15 -4.3 310
HONDA 98-07 ACCORD 2 DR 1.029 0.98 0.982 1.028 1.021 1.00 1.00 0.0 300
HONDA 08-10 ACCORD 2 DR 0.891 0.78 0.849 0.881 0.90 0.90 0.0 290
HONDA 98-07 ACCORD 4 DR 0.933 0.99 0.975 0.933 0.928 0.95 0.90 5.6 295
HONDA 08-10 ACCORD 4 DR 0.733 0.93 0.830 0.739 0.80 0.90 -11.1 275
HONDA 05-07 ACCORD HYBRID 4 DR 0.980 0.27 0.954 0.972 0.95 1.05 -9.5 295
HONDA 98-00 CIVIC 2 DR 0.944 0.99 1.000 0.944 0.95 0.95 0.0 295
HONDA 01-05 CIVIC 2 DR 1.012 0.86 1.015 1.013 1.00 1.05 -4.8 300
HONDA 06-10 CIVIC 2 DR 1.058 0.80 1.028 1.052 1.05 1.10 -4.5 305
HONDA 98-00 CIVIC 4 DR 0.888 0.97 0.999 0.892 0.90 0.90 0.0 290
HONDA 01-05 CIVIC 4 DR 0.927 0.93 0.988 0.932 0.95 0.90 5.6 295
HONDA 06-10 CIVIC 4 DR 0.912 0.84 1.009 0.927 0.95 0.95 0.0 295
HONDA 03-05 CIVIC HYBRID 4 DR 0.812 0.74 0.945 0.847 0.85 0.85 0.0 285
HONDA 06-10 CIVIC HYBRID 4 DR 0.767 0.68 0.939 0.822 0.80 0.90 -11.1 280
HONDA 98-06 CR-V 0.914 0.96 1.006 0.918 0.90 0.90 0.0 290
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-17
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
HONDA 07-10 CR-V 0.749 0.94 0.878 0.756 0.80 0.80 0.0 275
HONDA 03-10 ELEMENT 0.876 0.83 1.034 0.903 0.90 0.90 0.0 290
HONDA 07-08 FIT 4 DR 0.736 0.68 0.928 0.798 0.80 0.85 -5.9 280
HONDA 09-10 FIT 4 DR 0.701 0.53 0.846 0.769 0.80 0.95 -15.8 280
HONDA 00-06 INSIGHT 2 DR 0.517 0.51 0.719 0.616 0.80 0.80 0.0 260
HONDA 10 INSIGHT 4 DR 1.039 0.06 0.768 0.886 0.90 0.90 0.0 290
HONDA 99-10 ODYSSEY 0.786 0.94 0.892 0.793 0.80 0.80 0.0 280
HONDA 98 ODYSSEY 4 DR 0.784 0.69 0.875 0.812 0.820 0.80 0.85 -5.9 280
HONDA 98-02 PASSPORT 1.287 0.78 1.073 1.240 1.189 1.20 1.25 -4.0 320
HONDA 03-08 PILOT 0.917 0.96 1.036 0.921 0.947 0.95 0.90 5.6 295
HONDA 09-10 PILOT 0.735 0.63 0.935 0.809 0.80 0.95 -15.8 280
HONDA 98-01 PRELUDE 2 DR 1.012 0.57 0.970 0.994 1.00 1.05 -4.8 300
HONDA 06-10 RIDGELINE 0.948 0.62 0.855 0.912 0.90 0.90 0.0 290
HONDA 00-09 S2000 2 DR 0.648 0.63 0.686 0.662 0.80 0.80 0.0 265
HUMMER 03-09 H2 1.595 0.32 1.267 1.324 1.25 1.25 0.0 330
HUMMER 05-09 H2 SUT 1.960 0.23 1.263 1.352 1.25 1.25 0.0 335
HUMMER 06-10 H3 1.525 0.52 1.045 1.295 1.25 1.25 0.0 330
HUMMER 09-10 H3T 1.231 0.02 0.907 0.958 0.95 0.95 0.0 295
HYUNDAI 98-10 ACCENT 2 DR 1.006 0.85 0.963 0.999 1.00 1.05 -4.8 300
HYUNDAI 98-10 ACCENT 4 DR 1.106 0.90 1.025 1.098 1.114 1.10 1.10 0.0 310
HYUNDAI 06-10 AZERA 4 DR 0.864 0.47 0.857 0.865 0.85 0.85 0.0 285
HYUNDAI 98-06 ELANTRA 4 DR 1.105 0.98 1.098 1.105 1.10 1.10 0.0 310
HYUNDAI 07-10 ELANTRA 4 DR 0.980 0.84 1.092 0.998 1.00 1.10 -9.1 300
HYUNDAI 07-08 ENTOURAGE 0.820 0.51 0.824 0.822 0.866 0.85 0.85 0.0 285
HYUNDAI 10 GENESIS 2 DR 0.388 0.03 0.853 0.908 0.90 0.90 0.0 290
HYUNDAI 09-10 GENESIS 4 DR 1.106 0.19 0.851 0.946 0.95 0.90 5.6 295
HYUNDAI 01-06 SANTA FE 0.988 0.93 1.077 0.994 1.00 0.95 5.3 300
HYUNDAI 07-10 SANTA FE 0.882 0.91 0.916 0.885 0.90 0.90 0.0 290
HYUNDAI 98 SONATA 4 DR 1.181 0.33 1.041 1.081 1.10 1.00 10.0 310
HYUNDAI 99-10 SONATA 4 DR 1.038 0.94 0.995 1.036 1.05 1.00 5.0 305
HYUNDAI 98-08 TIBURON 2 DR 1.268 0.80 1.072 1.229 1.25 1.20 4.2 325
HYUNDAI 05-10 TUCSON 0.910 0.75 0.913 0.911 0.928 0.95 0.90 5.6 295
HYUNDAI 07-10 VERACUZ 0.806 0.65 0.944 0.855 0.85 0.95 -10.5 285
HYUNDAI 01-05 XG350 4 DR 1.012 0.78 1.001 1.009 1.007 1.00 0.95 5.3 300
INFINITI 08-10 EX 4 DR 0.559 0.33 0.735 0.722 0.80 0.85 -5.9 275
INFINITI 03-10 FX 1.001 0.80 0.909 0.983 1.00 0.90 11.1 300
INFINITI 99-02 G 4 DR 0.993 0.89 0.945 0.988 1.00 1.00 0.0 300
INFINITI 03-10 G 4 DR 0.777 0.96 0.845 0.780 0.80 0.80 0.0 280
INFINITI 03-10 G 2 DR 0.872 0.96 0.863 0.871 0.85 0.80 6.3 285
INFINITI 98-04 I35 4 DR 0.891 0.83 0.958 0.902 0.947 0.95 0.90 5.6 295
INFINITI 06-10 M35/M45 4 DR 0.740 0.63 0.831 0.774 0.80 0.80 0.0 275
INFINITI 03-04 M45 4 DR 0.968 0.35 0.811 0.894 0.90 0.90 0.0 290
INFINITI 98-03 QX4 1.220 0.70 1.080 1.178 1.168 1.15 1.15 0.0 315
INFINITI 04-10 QX56 1.121 0.64 1.042 1.093 1.044 1.05 1.05 0.0 305
INFINITI 98-06 Q45 4 DR 0.922 0.35 0.919 0.932 0.95 0.85 11.8 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-18
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
ISUZU 04-08 ASCENDER 1.183 0.17 1.087 1.075 1.049 1.05 1.05 0.0 305
ISUZU 03-06 ASCENDER EXTENDED WHEELBASE 1.033 0.79 1.147 1.057 1.144 1.15 1.10 4.5 315
ISUZU 02-04 AXIOM 1.090 0.40 1.092 1.082 1.189 1.20 1.15 4.3 320
ISUZU 98-00 HOMBRE 0.876 0.49 1.073 0.976 0.984 1.00 1.05 -4.8 300
ISUZU 06-08 I-290/I-370 1.037 0.14 1.030 1.020 1.043 1.05 1.05 0.0 305
ISUZU 98-99 OASIS 4 DR 0.739 0.08 0.875 0.917 0.820 0.80 0.85 -5.9 280
ISUZU 98-04 RODEO 1.197 0.77 1.081 1.170 1.189 1.20 1.15 4.3 320
ISUZU 98-03 RODEO SPORT 1.225 0.24 1.157 1.133 1.15 1.20 -4.2 315
ISUZU 98-02 TROOPER 1.037 0.80 1.127 1.055 1.056 1.05 1.10 -4.5 305
ISUZU 99-01 VEHICROSS 0.921 0.07 1.083 1.036 1.05 1.05 0.0 305
JAGUAR 00-08 S-TYPE 4 DR 0.854 0.86 0.849 0.853 0.85 0.90 -5.6 285
JAGUAR 02-08 X-TYPE 4 DR 0.948 0.83 0.904 0.940 0.95 0.90 5.6 295
JAGUAR 09-10 XF 4 DR 0.943 0.09 0.826 0.908 0.90 0.90 0.0 290
JAGUAR 98-03 XJ-SERIES 4 DR 0.772 0.76 0.814 0.782 0.80 0.80 0.0 280
JAGUAR 04-10 XJ-SERIES 4 DR 0.961 0.37 0.795 0.883 0.90 0.90 0.0 290
JAGUAR 98-06 XK-SERIES 2 DR 0.595 0.57 0.590 0.593 0.80 0.80 0.0 260
JAGUAR 07-10 XK-SERIES 2 DR 0.647 0.31 0.638 0.710 0.80 0.80 0.0 270
JEEP 98-01 CHEROKEE 1.102 0.96 1.017 1.099 1.10 1.10 0.0 310
JEEP 06-10 COMMANDER 1.278 0.90 0.975 1.248 1.233 1.25 1.10 13.6 325
JEEP 07-10 COMPASS 1.069 0.62 0.970 1.032 1.05 1.00 5.0 305
JEEP 99-04 GRAND CHEROKEE 1.132 0.88 1.063 1.124 1.10 1.10 0.0 310
JEEP 05-10 GRAND CHEROKEE 1.243 0.93 0.959 1.223 1.233 1.25 1.10 13.6 325
JEEP 02-10 LIBERTY 1.237 0.96 1.070 1.230 1.25 1.20 4.2 325
JEEP 07-10 PATRIOT 1.026 0.72 0.948 1.004 1.00 1.00 0.0 300
JEEP 98-06 WRANGLER 0.977 0.92 1.092 0.986 1.00 1.05 -4.8 300
JEEP 07-10 WRANGLER 1.078 0.87 0.980 1.065 1.05 1.05 0.0 305
JEEP 04-06 WRANGLER UNLIMITED 1.033 0.46 1.053 1.042 1.05 0.95 10.5 305
JEEP 07-10 WRANGLER UNLIMITED 1.084 0.82 0.951 1.060 1.05 1.05 0.0 305
KIA 04-09 AMANTI 4 DR 1.021 0.60 0.942 0.989 1.007 1.00 0.95 5.3 300
KIA 09 BORREGO 1.627 0.05 0.969 1.016 1.00 1.00 0.0 300
KIA 10 FORTE 4 DR 0.278 0.01 0.884 0.935 0.95 0.95 0.0 295
KIA 01-06 OPTIMA 4 DR 1.249 0.85 1.068 1.222 1.20 1.20 0.0 320
KIA 06-10 OPTIMA 4 DR 1.253 0.80 0.980 1.198 1.20 1.00 20.0 320
KIA 01-05 RIO 4 DR 1.125 0.67 1.045 1.099 1.10 1.15 -4.3 310
KIA 06-10 RIO 4 DR 1.219 0.71 1.049 1.169 1.114 1.10 1.10 0.0 310
KIA 07-10 RONDO 4 DR 0.951 0.56 0.797 0.883 0.90 0.85 5.9 290
KIA 02-05 SEDONA 1.146 0.85 1.043 1.130 1.15 1.05 9.5 315
KIA 06-10 SEDONA 0.915 0.58 0.825 0.877 0.866 0.85 0.85 0.0 285
KIA 98-01 SEPHIA 4 DR 1.129 0.75 1.063 1.113 1.10 1.15 -4.3 310
KIA 03-09 SORENTO 1.080 0.84 1.131 1.088 1.10 1.10 0.0 310
KIA 10 SOUL 0.873 0.08 0.851 0.915 0.90 0.90 0.0 290
KIA 00-04 SPECTRA 4 DR 1.226 0.66 1.080 1.176 1.15 1.20 -4.2 315
KIA 04-09 SPECTRA 4 DR 1.281 0.72 1.107 1.232 1.25 1.25 0.0 325
KIA 98-02 SPORTAGE 1.146 0.78 1.129 1.142 1.15 1.15 0.0 315
KIA 05-10 SPORTAGE 0.963 0.99 0.936 0.963 0.928 0.95 0.90 5.6 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-19
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
KIA 99-02 SPORTAGE CONVERTIBLE 0.930 0.33 1.179 1.067 1.05 1.10 -4.5 305
LAND ROVER 98 DISCOVERY 1.440 0.37 1.129 1.227 1.20 1.20 0.0 320
LAND ROVER 99-04 DISCOVERY 1.492 0.87 1.121 1.444 1.25 1.25 0.0 345
LAND ROVER 02-05 FREELANDER 1.124 0.57 1.026 1.082 1.10 1.05 4.8 310
LAND ROVER 08-10 LR2 1.169 0.52 0.909 1.044 1.05 0.95 10.5 305
LAND ROVER 05-10 LR4 1.015 0.80 1.044 1.021 1.00 0.95 5.3 300
LAND ROVER 98-02 RANGE ROVER 1.151 0.40 1.104 1.112 1.10 1.10 0.0 310
LAND ROVER 03-10 RANGE ROVER 1.239 0.50 1.004 1.122 1.10 1.00 10.0 310
LAND ROVER 06-10 RANGE ROVER SPORT 1.121 0.75 1.075 1.109 1.10 1.05 4.8 310
LEXUS 98-10 ES 4 DR 0.865 0.97 0.895 0.866 0.85 0.95 -10.5 285
LEXUS 98-10 GS 4 DR 0.812 0.90 0.808 0.811 0.80 0.80 0.0 280
LEXUS 07-10 GS HYBRID 4 DR 0.804 0.37 0.851 0.853 0.85 0.90 -5.6 285
LEXUS 03-10 GX 0.852 0.84 0.961 0.869 0.928 0.95 0.95 0.0 295
LEXUS 10 HS HYBRID 4 DR 3.559 0.00 0.857 0.929 0.95 0.90 5.6 295
LEXUS 10 IS 2 DR 2.486 0.01 0.593 0.811 0.80 0.80 0.0 280
LEXUS 01-05 IS 4 DR 1.034 0.61 0.909 0.985 1.00 0.95 5.3 300
LEXUS 06-10 IS 4 DR 0.859 0.63 0.844 0.854 0.85 0.90 -5.6 285
LEXUS 98-00 LS 4 DR 0.889 0.64 0.811 0.861 0.85 0.85 0.0 285
LEXUS 01-06 LS 4 DR 0.780 0.83 0.831 0.789 0.80 0.80 0.0 280
LEXUS 07-10 LS 4 DR 0.911 0.74 0.814 0.886 0.90 0.85 5.9 290
LEXUS 08-10 LS HYBRID 4 DR 0.818 0.03 0.873 0.931 0.95 0.90 5.6 295
LEXUS 98-10 LX 1.030 0.65 1.032 1.031 1.035 1.05 1.05 0.0 305
LEXUS 99-10 RX 0.950 0.90 0.925 0.948 0.910 0.90 0.95 -5.3 290
LEXUS 06-10 RX HYBRID 1.009 0.62 0.891 0.964 1.037 1.05 1.00 5.0 305
LEXUS 98-00 SC 2 DR 0.945 0.07 0.967 0.979 1.00 0.95 5.3 300
LEXUS 02-10 SC 2 DR 0.599 0.59 0.566 0.586 0.80 0.80 0.0 260
LINCOLN 03-05 AVIATOR 1.044 0.53 1.037 1.041 1.115 1.10 1.00 10.0 310
LINCOLN 02 BLACKWOOD 0.895 0.05 1.199 1.094 1.139 1.15 1.15 0.0 315
LINCOLN 98-02 CONTINENTAL 4 DR 0.956 0.98 0.963 0.956 0.95 1.00 -5.0 295
LINCOLN 00-06 LS 4 DR 0.984 0.78 0.903 0.966 0.95 0.90 5.6 295
LINCOLN 06-08 MARK LT 1.225 0.07 1.082 1.057 1.092 1.10 1.10 0.0 310
LINCOLN 98 MARK VIII 2 DR 0.810 0.23 0.983 0.948 0.95 0.95 0.0 295
LINCOLN 09-10 MKS 4 DR 1.151 0.23 0.851 0.960 0.95 0.90 5.6 295
LINCOLN 10 MKT 0.000 0.00 0.951 0.975 0.928 0.95 0.95 0.0 295
LINCOLN 07-10 MKX 0.920 0.47 0.937 0.931 0.926 0.95 0.90 5.6 295
LINCOLN 06-10 MKZ 4 DR 0.925 0.47 0.984 0.957 1.023 1.00 0.95 5.3 300
LINCOLN 98-10 NAVIGATOR 1.152 0.84 1.143 1.150 1.139 1.15 1.15 0.0 315
LINCOLN 07-10 NAVIGATOR L 1.250 0.14 1.089 1.080 1.090 1.10 1.10 0.0 310
LINCOLN 98-10 TOWN CAR 4 DR 1.069 0.89 1.009 1.062 1.05 1.05 0.0 305
LOTUS 05-10 ELISE 2 DR 0.556 0.05 0.561 0.758 0.769 0.80 0.80 0.0 275
LOTUS 06-10 EXIGE 2 DR 1.070 0.02 0.750 0.876 0.769 0.80 0.80 0.0 275
MAZDA 98-09 B-SERIES PICKUP 0.999 0.96 1.013 0.999 1.073 1.05 1.10 -4.5 305
MAZDA 07-10 CX-7 1.064 0.56 0.917 1.000 1.00 0.95 5.3 300
MAZDA 07-10 CX-9 0.912 0.88 0.949 0.916 0.926 0.95 0.90 5.6 295
MAZDA 04-10 MAZDA3 4 DR 0.978 0.83 1.013 0.984 1.00 1.00 0.0 300
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-20
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
MAZDA 06-10 MAZDA5 4 DR 0.789 0.73 0.945 0.831 0.85 0.95 -10.5 285
MAZDA 03-08 MAZDA6 4 DR 0.980 0.76 0.989 0.982 1.00 1.00 0.0 300
MAZDA 09-10 MAZDA6 4 DR 0.912 0.33 0.824 0.883 0.90 0.90 0.0 290
MAZDA 98-02 MILLENIA 4 DR 0.958 0.60 0.967 0.962 0.95 0.90 5.6 295
MAZDA 98 MPV 0.905 0.48 0.909 0.909 0.90 0.90 0.0 290
MAZDA 00-06 MPV 0.817 0.72 0.895 0.839 0.85 0.80 6.3 285
MAZDA 99-10 MX-5 MIATA 2 DR 0.495 0.86 0.618 0.512 0.80 0.80 0.0 250
MAZDA 98 PROTEGE 4 DR 1.037 0.53 1.055 1.046 1.05 1.00 5.0 305
MAZDA 99-03 PROTEGE 4 DR 0.934 0.94 1.007 0.938 0.95 0.95 0.0 295
MAZDA 04-10 RX-8 4 DR 0.911 0.55 0.888 0.901 0.90 0.85 5.9 290
MAZDA 01-10 TRIBUTE 0.973 0.64 1.021 0.990 0.967 0.95 0.95 0.0 295
MAZDA 08-10 TRIBUTE HYBRID 1.534 0.01 1.021 1.016 1.027 1.05 1.00 5.0 305
MAZDA 98-02 626 4 DR 1.032 0.87 1.013 1.029 1.05 1.05 0.0 305
MERCEDES-BENZ 02-05 C-CLASS 2 DR 0.874 0.56 0.843 0.860 0.85 0.85 0.0 285
MERCEDES-BENZ 98-00 C-CLASS 4 DR 0.837 0.76 0.864 0.843 0.85 0.80 6.3 285
MERCEDES-BENZ 01-07 C-CLASS 4 DR 0.765 0.86 0.813 0.772 0.80 0.80 0.0 275
MERCEDES-BENZ 08-10 C-CLASS 4 DR 0.819 0.84 0.839 0.822 0.80 0.90 -11.1 280
MERCEDES-BENZ 98-99 CL-CLASS 2 DR 1.729 0.01 0.948 0.981 1.00 0.95 5.3 300
MERCEDES-BENZ 00-10 CL-CLASS 2 DR 0.766 0.14 0.830 0.882 0.90 0.85 5.9 290
MERCEDES-BENZ 98-09 CLK-CLASS 2 DR 0.721 0.76 0.699 0.716 0.80 0.80 0.0 270
