oregon mutual insurance company custom shield … · 2019-02-12 · oregon mutual insurance company...
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OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-1
POLICY RATING FACTORS
Advance Quoting CreditQuoted Ahead Factor Coverage Mkt 5.0 Mkt 5.1 Mkt 5.3 Mkt 5.4
1-7 Days 1.00 BI $86.70 $67.30 $102.00 $159.401-7 Days 1.00 PD $92.00 $60.00 $124.80 $164.701-7 Days 1.00 PIP $79.00 $45.00 $144.40 $223.201-7 Days 1.00 UMBI $14.13 $13.66 $19.03 $26.601-7 Days 1.00 UMPD $1.85 $2.48 $2.85 $2.091-7 Days 1.00 COMP $48.70 $42.74 $78.90 $83.97
8-30 Days 0.98 COLL $207.00 $169.40 $355.50 $412.308-30 Days 0.988-30 Days 0.998-30 Days 1.008-30 Days 1.008-30 Days 1.0031+ Days 0.9631+ Days 0.9731+ Days 0.9831+ Days 0.9931+ Days 0.9931+ Days 1.00
Status BI PD PIP UMBI UMPD COMP COLLN 1.000 1.000 1.000 1.000 1.000 1.000 1.000Y 1.030 1.030 1.030 1.030 1.030 1.030 1.030
Status BI PD PIP UMBI UMPD COMP COLLN 1.00 1.00 1.00 1.00 1.00 1.00 1.00Y 0.95 0.95 0.95 0.95 0.95 0.95 0.95
BI PD PIP UMBI UMPD COMP COLL$19.00 $10.00 $6.00 $6.00 $1.00 $6.00 $14.00
Usage BI PD PIP UMBI UMPD COMP COLLSingle Car 1.00 1.00 1.00 1.00 1.00 1.00 1.00Multi Car 0.85 0.85 0.85 0.85 0.85 0.85 0.85
Credit BI PD PIP UMBI UMPD COMP COLLY 0.920 0.900 0.880 1.000 1.000 0.881 0.880N 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Base Rates
FIVE YEAR EXPERIENCE CREDIT
Fifth Renewal
Fifth Renewal0
First Renewal
0First Renewal
ACCIDENT FORGIVENESS RELATIVITIES
MULTI CAR DISCOUNT
Renewal Term0
First Renewal
Second RenewalThird Renewal
AFFINITY GROUP DISCOUNT RELATIVITIES
FIXED EXPENSE - PPV
Fourth Renewal
Fourth Renewal
Second RenewalThird Renewal
Fourth Renewal
Second RenewalThird Renewal
Fifth Renewal
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 1.3500 1.3500 1.9000 1.3500 1.3500 1.3500 1.3500
99 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337
1 1.8841 1.9472 2.5529 1.8841 1.8841 1.9472 1.8841
2 1.6122 1.6428 2.3804 1.6122 1.6122 1.6428 1.6122
3 1.5127 1.5326 2.2196 1.5127 1.5127 1.5326 1.5127
4 1.4337 1.4455 2.0267 1.4337 1.4337 1.4455 1.4337
5 1.3749 1.3810 1.8571 1.3749 1.3749 1.3810 1.3749
6 1.3252 1.3265 1.7195 1.3252 1.3252 1.3265 1.3252
7 1.2858 1.2836 1.6146 1.2858 1.2858 1.2836 1.2858
8 1.2497 1.2443 1.5214 1.2497 1.2497 1.2443 1.2497
9 1.2186 1.2107 1.4437 1.2186 1.2186 1.2107 1.2186
10 1.1924 1.1823 1.3795 1.1924 1.1924 1.1823 1.1924
11 1.1667 1.1545 1.3182 1.1667 1.1667 1.1545 1.1667
12 1.1435 1.1295 1.2640 1.1435 1.1435 1.1295 1.1435
13 1.1245 1.1090 1.2206 1.1245 1.1245 1.1090 1.1245
14 1.1076 1.0909 1.1828 1.1076 1.1076 1.0909 1.1076
15 1.0910 1.0731 1.1461 1.0910 1.0910 1.0731 1.0910
16 1.0747 1.0556 1.1106 1.0747 1.0747 1.0556 1.0747
