filing at a glance name/number: / filing at a glance company: progressive direct insurance company...
TRANSCRIPT
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Filing at a Glance
Company: Progressive Direct Insurance Company
Product Name: MA 200805 SERFF Tr Num: PRGS-125614622 State: Massachusetts
TOI: 19.1/21.4 Private Passenger Auto SERFF Status: Closed State Tr Num: 112178
Sub-TOI: 19.1002/21.1000 PPA Liability and
Physical Damage Combination
Co Tr Num: MADI200805 State Status: Closed-Placed On
File
Filing Type: Rate/Rule Co Status: Reviewer(s): Conrad Ciszek,
Andrea Guen
Author: MA Filer Disposition Date: 04/25/2008
Date Submitted: 04/22/2008 Disposition Status: Placed on File
Effective Date Requested (New): 05/01/2008 Effective Date (New): 05/01/2008
Effective Date Requested (Renewal): Effective Date (Renewal):
General Information
Project Name: Status of Filing in Domicile: Not Filed
Project Number: Domicile Status Comments:
Reference Organization: Reference Number:
Reference Title: Advisory Org. Circular:
Filing Status Changed: 04/25/2008
State Status Changed: 04/25/2008 Deemer Date:
Corresponding Filing Tracking Number:
Filing Description:
Dear Commissioner Burnes,
Thank-you for the extensive time and effort that the Division has invested in the review of our filing. Based upon
conversations over the past many weeks, here is a revised document reflecting all of the changes agreed to with the
Division.
We are very excited about the opportunity to serve Massachusetts customers and look forward to writing our first
policies on May 1st.
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Regards
Cathy Wilton-Bransch
Product Manager
Progressive Insurance
Company and Contact
Filing Contact Information
Cathy Wilton-Bransch, Product Manager [email protected]
300 N. Commons (440) 395-0454 [Phone]
Mayfield Village, OH 44143 (440) 395-1812[FAX]
Filing Company Information
Progressive Direct Insurance Company CoCode: 16322 State of Domicile: Ohio
6300 Wilson Mills Rd, N72 Group Code: 155 Company Type:
Cleveland, OH 44143 Group Name: State ID Number:
(440) 461-5000 ext. [Phone] FEIN Number: 34-1524319
---------
Filing Fees
Fee Required? No
Retaliatory? No
Fee Explanation:
Per Company: No
State Specific
P&C ONLY: If the filing includes endorsements, are they mandatory at issue or elected by applicant? If elected, by what
process does the applicant elect?: NA
P&C, HEALTH ONLY: Is there a companion rate/rule or form filing, and if so, indicate the State or SERFF tracking
number and date submitted.: NA
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
LIFE & ANNUITY PRODUCT FILINGS ONLY: A list of all previously approved riders, endorsements, and/or notices that
will be used with this product is required. Please do not include riders that have not been previously approved on this
list.: NA
P&C-ENDORSMENT FILINGS: Please indicate the form numbers of the coverage forms the endorsement will be
attached to.: NA
P&C - EXCLUSION ENDORSEMENTS ONLY: Indicate the number of states where form was submitted, approvals and
disapprovals received.: NA
P&C - If declaration page or cover page is being used to comply with M.G.L. Chapter 175, sections 18 and 192, please
indicate form number and date placed on file in the filing description field.: NA
Please indicate if the form(s) or rate(s) filed been approved in domicile state and in how many juristictions the form/rate
has been filed (include the number of approvals/disapprovals received)?: NA
LIFE & ANNUITY PRODUCT FILINGS ONLY: A copy of previously approved application(s) that will be used with this
product is to be included in this filing.: NA
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Correspondence Summary
Dispositions
Status Created By Created On Date Submitted
Placed on
File
Andrea Guen 04/25/2008 04/25/2008
Objection Letters and Response Letters
Objection Letters Response Letters
Status Created By Created On Date Submitted Responded By Created On Date Submitted
Pending
Industry
Response
Andrea Guen 04/23/2008 04/23/2008 MA Filer 04/24/2008 04/24/2008
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Disposition
Disposition Date: 04/25/2008
Effective Date (New): 05/01/2008
Effective Date (Renewal):
Status: Placed on File
Comment: After completion of actuarial review, the Division of Insurance has placed on file the above-referenced filing
with your initial requested effective date.
If you need to delay the effective date, please notify me via Note to Reviewer in SERFF.
Please note that use of any filing is contingent upon the insurer’s compliance with all relevant statutes, regulations,
licensing requirements.