MERCEDES-BENZ 06-10 CLS-CLASS 4 DR 0.864 0.75 0.820 0.853 0.85 0.85 0.0 285
MERCEDES-BENZ 10 E-CLASS 2 DR 0.803 0.01 0.842 0.919 0.90 0.90 0.0 290
MERCEDES-BENZ 98-10 E-CLASS 4 DR 0.804 0.93 0.808 0.804 0.80 0.80 0.0 280
MERCEDES-BENZ 02-10 G-CLASS 1.387 0.05 0.991 1.015 1.00 0.90 11.1 300
MERCEDES-BENZ 07-10 GL-CLASS 1.000 0.64 0.970 0.989 1.00 1.00 0.0 300
MERCEDES-BENZ 10 GLK-CLASS 1.485 0.09 0.917 1.002 1.00 0.95 5.3 300
MERCEDES-BENZ 06-10 M-CLASS 0.961 0.82 0.931 0.956 0.95 0.90 5.6 295
MERCEDES-BENZ 98-05 ML-CLASS 1.024 0.85 0.978 1.018 1.00 1.00 0.0 300
MERCEDES-BENZ 06-10 R-CLASS 0.971 0.20 0.942 0.965 0.95 1.00 -5.0 295
MERCEDES-BENZ 98-99 S-CLASS 4 DR 0.759 0.57 0.916 0.826 0.85 0.90 -5.6 285
MERCEDES-BENZ 00-10 S-CLASS 4 DR 0.863 0.94 0.814 0.860 0.85 0.80 6.3 285
MERCEDES-BENZ 98-09 SL-CLASS 2 DR 0.537 0.73 0.588 0.551 0.80 0.80 0.0 255
MERCEDES-BENZ 98-10 SLK-CLASS 2 DR 0.527 0.77 0.588 0.541 0.80 0.80 0.0 255
MERCEDES-BENZ 03-10 SPRINTER 1.105 0.16 0.899 0.966 0.95 1.00 -5.0 295
MERCURY 99-02 COUGAR 2 DR 1.133 0.77 1.018 1.107 1.10 1.15 -4.3 310
MERCURY 98-10 GRAND MARQUIS 4 DR 1.027 0.93 1.043 1.028 1.033 1.05 1.00 5.0 305
MERCURY 03-04 MARAUDER 4 DR 1.023 0.21 1.065 1.038 1.033 1.05 1.00 5.0 305
MERCURY 05-10 MARINER 0.906 0.93 0.984 0.911 0.967 0.95 0.95 0.0 295
MERCURY 06-10 MARINER HYBRID 0.906 0.24 1.035 0.995 1.027 1.05 1.00 5.0 305
MERCURY 06-10 MILAN 4 DR 0.969 0.67 0.984 0.974 1.023 1.00 0.95 5.3 300
MERCURY 10 MILAN HYBRID 4 DR 2.732 0.01 0.857 0.946 0.917 0.90 0.95 -5.3 290
MERCURY 04-07 MONTEREY 0.963 0.88 0.872 0.952 0.975 0.95 0.95 0.0 295
MERCURY 98-10 MOUNTAINEER 1.103 0.96 1.082 1.102 1.115 1.10 1.10 0.0 310
MERCURY 98-00 MYSTIQUE 4 DR 1.023 0.75 1.023 1.023 1.063 1.05 1.10 -4.5 305
MERCURY 98-05 SABLE 4 DR 1.065 0.96 0.977 1.062 1.103 1.10 1.10 0.0 310
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-21
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
MERCURY 05-09 SABLE 4 DR 0.812 0.53 1.000 0.900 0.884 0.90 0.85 5.9 290
MERCURY 98-99 TRACER 4 DR 1.070 0.75 1.040 1.063 1.073 1.05 1.10 -4.5 305
MERCURY 98-02 VILLAGER 0.902 0.83 0.913 0.904 0.905 0.90 0.85 5.9 290
MINI 02-10 COOPER 2 DR 0.588 0.76 0.793 0.638 0.80 0.80 0.0 265
MINI 08-10 COOPER CLUBMAN 4 DR 0.559 0.30 0.680 0.708 0.80 0.85 -5.9 270
MITSUBISHI 98-04 DIAMANTE 4 DR 1.220 0.38 0.985 1.076 1.05 1.05 0.0 305
MITSUBISHI 98-99 ECLIPSE 2 DR 1.225 0.46 0.896 1.052 1.051 1.05 1.15 -8.7 305
MITSUBISHI 00-05 ECLIPSE 2 DR 1.150 0.79 0.890 1.096 1.131 1.15 1.05 9.5 315
MITSUBISHI 06-10 ECLIPSE 2 DR 1.257 0.79 0.929 1.189 1.20 1.15 4.3 320
MITSUBISHI 04-10 ENDEAVOR 1.291 0.89 0.999 1.259 1.25 1.25 0.0 325
MITSUBISHI 98 GALANT 4 DR 1.221 0.19 1.041 1.062 1.05 1.10 -4.5 305
MITSUBISHI 99-03 GALANT 4 DR 1.227 0.97 1.034 1.221 1.20 1.15 4.3 320
MITSUBISHI 04-10 GALANT 4 DR 1.281 0.61 1.028 1.183 1.20 1.15 4.3 320
MITSUBISHI 02-07 LANCER 4 DR 1.237 0.62 1.074 1.175 1.15 1.20 -4.2 315
MITSUBISHI 08-10 LANCER 4 DR 1.317 0.39 1.049 1.148 1.15 1.05 9.5 315
MITSUBISHI 98-02 MIRAGE 2 DR 1.096 0.78 1.038 1.083 1.10 1.10 0.0 310
MITSUBISHI 98-01 MIRAGE 4 DR 1.133 0.51 1.044 1.089 1.10 1.20 -8.3 310
MITSUBISHI 01-06 MONTERO 1.103 0.51 1.073 1.089 1.10 1.10 0.0 310
MITSUBISHI 98-04 MONTERO SPORT 1.207 0.87 1.080 1.191 1.20 1.15 4.3 320
MITSUBISHI 03-06 OUTLANDER 1.187 0.68 1.074 1.151 1.15 1.10 4.5 315
MITSUBISHI 07-10 OUTLANDER 0.967 0.68 0.893 0.944 0.95 0.90 5.6 295
MITSUBISHI 06-09 RAIDER 1.698 0.29 1.052 1.228 1.212 1.20 1.25 -4.0 320
MITSUBISHI 98-99 3000GT 2 DR 0.970 0.22 0.895 0.941 0.95 1.00 -5.0 295
NISSAN 08-10 ALTIMA 2 DR 1.135 0.69 0.894 1.060 1.05 0.95 10.5 305
NISSAN 98-01 ALTIMA 4 DR 1.130 0.95 1.041 1.126 1.15 1.10 4.5 315
NISSAN 02-06 ALTIMA 4 DR 0.986 0.77 1.030 0.996 1.00 0.90 11.1 300
NISSAN 07-10 ALTIMA 4 DR 0.977 0.75 0.952 0.971 0.95 1.00 -5.0 295
NISSAN 07-10 ALTIMA HYBRID 4 DR 0.879 0.42 0.874 0.886 0.90 0.95 -5.3 290
NISSAN 04-10 ARMADA 1.016 0.78 1.033 1.020 1.044 1.05 1.05 0.0 305
NISSAN 09-10 CUBE 0.251 0.03 0.855 0.905 0.90 0.90 0.0 290
NISSAN 98-04 FRONTIER 0.991 0.93 1.057 0.996 1.00 1.05 -4.8 300
NISSAN 05-10 FRONTIER 0.961 0.65 0.958 0.960 0.960 0.95 1.00 -5.0 295
NISSAN 09-10 GT-R 2 DR 1.631 0.00 0.798 0.899 0.90 0.90 0.0 290
NISSAN 98-03 MAXIMA 4 DR 0.958 0.78 0.982 0.963 0.947 0.95 0.90 5.6 295
NISSAN 04-08 MAXIMA 4 DR 0.866 0.95 0.904 0.868 0.85 0.85 0.0 285
NISSAN 09-10 MAXIMA 4 DR 0.846 0.47 0.837 0.846 0.85 0.90 -5.6 285
NISSAN 03-07 MURANO 0.972 0.81 0.987 0.975 1.00 0.95 5.3 300
NISSAN 09-10 MURANO 0.770 0.65 0.932 0.827 0.85 0.95 -10.5 285
NISSAN 98-04 PATHFINDER 1.171 0.93 1.055 1.163 1.168 1.15 1.15 0.0 315
NISSAN 05-10 PATHFINDER 0.961 0.77 0.992 0.968 0.95 0.90 5.6 295
NISSAN 98-02 QUEST 0.921 0.83 0.815 0.903 0.905 0.90 0.85 5.9 290
NISSAN 04-09 QUEST 0.817 0.76 0.896 0.836 0.85 0.80 6.3 285
NISSAN 08-10 ROGUE 1.095 0.84 0.893 1.062 1.05 0.95 10.5 305
NISSAN 98-99 SENTRA 4 DR 1.067 0.89 0.993 1.059 1.05 1.05 0.0 305
NISSAN 00-06 SENTRA 4 DR 1.128 0.95 1.082 1.126 1.15 1.10 4.5 315
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-22
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
NISSAN 07-10 SENTRA 4 DR 1.136 0.63 1.041 1.101 1.10 1.15 -4.3 310
NISSAN 04-10 TITAN 1.128 0.78 0.998 1.100 1.10 1.10 0.0 310
NISSAN 07-10 VERSA 4 DR 0.995 0.95 1.058 0.998 1.00 1.00 0.0 300
NISSAN 00-04 XTERRA 1.093 0.84 1.112 1.096 1.10 1.05 4.8 310
NISSAN 05-10 XTERRA 0.951 0.46 0.993 0.974 0.95 1.00 -5.0 295
NISSAN 98 200SX 2 DR 0.989 0.62 0.952 0.975 0.95 1.00 -5.0 295
NISSAN 98 240SX 2 DR 0.577 0.11 0.950 0.928 0.95 0.95 0.0 295
NISSAN 03-10 370Z 2 DR 0.796 0.92 0.851 0.801 0.80 0.80 0.0 280
OLDSMOBILE 98 ACHIEVA 4 DR 1.160 0.25 1.041 1.061 1.038 1.05 1.05 0.0 305
OLDSMOBILE 99-04 ALERO 2 DR 1.124 0.65 1.028 1.090 1.109 1.10 1.10 0.0 310
OLDSMOBILE 99-04 ALERO 4 DR 1.095 0.92 1.006 1.088 1.085 1.10 1.05 4.8 310
OLDSMOBILE 98-99 AURORA 4 DR 0.974 0.75 1.004 0.981 0.959 0.95 0.95 0.0 295
OLDSMOBILE 01-03 AURORA 4 DR 0.940 0.53 0.923 0.932 0.920 0.90 0.95 -5.3 290
OLDSMOBILE 98-04 BRAVADA 1.023 0.63 1.103 1.053 1.049 1.05 1.05 0.0 305
OLDSMOBILE 98-99 CUTLASS 4 DR 1.087 0.55 1.041 1.067 1.065 1.05 1.00 5.0 305
OLDSMOBILE 98-99 EIGHTY EIGHT/LSS 4 DR 0.987 0.41 0.985 0.987 0.963 0.95 0.95 0.0 295
OLDSMOBILE 98-02 INTRIGUE 4 DR 0.974 0.88 0.948 0.971 1.013 1.00 1.00 0.0 300
OLDSMOBILE 98 REGENCY 4 DR 0.910 0.31 1.005 0.975 1.00 0.95 5.3 300
OLDSMOBILE 98-04 SILHOUETTE 0.886 0.82 0.908 0.890 0.913 0.90 0.90 0.0 290
PLYMOUTH 98-00 BREEZE 4 DR 1.269 0.78 1.087 1.229 1.158 1.15 1.25 -8.0 315
PLYMOUTH 98-99 NEON 2 DR 1.296 0.11 1.136 1.101 1.121 1.10 1.10 0.0 310
PLYMOUTH 98-01 NEON 4 DR 1.188 0.89 1.055 1.173 1.289 1.25 1.15 8.7 330
PLYMOUTH 99-01 PROWLER 2 DR 0.939 0.19 0.656 0.817 0.788 0.80 0.90 -11.1 280
PLYMOUTH 98-00 VOYAGER/GRAND VOYAGER 0.965 0.87 0.911 0.958 0.958 0.95 0.95 0.0 295
PONTIAC 01-05 AZTEK 1.047 0.92 1.060 1.048 0.972 0.95 1.05 -9.5 295
PONTIAC 98-99 BONNEVILLE 4 DR 0.891 0.71 0.986 0.919 0.963 0.95 0.95 0.0 295
PONTIAC 00-05 BONNEVILLE 4 DR 0.826 0.82 0.923 0.844 0.920 0.90 0.85 5.9 290
PONTIAC 98-02 FIREBIRD/TRANS AM 2 DR 0.834 0.69 0.911 0.858 0.868 0.85 0.90 -5.6 285
PONTIAC 98 GRAND AM 2 DR 1.141 0.17 1.097 1.073 1.05 1.10 -4.5 305
PONTIAC 99-05 GRAND AM 2 DR 1.106 0.94 1.034 1.102 1.109 1.10 1.10 0.0 310
PONTIAC 98 GRAND AM 4 DR 0.994 0.61 1.041 1.013 1.038 1.05 1.05 0.0 305
PONTIAC 99-05 GRAND AM 4 DR 1.104 0.77 1.012 1.083 1.085 1.10 1.05 4.8 310
PONTIAC 98-02 GRAND PRIX 2 DR 0.908 0.58 1.009 0.951 0.973 0.95 0.90 5.6 295
PONTIAC 98-08 GRAND PRIX 4 DR 1.032 0.82 0.961 1.019 1.013 1.00 1.00 0.0 300
PONTIAC 04-06 GTO 2 DR 1.045 0.57 1.029 1.038 1.05 1.05 0.0 305
PONTIAC 09 G3 4 DR 1.022 0.01 0.993 0.997 1.084 1.10 1.05 4.8 310
PONTIAC 07-09 G5 2 DR 1.225 0.19 1.115 1.100 1.198 1.20 1.15 4.3 320
PONTIAC 06-09 G6 2 DR 1.006 0.39 0.819 0.912 0.90 0.95 -5.3 290
PONTIAC 05-10 G6 4 DR 1.190 0.81 0.957 1.146 1.15 1.10 4.5 315
PONTIAC 08-09 G8 4 DR 0.827 0.33 0.876 0.881 0.90 0.90 0.0 290
PONTIAC 98-06 MONTANA SV6 0.879 0.91 0.911 0.882 0.913 0.90 0.90 0.0 290
PONTIAC 06-09 SOLSTICE 2 DR 0.495 0.53 0.717 0.599 0.572 0.80 0.80 0.0 255
PONTIAC 98-05 SUNFIRE 2 DR 1.159 0.90 1.066 1.150 1.115 1.10 1.15 -4.3 310
PONTIAC 98-02 SUNFIRE 4 DR 1.106 0.56 1.071 1.091 1.100 1.10 1.15 -4.3 310
PONTIAC 06-09 TORRENT 0.879 0.78 0.990 0.903 0.959 0.95 0.95 0.0 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-23
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
PONTIAC 03-10 VIBE 4 DR 0.795 0.77 0.847 0.807 0.838 0.85 0.85 0.0 285
PORSCHE 98-10 BOXSTER 2 DR 0.371 0.77 0.610 0.426 0.80 0.80 0.0 245
PORSCHE 03-10 CAYENNE 0.946 0.95 0.945 0.945 0.977 1.00 0.90 11.1 300
PORSCHE 06-10 CAYMAN 2 DR 0.487 0.46 0.775 0.652 0.80 0.80 0.0 265
PORSCHE 98 911 2 DR 0.268 0.07 0.760 0.829 0.85 0.80 6.3 285
PORSCHE 99-10 911 CARRERA 2 DR 0.398 0.71 0.675 0.479 0.80 0.80 0.0 250
SAAB 05-06 9-2X 4 DR 1.011 0.24 0.818 0.912 0.921 0.90 0.95 -5.3 290
SAAB 98-10 9-3 2 DR 0.559 0.72 0.689 0.596 0.80 0.80 0.0 260
SAAB 98-10 9-3 4 DR 0.695 0.95 0.841 0.702 0.80 0.80 0.0 270
SAAB 99-10 9-5 4 DR 0.719 0.89 0.873 0.736 0.80 0.80 0.0 275
SAAB 05-09 9-7X 0.978 0.61 0.957 0.970 0.95 1.05 -9.5 295
SAAB 98 9000 4 DR 0.715 0.04 0.849 0.913 0.90 0.90 0.0 290
SATURN 08-09 ASTRA 2 DR 0.406 0.07 0.803 0.860 0.85 0.90 -5.6 285
SATURN 08-09 ASTRA 4 DR 0.895 0.24 0.889 0.919 0.90 0.95 -5.3 290
SATURN 07-09 AURA 4 DR 0.906 0.85 0.971 0.915 0.933 0.95 0.90 5.6 295
SATURN 07-09 AURA HYBRID 4 DR 0.738 0.05 0.837 0.905 0.874 0.85 0.90 -5.6 285
SATURN 03-07 ION 4 DR 0.999 0.93 1.070 1.004 1.00 0.95 5.3 300
SATURN 00-05 L-SERIES 4 DR 0.914 0.91 1.000 0.922 0.90 0.90 0.0 290
SATURN 07-10 OUTLOOK 0.897 0.66 0.984 0.927 0.909 0.90 0.95 -5.3 290
SATURN 05-07 RELAY 1.011 0.63 0.857 0.954 0.913 0.90 0.90 0.0 290
SATURN 98-02 S-SERIES 2 DR 0.991 0.85 1.025 0.996 1.00 1.00 0.0 300
SATURN 98-02 S-SERIES 4 DR 0.907 0.97 1.036 0.911 0.90 0.90 0.0 290
SATURN 07-09 SKY 2 DR 0.571 0.66 0.637 0.594 0.572 0.80 0.80 0.0 255
SATURN 02-07 VUE 0.899 0.91 1.059 0.913 0.90 0.90 0.0 290
SATURN 08-09 VUE 0.769 0.66 0.911 0.817 0.80 0.95 -15.8 280
SATURN 07-09 VUE HYBRID 1.259 0.13 1.007 1.037 1.05 1.05 0.0 305
SCION 05-10 TC 2 DR 1.255 0.79 0.987 1.198 1.20 1.15 4.3 320
SCION 04-06 XA 4 DR 0.881 0.71 0.993 0.913 0.90 0.95 -5.3 290
SCION 04-06 XB 0.879 0.90 0.956 0.887 0.90 0.90 0.0 290
SCION 08-10 XB 0.808 0.80 0.934 0.833 0.85 0.95 -10.5 285
SCION 08-10 XD 4 DR 0.971 0.59 0.961 0.967 0.95 1.00 -5.0 295
SMART 08-10 FORTWO 2 DR 0.449 0.47 0.613 0.547 0.80 0.85 -5.9 255
SUBARU 03-06 BAJA 0.989 0.40 1.030 1.010 1.00 1.00 0.0 300
SUBARU 98-08 FORESTER 4 DR 0.808 0.95 0.850 0.810 0.80 0.80 0.0 280
SUBARU 09-10 FORESTER 4 DR 0.799 0.66 0.859 0.819 0.80 0.90 -11.1 280
SUBARU 98-01 IMPREZA 2 DR 0.776 0.24 1.046 0.969 0.95 1.00 -5.0 295
SUBARU 98-07 IMPREZA 4 DR 0.917 0.92 0.937 0.918 0.921 0.90 0.95 -5.3 290
SUBARU 08-10 IMPREZA 4 DR 0.969 0.62 0.859 0.927 0.90 0.90 0.0 290
SUBARU 98-10 LEGACY 4 DR 0.895 0.97 0.851 0.894 0.90 0.85 5.9 290
SUBARU 05-10 OUTBACK 0.780 0.87 1.000 0.809 0.80 0.85 -5.9 280
SUBARU 06-10 TRIBECA 0.967 0.66 0.936 0.957 0.95 0.95 0.0 295
SUZUKI 02-07 AERIO 4 DR 1.233 0.54 1.011 1.131 1.15 1.10 4.5 315
SUZUKI 09-10 EQUATOR 1.754 0.01 0.953 0.984 0.960 0.95 1.00 -5.0 295
SUZUKI 98-02 ESTEEM 4 DR 1.061 0.72 0.976 1.038 1.05 1.05 0.0 305
SUZUKI 04-08 FORENZA 4 DR 1.446 0.69 1.094 1.337 1.356 1.25 1.25 0.0 335
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-24
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
SUZUKI 99-05 GRAND VITARA 1.130 0.80 1.101 1.124 1.068 1.05 1.05 0.0 305