17 1.0586 1.0384 1.0762 1.0586 1.0586 1.0384 1.0586
18 1.0463 1.0252 1.0502 1.0463 1.0463 1.0252 1.0463
19 1.0341 1.0121 1.0248 1.0341 1.0341 1.0121 1.0341
20 1.0220 0.9993 1.0000 1.0220 1.0220 0.9993 1.0220
21 1.0118 0.9884 0.9792 1.0118 1.0118 0.9884 1.0118
22 1.0000 0.9758 0.9556 1.0000 1.0000 0.9758 1.0000
23 0.9917 0.9669 0.9390 0.9917 0.9917 0.9669 0.9917
24 0.9817 0.9564 0.9195 0.9817 0.9817 0.9564 0.9817
25 0.9735 0.9477 0.9036 0.9735 0.9735 0.9477 0.9735
26 0.9654 0.9391 0.8879 0.9654 0.9654 0.9391 0.9654
27 0.9574 0.9305 0.8725 0.9574 0.9574 0.9305 0.9574
28 0.9510 0.9238 0.8604 0.9510 0.9510 0.9238 0.9510
29 0.9430 0.9154 0.8455 0.9430 0.9430 0.9154 0.9430
30 0.9383 0.9103 0.8366 0.9383 0.9383 0.9103 0.9383
31 0.9305 0.9021 0.8221 0.9305 0.9305 0.9021 0.9305
32 0.9243 0.8955 0.8107 0.9243 0.9243 0.8955 0.9243
33 0.9181 0.8890 0.7995 0.9181 0.9181 0.8890 0.9181
34 0.9135 0.8841 0.7911 0.9135 0.9135 0.8841 0.9135
35 0.9074 0.8777 0.7801 0.9074 0.9074 0.8777 0.9074
36 0.9013 0.8713 0.7693 0.9013 0.9013 0.8713 0.9013
37 0.8968 0.8665 0.7613 0.8968 0.8968 0.8665 0.8968
38 0.8923 0.8618 0.7533 0.8923 0.8923 0.8618 0.8923
39 0.8878 0.8571 0.7455 0.8878 0.8878 0.8571 0.8878
40 0.8849 0.8539 0.7403 0.8849 0.8849 0.8539 0.8849
41 0.8804 0.8493 0.7325 0.8804 0.8804 0.8493 0.8804
42 0.8760 0.8446 0.7249 0.8760 0.8760 0.8446 0.8760
43 0.8716 0.8400 0.7173 0.8716 0.8716 0.8400 0.8716
44 0.8687 0.8369 0.7123 0.8687 0.8687 0.8369 0.8687
45 0.8643 0.8324 0.7049 0.8643 0.8643 0.8324 0.8643
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.0
INSURANCE SCORE RELATIVITIES
RF-2 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
46 0.8614 0.8293 0.7000 0.8614 0.8614 0.8293 0.8614
47 0.8571 0.8248 0.6927 0.8571 0.8571 0.8248 0.8571
48 0.8543 0.8218 0.6878 0.8543 0.8543 0.8218 0.8543
49 0.8514 0.8188 0.6831 0.8514 0.8514 0.8188 0.8514
50 0.8486 0.8158 0.6783 0.8486 0.8486 0.8158 0.8486
51 0.8471 0.8143 0.6759 0.8471 0.8471 0.8143 0.8471
52 0.8443 0.8113 0.6712 0.8443 0.8443 0.8113 0.8443
53 0.8415 0.8084 0.6665 0.8415 0.8415 0.8084 0.8415
54 0.8373 0.8040 0.6596 0.8373 0.8373 0.8040 0.8373
55 0.8345 0.8010 0.6550 0.8345 0.8345 0.8010 0.8345
56 0.8331 0.7996 0.6527 0.8331 0.8331 0.7996 0.8331
57 0.8303 0.7998 0.6481 0.8303 0.8303 0.7998 0.8303
58 0.8289 0.7998 0.6459 0.8289 0.8289 0.7998 0.8289
59 0.8261 0.8000 0.6414 0.8261 0.8261 0.8000 0.8261
60 0.8233 0.8002 0.6369 0.8233 0.8233 0.8002 0.8233
61 0.8220 0.8003 0.6347 0.8220 0.8220 0.8003 0.8220
62 0.8192 0.8005 0.6303 0.8192 0.8192 0.8005 0.8192
63 0.8178 0.8006 0.6281 0.8178 0.8178 0.8006 0.8178
64 0.8151 0.8008 0.6237 0.8151 0.8151 0.8008 0.8151
65 0.8137 0.8009 0.6215 0.8137 0.8137 0.8009 0.8137