Respectfully,
Andrea Guen
Policy Form Reviewer
State Rating Bureau
Massachusetts Division of Insurance
Rate data does NOT apply to filing.
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Item Type Item Name Item Status Public Access
Supporting Document Certification of Compliance Form Yes
Supporting Document Checklist(s) Yes
Supporting Document Copy of Approved Application Yes
Supporting Document Lock Box Form Yes
Supporting Document Statement of Variability Yes
Supporting Document MA Complete Filing Yes
Supporting Document Lock Box Form and Transmittal Form Yes
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Objection Letter
Objection Letter Status Pending Industry Response
Objection Letter Date 04/23/2008
Submitted Date 04/23/2008
Respond By Date 04/30/2008
Dear Cathy Wilton-Bransch,
The above referenced filing, sent on 2/22/08 via paper, sent on 4/22/08 in SERFF, filing fee at bank on 2/26/08, is
pending within the State Rating Bureau. To formally release and dispose the submission in SERFF, please respond
to the following 2 objections in accordance with SERFF procedures for Responding to an Objection Letter
(responding to each objection, one for one):
Upon receipt of your response, this filing will be formally closed in SERFF.
Sincerely,
Andrea Guen
Response Letter
Response Letter Status Submitted to State
Response Letter Date 04/24/2008
Submitted Date 04/24/2008 Dear Andrea Guen, Comments:
In response to your objection letter dated April 23, 2008, please find attached PDF files below for the lock box form and
the corrected transmittal form for Progressive Direct Insurance Company.
Thank you.
Response 1Comments: Please find attached PDF files below for the lock box form and the corrected transmittal form for
Progressive Direct Insurance Company.
-
-
-
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Thank you.
Related Objection 1
Applies To:
Lock Box Form (Supporting Document)
Comment:
This section was bypassed indicating, "This form has already been submitted with the original filing submitted on
February 22, 2008". Although form and check were previously sent, be advised that the copy of such form should
still have been attached as proper filing procedure. The Division was not looking for an additional form and
payment. Please acknowledge.
Related Objection 2
Applies To:
Checklist(s) (Supporting Document)
MA Complete Filing (Supporting Document)
Comment:
This filing was submitted only o/b/o Progressive Direct Insurance Company, yet the Property & Casualty
Transmittal Document within both documents inaccurately reflects 2 participating insurers. To ensure and
maintain accurate filing records, please correct and forward.
Changed Items: Supporting Document Schedule Item Changes
Satisfied -Name: Lock Box Form and Transmittal Form
Comment:
No Form Schedule items changed.
No Rate/Rule Schedule items changed.
Thank you. Sincerely,
MA Filer
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Supporting Document Schedules
Review Status:
Satisfied -Name: Certification of Compliance Form 04/17/2008
Comments:
Please find attached the Certificate of Compliance form.
Attachment:
Cert of Compliance.pdf
Review Status:
Satisfied -Name: Checklist(s) 04/17/2008
Comments:
Please find attached the Transmittal Form, Certificate of Average Premium, Rate Filing Abstract and Rate Sample
Request.
Attachment:
Section A - Checklist.pdf
Review Status:
Bypassed -Name: Copy of Approved Application 04/17/2008
Bypass Reason: NA
Comments:
Review Status:
Bypassed -Name: Lock Box Form 04/17/2008
Bypass Reason: This form has already been submitted with the original filing submitted on February 22, 2008
Comments:
Review Status:
Bypassed -Name: Statement of Variability 04/17/2008
Bypass Reason: NA
Comments:
Review Status:
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Satisfied -Name: MA Complete Filing 04/22/2008
Comments:
Please find attached the complete filing for Progressive Direct Insurance Company. The filing contains:
Section A – Forms
•Transmittal Form
•Rate Filing Abstract
•Certificate of Compliance
•Certificate for Average Premiums
•Sample Premiums
Section B – Rating Manual
•Appendix A – Rate Order of Calculation
•Appendix B – Rating Factor Pages
Section C – Actuarial Justification – Rating Factors
Section D – Vehicle Rating Symbol Set
Attachment:
MA PROG Complete Filing - 200805.pdf
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Review Status:
Satisfied -Name: Lock Box Form and Transmittal
Form04/24/2008
Comments:
Attachments:
lock box.pdf
MA 200805 - TRANSMITTAL.pdf
Certification of Compliance
Company Name: \i1J~Y{('~i\le. b~ (e A \\'\\\J{Me~ (r)(Y\pJJ\j (the "Company")
Company File Number: ~OO~OS (the "Filing")
As a representative of the Company, duly authorized by the Company to give thisCertification on its behalf, I hereby certi~ under the pains and penalties ofperjury, that this Filing is in com~li
,
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, with a
,
lI relevant)aws and regulations ofthe Commonwealth of ch.