SUZUKI 06-10 GRAND VITARA 1.066 0.77 0.905 1.029 1.05 1.00 5.0 305
SUZUKI 01-06 GRAND VITARA XL-7 1.236 0.67 1.076 1.183 1.20 1.15 4.3 320
SUZUKI 05-08 RENO 4 DR 1.356 0.22 1.032 1.094 1.356 1.25 1.25 0.0 335
SUZUKI 98 SIDEKICK 0.888 0.48 1.054 0.973 0.865 0.85 1.00 -15.0 285
SUZUKI 98-01 SWIFT 2 DR 0.688 0.23 0.925 0.891 0.752 0.80 0.85 -5.9 275
SUZUKI 07-10 SX4 4 DR 1.141 0.19 0.963 1.008 1.00 1.05 -4.8 300
SUZUKI 04-06 VERONA 4 DR 1.428 0.24 1.073 1.139 1.15 1.15 0.0 315
SUZUKI 98 X-90 0.528 0.05 0.935 0.944 0.95 0.90 5.6 295
SUZUKI 07-09 XL7 1.291 0.17 0.917 1.008 1.00 1.00 0.0 300
TOYOTA 98-04 AVALON 4 DR 0.884 0.82 0.920 0.891 0.90 0.85 5.9 290
TOYOTA 05-10 AVALON 4 DR 0.804 0.81 0.903 0.823 0.80 0.80 0.0 280
TOYOTA 98-10 CAMRY 4 DR 0.981 0.99 0.933 0.980 1.00 0.95 5.3 300
TOYOTA 07-10 CAMRY HYBRID 4 DR 0.871 0.82 0.857 0.869 0.85 0.85 0.0 285
TOYOTA 99-08 CAMRY SOLARA 2 DR 0.924 0.87 0.937 0.926 0.95 0.90 5.6 295
TOYOTA 98-99 CELICA 2 DR 0.608 0.20 0.734 0.789 0.80 0.80 0.0 280
TOYOTA 00-05 CELICA 2 DR 1.083 0.84 0.878 1.051 1.05 1.05 0.0 305
TOYOTA 98-02 COROLLA 4 DR 0.984 0.91 1.063 0.992 0.993 1.00 1.00 0.0 300
TOYOTA 03-10 COROLLA 4 DR 0.987 1.00 1.008 0.987 1.00 0.95 5.3 300
TOYOTA 00-05 ECHO 2 DR 0.906 0.49 0.988 0.948 0.95 0.95 0.0 295
TOYOTA 00-05 ECHO 4 DR 0.941 0.77 0.964 0.946 0.95 0.95 0.0 295
TOYOTA 07-10 FJ CRUISER 1.074 0.91 0.955 1.063 1.05 1.00 5.0 305
TOYOTA 01-10 HIGHLANDER 0.866 0.97 0.947 0.868 0.910 0.90 0.85 5.9 290
TOYOTA 06-10 HIGHLANDER HYBRID 1.115 0.59 0.932 1.040 1.037 1.05 1.00 5.0 305
TOYOTA 98-10 LAND CRUISER 1.026 0.42 1.085 1.054 1.035 1.05 1.05 0.0 305
TOYOTA 03-10 MATRIX 4 DR 0.866 0.94 0.848 0.865 0.838 0.85 0.85 0.0 285
TOYOTA 00-05 MR2 SPYDER 2 DR 0.656 0.73 0.603 0.641 0.80 0.80 0.0 265
TOYOTA 01-03 PRIUS 4 DR 0.905 0.70 0.975 0.926 0.95 0.90 5.6 295
TOYOTA 04-09 PRIUS 4 DR 0.819 0.98 0.796 0.818 0.80 0.80 0.0 280
TOYOTA 10 PRIUS 4 DR 0.679 0.16 0.727 0.812 0.80 0.85 -5.9 280
TOYOTA 98-05 RAV4 0.931 0.90 1.031 0.941 0.95 0.95 0.0 295
TOYOTA 06-10 RAV4 0.888 0.93 0.876 0.888 0.90 0.90 0.0 290
TOYOTA 01-10 SEQUOIA 1.019 0.96 1.019 1.019 1.00 1.05 -4.8 300
TOYOTA 98-10 SIENNA 0.824 1.00 0.860 0.824 0.80 0.80 0.0 280
TOYOTA 98 SUPRA 2 DR 0.165 0.41 0.878 0.597 0.80 0.85 -5.9 260
TOYOTA 98-04 TACOMA 0.954 0.94 0.999 0.957 0.95 1.00 -5.0 295
TOYOTA 05-10 TACOMA 0.957 0.77 0.917 0.948 0.95 0.95 0.0 295
TOYOTA 98 TERCEL 2 DR 0.800 0.05 0.964 0.972 0.95 0.95 0.0 295
TOYOTA 00-06 TUNDRA 1.038 0.96 1.012 1.037 1.05 1.00 5.0 305
TOYOTA 07-10 TUNDRA 1.072 0.60 0.958 1.026 1.00 1.05 -4.8 300
TOYOTA 98 T100 0.995 0.18 0.982 0.990 1.00 1.05 -4.8 300
TOYOTA 09-10 VENZA 0.944 0.19 0.907 0.943 0.95 0.95 0.0 295
TOYOTA 07-10 YARIS 2 DR 0.896 0.66 0.943 0.912 0.90 1.00 -10.0 290
TOYOTA 07-10 YARIS 4 DR 1.122 0.69 1.012 1.088 1.10 1.20 -8.3 310
TOYOTA 98-10 4RUNNER 0.935 0.93 0.983 0.938 0.928 0.95 0.95 0.0 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-25
Exhibit 1-1: BI and PD Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
VOLKSWAGEN 98-02 CABRIO 2 DR 0.822 0.75 0.749 0.804 0.80 0.80 0.0 280
VOLKSWAGEN 09-10 CC 4 DR 0.674 0.14 0.841 0.875 0.90 0.90 0.0 290
VOLKSWAGEN 07-10 EOS 2 DR 0.765 0.52 0.613 0.692 0.80 0.80 0.0 270
VOLKSWAGEN 99-03 EUROVAN 0.839 0.51 0.892 0.865 0.85 0.90 -5.6 285
VOLKSWAGEN 98-99 GOLF 4 DR 0.926 0.33 0.901 0.926 0.95 0.90 5.6 295
VOLKSWAGEN 99-06 GOLF 4 DR 0.764 0.83 0.936 0.793 0.80 0.85 -5.9 280
VOLKSWAGEN 06-10 GOLF/GTI 2 DR 0.900 0.70 0.824 0.877 0.90 0.85 5.9 290
VOLKSWAGEN 06-10 GOLF/GTI 4 DR 0.804 0.82 0.852 0.812 0.80 0.85 -5.9 280
VOLKSWAGEN 99-06 GTI 2 DR 0.830 0.68 0.894 0.850 0.85 0.85 0.0 285
VOLKSWAGEN 98-99 JETTA 4 DR 0.944 0.49 0.976 0.960 0.95 0.95 0.0 295
VOLKSWAGEN 99-05 JETTA 4 DR 0.859 0.92 0.973 0.868 0.85 0.85 0.0 285
VOLKSWAGEN 05-10 JETTA 4 DR 0.912 0.78 0.907 0.911 0.90 0.85 5.9 290
VOLKSWAGEN 98-10 NEW BEETLE 2 DR 0.763 0.97 0.864 0.766 0.80 0.80 0.0 275
VOLKSWAGEN 98-01 PASSAT 4 DR 0.841 0.48 0.932 0.890 0.90 0.80 12.5 290
VOLKSWAGEN 01-05 PASSAT 4 DR 0.765 0.88 0.877 0.779 0.798 0.80 0.80 0.0 280
VOLKSWAGEN 06-10 PASSAT 4 DR 0.778 0.72 0.841 0.796 0.80 0.85 -5.9 280
VOLKSWAGEN 04-06 PHAETON 4 DR 0.681 0.21 1.017 0.942 0.95 0.95 0.0 295
VOLKSWAGEN 09-10 ROUTAN 0.829 0.09 0.812 0.891 0.958 0.95 0.85 11.8 295
VOLKSWAGEN 09-10 TIGUAN 0.462 0.24 0.886 0.814 0.80 0.95 -15.8 280
VOLKSWAGEN 04-10 TOUAREG 1.003 0.60 0.990 0.998 0.977 1.00 0.90 11.1 300
VOLVO 08-10 C30 2 DR 0.748 0.28 0.747 0.803 0.80 0.90 -11.1 280
VOLVO 98-04 C70 2 DR 0.752 0.61 0.664 0.718 0.80 0.80 0.0 270
VOLVO 06-10 C70 2 DR 0.646 0.66 0.588 0.626 0.80 0.80 0.0 260
VOLVO 00-04 S40/V40 4 DR 0.973 0.52 0.911 0.943 0.95 0.95 0.0 295
VOLVO 04-10 S40/V50 4 DR 0.850 0.70 0.865 0.855 0.85 0.85 0.0 285
VOLVO 98-00 S70/V70 4 DR 0.836 0.83 0.881 0.844 0.85 0.80 6.3 285
VOLVO 99-10 S80 4 DR 0.786 0.61 0.867 0.818 0.80 0.80 0.0 280
VOLVO 98 S90/V90 4 DR 0.902 0.31 0.954 0.946 0.95 0.95 0.0 295
VOLVO 01-10 V70 4 DR 0.804 0.95 0.835 0.805 0.80 0.80 0.0 280
VOLVO 10 XC60 1.843 0.03 0.892 0.972 0.95 0.95 0.0 295
VOLVO 03-10 XC70 0.784 0.79 0.857 0.799 0.80 0.80 0.0 280
VOLVO 03-10 XC90 0.989 0.80 0.855 0.962 0.95 0.95 0.0 295
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-26
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
ACURA 98-99 CL-SERIES 2 DR 0.962 0.37 0.962 0.967 0.95 1.05 -9.5 495
ACURA 01-03 CL-SERIES 2 DR 0.999 0.41 0.905 0.952 1.081 1.10 0.95 15.8 510
ACURA 98-01 INTEGRA 2 DR 1.068 0.68 0.888 1.010 1.00 1.05 -4.8 500
ACURA 98-01 INTEGRA 4 DR 1.309 0.16 1.047 1.073 1.05 1.05 0.0 505
ACURA 01-06 MDX 0.819 0.72 0.799 0.814 0.806 0.80 0.80 0.0 480
ACURA 07-10 MDX 0.597 0.58 0.760 0.666 0.80 0.80 0.0 465
ACURA 98-05 NSX 2 DR 0.564 0.07 0.807 0.873 0.85 0.85 0.0 485
ACURA 07-10 RDX 0.786 0.56 0.797 0.791 0.80 0.85 -5.9 480
ACURA 05-10 RL 4 DR 0.618 0.70 0.823 0.680 0.80 0.80 0.0 470
ACURA 98-04 RL-SERIES 4 DR 1.023 0.31 0.863 0.939 0.95 0.90 5.6 495
ACURA 02-06 RSX 2 DR 1.104 0.21 0.849 0.946 0.95 1.00 -5.0 495
ACURA 98-99 SLX 0.358 0.37 0.955 0.740 1.025 1.00 1.00 0.0 500
ACURA 09-10 TL 4 DR 1.201 0.15 0.848 0.954 0.95 0.90 5.6 495
ACURA 98 TL-SERIES 4 DR 1.462 0.39 1.012 1.186 1.20 1.20 0.0 520
ACURA 99-08 TL-SERIES 4 DR 0.924 0.93 0.943 0.926 0.95 0.95 0.0 495
ACURA 04-08 TSX 4 DR 0.835 0.89 0.900 0.842 0.85 0.90 -5.6 485
ACURA 09-10 TSX 4 DR 0.699 0.30 0.894 0.857 0.85 0.95 -10.5 485
AUDI 01-05 ALLROAD 0.334 0.88 0.767 0.386 0.80 0.80 0.0 440
AUDI 06-10 A3 4 DR 0.331 0.49 0.636 0.490 0.80 0.80 0.0 450
AUDI 09-10 A4/S4 4 DR 0.765 0.20 0.839 0.873 0.85 0.90 -5.6 485
AUDI 03-09 A4/S4/RS4 2 DR 0.516 0.77 0.637 0.544 0.80 0.80 0.0 455
AUDI 98-08 A4/S4/RS4 4 DR 0.645 0.59 0.900 0.750 0.718 0.80 0.80 0.0 470
AUDI 08-10 A5/S5 2 DR 0.387 0.11 0.768 0.816 0.80 0.85 -5.9 480
AUDI 98-10 A6/S6/RS6 4 DR 0.662 0.72 0.839 0.711 0.80 0.80 0.0 470
AUDI 98-03 A8/S8 4 DR 0.520 0.37 0.782 0.714 0.80 0.80 0.0 470
AUDI 04-10 A8/S8 4 DR 0.544 0.75 0.718 0.588 0.80 0.80 0.0 460
AUDI 98 CABRIOLET 2 DR 0.879 0.04 0.811 0.900 0.90 0.90 0.0 490
AUDI 09-10 Q5 0.000 0.02 0.767 0.863 0.85 0.90 -5.6 485
AUDI 07-10 Q7 0.741 0.45 0.739 0.753 0.80 0.80 0.0 475
AUDI 08-10 R8 2 DR 0.000 0.01 0.684 0.832 0.85 0.80 6.3 485
AUDI 00-06 TT 2 DR 0.592 0.86 0.754 0.615 0.80 0.80 0.0 460
AUDI 08-10 TT 2 DR 0.786 0.09 0.743 0.852 0.85 0.85 0.0 485
BMW 04-10 X3 0.628 0.68 0.786 0.678 0.80 0.80 0.0 470
BMW 00-10 X5 0.837 0.64 0.754 0.807 0.80 0.80 0.0 480
BMW 08-10 X6 1.459 0.03 0.725 0.876 0.90 0.85 5.9 490
BMW 98-10 Z4 2 DR 0.520 0.78 0.697 0.559 0.80 0.80 0.0 455
BMW 00-03 Z8 2 DR 0.214 0.20 0.538 0.612 0.80 0.80 0.0 460
BMW 08-10 1-SERIES 2 DR 0.569 0.14 0.756 0.818 0.80 0.85 -5.9 480
BMW 98-99 3-SERIES 2 DR 0.743 0.34 0.845 0.835 0.85 0.80 6.3 485
BMW 98 3-SERIES 4 DR 1.119 0.73 1.011 1.090 1.10 1.15 -4.3 510
BMW 99-05 3-SERIES 4 DR 0.901 0.70 0.893 0.899 0.90 0.85 5.9 490
BMW 00-06 3-SERIES/M3 2 DR 0.640 0.82 0.728 0.656 0.80 0.80 0.0 465
BMW 07-10 3-SERIES/M3 2 DR 0.652 0.72 0.731 0.674 0.80 0.80 0.0 465
BMW 06-10 3-SERIES/M3 4 DR 0.708 0.97 0.873 0.713 0.80 0.80 0.0 470
BMW 98-10 5-SERIES/M5 4 DR 0.829 0.72 0.830 0.829 0.85 0.80 6.3 485
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-27
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
BMW 04-10 6-SERIES/M6 2 DR 0.632 0.38 0.577 0.649 0.80 0.80 0.0 465
BMW 98-10 7-SERIES 4 DR 0.900 0.75 0.720 0.855 0.85 0.80 6.3 485
BUICK 98-05 CENTURY 4 DR 0.914 0.86 1.047 0.933 0.963 0.95 0.90 5.6 495
BUICK 08-10 ENCLAVE 0.824 0.37 0.780 0.825 0.624 0.80 0.80 0.0 460
BUICK 05-10 LACROSSE 4 DR 0.882 0.55 0.975 0.924 0.963 0.95 0.90 5.6 495
BUICK 98-99 LESABRE 4 DR 0.978 0.65 1.009 0.989 1.013 1.00 1.00 0.0 500
BUICK 00-05 LESABRE 4 DR 0.866 0.73 0.967 0.894 0.872 0.85 0.85 0.0 485
BUICK 06-10 LUCERNE 4 DR 0.854 0.27 0.965 0.943 0.95 0.90 5.6 495
BUICK 98-99 PARK AVENUE 4 DR 0.812 0.37 1.005 0.933 0.908 0.90 1.00 -10.0 490
BUICK 00-05 PARK AVENUE 4 DR 0.814 0.88 0.949 0.831 0.872 0.85 0.80 6.3 485
BUICK 04-07 RAINIER 0.740 0.54 0.945 0.834 1.003 1.00 1.00 0.0 500
BUICK 98-04 REGAL 4 DR 0.817 0.77 1.009 0.861 0.963 0.95 0.90 5.6 495
BUICK 02-07 RENDEZVOUS 0.797 0.57 0.945 0.861 0.893 0.90 0.80 12.5 490
BUICK 98-99 RIVIERA 2 DR 0.744 0.34 0.944 0.885 0.90 0.95 -5.3 490
BUICK 98 SKYLARK 4 DR 1.831 0.00 1.147 1.074 1.104 1.10 1.10 0.0 510
BUICK 05-07 TERRAZA 0.560 0.64 0.892 0.679 0.80 0.85 -5.9 470
CADILLAC 98-01 CATERA 4 DR 1.036 0.43 1.003 1.017 1.00 1.00 0.0 500
CADILLAC 03-10 CTS 4 DR 1.026 0.56 0.953 0.994 1.00 1.00 0.0 500
CADILLAC 98-99 DEVILLE 4 DR 1.119 0.36 0.896 0.991 1.00 1.00 0.0 500
CADILLAC 00-10 DTS 4 DR 0.906 0.67 0.894 0.902 0.872 0.85 0.85 0.0 485
CADILLAC 98-02 ELDORADO 2 DR 0.827 0.17 0.842 0.892 0.90 0.90 0.0 490
CADILLAC 99-10 ESCALADE 1.036 0.56 0.834 0.947 0.95 0.80 18.8 495
CADILLAC 03-10 ESCALADE ESV 0.677 0.68 0.800 0.716 0.80 0.80 0.0 470
CADILLAC 02-10 ESCALADE EXT 1.127 0.24 0.805 0.933 0.937 0.95 0.80 18.8 495
CADILLAC 09-10 ESCALADE HYBRID 0.948 0.01 0.705 0.852 0.85 0.80 6.3 485
CADILLAC 98-99 SEVILLE 4 DR 0.835 0.64 0.823 0.831 0.85 0.80 6.3 485
CADILLAC 00-04 SEVILLE 4 DR 0.834 0.23 0.823 0.873 0.872 0.85 0.85 0.0 485
CADILLAC 04-09 SRX 0.846 0.17 0.765 0.856 0.85 0.80 6.3 485
CADILLAC 10 SRX 0.000 0.00 0.768 0.884 0.90 0.90 0.0 490
CADILLAC 05-10 STS 4 DR 0.772 0.48 0.820 0.800 0.80 0.85 -5.9 480
CADILLAC 04-09 XLR 2 DR 0.440 0.36 0.531 0.564 0.80 0.80 0.0 460
CHEVROLET 98-05 ASTRO 0.904 0.87 1.085 0.927 0.987 1.00 1.00 0.0 500
CHEVROLET 02-10 AVALANCHE 0.881 0.29 0.959 0.945 0.937 0.95 0.80 18.8 495
CHEVROLET 04-10 AVEO 4 DR 1.665 0.48 1.230 1.434 1.421 1.25 1.25 0.0 540
CHEVROLET 98-02 CAMARO 2 DR 1.107 0.21 0.866 0.955 0.932 0.95 1.00 -5.0 495
CHEVROLET 10 CAMARO 2 DR 0.705 0.03 0.827 0.905 0.90 0.90 0.0 490
CHEVROLET 98-05 CAVALIER 2 DR 1.229 0.84 1.205 1.225 1.225 1.25 1.20 4.2 525
CHEVROLET 98-05 CAVALIER 4 DR 1.398 0.51 1.268 1.334 1.318 1.25 1.25 0.0 530
CHEVROLET 05-10 COBALT 2 DR 1.184 0.42 1.168 1.161 1.154 1.15 1.10 4.5 515
CHEVROLET 05-10 COBALT 4 DR 1.332 0.86 1.227 1.317 1.25 1.25 0.0 530
CHEVROLET 04-10 COLORADO 0.958 0.29 0.804 0.890 0.871 0.85 0.80 6.3 485
CHEVROLET 98-10 CORVETTE 2 DR 0.476 0.73 0.699 0.536 0.80 0.80 0.0 455
CHEVROLET 05-10 EQUINOX 1.061 0.70 0.932 1.022 1.007 1.00 1.00 0.0 500
CHEVROLET 98-10 EXPRESS 0.808 0.41 1.054 0.948 1.025 1.05 1.00 5.0 505
CHEVROLET 06-10 HHR 1.150 0.42 1.073 1.100 1.095 1.10 1.10 0.0 510
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-28
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
CHEVROLET 07-10 HHR PANEL 0.336 0.03 1.095 1.028 1.095 1.10 1.05 4.8 510
CHEVROLET 00-10 IMPALA 4 DR 1.011 0.72 1.018 1.013 0.963 0.95 0.90 5.6 495