66 0.8124 0.8010 0.6193 0.8124 0.8124 0.8010 0.8124
67 0.8110 0.8011 0.6172 0.8110 0.8110 0.8011 0.8110
68 0.8083 0.8013 0.6129 0.8083 0.8083 0.8013 0.8083
69 0.8056 0.8015 0.6086 0.8056 0.8056 0.8015 0.8056
70 0.8029 0.8017 0.6044 0.8029 0.8029 0.8017 0.8029
71 0.8016 0.8018 0.6022 0.8016 0.8016 0.8018 0.8016
72 0.7989 0.8020 0.5981 0.7989 0.7989 0.8020 0.7989
73 0.7975 0.8021 0.5960 0.7975 0.7975 0.8021 0.7975
74 0.7962 0.8021 0.5939 0.7962 0.7962 0.8021 0.7962
75 0.7935 0.8023 0.5897 0.7935 0.7935 0.8023 0.7935
76 0.7922 0.8024 0.5877 0.7922 0.7922 0.8024 0.7922
77 0.7896 0.8026 0.5836 0.7896 0.7896 0.8026 0.7896
78 0.7882 0.8027 0.5816 0.7882 0.7882 0.8027 0.7882
79 0.7856 0.8029 0.5775 0.7856 0.7856 0.8029 0.7856
80 0.7830 0.8031 0.5735 0.7830 0.7830 0.8031 0.7830
81 0.7804 0.8033 0.5695 0.7804 0.7804 0.8033 0.7804
82 0.7751 0.8037 0.5616 0.7751 0.7751 0.8037 0.7751
83 0.7712 0.8040 0.5557 0.7712 0.7712 0.8040 0.7712
84 0.7635 0.8045 0.5442 0.7635 0.7635 0.8045 0.7635
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.0
INSURANCE SCORE RELATIVITIES (Cont.)
March 2016 Oregon RF-3
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921
3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906
4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895
5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759
6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393
7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476
8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327
9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307
10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506
11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956
12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390
Note: Mkt. 1 does not use insurance score relativities.
INSURANCE SCORE RELATIVITIES (Cont.)
Mkt. 5.3
RF-4 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
LEVEL BI PD PIP UMBI UMPD COMP COLL
98 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
99 0.8008 0.8008 0.7847 0.8008 0.8008 0.6127 0.7272
1 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
2 0.9878 0.9878 0.9649 0.9878 0.9878 0.9963 0.9921
3 0.9856 0.9856 0.9585 0.9856 0.9856 0.9956 0.9906
4 0.9670 0.9670 0.9052 0.9670 0.9670 0.9951 0.9895
5 0.9397 0.9397 0.8239 0.9397 0.9397 0.9877 0.9759
6 0.8989 0.8989 0.7088 0.8989 0.8989 0.9533 0.9393
7 0.8437 0.8437 0.5886 0.8437 0.8437 0.8878 0.8476
8 0.7647 0.7647 0.4705 0.7647 0.7647 0.8124 0.7327
9 0.6912 0.6912 0.3847 0.6912 0.6912 0.7340 0.6307
10 0.6267 0.6267 0.3244 0.6267 0.6267 0.6685 0.5506
11 0.5669 0.5669 0.2826 0.5669 0.5669 0.6155 0.4956
12 0.4973 0.4973 0.2359 0.4973 0.4973 0.4507 0.4390
Note: Mkt. 1 does not use insurance score relativities.