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Signature: "'-, --- :c; )Date: 0 "1,/~? 10 ~"",
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Property &Casualty Transmittal Document
"11 1. "%1%11";,-Ira_;-~a. Date the filingis received:
b. Analyst:c. Disposition:
d. Date of disposition of the filing:e. Effectivedate of filine:.
New BusinessRenewal Business
f. State Filing#:
g. SERFF Filing#:
h. Subject Codes
G Company Tracking Number
Contact Infoof Filers or Corporate Officers6. Name and address Title
MAProductManaoer
~ MA01 200805
[includetoll-free number]Telephone #s FAX #440-395-0454 440-395-1812
e-mailCathy [email protected]
I
Cathy Wilton-Bransch
Private Passenger Automobile Program[ ] Rate/Loss Cost [] Rules [X] Rates/Rules[ ] Forms [ ] Combination Rates/Rules/Forms[ ] Withdrawal[ ] Other (give description)
14. Effective Date s Re uested15. Reference Filing?16. Reference Or anization (if applicable17. Reference Or anization # & Title18. Compan's Date of Filing19. Status of filina in domicile
Renewal:~I
1 Authorized ] Dis~p~roved
3. Group Name Group NAIC#Progressive Insurance Group 155
4. Company Name(s) Domicile NAIC# FEIN# State #
Progressive Direct Insurance OH 16322 34-1524319 -CompanyProgressive Casualty Insurance OH 24260 34-6513736Comoanv
PC TD-1 pg 1 of 2 Property & Casualty Transmittal Document—
20. This filing transmittal is part of Company Tracking # MA DI 200805 21. Filing Description [This area can be used in lieu of a cover letter or filing memorandum and is free-form text] 22. Filing Fees (Filer must provide check # and fee amount if applicable)
[If a state requires you to show how you calculated your filing fees, place that calculation below] Check #: 601459696 Amount: $150.00
Refer to each state’s checklist for additional state specific requirements or instructions on calculating fees.
***Refer to the each state’s checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC TD-1 pg 2 of 2
© 2007 National Association of Insurance Commissioners
RATE/RULE FILING SCHEDULE (This form must be provided ONLY when making a filing that includes rate-related items such as Rate; Rule; Rate &
Rule; Reference; Loss Cost; Loss Cost & Rule or Rate, etc.) (Do not refer to the body of the filing for the component/exhibit listing, unless allowed by state.)
1. This filing transmittal is part of Company Tracking # MA DI 200805
2. This filing corresponds to form filing number (Company tracking number of form filing, if applicable)
N/A
Rate Increase Rate Decrease Rate Neutral (0%)
3. Filing Method (Prior Approval, File & Use, Flex Band, etc.) Prior Approval 4a. Rate Change by Company (As Proposed) Company
Name Overall % Indicated Change (when
applicable)
Overall % Rate Impact
Written premium change for this
program
# of policyholders
affected for this
program
Written premium for this
program
Maximum %
Change (where
required)
Minimum % Change
(where required)
Progressive Direct Insurance Company
N/A N/A N/A N/A N/A N/A N/A
4b. Rate Change by Company (As Accepted) For State Use Only Company
Name Overall % Indicated Change (when
applicable)
Overall % Rate Impact
Written premium change for this
program
# of policyholders
affected for this
program
Written premium for this
program
Maximum %
Change
Minimum % Change
5. Overall Rate Information (Complete for Multiple Company Filings only)
COMPANY USE STATE USE
5a Overall percentage rate indication (when applicable)
5b Overall percentage rate impact for this filing
5c Effect of Rate Filing – Written premium change for this program
5d Effect of Rate Filing – Number of policyholders affected
6. Overall percentage of last rate revision N/A 7. Effective Date of last rate revision N/A
8. Filing Method of Last filing (Prior Approval, File & Use, Flex Band, etc.)
N/A
9. Rule # or Page # Submitted for Review
Replacement or withdrawn?