CHEVROLET 98-01 LUMINA 4 DR 1.063 0.51 1.126 1.094 1.10 1.05 4.8 510
CHEVROLET 08-10 MALIBU 4 DR 0.945 0.72 0.925 0.939 0.924 0.90 0.90 0.0 490
CHEVROLET 98-05 MALIBU CLASSIC 4 DR 1.029 0.84 1.146 1.047 1.067 1.05 1.05 0.0 505
CHEVROLET 04-08 MALIBU CLASSIC 4 DR 1.183 0.45 1.067 1.116 1.10 1.10 0.0 510
CHEVROLET 08-10 MALIBU HYBRID 4 DR 0.118 0.02 0.894 0.929 0.911 0.90 0.90 0.0 490
CHEVROLET 04-07 MALIBU MAXX 4 DR 0.823 0.49 0.809 0.818 0.80 0.80 0.0 480
CHEVROLET 98-00 METRO 2 DR 1.459 0.02 1.206 1.112 1.115 1.10 1.15 -4.3 510
CHEVROLET 98-01 METRO 4 DR 1.243 0.55 1.329 1.282 1.25 1.25 0.0 530
CHEVROLET 98-99 MONTE CARLO 2 DR 0.713 0.79 1.044 0.782 0.80 0.90 -11.1 480
CHEVROLET 00-07 MONTE CARLO 2 DR 1.099 0.34 0.978 1.023 0.998 1.00 0.95 5.3 500
CHEVROLET 98-02 PRIZM 4 DR 1.006 0.58 1.171 1.076 1.10 1.15 -4.3 510
CHEVROLET 98-04 S-10 PICKUP 0.794 0.50 0.910 0.852 0.846 0.85 0.80 6.3 485
CHEVROLET 98-10 SILVERADO 0.690 0.93 0.732 0.693 0.699 0.80 0.80 0.0 470
CHEVROLET 09-10 SILVERADO HYBRID 0.000 0.00 0.533 0.767 0.767 0.80 0.80 0.0 475
CHEVROLET 03-06 SSR 0.330 0.97 0.679 0.340 0.80 0.80 0.0 435
CHEVROLET 98-10 SUBURBAN 0.855 0.68 0.929 0.879 0.841 0.85 0.85 0.0 485
CHEVROLET 98-10 TAHOE 0.855 0.93 0.945 0.861 0.850 0.85 0.80 6.3 485
CHEVROLET 08-10 TAHOE HYBRID 0.300 0.03 0.816 0.887 0.874 0.85 0.90 -5.6 485
CHEVROLET 98 TRACKER 0.904 0.20 1.201 1.081 1.134 1.15 1.15 0.0 515
CHEVROLET 99-04 TRACKER 1.364 0.40 1.139 1.215 1.247 1.25 1.25 0.0 525
CHEVROLET 98-09 TRAILBLAZER 1.043 0.79 1.005 1.035 1.003 1.00 1.00 0.0 500
CHEVROLET 02-06 TRAILBLAZER EXT 0.929 0.60 0.992 0.954 0.950 0.95 0.85 11.8 495
CHEVROLET 09-10 TRAVERSE 0.507 0.21 0.803 0.798 0.624 0.80 0.80 0.0 460
CHEVROLET 98-08 UPLANDER 1.162 0.71 1.007 1.117 1.083 1.10 1.00 10.0 510
CHRYSLER 07-09 ASPEN 0.901 0.28 0.870 0.907 0.90 1.05 -14.3 490
CHRYSLER 09 ASPEN HYBRID 0.000 0.00 0.808 0.904 0.904 0.90 1.05 -14.3 490
CHRYSLER 98-00 CIRRUS 4 DR 1.141 0.15 1.109 1.076 1.192 1.20 1.20 0.0 520
CHRYSLER 98-04 CONCORDE 4 DR 1.107 0.50 1.009 1.058 1.136 1.15 1.15 0.0 515
CHRYSLER 04-08 CROSSFIRE 2 DR 0.685 0.55 0.785 0.730 0.686 0.80 0.80 0.0 470
CHRYSLER 04-08 PACIFICA 0.990 0.43 0.920 0.956 0.95 0.85 11.8 495
CHRYSLER 01-02 PROWLER 2 DR 0.332 0.46 0.775 0.580 0.858 0.85 0.90 -5.6 485
CHRYSLER 01-10 PT CRUISER 1.168 0.55 1.137 1.154 1.15 1.05 9.5 515
CHRYSLER 05-08 PT CRUISER CONVERTIBLE 2 DR 1.131 0.38 0.839 0.970 0.95 1.15 -17.4 495
CHRYSLER 08-10 SEBRING 2 DR 0.678 0.35 0.761 0.768 0.80 0.85 -5.9 475
CHRYSLER 01-06 SEBRING 4 DR 1.337 0.82 1.093 1.293 1.273 1.25 1.20 4.2 525
CHRYSLER 07-10 SEBRING 4 DR 1.271 0.65 1.071 1.201 1.198 1.20 1.05 14.3 520
CHRYSLER 98-00 SEBRING CONVERTIBLE 2 DR 1.046 0.48 0.806 0.925 0.90 0.90 0.0 490
CHRYSLER 01-06 SEBRING CONVERTIBLE 2 DR 1.009 0.73 0.805 0.953 0.95 0.85 11.8 495
CHRYSLER 98-00 SEBRING COUPE 2 DR 0.971 0.38 0.977 0.977 0.998 1.00 1.00 0.0 500
CHRYSLER 01-05 SEBRING COUPE 2 DR 0.939 0.43 0.961 0.954 1.012 1.00 1.10 -9.1 500
CHRYSLER 98-10 TOWN & COUNTRY 1.013 0.62 0.996 1.007 1.087 1.10 0.95 15.8 510
CHRYSLER 00-03 VOYAGER 1.252 0.36 1.038 1.110 1.087 1.10 1.10 0.0 510
CHRYSLER 05-10 300 4 DR 1.128 0.74 0.922 1.074 1.05 1.10 -4.5 505
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-29
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
CHRYSLER 99-04 300M 4 DR 1.148 0.57 1.009 1.088 1.136 1.15 1.05 9.5 515
DAEWOO 99-02 LANOS 2 DR 1.150 0.49 1.205 1.176 1.15 1.25 -8.0 515
DAEWOO 99-02 LANOS 4 DR 1.645 0.20 1.348 1.303 1.25 1.25 0.0 530
DAEWOO 99-02 LEGANZA 4 DR 1.614 0.08 1.188 1.143 1.15 1.20 -4.2 515
DAEWOO 99-02 NUBIRA 4 DR 1.549 0.19 1.230 1.219 1.20 1.20 0.0 520
DODGE 98-00 AVENGER 2 DR 0.999 0.63 1.079 1.029 0.998 1.00 1.10 -9.1 500
DODGE 08-10 AVENGER 4 DR 1.290 0.38 1.057 1.138 1.198 1.20 1.05 14.3 520
DODGE 07-10 CALIBER 4 DR 1.322 0.25 0.942 1.052 1.05 1.25 -16.0 505
DODGE 08-10 CHALLENGER 2 DR 0.539 0.12 0.797 0.843 0.85 0.85 0.0 485
DODGE 06-10 CHARGER 4 DR 1.523 0.53 0.905 1.233 1.20 1.10 9.1 520
DODGE 98-04 DAKOTA 0.828 0.60 0.813 0.822 0.80 0.80 0.0 480
DODGE 05-10 DAKOTA 0.796 0.67 0.751 0.781 0.808 0.80 0.85 -5.9 480
DODGE 98-09 DURANGO 1.075 0.70 1.001 1.053 1.05 1.05 0.0 505
DODGE 09 DURANGO HYBRID 0.000 0.00 0.814 0.907 0.904 0.90 1.05 -14.3 490
DODGE 98-10 GRAND CARAVAN 1.127 0.84 1.021 1.110 1.087 1.10 1.10 0.0 510
DODGE 98-04 INTREPID 4 DR 1.187 0.90 1.009 1.169 1.136 1.15 1.15 0.0 515
DODGE 09-10 JOURNEY 0.555 0.26 0.843 0.806 0.80 0.95 -15.8 480
DODGE 05-08 MAGNUM 1.469 0.38 0.934 1.146 1.15 1.10 4.5 515
DODGE 98-99 NEON 2 DR 0.753 0.43 1.241 1.014 1.031 1.05 1.05 0.0 505
DODGE 98-05 NEON 4 DR 1.517 0.58 1.252 1.406 1.438 1.25 1.25 0.0 545
DODGE 07-10 NITRO 0.770 0.44 0.844 0.821 0.85 0.85 0.0 485
DODGE 06-10 RAM MEGA CAB PICKUP 0.710 0.65 0.643 0.686 0.80 0.80 0.0 470
DODGE 02-08 RAM PICKUP 1500 0.839 0.90 0.728 0.828 0.85 0.80 6.3 485
DODGE 09-10 RAM PICKUP 1500 0.584 0.13 0.588 0.740 0.80 0.80 0.0 475
DODGE 98-02 RAM PICKUP 2500/3500 0.732 0.56 0.732 0.732 0.80 0.80 0.0 475
DODGE 03-10 RAM PICKUP 2500/3500 0.732 0.62 0.661 0.705 0.80 0.80 0.0 470
DODGE 98-03 RAM VAN 0.948 0.26 1.100 1.037 1.05 0.95 10.5 505
DODGE 01-05 STRATUS 2 DR 1.078 0.32 1.024 1.037 1.012 1.00 1.10 -9.1 500
DODGE 98-00 STRATUS 4 DR 1.276 0.32 1.146 1.161 1.192 1.20 1.20 0.0 520
DODGE 01-06 STRATUS 4 DR 1.432 0.39 1.116 1.227 1.273 1.25 1.20 4.2 525
DODGE 98-10 VIPER 2 DR 1.037 0.04 0.701 0.852 0.85 0.80 6.3 485
EAGLE 98 TALON 2 DR 0.647 0.13 0.943 0.926 0.998 1.00 1.05 -4.8 500
FORD 98-00 CONTOUR 4 DR 1.081 0.56 1.154 1.113 1.096 1.10 1.15 -4.3 510
FORD 98-10 CROWN VICTORIA 4 DR 1.189 0.17 1.077 1.071 0.985 1.00 1.00 0.0 500
FORD 98-10 ECONOLINE 0.834 0.62 1.063 0.921 0.95 0.90 5.6 495
FORD 07-10 EDGE 0.761 0.61 0.830 0.788 0.760 0.80 0.80 0.0 475
FORD 01-10 ESCAPE 0.858 0.69 0.966 0.891 0.889 0.90 0.85 5.9 490
FORD 05-10 ESCAPE HYBRID 0.686 0.40 0.953 0.851 0.835 0.85 0.90 -5.6 485
FORD 98-02 ESCORT 4 DR 1.265 0.77 1.253 1.262 1.272 1.25 1.25 0.0 525
FORD 00-05 EXCURSION 0.980 0.26 0.889 0.940 0.95 0.95 0.0 495
FORD 98-10 EXPEDITION 1.041 0.84 0.946 1.026 1.021 1.00 1.00 0.0 500
FORD 07-10 EXPEDITION EL 1.014 0.31 0.801 0.905 0.901 0.90 0.90 0.0 490
FORD 98-10 EXPLORER 1.018 0.96 0.982 1.017 1.008 1.00 1.00 0.0 500
FORD 01-10 EXPLORER SPORT TRAC 0.998 0.87 1.011 1.000 1.00 0.95 5.3 500
FORD 98-10 F-150 0.859 0.76 0.755 0.834 0.832 0.85 0.80 6.3 485
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-30
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
FORD 99-10 F-250/F-350 SUPER DUTY 0.652 0.77 0.687 0.660 0.80 0.80 0.0 465
FORD 09-10 FLEX 0.608 0.17 0.804 0.836 0.836 0.85 0.90 -5.6 485
FORD 00-10 FOCUS 2 DR 0.954 0.81 1.087 0.979 1.00 1.00 0.0 500
FORD 00-10 FOCUS 4 DR 1.152 0.64 1.182 1.163 1.15 1.15 0.0 515
FORD 98-07 FREESTAR 1.057 0.86 0.994 1.048 1.041 1.05 1.05 0.0 505
FORD 06-10 FUSION 4 DR 1.153 0.28 1.077 1.082 1.052 1.05 0.90 16.7 505
FORD 10 FUSION HYBRID 4 DR 0.374 0.01 0.887 0.937 0.930 0.95 0.90 5.6 495
FORD 05-06 GT 2 DR 0.217 0.21 0.794 0.732 0.80 0.85 -5.9 475
FORD 98-04 MUSTANG 2 DR 1.093 0.73 0.970 1.059 1.05 1.00 5.0 505
FORD 05-10 MUSTANG 2 DR 0.942 0.49 0.966 0.954 0.95 1.00 -5.0 495
FORD 98-10 RANGER 0.850 0.93 0.897 0.853 0.854 0.85 0.85 0.0 485
FORD 98-07 TAURUS 4 DR 1.046 0.78 1.053 1.047 1.041 1.05 1.05 0.0 505
FORD 05-10 TAURUS 4 DR 1.025 0.32 0.998 1.007 0.967 0.95 0.90 5.6 495
FORD 05-09 TAURUS X 0.711 0.58 1.002 0.833 0.85 0.80 6.3 485
FORD 02-05 THUNDERBIRD 2 DR 0.379 0.75 0.766 0.476 0.80 0.80 0.0 450
FORD 10 TRANSIT CONNECT 0.000 0.00 0.963 0.981 1.00 0.95 5.3 500
FORD 98-03 ZX2 2 DR 1.266 0.34 1.248 1.214 1.20 1.20 0.0 520
GMC 07-10 ACADIA 0.448 0.70 0.785 0.549 0.624 0.80 0.80 0.0 460
GMC 04-10 CANYON 0.786 0.76 0.799 0.789 0.871 0.85 0.80 6.3 485
GMC 98-09 ENVOY 0.953 0.66 0.996 0.968 1.003 1.00 1.00 0.0 500
GMC 02-06 ENVOY XL 0.892 0.60 0.984 0.929 0.950 0.95 0.85 11.8 495
GMC 04-05 ENVOY XUV 1.147 0.13 1.001 1.020 1.00 1.00 0.0 500
GMC 98-05 SAFARI 0.994 0.20 1.083 1.040 0.987 1.00 1.00 0.0 500
GMC 98-10 SAVANA 1.463 0.01 1.057 1.033 1.025 1.05 1.00 5.0 505
GMC 98-10 SIERRA 0.712 0.54 0.726 0.718 0.699 0.80 0.80 0.0 470
GMC 09-10 SIERRA HYBRID 0.000 0.00 0.532 0.766 0.767 0.80 0.80 0.0 475
GMC 98-04 SONOMA 0.834 0.70 0.889 0.851 0.846 0.85 0.80 6.3 485
GMC 10 TERRAIN 0.000 0.00 0.820 0.910 1.007 1.00 0.90 11.1 500
GMC 98-10 YUKON 0.789 0.55 0.922 0.849 0.850 0.85 0.80 6.3 485
GMC 08-10 YUKON HYBRID 0.335 0.02 0.816 0.895 0.874 0.85 0.80 6.3 485
GMC 98-10 YUKON XL 0.796 0.68 0.906 0.831 0.841 0.85 0.80 6.3 485
HONDA 98-07 ACCORD 2 DR 1.096 0.91 0.966 1.084 1.081 1.10 1.10 0.0 510
HONDA 08-10 ACCORD 2 DR 1.253 0.59 0.839 1.083 1.10 0.90 22.2 510
HONDA 98-07 ACCORD 4 DR 1.048 0.99 1.045 1.048 1.05 1.05 0.0 505
HONDA 08-10 ACCORD 4 DR 0.990 0.85 0.896 0.976 1.00 0.95 5.3 500
HONDA 05-07 ACCORD HYBRID 4 DR 0.946 0.36 0.986 0.973 0.95 1.00 -5.0 495
HONDA 98-00 CIVIC 2 DR 1.052 0.96 1.140 1.055 1.05 1.10 -4.5 505
HONDA 01-05 CIVIC 2 DR 1.070 0.88 1.123 1.076 1.10 1.10 0.0 510
HONDA 06-10 CIVIC 2 DR 1.115 0.95 1.080 1.113 1.10 1.15 -4.3 510
HONDA 98-00 CIVIC 4 DR 1.124 0.82 1.216 1.140 1.15 1.20 -4.2 515
HONDA 01-05 CIVIC 4 DR 1.061 0.93 1.181 1.070 1.05 1.10 -4.5 505
HONDA 06-10 CIVIC 4 DR 1.153 0.67 1.146 1.150 1.15 1.25 -8.0 515
HONDA 03-05 CIVIC HYBRID 4 DR 0.918 0.57 1.062 0.980 1.00 1.05 -4.8 500
HONDA 06-10 CIVIC HYBRID 4 DR 0.888 0.63 1.021 0.937 0.95 1.05 -9.5 495
HONDA 98-06 CR-V 0.917 0.97 0.965 0.919 0.90 0.95 -5.3 490
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-31
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
HONDA 07-10 CR-V 0.832 0.61 0.844 0.837 0.85 0.90 -5.6 485
HONDA 03-10 ELEMENT 0.878 0.95 0.976 0.883 0.90 0.95 -5.3 490
HONDA 07-08 FIT 4 DR 0.971 0.59 1.011 0.987 1.00 1.05 -4.8 500
HONDA 09-10 FIT 4 DR 1.035 0.25 0.945 0.981 1.00 1.00 0.0 500
HONDA 00-06 INSIGHT 2 DR 1.103 0.05 0.905 0.958 0.95 1.05 -9.5 495
HONDA 10 INSIGHT 4 DR 1.239 0.02 0.781 0.895 0.90 0.95 -5.3 490
HONDA 99-10 ODYSSEY 0.755 0.82 0.944 0.789 0.80 0.80 0.0 480
HONDA 98 ODYSSEY 4 DR 0.949 0.16 1.023 1.003 1.006 1.00 1.00 0.0 500
HONDA 98-02 PASSPORT 1.520 0.47 1.029 1.259 1.312 1.25 1.15 8.7 530
HONDA 03-08 PILOT 0.793 0.87 0.883 0.804 0.806 0.80 0.80 0.0 480
HONDA 09-10 PILOT 0.658 0.40 0.798 0.762 0.80 0.90 -11.1 475
HONDA 98-01 PRELUDE 2 DR 0.917 0.42 0.968 0.949 0.95 1.00 -5.0 495
HONDA 06-10 RIDGELINE 0.790 0.40 0.548 0.690 0.80 0.80 0.0 470
HONDA 00-09 S2000 2 DR 0.762 0.64 0.820 0.783 0.80 0.85 -5.9 480
HUMMER 03-09 H2 0.573 0.42 0.902 0.771 0.80 0.80 0.0 480
HUMMER 05-09 H2 SUT 0.573 0.18 0.899 0.873 0.90 0.80 12.5 490
HUMMER 06-10 H3 0.815 0.61 0.933 0.861 0.85 0.80 6.3 485
HUMMER 09-10 H3T 1.321 0.00 0.592 0.796 0.80 0.80 0.0 480
HYUNDAI 98-10 ACCENT 2 DR 1.137 0.73 1.190 1.151 1.15 1.20 -4.2 515
HYUNDAI 98-10 ACCENT 4 DR 1.400 0.82 1.358 1.393 1.422 1.25 1.25 0.0 540
HYUNDAI 06-10 AZERA 4 DR 0.795 0.80 0.887 0.813 0.80 0.90 -11.1 480
HYUNDAI 98-06 ELANTRA 4 DR 1.268 0.86 1.267 1.268 1.25 1.25 0.0 525
HYUNDAI 07-10 ELANTRA 4 DR 1.217 0.75 1.261 1.228 1.25 1.15 8.7 525
HYUNDAI 07-08 ENTOURAGE 0.777 0.46 0.876 0.835 0.990 1.00 0.90 11.1 500
HYUNDAI 10 GENESIS 2 DR 1.305 0.01 0.838 0.922 0.90 0.90 0.0 490
HYUNDAI 09-10 GENESIS 4 DR 0.519 0.09 0.874 0.894 0.90 0.95 -5.3 490
HYUNDAI 01-06 SANTA FE 0.962 0.94 0.999 0.965 0.95 1.00 -5.0 495
HYUNDAI 07-10 SANTA FE 0.925 0.30 0.832 0.893 0.90 0.95 -5.3 490
HYUNDAI 98 SONATA 4 DR 1.244 0.40 1.147 1.171 1.15 1.15 0.0 515
HYUNDAI 99-10 SONATA 4 DR 1.158 0.94 1.080 1.153 1.199 1.20 1.25 -4.0 520
