| Automobile Insurance Premium Comparison > Rating Examples |
| Auto Insurance Premium Comparison
- Rating Examples |
| |
| Example 1-A: |
Young Single Male, age 23 (single car policy – without PLIGA surcharge)
Drives a 2005 Buick Century Custom, four-door sedan, with a Category II Anti-Theft
Device discount, active seatbelts and dual airbags, ISO rating symbol 8
Pleasure use – drives less than 3 miles daily
Has no motor vehicle violations/accidents in the past 3 years
Standard Policy:
Liability:
|
 |
| |
Bodily Injury Limits: $15,000/$30,000
Property Damage: $5,000 (or combined single limit of $35,000) |
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage: |
| |
Bodily Injury Limits: $15,000/$30,000
Property Damage: $5,000 (or combined single limit of $35,000) |
Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue |
| |
| Example 1-B: |
| Same as Example 1-A, but with Unlimited Right to Sue Option |
|
|
| |
| Example 2-A: |
|
Married couple, both between ages of 30 and 49 (multiple car policy – without PLIGA
surcharge)
|
 |
| Car # 1: |
| |
2011 Ford Escape XLS 4x4 4-door utility, with Category II Anti-Theft Device
discount, ISO rating symbol 11
Driven by husband to work 10 or more miles a day; 20,000 annual miles |
| Car # 2: |
| |
2009 Chrysler Town and Country LX, with a Category II Anti-Theft
Device discount, with side airbags, ISO rating symbol 8
Driven by wife to work less than 3 miles a day; less than 7,500 annual miles |
No motor vehicle violations/accidents within the past 3 years
Continuous insurance with same company for 5 years |
Standard Policy:
Liability: |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage: |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Comprehensive: $750 deductible (on Car #1 and Car #2)
Collision: $750 deductible (only Car #1)
Limited Right to Sue |
| |
| Example 2-B: |
| Same as Example 2-A, but with Unlimited Right to Sue Option |
|
|
| |
| Example 3-A: |
|
Unmarried male, 35 years old (without PLIGA surcharge)
2011 Ford Escape XLS 4x4 4-door utility, with Category II Anti-Theft Device
discount, ISO rating symbol 11
Has no motor vehicle violations/accidents in the past 3 years
Uses Mass Transit to work – pleasure use, less than 3 miles to train/bus station
Standard Policy:
Liability: |
 |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage: |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue |
| |
| Example 3-B: |
| Same as Example 3-A, but insured drives to work, long commute |
|
|
| |
| Example 4-A: |
|
Married couple, both 65 or older (single car policy – without PLIGA surcharge)
Drive a 2011 Ford Escape XLS 4x4 4-door utility, with Category II Anti-Theft device
discount, ISO rating symbol 11
Pleasure use (10,000 annual miles)
Has no motor vehicle violations/accidents within the past 3 years
Standard Policy:
Liability: |
 |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Personal Injury Protection: $250,000; $250 deductible
Uninsured Motorist Coverage: |
| |
Bodily Injury Limits: $100,000/$300,000
Property Damage: $25,000 (or combined single limit of $300,000) |
Comprehensive: $750 deductible
Collision: $750 deductible
Limited Right to Sue |
| |
| Example 4-B: |
| Same as Example 4-A, but with Unlimited Right to Sue Option |
|
|
| |
| Example 5 |
|
Young Single Female, age 23 (single car policy – without PLIGA surcharge)
Drives a 2005 Buick Century Custom, four-door sedan, active seatbelts and dual
airbags, ISO rating symbol 8
Drives 5 miles to work each day and 12,000 miles annually
Has no motor vehicle violation/accidents within the past 3 years
Basic Policy:
Liability:
|
 |
| |
Property Damage: $5,000
No optional Bodily Injury coverage
Personal Injury Protection (PIP): $15,000
No physical damage coverage
Limited Right to Sue |
|
|