Previous state filing number, if required by state
01 Please refer to Exhibit B for a complete set of NEW Rules
[ X ] New [ ] Replacement [ ] Withdrawn
PC RRFS-1 © 2007 National Association of Insurance Commissioners
Effective March 1, 2007
MASSACHUSETTS DIVISION OF INSURANCE RATE FILING ABSTRACT
COMPANY and NAIC ID Progressive Direct Insurance Company (NAIC # : 16322) ANNUAL STATEMENT LINE OF INSURANCE REPORTED UNDER: PROGRESSIVE DIRECT INSURANCE COMPANY SUBLINE OF INSURANCE: Private Passenger Auto COMPANY PROGRAM NAME AS FILED: Private Passenger Automobile Program LATEST YEAR MASSACHUSETTS DIRECT WRITTEN PREMIUM FOR (B.) ABOVE: N/A 1. OVERALL RATE LEVEL CHANGE (+/-): N/A Formula Indicated: _____________ Proposed/Selected: ____________ 2. RATE LEVEL HISTORY FOR THIS PROGRAM, LINE OR SUBLINE: N/A YEAR % CHANGE (begin with most recent revision)
______ ________ ______ ________ ______ ________ ______ ________
3. NUMBER OF EXPERIENCE YEARS ANALYZED N/A 4. CREDIBILITY STANDARDS / METHODS USED: (check all that apply) N/A ____ a. By Experience Year: percentage credibility given most recent year________________________ ____ b. Massachusetts versus Countrywide: percentage credibility given Massachusetts _____________ ____ c. Other (specify) ________________________________________________________________ _________________________________________________________________ 5. HAVE PREMIUMS/EXPOSURES BEEN TRENDED? N/A YES ______ NO _______ 6. ARE PREMIUMS ADJUSTED TO CURRENT LEVEL? N/AYES ______ NO _______ BRIEF EXPLANATION __________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________
Page 1 of 2 SRB-RA (2006)
MASSACHUSETTS DIVISION OF INSURANCERATE FILING ABSTRACT
11
II
7. METHOD USED FOR LOSS TRENDINGN/AANNUAL RATE OF CHANGE ASSUMEDEFFECTIVEDATE-
TREND FACTORS DERIVED: (begin with latest experience year)YEAR TRENDFACTOR
8. HAVE LOSSES BEEN DEVELOPED? N/A YES- NO
If yes, Massachusetts-only data - Countrywide-only data Both
LOSS DEVELOPMENT FACTORS USED (begin with latest year)YEAR MATURITY FACTOR-ULTIMATE----
9. WHAT UNTRENDED, EXPECTED LOSS RATIO IS USED? N/A
10. EXPENSES ARE BASED ON:MASSACHUSETTS DATA _COUNTRYWIDE DATA X
11. LIST EACH EXPENSEPROVISION AND INDICATE WHETHERTREATED AS FLAT OR ASVARIABLE PROVISION:
General ExpenseCommissions/Bro kerageOther AcquisitionTaxes, Licenses, FeesOther (explain)Underwriting Profit
11%. VariableO.N/A11.2%. FlatSee General ExpensesN/A4.5%~variable
12. HAS INVESTMENT INCOME BEEN EXPLICITLY REFLECTEDIN THE FILING?
YES - NO X METHOD/MODELUSED
13. WHAT LOSS ADJUSTMENTEXPENSE FACTORS (% OF LOSS) ARE USED?ALLOCATED 2.3% UNALLOCATED 13%
14. DESCRIBE ANY CHANGES IN COVERAGE SINCE LAST RATE/LOSSCOST CHANGE:N/A
*************************************************************************************
PERSON COMPLETING THIS ABSTRACT Cathy Wilton-Bransch(print)
TITLE Product ManagerTELEPHONE # 440-395-0454E-MAIL Cathy [email protected]
OFFICER SIGNA:
!!"
O(j,/~~(~R
SRB-RA (2006)
L
Certification of Compliance
Company Name: \i1J~Y{('~i\le. b~ (e A \\'\\\J{Me~ (r)(Y\pJJ\j (the "Company")
Company File Number: ~OO~OS (the "Filing")
As a representative of the Company, duly authorized by the Company to give thisCertification on its behalf, I hereby certi~ under the pains and penalties ofperjury, that this Filing is in com~li
,
a
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, with a
,
lI relevant)aws and regulations ofthe Commonwealth of ch.
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Progressive Direct Insurance Company Private Passenger Automobile Program Rate Filing for the Commonwealth of Massachusetts Certification of Distribution of Average Premiums Rate Effective Date: May 1, 2008 The rate changes presented below are an estimate between the rates proposed in this filing and the private passenger motor vehicle insurance rates effective for the period April 1, 2007 through March 31, 2008.