HYUNDAI 98-08 TIBURON 2 DR 1.483 0.44 1.116 1.271 1.25 1.20 4.2 525
HYUNDAI 05-10 TUCSON 1.067 0.81 0.909 1.037 1.095 1.10 1.10 0.0 510
HYUNDAI 07-10 VERACUZ 1.252 0.22 0.822 0.967 0.95 0.90 5.6 495
HYUNDAI 01-05 XG350 4 DR 1.300 0.59 1.004 1.179 1.195 1.20 1.25 -4.0 520
INFINITI 08-10 EX 4 DR 0.465 0.17 0.617 0.718 0.80 0.80 0.0 470
INFINITI 03-10 FX 0.910 0.52 0.792 0.853 0.85 0.80 6.3 485
INFINITI 99-02 G 4 DR 1.262 0.54 1.027 1.154 1.15 1.20 -4.2 515
INFINITI 03-10 G 4 DR 0.886 0.73 0.890 0.887 0.90 0.85 5.9 490
INFINITI 03-10 G 2 DR 1.048 0.56 0.834 0.954 0.95 0.85 11.8 495
INFINITI 98-04 I35 4 DR 1.100 0.96 0.995 1.096 1.177 1.20 1.05 14.3 520
INFINITI 06-10 M35/M45 4 DR 0.801 0.46 0.823 0.820 0.80 0.80 0.0 480
INFINITI 03-04 M45 4 DR 1.165 0.08 0.829 0.928 0.95 0.85 11.8 495
INFINITI 98-03 QX4 1.171 0.65 0.937 1.089 1.120 1.10 1.10 0.0 510
INFINITI 04-10 QX56 0.634 0.31 0.810 0.792 0.987 1.00 0.95 5.3 500
INFINITI 98-06 Q45 4 DR 1.133 0.34 0.888 0.989 1.00 0.95 5.3 500
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-32
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
ISUZU 04-08 ASCENDER 1.346 0.22 0.982 1.067 1.003 1.00 1.00 0.0 500
ISUZU 03-06 ASCENDER EXTENDED WHEELBASE 1.948 0.03 0.995 1.026 0.950 0.95 0.85 11.8 495
ISUZU 02-04 AXIOM 1.652 0.23 1.024 1.162 1.312 1.25 1.15 8.7 530
ISUZU 98-00 HOMBRE 0.738 0.52 1.002 0.865 0.846 0.85 0.80 6.3 485
ISUZU 06-08 I-290/I-370 0.696 0.15 0.869 0.889 0.871 0.85 0.80 6.3 485
ISUZU 98-99 OASIS 4 DR 1.008 0.04 1.023 1.012 1.006 1.00 1.00 0.0 500
ISUZU 98-04 RODEO 1.432 0.60 1.040 1.275 1.312 1.25 1.15 8.7 530
ISUZU 98-03 RODEO SPORT 1.119 0.41 1.160 1.129 1.15 1.10 4.5 515
ISUZU 98-02 TROOPER 1.056 0.64 1.014 1.041 1.025 1.00 1.00 0.0 500
ISUZU 99-01 VEHICROSS 0.954 0.07 1.027 1.010 1.00 1.00 0.0 500
JAGUAR 00-08 S-TYPE 4 DR 0.915 0.63 0.863 0.896 0.917 0.90 0.85 5.9 490
JAGUAR 02-08 X-TYPE 4 DR 1.090 0.39 0.957 1.014 1.00 1.00 0.0 500
JAGUAR 09-10 XF 4 DR 0.761 0.04 0.800 0.891 0.90 0.90 0.0 490
JAGUAR 98-03 XJ-SERIES 4 DR 0.705 0.57 0.781 0.738 0.80 0.80 0.0 475
JAGUAR 04-10 XJ-SERIES 4 DR 0.481 0.75 0.772 0.554 0.80 0.80 0.0 455
JAGUAR 98-06 XK-SERIES 2 DR 0.980 0.03 0.543 0.771 0.80 0.80 0.0 475
JAGUAR 07-10 XK-SERIES 2 DR 0.507 0.38 0.578 0.602 0.80 0.80 0.0 460
JEEP 98-01 CHEROKEE 0.881 0.70 0.964 0.906 0.90 0.95 -5.3 490
JEEP 06-10 COMMANDER 0.786 0.78 0.794 0.788 0.751 0.80 0.80 0.0 475
JEEP 07-10 COMPASS 0.840 0.50 0.941 0.891 0.90 0.90 0.0 490
JEEP 99-04 GRAND CHEROKEE 0.874 0.74 0.944 0.892 0.90 0.85 5.9 490
JEEP 05-10 GRAND CHEROKEE 0.739 0.96 0.855 0.744 0.751 0.80 0.80 0.0 475
JEEP 02-10 LIBERTY 0.997 0.86 0.957 0.991 1.00 1.00 0.0 500
JEEP 07-10 PATRIOT 0.786 0.61 0.963 0.855 0.85 0.95 -10.5 485
JEEP 98-06 WRANGLER 0.614 0.68 1.136 0.781 0.80 0.80 0.0 480
JEEP 07-10 WRANGLER 0.471 0.60 0.987 0.677 0.80 0.95 -15.8 470
JEEP 04-06 WRANGLER UNLIMITED 0.719 0.70 1.035 0.814 0.80 0.85 -5.9 480
JEEP 07-10 WRANGLER UNLIMITED 0.524 0.74 0.913 0.625 0.80 0.80 0.0 465
KIA 04-09 AMANTI 4 DR 1.782 0.15 0.955 1.095 1.195 1.20 1.25 -4.0 520
KIA 09 BORREGO 5.748 0.01 0.901 0.998 1.00 0.90 11.1 500
KIA 10 FORTE 4 DR 0.926 0.00 1.059 1.029 1.05 1.05 0.0 505
KIA 01-06 OPTIMA 4 DR 1.701 0.21 1.147 1.221 1.199 1.20 1.25 -4.0 520
KIA 06-10 OPTIMA 4 DR 1.770 0.14 1.094 1.155 1.15 1.20 -4.2 515
KIA 01-05 RIO 4 DR 1.685 0.14 1.374 1.283 1.25 1.25 0.0 530
KIA 06-10 RIO 4 DR 1.805 0.18 1.267 1.279 1.422 1.25 1.25 0.0 540
KIA 07-10 RONDO 4 DR 1.332 0.33 0.749 0.984 1.00 0.85 17.6 500
KIA 02-05 SEDONA 1.462 0.41 1.079 1.229 1.20 1.15 4.3 520
KIA 06-10 SEDONA 1.246 0.34 0.876 1.021 0.990 1.00 0.90 11.1 500
KIA 98-01 SEPHIA 4 DR 1.574 0.41 1.306 1.388 1.25 1.25 0.0 540
KIA 03-09 SORENTO 1.333 0.71 1.062 1.254 1.25 1.25 0.0 525
KIA 10 SOUL 1.921 0.03 1.194 1.125 1.10 1.05 4.8 510
KIA 00-04 SPECTRA 4 DR 1.551 0.39 1.221 1.325 1.25 1.25 0.0 530
KIA 04-09 SPECTRA 4 DR 1.781 0.47 1.240 1.488 1.25 1.25 0.0 545
KIA 98-02 SPORTAGE 1.586 0.75 1.191 1.487 1.25 1.25 0.0 550
KIA 05-10 SPORTAGE 1.196 0.56 0.932 1.080 1.095 1.10 1.10 0.0 510
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-33
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
KIA 99-02 SPORTAGE CONVERTIBLE 1.717 0.05 1.296 1.184 1.20 1.15 4.3 520
LAND ROVER 98 DISCOVERY 1.232 0.22 1.014 1.058 1.05 1.00 5.0 505
LAND ROVER 99-04 DISCOVERY 1.036 0.26 0.978 0.998 1.00 0.95 5.3 500
LAND ROVER 02-05 FREELANDER 0.955 0.38 0.960 0.963 0.95 0.95 0.0 495
LAND ROVER 08-10 LR2 0.563 0.25 0.791 0.786 0.80 0.90 -11.1 480
LAND ROVER 05-10 LR4 0.485 0.47 0.810 0.663 0.80 0.80 0.0 465
LAND ROVER 98-02 RANGE ROVER 1.020 0.13 0.880 0.943 0.95 0.90 5.6 495
LAND ROVER 03-10 RANGE ROVER 0.509 0.71 0.667 0.555 0.80 0.80 0.0 455
LAND ROVER 06-10 RANGE ROVER SPORT 0.581 0.71 0.810 0.647 0.80 0.80 0.0 465
LEXUS 98-10 ES 4 DR 0.976 0.85 0.958 0.974 0.95 1.00 -5.0 495
LEXUS 98-10 GS 4 DR 1.145 0.55 0.830 1.003 1.00 0.95 5.3 500
LEXUS 07-10 GS HYBRID 4 DR 1.077 0.05 0.816 0.912 0.90 0.90 0.0 490
LEXUS 03-10 GX 0.726 0.64 0.832 0.764 0.80 0.90 -11.1 475
LEXUS 10 HS HYBRID 4 DR 0.000 0.00 0.887 0.944 0.95 0.95 0.0 495
LEXUS 10 IS 2 DR 0.000 0.00 0.622 0.811 0.80 0.80 0.0 480
LEXUS 01-05 IS 4 DR 1.285 0.72 0.979 1.200 1.20 1.10 9.1 520
LEXUS 06-10 IS 4 DR 0.881 0.86 0.889 0.882 0.90 0.90 0.0 490
LEXUS 98-00 LS 4 DR 1.100 0.06 0.829 0.921 0.90 0.80 12.5 490
LEXUS 01-06 LS 4 DR 0.790 0.62 0.823 0.803 0.80 0.80 0.0 480
LEXUS 07-10 LS 4 DR 0.515 0.63 0.724 0.592 0.80 0.80 0.0 460
LEXUS 08-10 LS HYBRID 4 DR 0.030 0.03 0.705 0.823 0.80 0.85 -5.9 480
LEXUS 98-10 LX 0.783 0.54 0.763 0.774 0.772 0.80 0.80 0.0 475
LEXUS 99-10 RX 0.909 0.72 0.827 0.886 0.880 0.90 0.90 0.0 490
LEXUS 06-10 RX HYBRID 0.508 0.81 0.767 0.557 0.583 0.80 0.80 0.0 460
LEXUS 98-00 SC 2 DR 1.350 0.11 0.891 0.984 1.00 1.00 0.0 500
LEXUS 02-10 SC 2 DR 0.550 0.52 0.568 0.558 0.80 0.80 0.0 455
LINCOLN 03-05 AVIATOR 0.920 0.20 0.888 0.928 1.008 1.00 0.85 17.6 500
LINCOLN 02 BLACKWOOD 0.754 0.24 0.923 0.903 1.021 1.00 1.00 0.0 500
LINCOLN 98-02 CONTINENTAL 4 DR 1.039 0.30 0.943 0.983 1.00 0.95 5.3 500
LINCOLN 00-06 LS 4 DR 0.919 0.64 0.940 0.927 0.917 0.90 0.85 5.9 490
LINCOLN 06-08 MARK LT 0.792 0.21 0.656 0.784 0.832 0.85 0.80 6.3 485
LINCOLN 98 MARK VIII 2 DR 1.173 0.04 0.886 0.950 0.95 0.95 0.0 495
LINCOLN 09-10 MKS 4 DR 0.621 0.12 0.816 0.863 0.85 0.90 -5.6 485
LINCOLN 10 MKT 0.000 0.00 0.747 0.874 0.836 0.85 0.90 -5.6 485
LINCOLN 07-10 MKX 0.788 0.81 0.801 0.790 0.760 0.80 0.80 0.0 475
LINCOLN 06-10 MKZ 4 DR 0.982 0.25 1.002 0.996 1.052 1.05 0.90 16.7 505
LINCOLN 98-10 NAVIGATOR 1.029 0.79 0.891 1.000 1.021 1.00 1.00 0.0 500
LINCOLN 07-10 NAVIGATOR L 0.921 0.10 0.797 0.890 0.901 0.90 0.90 0.0 490
LINCOLN 98-10 TOWN CAR 4 DR 1.186 0.46 1.014 1.093 1.10 1.00 10.0 510
LOTUS 05-10 ELISE 2 DR 0.884 0.03 0.835 0.914 0.917 0.90 1.00 -10.0 490
LOTUS 06-10 EXIGE 2 DR 0.684 0.01 0.947 0.971 0.917 0.90 1.00 -10.0 490
MAZDA 98-09 B-SERIES PICKUP 0.851 0.78 0.908 0.864 0.854 0.85 0.85 0.0 485
MAZDA 07-10 CX-7 0.885 0.49 0.831 0.859 0.85 1.00 -15.0 485
MAZDA 07-10 CX-9 0.593 0.69 0.821 0.664 0.760 0.80 0.80 0.0 475
MAZDA 04-10 MAZDA3 4 DR 0.871 0.81 1.122 0.919 0.90 0.95 -5.3 490
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-34
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
MAZDA 06-10 MAZDA5 4 DR 0.971 0.45 0.864 0.919 0.90 0.95 -5.3 490
MAZDA 03-08 MAZDA6 4 DR 1.016 0.79 1.039 1.021 1.00 1.10 -9.1 500
MAZDA 09-10 MAZDA6 4 DR 0.853 0.17 0.901 0.925 0.95 0.95 0.0 495
MAZDA 98-02 MILLENIA 4 DR 1.221 0.45 1.013 1.106 1.10 1.15 -4.3 510
MAZDA 98 MPV 0.990 0.21 1.011 1.003 1.00 1.05 -4.8 500
MAZDA 00-06 MPV 0.962 0.86 1.017 0.970 0.95 1.00 -5.0 495
MAZDA 99-10 MX-5 MIATA 2 DR 0.729 0.64 0.840 0.769 0.80 0.80 0.0 475
MAZDA 98 PROTEGE 4 DR 1.209 0.28 1.290 1.204 1.20 1.25 -4.0 520
MAZDA 99-03 PROTEGE 4 DR 1.059 0.41 1.158 1.103 1.10 1.10 0.0 510
MAZDA 04-10 RX-8 4 DR 0.884 0.46 0.926 0.910 0.90 0.85 5.9 490
MAZDA 01-10 TRIBUTE 0.971 0.65 0.970 0.971 0.889 0.90 0.95 -5.3 490
MAZDA 08-10 TRIBUTE HYBRID 0.000 0.00 0.953 0.976 0.835 0.85 0.95 -10.5 485
MAZDA 98-02 626 4 DR 1.317 0.48 1.116 1.210 1.20 1.25 -4.0 520
MERCEDES-BENZ 02-05 C-CLASS 2 DR 0.952 0.60 0.841 0.907 0.90 0.95 -5.3 490
MERCEDES-BENZ 98-00 C-CLASS 4 DR 1.263 0.49 0.952 1.105 1.10 1.10 0.0 510
MERCEDES-BENZ 01-07 C-CLASS 4 DR 0.992 0.76 0.872 0.964 0.95 0.95 0.0 495
MERCEDES-BENZ 08-10 C-CLASS 4 DR 0.839 0.61 0.883 0.856 0.85 0.95 -10.5 485
MERCEDES-BENZ 98-99 CL-CLASS 2 DR 0.674 0.16 0.725 0.810 0.80 0.80 0.0 480
MERCEDES-BENZ 00-10 CL-CLASS 2 DR 0.978 0.16 0.668 0.830 0.85 0.80 6.3 485
MERCEDES-BENZ 98-09 CLK-CLASS 2 DR 0.902 0.81 0.699 0.863 0.85 0.80 6.3 485
MERCEDES-BENZ 06-10 CLS-CLASS 4 DR 0.700 0.56 0.671 0.687 0.80 0.80 0.0 470
MERCEDES-BENZ 10 E-CLASS 2 DR 0.211 0.00 0.768 0.884 0.90 0.85 5.9 490
MERCEDES-BENZ 98-10 E-CLASS 4 DR 0.832 0.86 0.814 0.830 0.85 0.85 0.0 485
MERCEDES-BENZ 02-10 G-CLASS 0.483 0.35 0.722 0.680 0.80 0.80 0.0 470
MERCEDES-BENZ 07-10 GL-CLASS 0.560 0.53 0.736 0.643 0.80 0.85 -5.9 465
MERCEDES-BENZ 10 GLK-CLASS 0.654 0.04 0.831 0.902 0.90 0.90 0.0 490
MERCEDES-BENZ 06-10 M-CLASS 0.849 0.59 0.753 0.809 0.80 0.90 -11.1 480
MERCEDES-BENZ 98-05 ML-CLASS 1.139 0.70 0.875 1.060 1.05 1.00 5.0 505
MERCEDES-BENZ 06-10 R-CLASS 0.826 0.24 0.750 0.833 0.85 0.85 0.0 485
MERCEDES-BENZ 98-99 S-CLASS 4 DR 0.754 0.49 0.790 0.774 0.80 0.80 0.0 480
MERCEDES-BENZ 00-10 S-CLASS 4 DR 0.867 0.32 0.723 0.819 0.80 0.80 0.0 480
MERCEDES-BENZ 98-09 SL-CLASS 2 DR 0.544 0.40 0.529 0.582 0.80 0.80 0.0 460
MERCEDES-BENZ 98-10 SLK-CLASS 2 DR 0.670 0.51 0.677 0.674 0.686 0.80 0.80 0.0 470
MERCEDES-BENZ 03-10 SPRINTER 0.604 0.22 0.921 0.873 0.90 0.85 5.9 490
MERCURY 99-02 COUGAR 2 DR 1.008 0.80 1.027 1.012 1.00 1.05 -4.8 500
MERCURY 98-10 GRAND MARQUIS 4 DR 0.865 0.83 1.076 0.901 0.985 1.00 0.85 17.6 500
MERCURY 03-04 MARAUDER 4 DR 1.072 0.04 1.070 1.038 0.985 1.00 1.00 0.0 500
MERCURY 05-10 MARINER 0.732 0.28 0.932 0.891 0.889 0.90 0.95 -5.3 490
MERCURY 06-10 MARINER HYBRID 0.644 0.18 0.948 0.910 0.835 0.85 0.90 -5.6 485
MERCURY 06-10 MILAN 4 DR 0.855 0.21 1.036 0.988 1.052 1.05 0.90 16.7 505
MERCURY 10 MILAN HYBRID 4 DR 0.000 0.00 0.887 0.944 0.930 0.95 0.90 5.6 495
MERCURY 04-07 MONTEREY 0.791 0.32 0.955 0.911 1.041 1.05 1.05 0.0 505
MERCURY 98-10 MOUNTAINEER 0.974 0.88 0.983 0.975 1.008 1.00 1.00 0.0 500
MERCURY 98-00 MYSTIQUE 4 DR 0.978 0.61 1.158 1.048 1.096 1.10 1.15 -4.3 510
MERCURY 98-05 SABLE 4 DR 1.026 0.66 1.008 1.020 1.041 1.05 1.05 0.0 505
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-35
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
MERCURY 05-09 SABLE 4 DR 0.722 0.24 0.997 0.932 0.967 0.95 0.90 5.6 495
MERCURY 98-99 TRACER 4 DR 1.401 0.24 1.261 1.227 1.272 1.25 1.25 0.0 525
MERCURY 98-02 VILLAGER 1.063 0.37 1.011 1.029 1.05 1.05 0.0 505
MINI 02-10 COOPER 2 DR 0.595 0.83 0.873 0.643 0.80 0.80 0.0 465
MINI 08-10 COOPER CLUBMAN 4 DR 0.500 0.14 0.689 0.775 0.80 0.90 -11.1 475
MITSUBISHI 98-04 DIAMANTE 4 DR 1.436 0.36 1.009 1.162 1.15 1.25 -8.0 515
MITSUBISHI 98-99 ECLIPSE 2 DR 1.164 0.28 0.917 1.005 0.998 1.00 1.05 -4.8 500
MITSUBISHI 00-05 ECLIPSE 2 DR 1.110 0.71 0.874 1.041 1.012 1.00 1.10 -9.1 500
MITSUBISHI 06-10 ECLIPSE 2 DR 1.223 0.76 0.873 1.139 1.15 1.10 4.5 515
MITSUBISHI 04-10 ENDEAVOR 1.380 0.48 0.910 1.138 1.15 1.10 4.5 515
MITSUBISHI 98 GALANT 4 DR 1.237 0.63 1.147 1.204 1.20 1.25 -4.0 520
MITSUBISHI 99-03 GALANT 4 DR 1.540 0.83 1.132 1.470 1.25 1.25 0.0 545
MITSUBISHI 04-10 GALANT 4 DR 1.646 0.36 1.082 1.273 1.25 1.25 0.0 525
MITSUBISHI 02-07 LANCER 4 DR 1.553 0.75 1.231 1.473 1.25 1.25 0.0 545
MITSUBISHI 08-10 LANCER 4 DR 1.213 0.53 1.158 1.187 1.20 1.10 9.1 520