Mkt. 5.4
INSURANCE SCORE RELATIVITIES (Cont.)
March 2016 Oregon RF-5
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES
LEVEL BI PD PIP UMBI UMPD COMP COLL
A 0.3350 0.3532 0.3763 0.3783 0.3532 0.9182 0.3532
B 0.3401 0.3584 0.3814 0.3834 0.3584 0.9192 0.3584
C 0.3499 0.3681 0.3912 0.3932 0.3681 0.9213 0.3681
D 0.3599 0.3782 0.4012 0.4032 0.3782 0.9233 0.3782
E 0.3698 0.3881 0.4111 0.4131 0.3881 0.9253 0.3881
F 0.3797 0.3979 0.4208 0.4228 0.3979 0.9272 0.3979
G 0.3897 0.4079 0.4308 0.4328 0.4079 0.9291 0.4079
H 0.3997 0.4179 0.4406 0.4426 0.4179 0.9309 0.4179
I 0.4099 0.4280 0.4507 0.4526 0.4280 0.9327 0.4280
J 0.4195 0.4376 0.4601 0.4621 0.4376 0.9344 0.4376
K 0.4298 0.4478 0.4702 0.4721 0.4478 0.9362 0.4478
L 0.4395 0.4573 0.4796 0.4815 0.4573 0.9378 0.4573
M 0.4498 0.4675 0.4896 0.4916 0.4675 0.9395 0.4675
N 0.4594 0.4770 0.4990 0.5009 0.4770 0.9411 0.4770
O 0.4697 0.4872 0.5090 0.5109 0.4872 0.9427 0.4872
P 0.4793 0.4967 0.5183 0.5201 0.4967 0.9442 0.4967
Q 0.4896 0.5068 0.5282 0.5300 0.5068 0.9458 0.5068
R 0.4995 0.5166 0.5378 0.5396 0.5166 0.9472 0.5166
S 0.5092 0.5261 0.5471 0.5489 0.5261 0.9487 0.5261
T 0.5196 0.5363 0.5570 0.5588 0.5363 0.9502 0.5363
U 0.5296 0.5462 0.5666 0.5684 0.5462 0.9516 0.5462
V 0.5393 0.5557 0.5759 0.5777 0.5557 0.9529 0.5557
W 0.5492 0.5654 0.5853 0.5871 0.5654 0.9543 0.5654
X 0.5593 0.5753 0.5949 0.5966 0.5753 0.9556 0.5753
Y 0.5695 0.5853 0.6047 0.6063 0.5853 0.9570 0.5853
Z 0.5794 0.5949 0.6140 0.6156 0.5949 0.9583 0.5949
AA 0.5894 0.6047 0.6235 0.6251 0.6047 0.9596 0.6047
AB 0.5990 0.6141 0.6325 0.6341 0.6141 0.9608 0.6141
AC 0.6094 0.6242 0.6423 0.6439 0.6242 0.9621 0.6242
AD 0.6193 0.6338 0.6516 0.6532 0.6338 0.9633 0.6338
AE 0.6294 0.6436 0.6611 0.6626 0.6436 0.9645 0.6436
AF 0.6390 0.6530 0.6701 0.6716 0.6530 0.9656 0.6530
AG 0.6493 0.6631 0.6798 0.6813 0.6631 0.9668 0.6631
AH 0.6592 0.6727 0.6891 0.6905 0.6727 0.9680 0.6727
AI 0.6693 0.6824 0.6985 0.6999 0.6824 0.9691 0.6824
AJ 0.6795 0.6923 0.7080 0.7093 0.6923 0.9703 0.6923
AK 0.6892 0.7017 0.7170 0.7183 0.7017 0.9714 0.7017
AL 0.6990 0.7112 0.7261 0.7274 0.7112 0.9724 0.7112