Coverage Rate ChangeComp RBI/Opt RBI -27.8%Property Damage -25.1%
Personal Injury Protection -26.6%Medical Payments -16.1%
Comprehensive -33.7%Collision -32.5%
Uninsured Motorists -26.1%Total -19.8%
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestDriver & Vehicle Characteristics Policy Coverage Options Territory Rate RateNumber of Drivers: 1 20/40 Bodily Injury 1 $525 $683Years Licensed: 6 20/40 Uninsured Motorists 2 $546 $712Accidents/Violations: None 20/40 Underinsured Motorists 3 $555 $725Annual Mileage/Vehicle: 15,000 miles $25,000 Property Damage Liability 4 $573 $751Lapse in Coverage Past 24 Months: None Basic PIP 5 $582 $762Vehicle Use: Commute to Work $500 Deductible Collision 6 $607 $796Number of Vehicles: 1 $500 Deductible Comprehensive 7 $626 $821Vehicle Type: 2003 Toyota Camry Sedan LE 6 cyl $30/$900 Substitute Transportation 8 $639 $837
9 $658 $86810 $659 $87211 $674 $88512 $724 $95313 $759 $1,00514 $813 $1,07515 $926 $1,22116 $908 $1,20117 $689 $90618 $817 $1,07119 $870 $1,14720 $859 $1,11921 $971 $1,28522 $1,063 $1,41323 $758 $99424 $781 $1,02725 $830 $1,08826 $961 $1,26627 $504 $65440 $756 $99641 $743 $98742 $835 $1,10743 $859 $1,13744 $853 $1,12845 $883 $1,168
Sample Policy #1 - New Business
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestDriver & Vehicle Characteristics Policy Coverage Options Territory Rate RateNumber of Drivers: 1 20/40 Bodily Injury 1 $525 $683Years Licensed: 6 20/40 Uninsured Motorists 2 $546 $712Accidents/Violations: None 20/40 Underinsured Motorists 3 $555 $725Annual Mileage/Vehicle: 15,000 miles $25,000 Property Damage Liability 4 $573 $751Lapse in Coverage Past 24 Months: None Basic PIP 5 $582 $762Vehicle Use: Commute to Work $500 Deductible Collision 6 $607 $796Number of Vehicles: 1 $500 Deductible Comprehensive 7 $626 $821Vehicle Type: 2003 Toyota Camry Sedan LE 6 cyl $30/$900 Substitute Transportation 8 $639 $837
9 $658 $86810 $659 $87211 $674 $88512 $724 $95313 $759 $1,00514 $813 $1,07515 $926 $1,22116 $908 $1,20117 $689 $90618 $817 $1,07119 $870 $1,14720 $859 $1,11921 $971 $1,28522 $1,063 $1,41323 $758 $99424 $781 $1,02725 $830 $1,08826 $961 $1,26627 $504 $65440 $756 $99641 $743 $98742 $835 $1,10743 $859 $1,13744 $853 $1,12845 $883 $1,168
Sample Policy #1 - Insured with Company for 3 Years
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $1,573 $1,706Number of Drivers: 3 100/300 Bodily Injury 2 $1,632 $1,769Lapse in Coverage Past 24 Months: None 100/300 Uninsured Motorists 3 $1,692 $1,831Driver 1: Licensed 24 years 100/300 Underinsured Motorists 4 $1,789 $1,932 One violation over 15 mph 18 months ago $100,000 Property Damage Liability 5 $1,828 $1,973 Commutes to work; drives 20,000 miles annually Basic PIP 6 $1,935 $2,086Driver 2: Licensed 22 years $500 Deductible Collision/car 7 $1,969 $2,123 No accidents or violations in past three years $500 Deductible Comprehensive/car 8 $2,052 $2,211 Commutes to work; drives 15,000 miles annually 9 $2,126 $2,287Driver 3: Licensed 1 year 10 $2,237 $2,399 No accidents of violations in past year 11 $2,326 $2,496 Occasionally uses one of two cars 12 $2,414 $2,592 Statutory Driver Training Completed 13 $2,537 $2,719Vehicles: 2003 Toyota Camry LE sedan 6 cyl. 14 $2,695 $2,888 1998 Ford Taurus GL Sedan 6 cyl. 15 $2,992 $3,208