MITSUBISHI 98-02 MIRAGE 2 DR 1.610 0.34 1.259 1.337 1.25 1.25 0.0 530
MITSUBISHI 98-01 MIRAGE 4 DR 1.776 0.32 1.304 1.400 1.25 1.25 0.0 540
MITSUBISHI 01-06 MONTERO 1.496 0.28 0.888 1.083 1.05 1.15 -8.7 505
MITSUBISHI 98-04 MONTERO SPORT 1.568 0.93 1.028 1.530 1.25 1.25 0.0 555
MITSUBISHI 03-06 OUTLANDER 1.454 0.48 1.033 1.234 1.25 1.20 4.2 525
MITSUBISHI 07-10 OUTLANDER 1.004 0.54 0.843 0.930 0.95 0.95 0.0 495
MITSUBISHI 06-09 RAIDER 1.620 0.09 0.774 0.943 0.808 0.80 0.85 -5.9 480
MITSUBISHI 98-99 3000GT 2 DR 0.924 0.12 0.811 0.896 0.90 0.95 -5.3 490
NISSAN 08-10 ALTIMA 2 DR 1.397 0.54 0.923 1.179 1.15 0.95 21.1 515
NISSAN 98-01 ALTIMA 4 DR 1.357 0.91 1.147 1.338 1.25 1.25 0.0 535
NISSAN 02-06 ALTIMA 4 DR 1.350 0.75 1.130 1.295 1.25 1.25 0.0 530
NISSAN 07-10 ALTIMA 4 DR 1.357 0.54 1.032 1.207 1.20 1.15 4.3 520
NISSAN 07-10 ALTIMA HYBRID 4 DR 0.652 0.22 0.935 0.891 0.90 1.00 -10.0 490
NISSAN 04-10 ARMADA 1.277 0.48 0.838 1.052 0.987 1.00 0.95 5.3 500
NISSAN 09-10 CUBE 0.214 0.01 1.193 1.089 1.10 1.05 4.8 510
NISSAN 98-04 FRONTIER 0.920 0.68 0.921 0.920 0.90 0.85 5.9 490
NISSAN 05-10 FRONTIER 0.985 0.56 0.740 0.878 0.872 0.85 0.90 -5.6 485
NISSAN 09-10 GT-R 2 DR 0.054 0.01 0.678 0.830 0.85 0.80 6.3 485
NISSAN 98-03 MAXIMA 4 DR 1.243 0.76 1.012 1.188 1.177 1.20 1.20 0.0 520
NISSAN 04-08 MAXIMA 4 DR 1.464 0.62 0.967 1.275 1.25 1.25 0.0 525
NISSAN 09-10 MAXIMA 4 DR 1.349 0.25 0.894 1.034 1.05 1.15 -8.7 505
NISSAN 03-07 MURANO 1.051 0.88 0.911 1.034 1.05 1.00 5.0 505
NISSAN 09-10 MURANO 1.027 0.44 0.826 0.925 0.90 0.90 0.0 490
NISSAN 98-04 PATHFINDER 1.118 0.97 0.934 1.112 1.120 1.10 1.20 -8.3 510
NISSAN 05-10 PATHFINDER 1.152 0.80 0.895 1.100 1.10 1.10 0.0 510
NISSAN 98-02 QUEST 1.303 0.74 0.918 1.203 1.20 1.15 4.3 520
NISSAN 04-09 QUEST 1.330 0.37 0.982 1.113 1.10 1.10 0.0 510
NISSAN 08-10 ROGUE 1.294 0.52 0.861 1.086 1.10 0.95 15.8 510
NISSAN 98-99 SENTRA 4 DR 1.268 0.34 1.241 1.212 1.20 1.25 -4.0 520
NISSAN 00-06 SENTRA 4 DR 1.393 0.96 1.259 1.387 1.25 1.25 0.0 540
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-36
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
NISSAN 07-10 SENTRA 4 DR 1.571 0.39 1.147 1.296 1.25 1.25 0.0 530
NISSAN 04-10 TITAN 1.060 0.81 0.686 0.989 1.00 0.90 11.1 500
NISSAN 07-10 VERSA 4 DR 1.325 0.64 1.141 1.258 1.25 1.15 8.7 525
NISSAN 00-04 XTERRA 1.058 0.71 1.044 1.054 1.05 1.00 5.0 505
NISSAN 05-10 XTERRA 0.842 0.74 0.931 0.865 0.85 0.90 -5.6 485
NISSAN 98 200SX 2 DR 1.164 0.51 1.121 1.143 1.15 1.15 0.0 515
NISSAN 98 240SX 2 DR 1.487 0.02 0.980 1.000 1.00 1.00 0.0 500
NISSAN 03-10 370Z 2 DR 0.890 0.86 0.875 0.888 0.90 0.85 5.9 490
OLDSMOBILE 98 ACHIEVA 4 DR 1.427 0.08 1.147 1.108 1.104 1.10 1.10 0.0 510
OLDSMOBILE 99-04 ALERO 2 DR 0.850 0.64 1.042 0.919 0.893 0.90 0.95 -5.3 490
OLDSMOBILE 99-04 ALERO 4 DR 1.034 0.44 1.101 1.066 1.122 1.10 1.10 0.0 510
OLDSMOBILE 98-99 AURORA 4 DR 0.882 0.40 0.968 0.937 0.908 0.90 1.00 -10.0 490
OLDSMOBILE 01-03 AURORA 4 DR 0.683 0.47 0.961 0.831 0.872 0.85 0.85 0.0 485
OLDSMOBILE 98-04 BRAVADA 0.828 0.23 1.020 0.971 1.003 1.00 1.00 0.0 500
OLDSMOBILE 98-99 CUTLASS 4 DR 1.250 0.12 1.147 1.104 1.067 1.05 1.05 0.0 505
OLDSMOBILE 98-99 EIGHTY EIGHT/LSS 4 DR 0.905 0.14 1.009 0.991 1.013 1.00 1.00 0.0 500
OLDSMOBILE 98-02 INTRIGUE 4 DR 0.930 0.56 0.990 0.956 0.963 0.95 0.90 5.6 495
OLDSMOBILE 98 REGENCY 4 DR 0.427 0.41 1.003 0.766 0.80 0.95 -15.8 480
OLDSMOBILE 98-04 SILHOUETTE 1.089 0.25 1.012 1.028 1.083 1.05 0.85 23.5 505
PLYMOUTH 98-00 BREEZE 4 DR 1.094 0.47 1.216 1.152 1.192 1.20 1.20 0.0 520
PLYMOUTH 98-99 NEON 2 DR 1.131 0.22 1.237 1.147 1.031 1.05 1.05 0.0 505
PLYMOUTH 98-01 NEON 4 DR 1.718 0.23 1.280 1.305 1.438 1.25 1.25 0.0 545
PLYMOUTH 99-01 PROWLER 2 DR 1.044 0.14 0.775 0.893 0.858 0.85 0.90 -5.6 485
PLYMOUTH 98-00 VOYAGER/GRAND VOYAGER 1.219 0.51 1.044 1.133 1.087 1.10 1.10 0.0 510
PONTIAC 01-05 AZTEK 1.011 0.42 0.971 0.990 0.893 0.90 1.00 -10.0 490
PONTIAC 98-99 BONNEVILLE 4 DR 1.227 0.25 1.009 1.061 1.013 1.00 1.00 0.0 500
PONTIAC 00-05 BONNEVILLE 4 DR 0.830 0.58 0.961 0.885 0.872 0.85 0.85 0.0 485
PONTIAC 98-02 FIREBIRD/TRANS AM 2 DR 0.920 0.30 0.832 0.892 0.932 0.95 0.95 0.0 495
PONTIAC 98 GRAND AM 2 DR 1.260 0.06 1.077 1.054 1.05 1.05 0.0 505
PONTIAC 99-05 GRAND AM 2 DR 0.878 0.83 1.048 0.907 0.893 0.90 0.95 -5.3 490
PONTIAC 98 GRAND AM 4 DR 1.026 0.15 1.147 1.078 1.104 1.10 1.10 0.0 510
PONTIAC 99-05 GRAND AM 4 DR 1.174 0.89 1.104 1.166 1.122 1.10 1.10 0.0 510
PONTIAC 98-02 GRAND PRIX 2 DR 0.781 0.25 0.951 0.921 0.998 1.00 0.95 5.3 500
PONTIAC 98-08 GRAND PRIX 4 DR 0.960 0.55 0.998 0.977 0.963 0.95 0.90 5.6 495
PONTIAC 04-06 GTO 2 DR 0.980 0.31 0.944 0.966 0.95 1.00 -5.0 495
PONTIAC 09 G3 4 DR 1.280 0.01 1.106 1.056 1.421 1.25 1.20 4.2 540
PONTIAC 07-09 G5 2 DR 1.059 0.34 1.167 1.103 1.154 1.15 1.10 4.5 515
PONTIAC 06-09 G6 2 DR 0.789 0.30 0.843 0.858 0.85 0.90 -5.6 485
PONTIAC 05-10 G6 4 DR 1.008 0.56 1.022 1.014 1.00 0.80 25.0 500
PONTIAC 08-09 G8 4 DR 0.767 0.15 0.880 0.905 0.90 0.95 -5.3 490
PONTIAC 98-06 MONTANA SV6 1.050 0.72 1.008 1.038 1.083 1.05 0.85 23.5 505
PONTIAC 06-09 SOLSTICE 2 DR 0.564 0.32 0.868 0.795 0.80 0.90 -11.1 480
PONTIAC 98-05 SUNFIRE 2 DR 1.233 0.55 1.152 1.196 1.225 1.25 1.20 4.2 525
PONTIAC 98-02 SUNFIRE 4 DR 1.156 0.61 1.232 1.186 1.318 1.25 1.25 0.0 530
PONTIAC 06-09 TORRENT 0.853 0.66 0.910 0.872 1.007 1.00 1.00 0.0 500
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-37
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
PONTIAC 03-10 VIBE 4 DR 0.837 0.97 0.865 0.837 0.85 1.00 -15.0 485
PORSCHE 98-10 BOXSTER 2 DR 0.463 0.61 0.731 0.567 0.80 0.80 0.0 455
PORSCHE 03-10 CAYENNE 0.603 0.35 0.738 0.730 0.657 0.80 0.80 0.0 465
PORSCHE 06-10 CAYMAN 2 DR 0.263 0.20 0.794 0.750 0.80 0.80 0.0 475
PORSCHE 98 911 2 DR 0.118 0.36 0.742 0.554 0.80 0.80 0.0 455
PORSCHE 99-10 911 CARRERA 2 DR 0.374 0.97 0.661 0.383 0.80 0.80 0.0 440
SAAB 05-06 9-2X 4 DR 0.622 0.21 0.757 0.799 0.832 0.85 0.90 -5.6 485
SAAB 98-10 9-3 2 DR 0.509 0.62 0.734 0.594 0.80 0.80 0.0 460
SAAB 98-10 9-3 4 DR 0.546 0.92 0.865 0.571 0.80 0.80 0.0 455
SAAB 99-10 9-5 4 DR 0.536 0.60 0.865 0.667 0.80 0.80 0.0 470
SAAB 05-09 9-7X 0.310 0.58 0.834 0.530 0.80 1.00 -20.0 455
SAAB 98 9000 4 DR 0.625 0.06 0.757 0.856 0.85 0.90 -5.6 485
SATURN 08-09 ASTRA 2 DR 0.100 0.03 0.842 0.894 0.90 0.95 -5.3 490
SATURN 08-09 ASTRA 4 DR 0.752 0.09 0.904 0.930 0.95 0.95 0.0 495
SATURN 07-09 AURA 4 DR 0.888 0.53 1.010 0.945 0.924 0.90 0.80 12.5 490
SATURN 07-09 AURA HYBRID 4 DR 0.073 0.02 0.894 0.928 0.911 0.90 0.95 -5.3 490
SATURN 03-07 ION 4 DR 1.082 0.71 1.213 1.120 1.10 1.05 4.8 510
SATURN 00-05 L-SERIES 4 DR 0.896 0.84 1.072 0.924 0.95 0.90 5.6 495
SATURN 07-10 OUTLOOK 0.497 0.66 0.809 0.603 0.624 0.80 0.80 0.0 460
SATURN 05-07 RELAY 0.962 0.18 0.958 0.972 1.083 1.05 0.85 23.5 505
SATURN 98-02 S-SERIES 2 DR 1.038 0.59 1.164 1.089 1.10 1.05 4.8 510
SATURN 98-02 S-SERIES 4 DR 0.947 0.88 1.287 0.988 1.00 1.00 0.0 500
SATURN 07-09 SKY 2 DR 0.394 0.49 0.772 0.589 0.80 0.90 -11.1 460
SATURN 02-07 VUE 0.862 0.71 1.005 0.904 0.90 0.90 0.0 490
SATURN 08-09 VUE 0.525 0.69 0.833 0.621 0.80 0.90 -11.1 460
SATURN 07-09 VUE HYBRID 0.484 0.30 0.939 0.815 0.80 1.00 -20.0 480
SCION 05-10 TC 2 DR 1.298 0.66 0.971 1.187 1.20 1.20 0.0 520
SCION 04-06 XA 4 DR 1.311 0.45 1.106 1.193 1.20 1.25 -4.0 520
SCION 04-06 XB 1.501 0.63 1.141 1.368 1.25 1.25 0.0 535
SCION 08-10 XB 1.065 0.47 0.982 1.022 1.00 1.00 0.0 500
SCION 08-10 XD 4 DR 1.063 0.29 1.052 1.044 1.05 1.00 5.0 505
SMART 08-10 FORTWO 2 DR 0.730 0.22 0.977 0.929 0.95 1.00 -5.0 495
SUBARU 03-06 BAJA 0.849 0.33 0.958 0.930 0.95 1.00 -5.0 495
SUBARU 98-08 FORESTER 4 DR 0.671 0.97 0.782 0.674 0.80 0.80 0.0 470
SUBARU 09-10 FORESTER 4 DR 0.642 0.37 0.850 0.792 0.80 0.95 -15.8 480
SUBARU 98-01 IMPREZA 2 DR 0.903 0.10 1.100 1.040 1.05 1.00 5.0 505
SUBARU 98-07 IMPREZA 4 DR 0.761 0.60 0.961 0.841 0.832 0.85 0.90 -5.6 485
SUBARU 08-10 IMPREZA 4 DR 0.728 0.58 0.905 0.802 0.80 0.95 -15.8 480
SUBARU 98-10 LEGACY 4 DR 0.782 0.60 0.806 0.792 0.80 0.80 0.0 480
SUBARU 05-10 OUTBACK 0.582 0.75 0.952 0.675 0.80 0.80 0.0 470
SUBARU 06-10 TRIBECA 0.808 0.10 0.823 0.893 0.90 0.90 0.0 490
SUZUKI 02-07 AERIO 4 DR 1.437 0.73 1.187 1.370 1.25 1.25 0.0 535
SUZUKI 09-10 EQUATOR 0.000 0.00 0.776 0.888 0.872 0.85 0.80 6.3 485
SUZUKI 98-02 ESTEEM 4 DR 1.539 0.25 1.217 1.243 1.25 1.25 0.0 525
SUZUKI 04-08 FORENZA 4 DR 1.907 0.57 1.253 1.626 1.25 1.25 0.0 560
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-38
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
SUZUKI 99-05 GRAND VITARA 1.484 0.51 1.169 1.330 1.247 1.25 1.25 0.0 525
SUZUKI 06-10 GRAND VITARA 1.490 0.23 0.861 1.043 1.05 1.15 -8.7 505
SUZUKI 01-06 GRAND VITARA XL-7 1.624 0.27 1.053 1.195 1.20 1.25 -4.0 520
SUZUKI 05-08 RENO 4 DR 1.696 0.15 1.078 1.144 1.15 1.25 -8.0 515
SUZUKI 98 SIDEKICK 1.520 0.15 1.197 1.177 1.134 1.15 1.15 0.0 515
SUZUKI 98-01 SWIFT 2 DR 1.063 0.09 1.256 1.133 1.115 1.10 1.15 -4.3 510
SUZUKI 07-10 SX4 4 DR 1.856 0.33 1.017 1.291 1.25 1.00 25.0 525
SUZUKI 04-06 VERONA 4 DR 1.744 0.21 1.120 1.216 1.20 1.25 -4.0 520
SUZUKI 98 X-90 2.433 0.00 1.339 1.169 1.15 1.15 0.0 515
SUZUKI 07-09 XL7 1.493 0.15 0.831 0.990 1.00 0.95 5.3 500
TOYOTA 98-04 AVALON 4 DR 0.946 0.85 0.980 0.951 0.95 0.95 0.0 495
TOYOTA 05-10 AVALON 4 DR 0.863 0.96 0.967 0.867 0.85 0.90 -5.6 485
TOYOTA 98-10 CAMRY 4 DR 1.115 0.98 1.020 1.113 1.10 1.10 0.0 510
TOYOTA 07-10 CAMRY HYBRID 4 DR 0.776 0.80 0.887 0.798 0.80 0.95 -15.8 480
TOYOTA 99-08 CAMRY SOLARA 2 DR 1.010 0.92 0.940 1.004 1.00 0.95 5.3 500
TOYOTA 98-99 CELICA 2 DR 0.671 0.39 0.843 0.793 0.80 1.00 -20.0 480
TOYOTA 00-05 CELICA 2 DR 1.012 0.87 0.941 1.003 1.00 1.05 -4.8 500
TOYOTA 98-02 COROLLA 4 DR 1.219 0.90 1.306 1.227 1.25 1.25 0.0 525
TOYOTA 03-10 COROLLA 4 DR 1.286 0.98 1.265 1.285 1.25 1.25 0.0 530
TOYOTA 00-05 ECHO 2 DR 1.270 0.57 1.429 1.338 1.25 1.25 0.0 535
TOYOTA 00-05 ECHO 4 DR 1.539 0.21 1.329 1.278 1.25 1.25 0.0 525
TOYOTA 07-10 FJ CRUISER 0.703 0.43 0.905 0.825 0.85 0.90 -5.6 485
TOYOTA 01-10 HIGHLANDER 0.864 0.86 0.880 0.866 0.880 0.90 0.90 0.0 490
TOYOTA 06-10 HIGHLANDER HYBRID 0.575 0.61 0.819 0.670 0.583 0.80 0.80 0.0 460
TOYOTA 98-10 LAND CRUISER 0.694 0.43 0.878 0.807 0.772 0.80 0.80 0.0 475
TOYOTA 03-10 MATRIX 4 DR 1.141 0.55 0.869 1.018 1.00 1.15 -13.0 500
TOYOTA 00-05 MR2 SPYDER 2 DR 0.870 0.36 0.855 0.881 0.90 0.95 -5.3 490
TOYOTA 01-03 PRIUS 4 DR 0.760 0.61 1.102 0.893 0.90 0.85 5.9 490
TOYOTA 04-09 PRIUS 4 DR 0.833 0.82 0.787 0.825 0.80 0.90 -11.1 480
TOYOTA 10 PRIUS 4 DR 0.846 0.05 0.711 0.848 0.85 0.85 0.0 485
TOYOTA 98-05 RAV4 1.204 0.93 1.058 1.194 1.20 1.25 -4.0 520
TOYOTA 06-10 RAV4 1.069 0.71 0.844 1.004 1.00 1.15 -13.0 500
TOYOTA 01-10 SEQUOIA 0.973 0.85 0.852 0.955 0.95 0.90 5.6 495
TOYOTA 98-10 SIENNA 0.928 0.80 0.969 0.936 0.95 0.90 5.6 495
TOYOTA 98 SUPRA 2 DR 1.055 0.02 0.771 0.887 0.90 0.80 12.5 490
TOYOTA 98-04 TACOMA 0.930 0.78 0.908 0.925 0.90 0.90 0.0 490
TOYOTA 05-10 TACOMA 0.799 0.83 0.768 0.794 0.80 0.80 0.0 480
TOYOTA 98 TERCEL 2 DR 0.698 0.08 1.329 1.140 1.15 1.20 -4.2 515
TOYOTA 00-06 TUNDRA 0.842 0.71 0.739 0.812 0.80 0.80 0.0 480
TOYOTA 07-10 TUNDRA 0.747 0.62 0.595 0.689 0.80 0.80 0.0 470
TOYOTA 98 T100 0.731 0.25 0.786 0.826 0.85 0.85 0.0 485
TOYOTA 09-10 VENZA 1.217 0.07 0.834 0.932 0.95 0.90 5.6 495
TOYOTA 07-10 YARIS 2 DR 1.191 0.42 1.117 1.138 1.15 1.05 9.5 515
TOYOTA 07-10 YARIS 4 DR 1.632 0.79 1.315 1.565 1.25 1.25 0.0 555
TOYOTA 98-10 4RUNNER 0.990 0.99 0.939 0.990 1.00 1.05 -4.8 500
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-39
Exhibit 1-2: PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Experience Predicted Credibility Relativity Rounded