AM 0.7096 0.7215 0.7360 0.7372 0.7215 0.9736 0.7215
AN 0.7190 0.7306 0.7447 0.7459 0.7306 0.9746 0.7306
AO 0.7292 0.7405 0.7541 0.7553 0.7405 0.9756 0.7405
AP 0.7396 0.7505 0.7637 0.7648 0.7505 0.9767 0.7505
AQ 0.7494 0.7599 0.7727 0.7738 0.7599 0.9777 0.7599
AR 0.7593 0.7695 0.7818 0.7829 0.7695 0.9787 0.7695
AS 0.7693 0.7791 0.7910 0.7920 0.7791 0.9797 0.7791
AT 0.7794 0.7889 0.8004 0.8013 0.7889 0.9807 0.7889
AU 0.7897 0.7988 0.8098 0.8107 0.7988 0.9817 0.7988
RF-6 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
AV 0.7993 0.8081 0.8186 0.8195 0.8081 0.9827 0.8081
AW 0.8091 0.8174 0.8275 0.8284 0.8174 0.9836 0.8174
AX 0.8198 0.8277 0.8373 0.8381 0.8277 0.9846 0.8277
AY 0.8297 0.8373 0.8464 0.8471 0.8373 0.9855 0.8373
AZ 0.8399 0.8470 0.8556 0.8563 0.8470 0.9865 0.8470
BA 0.8492 0.8560 0.8641 0.8648 0.8560 0.9873 0.8560
BB 0.8596 0.8659 0.8735 0.8741 0.8659 0.9883 0.8659
BC 0.8692 0.8751 0.8822 0.8828 0.8751 0.9891 0.8751
BD 0.8797 0.8852 0.8918 0.8924 0.8852 0.9900 0.8852
BE 0.8896 0.8946 0.9007 0.9012 0.8946 0.9909 0.8946
BF 0.8995 0.9041 0.9097 0.9101 0.9041 0.9918 0.9041
BG 0.9095 0.9137 0.9187 0.9192 0.9137 0.9926 0.9137
BH 0.9197 0.9234 0.9279 0.9283 0.9234 0.9935 0.9234
BI 0.9299 0.9332 0.9371 0.9375 0.9332 0.9943 0.9332
BJ 0.9394 0.9422 0.9456 0.9459 0.9422 0.9951 0.9422
BK 0.9499 0.9522 0.9551 0.9553 0.9522 0.9960 0.9522
BL 0.9595 0.9614 0.9637 0.9639 0.9614 0.9968 0.9614
BM 0.9702 0.9716 0.9733 0.9735 0.9716 0.9976 0.9716
BN 0.9800 0.9810 0.9821 0.9822 0.9810 0.9984 0.9810
BO 0.9900 0.9904 0.9910 0.9911 0.9904 0.9992 0.9904
BP 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
BQ 1.0101 1.0096 1.0091 1.0090 1.0096 1.0008 1.0096
BR 1.0204 1.0194 1.0182 1.0181 1.0194 1.0016 1.0194
BS 1.0297 1.0282 1.0265 1.0263 1.0282 1.0023 1.0282
BT 1.0401 1.0381 1.0358 1.0356 1.0381 1.0031 1.0381
BU 1.0507 1.0482 1.0452 1.0449 1.0482 1.0039 1.0482
BV 1.0603 1.0573 1.0537 1.0534 1.0573 1.0046 1.0573
BW 1.0699 1.0664 1.0623 1.0619 1.0664 1.0053 1.0664
BX 1.0808 1.0767 1.0719 1.0715 1.0767 1.0061 1.0767
BY 1.0906 1.0861 1.0806 1.0802 1.0861 1.0068 1.0861