16 $2,988 $3,19817 $2,293 $2,46418 $2,814 $3,01619 $2,919 $3,12720 $2,892 $3,10321 $3,233 $3,45822 $3,318 $3,55623 $2,773 $2,96324 $2,597 $2,78825 $2,894 $3,09826 $3,153 $3,37927 $1,471 $1,60040 $2,589 $2,77441 $2,611 $2,79142 $2,904 $3,10343 $2,893 $3,09644 $2,937 $3,13945 $2,918 $3,125
Sample Policy #2 - New Business
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $1,573 $1,706Number of Drivers: 3 100/300 Bodily Injury 2 $1,632 $1,769Lapse in Coverage Past 24 Months: None 100/300 Uninsured Motorists 3 $1,692 $1,831Driver 1: Licensed 24 years 100/300 Underinsured Motorists 4 $1,789 $1,932 One violation over 15 mph 18 months ago $100,000 Property Damage Liability 5 $1,828 $1,973 Commutes to work; drives 20,000 miles annually Basic PIP 6 $1,935 $2,086Driver 2: Licensed 22 years $500 Deductible Collision/car 7 $1,969 $2,123 No accidents or violations in past three years $500 Deductible Comprehensive/car 8 $2,052 $2,211 Commutes to work; drives 15,000 miles annually 9 $2,126 $2,287Driver 3: Licensed 1 year 10 $2,237 $2,399 No accidents of violations in past year 11 $2,326 $2,496 Occasionally uses one of two cars 12 $2,414 $2,592 Statutory Driver Training Completed 13 $2,537 $2,719Vehicles: 2003 Toyota Camry LE sedan 6 cyl. 14 $2,695 $2,888 1998 Ford Taurus GL Sedan 6 cyl. 15 $2,992 $3,208
16 $2,988 $3,19817 $2,293 $2,46418 $2,814 $3,01619 $2,919 $3,12720 $2,892 $3,10321 $3,233 $3,45822 $3,318 $3,55623 $2,773 $2,96324 $2,597 $2,78825 $2,894 $3,09826 $3,153 $3,37927 $1,471 $1,60040 $2,589 $2,77441 $2,611 $2,79142 $2,904 $3,10343 $2,893 $3,09644 $2,937 $3,13945 $2,918 $3,125
Sample Policy #2 - Insured with Company for 3 Years
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $448 $594Number of Drivers: 1 100/300 Bodily Injury 2 $427 $619Years Licensed: 52 100/300 Uninsured Motorists 3 $435 $630Accidents/Violations: None 100/300 Underinsured Motorists 4 $449 $653Annual Mileage/Vehicle: 4,000 miles $100,000 Property Damage Liability 5 $456 $662Lapse in Coverage Past 24 Months: None Basic PIP 6 $475 $690Vehicle Use: Pleasure $500 Deductible Collision 7 $488 $708Number of Vehicles: 1 $500 Deductible Comprehensive 8 $498 $723Vehicle Type: 2003 Toyota Camry Sedan LE 6 cyl $30/$900 Substitute Transportation 9 $518 $753
10 $520 $75811 $527 $76412 $564 $81913 $595 $86614 $637 $92415 $722 $1,04416 $702 $1,01217 $540 $78418 $625 $90119 $671 $96920 $657 $94221 $748 $1,08022 $806 $1,17323 $587 $84524 $602 $87425 $635 $91526 $732 $1,05827 $394 $57040 $594 $86041 $590 $85942 $664 $96043 $671 $97444 $664 $95445 $689 $998
Sample Policy #3 -New Business
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $448 $594Number of Drivers: 1 100/300 Bodily Injury 2 $427 $619Years Licensed: 52 100/300 Uninsured Motorists 3 $435 $630Accidents/Violations: None 100/300 Underinsured Motorists 4 $449 $653Annual Mileage/Vehicle: 4,000 miles $100,000 Property Damage Liability 5 $456 $662Lapse in Coverage Past 24 Months: None Basic PIP 6 $475 $690Vehicle Use: Pleasure $500 Deductible Collision 7 $488 $708Number of Vehicles: 1 $500 Deductible Comprehensive 8 $498 $723Vehicle Type: 2003 Toyota Camry Sedan LE 6 cyl $30/$900 Substitute Transportation 9 $518 $753
10 $520 $75811 $527 $76412 $564 $81913 $595 $86614 $637 $92415 $722 $1,04416 $702 $1,01217 $540 $78418 $625 $90119 $671 $96920 $657 $94221 $748 $1,08022 $806 $1,17323 $587 $84524 $602 $87425 $635 $91526 $732 $1,05827 $394 $57040 $594 $86041 $590 $85942 $664 $96043 $671 $97444 $664 $95445 $689 $998