Model Loss Ratio Experience Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Credibility Relativity Relativity Analysis Relativity Relativity Change Symbol
VOLKSWAGEN 98-02 CABRIO 2 DR 0.771 0.76 0.858 0.792 0.80 0.85 -5.9 480
VOLKSWAGEN 09-10 CC 4 DR 0.684 0.08 0.837 0.893 0.90 0.90 0.0 490
VOLKSWAGEN 07-10 EOS 2 DR 0.862 0.28 0.685 0.804 0.80 0.80 0.0 480
VOLKSWAGEN 99-03 EUROVAN 0.437 0.56 0.957 0.666 0.80 0.85 -5.9 470
VOLKSWAGEN 98-99 GOLF 4 DR 0.742 0.26 0.969 0.917 0.90 0.95 -5.3 490
VOLKSWAGEN 99-06 GOLF 4 DR 0.616 0.73 0.935 0.702 0.80 0.80 0.0 470
VOLKSWAGEN 06-10 GOLF/GTI 2 DR 0.737 0.52 0.810 0.772 0.80 0.85 -5.9 475
VOLKSWAGEN 06-10 GOLF/GTI 4 DR 0.684 0.44 0.836 0.779 0.80 0.85 -5.9 480
VOLKSWAGEN 99-06 GTI 2 DR 0.755 0.68 0.900 0.802 0.80 0.85 -5.9 480
VOLKSWAGEN 98-99 JETTA 4 DR 0.868 0.63 1.155 0.975 1.00 1.05 -4.8 500
VOLKSWAGEN 99-05 JETTA 4 DR 0.869 0.93 1.086 0.884 0.90 0.90 0.0 490
VOLKSWAGEN 05-10 JETTA 4 DR 0.781 0.63 1.006 0.864 0.85 0.90 -5.6 485
VOLKSWAGEN 98-10 NEW BEETLE 2 DR 0.764 0.85 0.888 0.782 0.80 0.80 0.0 480
VOLKSWAGEN 98-01 PASSAT 4 DR 0.740 0.54 0.974 0.848 0.85 0.80 6.3 485
VOLKSWAGEN 01-05 PASSAT 4 DR 0.679 0.92 0.916 0.698 0.718 0.80 0.80 0.0 470
VOLKSWAGEN 06-10 PASSAT 4 DR 0.709 0.44 0.906 0.825 0.85 0.85 0.0 485
VOLKSWAGEN 04-06 PHAETON 4 DR 0.215 0.53 0.796 0.488 0.80 0.80 0.0 450
VOLKSWAGEN 09-10 ROUTAN 0.269 0.03 0.874 0.915 1.087 1.10 0.95 15.8 510
VOLKSWAGEN 09-10 TIGUAN 0.581 0.10 0.841 0.879 0.90 0.95 -5.3 490
VOLKSWAGEN 04-10 TOUAREG 0.575 0.90 0.780 0.596 0.657 0.80 0.80 0.0 465
VOLVO 08-10 C30 2 DR 0.315 0.12 0.699 0.767 0.80 0.85 -5.9 475
VOLVO 98-04 C70 2 DR 0.640 0.70 0.707 0.660 0.80 0.80 0.0 465
VOLVO 06-10 C70 2 DR 0.607 0.36 0.624 0.670 0.80 0.80 0.0 465
VOLVO 00-04 S40/V40 4 DR 0.874 0.38 0.992 0.948 0.95 1.00 -5.0 495
VOLVO 04-10 S40/V50 4 DR 0.617 0.86 0.925 0.660 0.80 0.80 0.0 465
VOLVO 98-00 S70/V70 4 DR 0.668 0.93 0.877 0.683 0.80 0.80 0.0 470
VOLVO 99-10 S80 4 DR 0.712 0.92 0.907 0.727 0.80 0.80 0.0 475
VOLVO 98 S90/V90 4 DR 0.670 0.47 0.957 0.824 0.85 0.90 -5.6 485
VOLVO 01-10 V70 4 DR 0.645 0.94 0.859 0.658 0.80 0.80 0.0 465
VOLVO 10 XC60 0.153 0.01 0.770 0.877 0.90 0.90 0.0 490
VOLVO 03-10 XC70 0.470 0.66 0.781 0.576 0.80 0.80 0.0 460
VOLVO 03-10 XC90 0.528 0.77 0.674 0.562 0.80 0.80 0.0 455
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-40
Exhibit 2: List of Like Vehicle Series
Model Model
Manufacturer Years Model Name Manufacturer Years Model Name
ACURA 98-99 SLX CHEVROLET 98-05 CAVALIER 4 DR
ISUZU 98-02 TROOPER PONTIAC 98-02 SUNFIRE 4 DR
AUDI 98-08 A4/S4/RS4 4 DR CHEVROLET 98-10 EXPRESS
VOLKSWAGEN 01-05 PASSAT 4 DR GMC 98-10 SAVANA
BUICK 98-05 CENTURY 4 DR CHEVROLET 98-05 MALIBU CLASSIC 4 DR
BUICK 98-04 REGAL 4 DR OLDSMOBILE 98-99 CUTLASS 4 DR
OLDSMOBILE 98-02 INTRIGUE 4 DR
PONTIAC 98-08 GRAND PRIX 4 DR CHEVROLET 98-00 METRO 2 DR
CHEVROLET 00-10 IMPALA 4 DR SUZUKI 98-01 SWIFT 2 DR
BUICK 05-10 LACROSSE 4 DR
CHEVROLET 98-02 PRIZM 4 DR
BUICK 98-99 LESABRE 4 DR TOYOTA 98-02 COROLLA 4 DR
OLDSMOBILE 98-99 EIGHTY EIGHT/LSS 4 DR
PONTIAC 98-99 BONNEVILLE 4 DR CHEVROLET 98-04 S-10 PICKUP
GMC 98-04 SONOMA
BUICK 98-99 PARK AVENUE 4 DR ISUZU 98-00 HOMBRE
CADILLAC 98-99 SEVILLE 4 DR
OLDSMOBILE 98-99 AURORA 4 DR CHEVROLET 98-10 SILVERADO
BUICK 00-05 LESABRE 4 DR GMC 98-10 SIERRA
BUICK 00-05 PARK AVENUE 4 DR
CADILLAC 00-10 DTS 4 DR CHEVROLET 98-10 SUBURBAN
CADILLAC 00-04 SEVILLE 4 DR GMC 98-10 YUKON XL
PONTIAC 00-05 BONNEVILLE 4 DR CADILLAC 03-10 ESCALADE ESV
OLDSMOBILE 01-03 AURORA 4 DR
CHEVROLET 98-10 TAHOE
BUICK 98 SKYLARK 4 DR GMC 98-10 YUKON
OLDSMOBILE 98 ACHIEVA 4 DR CADILLAC 99-10 ESCALADE
PONTIAC 98 GRAND AM 4 DR
OLDSMOBILE 99-04 ALERO 4 DR CHEVROLET 98 TRACKER
PONTIAC 99-05 GRAND AM 4 DR SUZUKI 98 SIDEKICK
CHEVROLET 99-04 TRACKER
CHEVROLET 98-05 ASTRO SUZUKI 99-05 GRAND VITARA
GMC 98-05 SAFARI
CHEVROLET 98-09 TRAILBLAZER
CHEVROLET 98-02 CAMARO 2 DR GMC 98-09 ENVOY
PONTIAC 98-02 FIREBIRD/TRANS AM 2 DR OLDSMOBILE 98-04 BRAVADA
BUICK 04-07 RAINIER
CHEVROLET 98-05 CAVALIER 2 DR ISUZU 04-08 ASCENDER
PONTIAC 98-05 SUNFIRE 2 DR SAAB 05-09 9-7X
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-41
Exhibit 2: List of Like Vehicle Series
Model Model
Manufacturer Years Model Name Manufacturer Years Model Name
CHEVROLET 98-08 UPLANDER FORD 98-02 ESCORT 4 DR
OLDSMOBILE 98-04 SILHOUETTE MERCURY 98-99 TRACER 4 DR
PONTIAC 98-06 MONTANA SV6
BUICK 05-07 TERRAZA FORD 98-10 EXPEDITION
SATURN 05-07 RELAY LINCOLN 98-10 NAVIGATOR
LINCOLN 02 BLACKWOOD
CHRYSLER 98-00 CIRRUS 4 DR
DODGE 98-00 STRATUS 4 DR FORD 98-10 EXPLORER
PLYMOUTH 98-00 BREEZE 4 DR MERCURY 98-10 MOUNTAINEER
LINCOLN 03-05 AVIATOR
CHRYSLER 98-04 CONCORDE 4 DR
DODGE 98-04 INTREPID 4 DR FORD 98-10 F-150
CHRYSLER 99-04 300M 4 DR LINCOLN 06-08 MARK LT
CHRYSLER 98-00 SEBRING COUPE 2 DR FORD 98-07 FREESTAR
DODGE 98-00 AVENGER 2 DR MERCURY 04-07 MONTEREY
CHRYSLER 98-10 TOWN & COUNTRY FORD 98-10 RANGER
DODGE 98-10 GRAND CARAVAN MAZDA 98-09 B-SERIES PICKUP
PLYMOUTH 98-00 VOYAGER/GRAND VOYAGER
CHRYSLER 00-03 VOYAGER FORD 98-07 TAURUS 4 DR
VOLKSWAGEN 09-10 ROUTAN MERCURY 98-05 SABLE 4 DR
DODGE 98-09 DURANGO HONDA 98-07 ACCORD 2 DR
CHRYSLER 07-09 ASPEN ACURA 01-03 CL-SERIES 2 DR
DODGE 98-99 NEON 2 DR HONDA 98-07 ACCORD 4 DR
PLYMOUTH 98-99 NEON 2 DR ACURA 99-08 TL-SERIES 4 DR
DODGE 98-05 NEON 4 DR HONDA 98 ODYSSEY 4 DR
PLYMOUTH 98-01 NEON 4 DR ISUZU 98-99 OASIS 4 DR
EAGLE 98 TALON 2 DR HONDA 98-02 PASSPORT
MITSUBISHI 98-99 ECLIPSE 2 DR ISUZU 98-04 RODEO
ISUZU 02-04 AXIOM
FORD 98-00 CONTOUR 4 DR
MERCURY 98-00 MYSTIQUE 4 DR HYUNDAI 98-10 ACCENT 4 DR
KIA 06-10 RIO 4 DR
FORD 98-10 CROWN VICTORIA 4 DR
MERCURY 98-10 GRAND MARQUIS 4 DR INFINITI 98-04 I35 4 DR
MERCURY 03-04 MARAUDER 4 DR NISSAN 98-03 MAXIMA 4 DR
INFINITI 98-03 QX4 MITSUBISHI 00-05 ECLIPSE 2 DR
NISSAN 98-04 PATHFINDER CHRYSLER 01-05 SEBRING COUPE 2 DR
DODGE 01-05 STRATUS 2 DR
LEXUS 98-10 ES 4 DR
TOYOTA 98-10 CAMRY 4 DR ACURA 01-06 MDX
HONDA 03-08 PILOT
LEXUS 98-10 LX CHRYSLER 01-06 SEBRING 4 DR
TOYOTA 98-10 LAND CRUISER DODGE 01-06 STRATUS 4 DR
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-42
Exhibit 2: List of Like Vehicle Series
Model Model
Manufacturer Years Model Name Manufacturer Years Model Name
MERCEDES-BENZ 98-10 SLK-CLASS 2 DR FORD 01-10 ESCAPE
CHRYSLER 04-08 CROSSFIRE 2 DR MAZDA 01-10 TRIBUTE
MERCURY 05-10 MARINER
MERCURY 98-02 VILLAGER
NISSAN 98-02 QUEST HYUNDAI 01-05 XG350 4 DR
KIA 04-09 AMANTI 4 DR
PONTIAC 98-02 GRAND PRIX 2 DR
CHEVROLET 00-07 MONTE CARLO 2 DR PONTIAC 01-05 AZTEK
BUICK 02-07 RENDEZVOUS
PORSCHE 98-10 BOXSTER 2 DR
PORSCHE 06-10 CAYMAN 2 DR CADILLAC 02-10 ESCALADE EXT
CHEVROLET 02-10 AVALANCHE
SUBARU 98-07 IMPREZA 4 DR
SAAB 05-06 9-2X 4 DR CHEVROLET 02-06 TRAILBLAZER EXT
GMC 02-06 ENVOY XL
TOYOTA 98-10 4RUNNER ISUZU 03-06 ASCENDER EXTENDED WHEELBASE
LEXUS 03-10 GX
PONTIAC 03-10 VIBE 4 DR
HYUNDAI 99-10 SONATA 4 DR TOYOTA 03-10 COROLLA 4 DR
KIA 01-06 OPTIMA 4 DR TOYOTA 03-10 MATRIX 4 DR
LEXUS 99-10 RX PORSCHE 03-10 CAYENNE
TOYOTA 01-10 HIGHLANDER VOLKSWAGEN 04-10 TOUAREG
OLDSMOBILE 99-04 ALERO 2 DR SATURN 03-07 ION 4 DR
PONTIAC 99-05 GRAND AM 2 DR CHEVROLET 05-10 COBALT 4 DR
PLYMOUTH 99-01 PROWLER 2 DR CHEVROLET 04-10 AVEO 4 DR
CHRYSLER 01-02 PROWLER 2 DR PONTIAC 09 G3 4 DR
JAGUAR 00-08 S-TYPE 4 DR LOTUS 05-10 ELISE 2 DR
LINCOLN 00-06 LS 4 DR LOTUS 06-10 EXIGE 2 DR
CHEVROLET 04-10 COLORADO NISSAN 05-10 FRONTIER
GMC 04-10 CANYON SUZUKI 09-10 EQUATOR
ISUZU 06-08 I-290/I-370
CHEVROLET 06-10 HHR
CHEVROLET 04-07 MALIBU MAXX 4 DR CHEVROLET 07-10 HHR PANEL
PONTIAC 05-10 G6 4 DR
SATURN 07-09 AURA 4 DR FORD 06-10 FUSION 4 DR
CHEVROLET 08-10 MALIBU 4 DR LINCOLN 06-10 MKZ 4 DR
MERCURY 06-10 MILAN 4 DR
INFINITI 04-10 QX56
NISSAN 04-10 ARMADA KIA 06-10 SEDONA
HYUNDAI 07-08 ENTOURAGE
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1
Page A-43
Exhibit 2: List of Like Vehicle Series
Model Model
Manufacturer Years Model Name Manufacturer Years Model Name
SUZUKI 04-08 FORENZA 4 DR LEXUS 06-10 RX HYBRID
SUZUKI 05-08 RENO 4 DR TOYOTA 06-10 HIGHLANDER HYBRID
CHEVROLET 05-10 COBALT 2 DR PONTIAC 06-09 SOLSTICE 2 DR
PONTIAC 07-09 G5 2 DR SATURN 07-09 SKY 2 DR
CHEVROLET 05-10 EQUINOX CHRYSLER 07-10 SEBRING 4 DR
PONTIAC 06-09 TORRENT DODGE 08-10 AVENGER 4 DR
GMC 10 TERRAIN
FORD 07-10 EDGE
CHRYSLER 05-10 300 4 DR LINCOLN 07-10 MKX
DODGE 06-10 CHARGER 4 DR MAZDA 07-10 CX-9
DODGE 05-10 DAKOTA FORD 07-10 EXPEDITION EL
MITSUBISHI 06-09 RAIDER LINCOLN 07-10 NAVIGATOR L
FORD 05-10 ESCAPE HYBRID GMC 07-10 ACADIA
MERCURY 06-10 MARINER HYBRID SATURN 07-10 OUTLOOK
MAZDA 08-10 TRIBUTE HYBRID BUICK 08-10 ENCLAVE
CHEVROLET 09-10 TRAVERSE
FORD 05-10 TAURUS 4 DR
MERCURY 05-09 SABLE 4 DR MITSUBISHI 07-10 OUTLANDER
MITSUBISHI 11 OUTLANDER SPORT
HYUNDAI 05-10 TUCSON
KIA 05-10 SPORTAGE CHRYSLER 09 ASPEN HYBRID
DODGE 09 DURANGO HYBRID
JEEP 05-10 GRAND CHEROKEE
JEEP 06-10 COMMANDER FORD 09-10 FLEX
LINCOLN 10 MKT
NISSAN 07-10 ALTIMA 4 DR
NISSAN 09-10 MAXIMA 4 DR FORD 10 FUSION HYBRID 4 DR
MERCURY 10 MILAN HYBRID 4 DR
SATURN 07-09 AURA HYBRID 4 DR LINCOLN 11 MKZ HYBRID 4 DR
CHEVROLET 08-10 MALIBU HYBRID 4 DR
CHEVROLET 08-10 TAHOE HYBRID
GMC 08-10 YUKON HYBRID
CHEVROLET 09-10 SILVERADO HYBRID
GMC 09-10 SIERRA HYBRID
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1Page A-44
Exhibit 3-1: New Vehicle Series - BI and PD Credibility-Weighted Relativities and Final Rating Factors
Predicted Credibility Relativity Rounded
Model Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Relativity Analysis#Relativity Relativity Change Symbol
ACURA 10-11 ZDX 0.911 0.956 0.95 0.95 0.0 295
BMW 10 5-SERIES GRAN TURISMO 4 DR 0.873 0.937 0.95 0.90 5.6 295
BMW 11 7-SERIES ACTIVEHYBRID 4 DR 0.853 0.927 0.860 0.85 0.80 6.3 285
BMW 10-11 X6 ACTIVEHYBRID 0.954 0.977 0.980 1.00 0.95 5.3 300
BUICK 11 REGAL 4 DR 0.837 0.919 0.90 0.90 0.0 290
CADILLAC 11 CTS 2 DR 0.851 0.925 0.95 0.90 5.6 295
CHEVROLET 11 CRUZE 4 DR 0.851 0.925 0.95 0.95 0.0 295
CHEVROLET 11 VOLT 4 DR 0.740 0.870 0.85 0.85 0.0 285
DODGE 11 DURANGO 0.982 0.991 1.00 0.95 5.3 300
FORD 11 EXPLORER 0.952 0.976 1.00 0.95 5.3 300
FORD 11 FIESTA 4 DR 0.862 0.931 0.95 0.90 5.6 295
HONDA 10-11 ACCORD CROSSTOUR 0.911 0.955 0.95 0.95 0.0 295
HONDA 11 CR-Z 2 DR 0.755 0.878 0.90 0.85 5.9 290
HYUNDAI 11 EQUUS 4 DR 0.870 0.935 0.95 0.90 5.6 295
HYUNDAI 11 SONATA 4 DR 0.865 0.933 0.95 0.90 5.6 295
HYUNDAI 11 SONATA HYBRID 4 DR 0.837 0.919 0.90 0.90 0.0 290
KIA 10-11 FORTE KOUP 2 DR 0.908 0.954 0.95 0.95 0.0 295
KIA 11 OPTIMA 4 DR 0.851 0.926 0.95 0.90 5.6 295
KIA 11 SORENTO 0.906 0.953 0.95 0.95 0.0 295
LEXUS 11 CT HYBRID 4 DR 0.747 0.873 0.85 0.90 -5.6 285
LINCOLN 11 MKZ HYBRID 4 DR 0.857 0.929 0.887 0.90 0.95 -5.3 290
LOTUS 10 EVORA 2 DR 0.738 0.869 0.85 0.85 0.0 285
MAZDA 11 MAZDA2 4 DR 0.795 0.897 0.90 0.90 0.0 290
MERCEDES-BENZ 10-11 M-CLASS HYBRID 0.971 0.985 0.956 0.95 0.90 5.6 295
MERCEDES-BENZ 10-11 S-CLASS HYBRID 4 DR 0.853 0.927 0.860 0.85 0.80 6.3 285
MERCEDES-BENZ 11 SLS-CLASS 2 DR 0.798 0.899 0.90 0.90 0.0 290
MINI 11 COOPER COUNTRYMAN 4 DR 0.668 0.834 0.85 0.85 0.0 285
MITSUBISHI 11 OUTLANDER SPORT 0.876 0.938 0.910 0.90 0.85 5.9 290
NISSAN 11 JUKE 0.896 0.948 0.95 0.95 0.0 295
NISSAN 11 LEAF EV 4 DR 0.767 0.883 0.90 0.90 0.0 290
NISSAN 11 QUEST 0.787 0.893 0.90 0.90 0.0 290
PORSCHE 11 CAYENNE HYBRID 0.914 0.957 0.977 1.00 0.90 11.1 300
PORSCHE 10-11 PANAMERA 4 DR 0.733 0.867 0.85 0.85 0.0 285
SUZUKI 10-11 KIZASHI 4 DR 0.829 0.915 0.90 0.90 0.0 290
VOLKSWAGON 11 TOUAREG HYBRID 0.934 0.967 0.977 1.00 0.90 11.1 300
# -- Includes alternative powered vehicle series' use of internal-combustion counterparts' relativities where applicable.