BZ 1.1006 1.0955 1.0894 1.0889 1.0955 1.0075 1.0955
CA 1.1106 1.1050 1.0983 1.0977 1.1050 1.0082 1.1050
CB 1.1208 1.1146 1.1073 1.1066 1.1146 1.0089 1.1146
CC 1.1310 1.1243 1.1163 1.1156 1.1243 1.0097 1.1243
CD 1.1401 1.1329 1.1244 1.1236 1.1329 1.0103 1.1329
CE 1.1505 1.1427 1.1335 1.1327 1.1427 1.0110 1.1427
CF 1.1610 1.1527 1.1428 1.1419 1.1527 1.0117 1.1527
CG 1.1704 1.1615 1.1510 1.1501 1.1615 1.0124 1.1615
CH 1.1811 1.1716 1.1604 1.1595 1.1716 1.0131 1.1716
CI 1.1907 1.1807 1.1688 1.1678 1.1807 1.0137 1.1807
CJ 1.2003 1.1898 1.1773 1.1762 1.1898 1.0144 1.1898
CK 1.2113 1.2001 1.1869 1.1857 1.2001 1.0151 1.2001
CL 1.2211 1.2093 1.1954 1.1943 1.2093 1.0157 1.2093
CM 1.2310 1.2187 1.2041 1.2029 1.2187 1.0164 1.2187
CN 1.2410 1.2281 1.2128 1.2115 1.2281 1.0170 1.2281
CO 1.2510 1.2375 1.2216 1.2203 1.2375 1.0176 1.2375
CP 1.2612 1.2471 1.2304 1.2290 1.2471 1.0183 1.2471
August 2016 Oregon RF-7
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
CQ 1.2714 1.2567 1.2393 1.2379 1.2567 1.0189 1.2567
CR 1.2817 1.2664 1.2483 1.2468 1.2664 1.0196 1.2664
CS 1.2921 1.2761 1.2574 1.2558 1.2761 1.0202 1.2761
CT 1.3012 1.2847 1.2653 1.2637 1.2847 1.0208 1.2847
CU 1.3118 1.2946 1.2745 1.2728 1.2946 1.0214 1.2946
CV 1.3211 1.3034 1.2825 1.2808 1.3034 1.0220 1.3034
CW 1.3318 1.3134 1.2918 1.2900 1.3134 1.0226 1.3134
CX 1.3412 1.3223 1.3000 1.2981 1.3223 1.0232 1.3223
CY 1.3521 1.3325 1.3094 1.3075 1.3325 1.0238 1.3325
CZ 1.3617 1.3414 1.3177 1.3157 1.3414 1.0244 1.3414
DA 1.3713 1.3505 1.3261 1.3240 1.3505 1.0250 1.3505
DB 1.3824 1.3609 1.3357 1.3335 1.3609 1.0256 1.3609
DC 1.3922 1.3701 1.3441 1.3419 1.3701 1.0262 1.3701
DD 1.4021 1.3793 1.3526 1.3504 1.3793 1.0267 1.3793
DE 1.4120 1.3886 1.3612 1.3589 1.3886 1.0273 1.3886
DF 1.4220 1.3980 1.3698 1.3674 1.3980 1.0279 1.3980
DG 1.4321 1.4074 1.3785 1.3761 1.4074 1.0284 1.4074
DH 1.4423 1.4169 1.3872 1.3847 1.4169 1.0290 1.4169
DI 1.4525 1.4264 1.3960 1.3934 1.4264 1.0296 1.4264
DJ 1.4628 1.4361 1.4048 1.4022 1.4361 1.0301 1.4361
DK 1.4731 1.4458 1.4137 1.4110 1.4458 1.0307 1.4458
DL 1.4821 1.4541 1.4214 1.4187 1.4541 1.0312 1.4541