Sample Policy #3 -New Business - Insured with Company for 3 Years
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $1,063 $1,318Number of Drivers: 2 100/300 Bodily Injury 2 $1,149 $1,388Lapse in Coverage Past 24 Months: None 100/300 Uninsured Motorists 3 $1,176 $1,421Driver 1: Licensed 24 years 100/300 Underinsured Motorists 4 $1,227 $1,483 One violation over 15 mph 18 months ago $100,000 Property Damage Liability 5 $1,248 $1,507 Commutes to work; drives 20,000 miles annually Basic PIP 6 $1,314 $1,587Driver 2: Licensed 22 years $500 Deductible Collision/car 7 $1,355 $1,636 No accidents or violations in past three years $500 Deductible Comprehensive/car 8 $1,389 $1,677 Commutes to work; drives 15,000 miles annually 9 $1,461 $1,768Vehicles: 2003 Toyota Camry LE sedan 6 cyl. 10 $1,471 $1,782 1998 Ford Taurus GL Sedan 6 cyl. 11 $1,485 $1,795
12 $1,613 $1,94813 $1,722 $2,08514 $1,857 $2,24715 $2,134 $2,58116 $2,061 $2,49417 $1,532 $1,85218 $1,801 $2,17019 $1,959 $2,36720 $1,897 $2,28521 $2,215 $2,67722 $2,426 $2,92223 $1,674 $2,02324 $1,739 $2,09625 $1,833 $2,20926 $2,164 $2,60627 $1,035 $1,24840 $1,710 $2,07141 $1,706 $2,07142 $1,942 $2,36043 $1,971 $2,38544 $1,927 $2,33745 $2,028 $2,453
Sample Policy #4 - New Business
Progressive Direct Insurance CompanyPrivate Passenger Automobile ProgramRate Filing for the Commonwealth of MassachusettsSample Premiums Resulting from Rates Effective May 1, 2008
RatingCategory: -------- --------
Rating Lowest HighestTerritory Rate Rate
Driver & Vehicle Characteristics Policy Coverage Options 1 $1,063 $1,318Number of Drivers: 2 100/300 Bodily Injury 2 $1,149 $1,388Lapse in Coverage Past 24 Months: None 100/300 Uninsured Motorists 3 $1,176 $1,421Driver 1: Licensed 24 years 100/300 Underinsured Motorists 4 $1,227 $1,483 One violation over 15 mph 18 months ago $100,000 Property Damage Liability 5 $1,248 $1,507 Commutes to work; drives 20,000 miles annually Basic PIP 6 $1,314 $1,587Driver 2: Licensed 22 years $500 Deductible Collision/car 7 $1,355 $1,636 No accidents or violations in past three years $500 Deductible Comprehensive/car 8 $1,389 $1,677 Commutes to work; drives 15,000 miles annually 9 $1,461 $1,768Vehicles: 2003 Toyota Camry LE sedan 6 cyl. 10 $1,471 $1,782 1998 Ford Taurus GL Sedan 6 cyl. 11 $1,485 $1,795
12 $1,613 $1,94813 $1,722 $2,08514 $1,857 $2,24715 $2,134 $2,58116 $2,061 $2,49417 $1,532 $1,85218 $1,801 $2,17019 $1,959 $2,36720 $1,897 $2,28521 $2,215 $2,67722 $2,426 $2,92223 $1,674 $2,02324 $1,739 $2,09625 $1,833 $2,20926 $2,164 $2,60627 $1,035 $1,24840 $1,710 $2,07141 $1,706 $2,07142 $1,942 $2,36043 $1,971 $2,38544 $1,927 $2,33745 $2,028 $2,453
Sample Policy #4 - Insured with Company for 3 Years
Created by SERFF on 06/25/2008 09:53 AM
SERFF Tracking Number: PRGS-125614622 State: Massachusetts
Filing Company: Progressive Direct Insurance Company State Tracking Number: 112178
Company Tracking Number: MADI200805
TOI: 19.1/21.4 Private Passenger Auto Sub-TOI: 19.1002/21.1000 PPA Liability and Physical
Damage Combination
Product Name: MA 200805
Project Name/Number: /
Attachment "MA PROG Complete Filing - 200805.pdf" is larger than 3MB and cannot be reproduced
here.