© Insurance Services Office, Inc., 2011
PERSONAL AUTO
RULES FILING PP-2011-RLP1Page A-45
Exhibit 3-2: New Vehicle Series - PIP & Med Pay Credibility-Weighted Relativities and Final Rating Factors
Predicted Credibility Relativity Rounded
Model Loss Ratio Weighted After Like Capped Current Percent
Manufacturer Years Model Name Relativity Relativity Analysis#
Relativity Relativity Change Symbol
ACURA 10-11 ZDX 0.760 0.880 0.90 0.90 0.0 490
BMW 10 5-SERIES GRAN TURISMO 4 DR 0.705 0.852 0.85 0.85 0.0 485
BMW 11 7-SERIES ACTIVEHYBRID 4 DR 0.711 0.856 0.855 0.85 0.80 6.3 485
BMW 10-11 X6 ACTIVEHYBRID 0.642 0.821 0.876 0.90 0.85 5.9 490
BUICK 11 REGAL 4 DR 0.894 0.947 0.95 0.95 0.0 495
CADILLAC 11 CTS 2 DR 0.754 0.877 0.90 0.85 5.9 490
CHEVROLET 11 CRUZE 4 DR 0.978 0.989 1.00 1.00 0.0 500
CHEVROLET 11 VOLT 4 DR 0.628 0.814 0.80 0.80 0.0 480
DODGE 11 DURANGO 0.774 0.887 0.90 0.90 0.0 490
FORD 11 EXPLORER 0.796 0.898 0.90 0.90 0.0 490
FORD 11 FIESTA 4 DR 1.022 1.011 1.00 1.00 0.0 500
HONDA 10-11 ACCORD CROSSTOUR 0.833 0.917 0.90 0.90 0.0 490
HONDA 11 CR-Z 2 DR 0.782 0.891 0.90 0.90 0.0 490
HYUNDAI 11 EQUUS 4 DR 0.810 0.905 0.90 0.90 0.0 490
HYUNDAI 11 SONATA 4 DR 0.960 0.980 1.00 0.95 5.3 500
HYUNDAI 11 SONATA HYBRID 4 DR 0.894 0.947 0.95 0.95 0.0 495
KIA 10-11 FORTE KOUP 2 DR 0.979 0.989 1.00 1.00 0.0 500
KIA 11 OPTIMA 4 DR 0.927 0.964 0.95 0.95 0.0 495
KIA 11 SORENTO 0.849 0.924 0.90 0.95 -5.3 490
LEXUS 11 CT HYBRID 4 DR 0.699 0.850 0.85 0.85 0.0 485
LINCOLN 11 MKZ HYBRID 4 DR 0.887 0.944 0.909 0.90 0.90 0.0 490
LOTUS 10 EVORA 2 DR 0.702 0.851 0.85 0.85 0.0 485
MAZDA 11 MAZDA2 4 DR 1.001 1.001 1.00 1.00 0.0 500
MERCEDES-BENZ 10-11 M-CLASS HYBRID 0.741 0.871 0.809 0.80 0.90 -11.1 480
MERCEDES-BENZ 10-11 S-CLASS HYBRID 4 DR 0.711 0.856 0.819 0.80 0.80 0.0 480
MERCEDES-BENZ 11 SLS-CLASS 2 DR 0.678 0.839 0.85 0.80 6.3 485
MINI 11 COOPER COUNTRYMAN 4 DR 0.642 0.821 0.80 0.85 -5.9 480
MITSUBISHI 11 OUTLANDER SPORT 0.898 0.949 0.914 0.90 0.90 0.0 490
NISSAN 11 JUKE 0.916 0.958 0.95 1.00 -5.0 495
NISSAN 11 LEAF EV 4 DR 0.693 0.847 0.85 0.85 0.0 485
NISSAN 11 QUEST 0.888 0.944 0.95 0.90 5.6 495
PORSCHE 11 CAYENNE HYBRID 0.655 0.828 0.657 0.80 0.80 0.0 465
PORSCHE 10-11 PANAMERA 4 DR 0.526 0.763 0.80 0.80 0.0 475
SUZUKI 10-11 KIZASHI 4 DR 0.915 0.958 0.95 0.95 0.0 495
VOLKSWAGON 11 TOUAREG HYBRID 0.649 0.824 0.657 0.80 0.80 0.0 465
# -- Includes alternative powered vehicle series' use of internal-combustion counterparts' relativities where applicable.
© Insurance Services Office, Inc., 2011
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-46
© Insurance Services Office, Inc., 2011
Exhibit 3-3: New Vehicle Series Symbol Assignment Rule
Since Liability & PIP/Medical Payments (LPMP) rating factors do not change by
model year, future maintenance of the LPMP vehicle rating plan primarily
involves (1) future biyearly loss experience reviews, and (2) determining LPMP
rating factors/symbols for new vehicle series, to apply for the interim period until
the next ISO LPMP experience review filing.
This rule sets forth the procedures for assigning LPMP rating factors and
symbols when auto manufacturers introduce new vehicle series.
♦ If a new vehicle series is considered like an existing vehicle series whose
experience has already been reviewed, the rating factors for the new vehicle
series will be determined by giving 50% weight to the predicted loss ratio
relativity and 50% weight to the loss ratio relativity of the existing like
vehicle series.
♦ If a new vehicle series is not considered like another vehicle series, or is
considered like a vehicle series whose experience has not been reviewed,
then the rating factors for the new vehicle series will be determined by giving
50% weight to the predicted loss ratio relativity and 50% weight to 1.00.
♦ If a new vehicle series is an alternative powered1 version of an existing
internal-combustion engine vehicle series whose experience has already been
reviewed, and is not considered like another vehicle series, or is considered
like a vehicle series whose experience has not yet been reviewed, then the
alternative powered vehicle series will be assigned the same rating factors as
its internal-combustion engine counterpart.
♦ If a new alternative powered vehicle series does not have an internal-
combustion engine counterpart, or has an internal-combustion engine
counterpart whose experience has not yet been reviewed, then the procedures
in the first two bulleted paragraphs are used to determine its rating factors.
1 Alternative powered vehicle series refers to any vehicle series with an advanced power system (i.e., gas-electric hybrid, electric, fuel cell, hydrogen, etc.).
PERSONAL AUTO RULES FILING PP-2011-RLP1 Page A-47
© Insurance Services Office, Inc., 2011
The rule for new vehicle series that are considered like an existing vehicle series
whose experience has already been reviewed takes precedence over the rule for
alternative powered vehicle series. Therefore, if a new vehicle series is
considered like an existing vehicle series whose experience has already been
reviewed and is an alternative powered version of an existing internal-
combustion vehicle series, the rating factors for the new vehicle series will be
determined by giving 50% weight to the predicted loss ratio relativity and 50%
weight to the loss ratio relativity of the existing like vehicle series.
The predicted loss ratio relativity is determined by the following formula:
Predicted Loss Ratio Relativity = Chassis Type / Curb Weight factor +
Electronic Stability Control factor +
Body Style factor + MSRP factor
The factors used in determining the predicted loss ratio relativity are as follows
on the next page. Curb weight is rounded to the nearest multiple of 250 pounds
before determining the factor chassis type / curb weight factor.
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© Insurance Services Office, Inc., 2011
BI and PD Factor MP and PIP Factor
Chassis Type* / Curb Weight
Frame / Curb Weight < 2750 LBS -0.9398 + 0.1783 x (CW/250)
Frame / Curb Weight ≥ 2750 LBS 0.7652 + 0.0233 x (CW/250)
Unibody / Curb Weight < 2750 LBS 0.4737 + 0.0498 x (CW/250)
Unibody / Curb Weight ≥ 2750 LBS 0.8026 + 0.0199 x (CW/250)
Frame / Curb Weight < 3250 LBS 1.3612 - 0.0112 x (CW/250)
Frame / Curb Weight ≥ 3250 LBS 1.2988 - 0.0064 x (CW/250)
Unibody / Curb Weight < 3250 LBS 1.2815 - 0.0112 x (CW/250)
Unibody / Curb Weight ≥ 3250 LBS 1.2191 - 0.0064 x (CW/250)
Electronic Stability Control
ESC Not Available 0.0000 0.0000
ESC Optional -0.0817 -0.0421
ESC Standard -0.1481 -0.1156
Body Style
Sedan 0.0000 0.0000
Convertible -0.2229 -0.2052
Wagon -0.1361 -0.2652
Hatchback -0.0705 -0.2008
Pickup -0.0622 -0.3202
SUV/SUT 0.0405 -0.0497
Van -0.1103 0.0136
Coupe 0.0242 -0.0586
MSRP
$10,000 or less 0.1233 0.2645
$10,001 - $15,000 0.0914 0.1369
$15,001 - $20,000 0.0000 0.0000
$20,001 - $36,000 -0.0960 -0.1202
$36,001 - $60,000 -0.1423 -0.1785
More than $60,000 -0.1793 -0.2709
* For this analysis, frame refers to frame and body on frame chassis types, and
unibody refers to all non-frame chassis types.
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For example, if a new vehicle (not considered like an existing vehicle series) is a
3,000 pound coupe with a unibody chassis, a MSRP of $25,000 and with
electronic stability control as a standard feature, the predicted BI/PD relativity
would be
0.8026 + 0.0199 * (3,000 / 250) - 0.1481 + 0.0242 - 0.0960 = 0.8215
The filed rating factor would be 0.50 * 0.8215 + 0.50 * 1.0000 = 0.9108,
which rounded to two places would be 0.90, which corresponds to a BI/PD
symbol of 290.
For MP / PIP, the predicted relativity for the same new vehicle would be
1.2815 - 0.0112 * (3,000 / 250) - 0.1156 - 0.0586 - 0.1202 = 0.8527
The filed rating factor would be 0.50 * 0.8527 + 0.50 * 1.000 = 0.9264,
which rounded to two places would be 0.95, which corresponds to a MP/PIP
symbol of 495.
Final rating factors are subject to 0.80 and 1.25 rating factor caps.
After determining the rating factors and symbols, ISO will immediately print and
distribute an LPMP circular and will simultaneously print and distribute updated
manual pages containing the information for the new vehicle. LPMP symbols for
new vehicles will be printed in an LPMP Symbols Supplement section of the
LPMP multistate manual.
The rating factors and symbols established in accordance with these procedures
will be developed by ISO staff, and published in ISO circulars and manual page
updates, as soon as possible upon receipt of the necessary vehicle specifications
information. The resulting LPMP rating factors and symbols will become
effective and available for insurer use immediately upon ISO's publication of that
information.
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Section C Analysis of Loss Cost Level Impact
About This Section
An insurer that chooses to adopt this rating program will need to apply offset factors to
ensure that this program is implemented on a revenue neutral basis.
Explanation of Offset Procedure
Since ISO has filed every Liability & PIP/Medical Payments Vehicle Rating Plan
(LPMP) as an alternate program only, offset factors will not be applied to ISO's base
class loss costs to reflect the changes associated with this program. However, any
company that chooses to adopt this rating program will need to apply offset factors to
ensure that this program is implemented on a revenue neutral basis. For your information,
the following is an example illustrating how these offset factors can be derived.
Example of Offset Calculation
A simplified example of the procedure necessary to calculate the proper offset by
coverage is shown on pages C-3 and C-4.
The example assumes the program is being updated by an insurer using the current ISO
Liability & PIP/Medical Payments Vehicle Rating Plan to reflect the changes in this
filing, beginning with 1998 model year vehicles.
The aggregate loss cost volume provided in this example is for customers using the 2008
LPMP program. For customers updating from the 2006 LPMP program to the 2010
program, the relativities in Column (1) should be changed to reflect the filed rating
factors for the 2006 program.
For insurers not currently using the ISO Liability & PIP/Medical Payments Vehicle
Rating Plan, the relativities in Column (1) should be changed to reflect each vehicle's
rating factors according to the program currently in use by the company. If the company
is not currently using any vehicle rating plan for Liability and PIP/Medical Payments,
then factors of unity (1.00) should be used in Column (1).
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Important Note
Each insurer will have to review its own book of business to determine the appropriate
offset to apply.
It is important to note that in this case Model Year 1998 and later vehicles are treated
differently than vehicles with Model Years earlier than 1998. Of course, this calculation
would need to be modified if a company selects a later Model Year for program
implementation. As an example, the calculation would need to be modified if a company
decided to implement this program for only Model Year 2000 and later vehicles.
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© Insurance Services Office, Inc., 2011
Offset Calculation Example
Update from the 2008 LPMP Program (BI/PD Liability Coverages)
Model Year 1998 Implementation Assumption
Current ISO Liability Vehicle Rating in Effect
State X
Territory Y
Coverage Bodily Injury/Property Damage
(1) (2) (3) (4) (5)
Model Previous Present Revised Revised Offset
Year Vehicles Relativity ALCV Relativity ALCV Total (2) ÷ Total (4)
< 1998 All Vehicles 1.00 20,500,000 1.00 20,500,000
1998 Chevrolet Cavalier 2 Dr 1.15 165,000 1.10 157,826
2001 Dodge Intrepid 4 Dr 1.10 71,250 1.05 68,011
2003 Dodge Neon 4 Dr 1.25 281,250 1.25 281,250
2005 Ford Expedition 1.15 312,500 1.15 312,500
2007 Honda Odyssey 0.80 140,000 0.80 140,000
2009 Toyota Prius 4 Dr 0.80 67,500 0.80 67,500
2010 Buick Lucerne 1.00 112,500 0.95 106,875
Total * $21,650,000 $21,633,962 1.001
Notes: ALCV is Aggregate Loss Cost Volume generated from manual rating each vehicle by territory and class for
all appropriate discounts and surcharges.
* Total reflects all vehicles by territory and coverage. Without the use of an offset, the adoption of the program would produce a premium change of $21,633,962/$21,650,000 = -0.1% (within rounding) for Bodily Injury/Property Damage coverages. To implement this revision on balance, one would need to apply an offset factor of 1.001 (1/0.999) to the present base loss costs/rates for PIP/Medical Payments in State X, Territory Y.
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© Insurance Services Office, Inc., 2011
Offset Calculation Example
Update from the 2008 LPMP Program (PIP/Med. Pay. Coverages)
Model Year 1998 Implementation Assumption
Current ISO PIP/Med. Pay. Vehicle Rating in Effect
State X
Territory Y
Coverage PIP/Medical Payments
(1) (2) (3) (4) (5)
Model Previous Present Revised Revised Offset
Year Vehicles Relativity ALCV Relativity ALCV Total (2) ÷ Total (4)
< 1998 All Vehicles 1.00 6,150,000 1.00 6,150,000
1998 Chevrolet Cavalier 2 Dr 1.20 51,750 1.25 53,906
2001 Dodge Intrepid 4 Dr 1.15 25,875 1.15 25,875
2003 Dodge Neon 4 Dr 1.25 109,375 1.25 109,375
2005 Ford Expedition 1.00 292,500 1.00 292,500
2007 Honda Odyssey 0.80 54,000 0.80 54,000
2009 Toyota Prius 4 Dr 0.90 33,000 0.80 29,333
2010 Buick Lucerne 0.90 63,450 0.95 66,975
Total * $6,779,950 $6,781,964 1.000
Notes: ALCV is Aggregate Loss Cost Volume generated from manual rating each vehicle by territory and class for
all appropriate discounts and surcharges.
* Total reflects all vehicles by territory and coverage. Without the use of an offset, the adoption of the program would produce a premium change of $6,781,964/$6,779,950 = 0.0% for PIP/Medical Payments coverages. To implement this revision on balance, one would not need to apply an offset factor to the present base loss costs/rates for Bodily Injury/Property Damage in State X, Territory Y.