filing at a glance name/number: / filing at a glance company: 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: /

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.






Damage Combination



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






Damage Combination



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






Damage Combination



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






Damage Combination



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.






Damage Combination



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






Damage Combination



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.

-

-

-






Damage Combination



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






Damage Combination



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:






Damage Combination



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






Damage Combination



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

,

a

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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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Section A – Forms

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


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


applicable)



program

# of policyholders

affected for this

program


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

""

, with a

,

lI relevant)aws and regulations ofthe Commonwealth of ch.

, ,,;,,'/

/ y /'1' /'

Signature: "'-, --- :c; )Date: 0 "1,/~? 10 ~"",

~/' , f~ ",/

Name~:::5~~):-'-13". ' . > J: \-\'0" - n "'" (",?C~

Title: (\,'" ~ LA~..\. VI '"v, C:f r

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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



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



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





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





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




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




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







Damage Combination



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


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 #


OH 16322 34-1524319 -

1 . Reserved for Insurance Dept. Use Only


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


applicable)



program

# of policyholders

affected for this

program


program

Maximum %

Change (where

required)

Minimum % Change

(where required)


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


applicable)



program

# of policyholders

affected for this

program


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


filing at a glance name/number: / filing at a glance company: progressive direct insurance company...

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