Property & Casualty Transmittal Document
2. Insurance Department Use only a. Date the filing is received: b. Analyst: c. Disposition: d. Date of disposition of the filing: e. Effective date of filing: New Business Renewal Business f. State Filing #: g. SERFF Filing #: h. Subject Codes
3. Group Name Group NAIC # Progressive Insurance Group 155
5. Company Tracking Number MA DI 200805
Contact Info of Filer(s) or Corporate Officer(s) [include toll-free number] 6. Name and address Title Telephone #s FAX # e-mail
Cathy Wilton-Bransch
MA Product Manager
440-395-0454 440-395-1812 [email protected]
7. Signature of authorized filer 8. Please print name of authorized filer Cathy Wilton-Bransch
Filing information (see General Instructions for descriptions of these fields) 9. Type of Insurance (TOI) Personal Auto
10. Sub-Type of Insurance (Sub-TOI) Private Passenger Auto 11. State Specific Product code(s)(if
applicable)[See State Specific Requirements]
12. Company Program Title (Marketing title) Private Passenger Automobile Program 13. Filing Type [ ] Rate/Loss Cost [ ] Rules [ X ] Rates/Rules
[ ] Forms [ ] Combination Rates/Rules/Forms [ ] Withdrawal[ ] Other (give description)
14. Effective Date(s) Requested New: 05/01/2008 Renewal: 15. Reference Filing? [ ] Yes [X ] No 16. Reference Organization (if applicable) 17. Reference Organization # & Title 18. Company’s Date of Filing 02/22/2008 19. Status of filing in domicile [ X ] Not Filed [ ] Pending [ ] Authorized [ ] Disapproved
4. Company Name(s) Domicile NAIC # FEIN # State #
Progressive Direct Insurance Company
OH 16322 34-1524319 -
1 . Reserved for Insurance Dept. Use Only
Effective March 1, 2007
PC TD-1 pg 1 of 2 Property & Casualty Transmittal Document—
20. This filing transmittal is part of Company Tracking # MA DI 200805 21. Filing Description [This area can be used in lieu of a cover letter or filing memorandum and is free-form text] 22. Filing Fees (Filer must provide check # and fee amount if applicable)
[If a state requires you to show how you calculated your filing fees, place that calculation below] Check #: 601459696 Amount: $150.00
Refer to each state’s checklist for additional state specific requirements or instructions on calculating fees.
***Refer to the each state’s checklist for additional state specific requirements (i.e. # of additional copies required, other state specific forms, etc.) PC TD-1 pg 2 of 2
© 2007 National Association of Insurance Commissioners
RATE/RULE FILING SCHEDULE (This form must be provided ONLY when making a filing that includes rate-related items such as Rate; Rule; Rate &
Rule; Reference; Loss Cost; Loss Cost & Rule or Rate, etc.) (Do not refer to the body of the filing for the component/exhibit listing, unless allowed by state.)
1. This filing transmittal is part of Company Tracking # MA DI 200805
2. This filing corresponds to form filing number (Company tracking number of form filing, if applicable)
N/A
Rate Increase Rate Decrease Rate Neutral (0%)
3. Filing Method (Prior Approval, File & Use, Flex Band, etc.) Prior Approval 4a. Rate Change by Company (As Proposed) Company
Name Overall % Indicated Change (when
applicable)
Overall % Rate Impact
Written premium change for this
program
# of policyholders
affected for this
program
Written premium for this
program
Maximum %
Change (where
required)
Minimum % Change
(where required)
Progressive Direct Insurance Company
N/A N/A N/A N/A N/A N/A N/A
4b. Rate Change by Company (As Accepted) For State Use Only Company
Name Overall % Indicated Change (when
applicable)
Overall % Rate Impact
Written premium change for this
program
# of policyholders
affected for this
program
Written premium for this
program
Maximum %
Change
Minimum % Change
5. Overall Rate Information (Complete for Multiple Company Filings only)
COMPANY USE STATE USE
5a Overall percentage rate indication (when applicable)
5b Overall percentage rate impact for this filing
5c Effect of Rate Filing – Written premium change for this program
5d Effect of Rate Filing – Number of policyholders affected
6. Overall percentage of last rate revision N/A 7. Effective Date of last rate revision N/A
8. Filing Method of Last filing (Prior Approval, File & Use, Flex Band, etc.)
N/A
9. Rule # or Page # Submitted for Review
Replacement or withdrawn?
Previous state filing number, if required by state
01 Please refer to Section B for a complete set of NEW Rules
[ X ] New [ ] Replacement [ ] Withdrawn
PC RRFS-1 © 2007 National Association of Insurance Commissioners
Effective March 1, 2007