DM 1.4926 1.4639 1.4304 1.4276 1.4639 1.0318 1.4639
DN 1.5032 1.4738 1.4394 1.4366 1.4738 1.0323 1.4738
DO 1.5123 1.4823 1.4472 1.4443 1.4823 1.0328 1.4823
DP 1.5230 1.4923 1.4564 1.4534 1.4923 1.0334 1.4923
DQ 1.5338 1.5023 1.4656 1.4626 1.5023 1.0340 1.5023
DR 1.5431 1.5110 1.4736 1.4705 1.5110 1.0345 1.5110
DS 1.5525 1.5198 1.4816 1.4784 1.5198 1.0349 1.5198
DT 1.5635 1.5300 1.4910 1.4877 1.5300 1.0355 1.5300
DU 1.5730 1.5388 1.4990 1.4957 1.5388 1.0360 1.5388
DV 1.5841 1.5492 1.5085 1.5052 1.5492 1.0366 1.5492
DW 1.5937 1.5582 1.5167 1.5133 1.5582 1.0371 1.5582
DX 1.6034 1.5672 1.5249 1.5214 1.5672 1.0376 1.5672
DY 1.6132 1.5762 1.5332 1.5296 1.5762 1.0380 1.5762
DZ 1.6246 1.5868 1.5429 1.5393 1.5868 1.0386 1.5868
EA 1.6345 1.5960 1.5513 1.5476 1.5960 1.0391 1.5960
EB 1.6444 1.6052 1.5597 1.5559 1.6052 1.0396 1.6052
EC 1.6544 1.6145 1.5682 1.5643 1.6145 1.0401 1.6145
ED 1.6644 1.6238 1.5767 1.5728 1.6238 1.0406 1.6238
EE 1.6745 1.6332 1.5852 1.5812 1.6332 1.0411 1.6332
EF 1.6847 1.6426 1.5938 1.5898 1.6426 1.0416 1.6426
EG 1.6949 1.6521 1.6025 1.5984 1.6521 1.0421 1.6521
EH 1.7052 1.6617 1.6112 1.6070 1.6617 1.0426 1.6617
EI 1.7138 1.6697 1.6184 1.6142 1.6697 1.0430 1.6697
EJ 1.7242 1.6793 1.6272 1.6229 1.6793 1.0435 1.6793
EK 1.7347 1.6890 1.6360 1.6317 1.6890 1.0439 1.6890
EL 1.7452 1.6988 1.6449 1.6405 1.6988 1.0444 1.6988
RF-8 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
EM 1.7540 1.7069 1.6524 1.6478 1.7069 1.0449 1.7069
EN 1.7647 1.7168 1.6613 1.6567 1.7168 1.0453 1.7168
EO 1.7754 1.7267 1.6703 1.6657 1.7267 1.0458 1.7267
EP 1.7844 1.7350 1.6779 1.6731 1.7350 1.0463 1.7350
EQ 1.7952 1.7450 1.6870 1.6822 1.7450 1.0467 1.7450
ER 1.8061 1.7551 1.6961 1.6912 1.7551 1.0472 1.7551
ES 1.8153 1.7636 1.7038 1.6988 1.7636 1.0477 1.7636
ET 1.8263 1.7738 1.7130 1.7080 1.7738 1.0482 1.7738
EU 1.8355 1.7823 1.7208 1.7157 1.7823 1.0486 1.7823
EV 1.8448 1.7909 1.7285 1.7234 1.7909 1.0490 1.7909
EW 1.8560 1.8012 1.7379 1.7327 1.8012 1.0495 1.8012
EX 1.8654 1.8099 1.7458 1.7405 1.8099 1.0499 1.8099
EY 1.8767 1.8203 1.7552 1.7499 1.8203 1.0504 1.8203
EZ 1.8862 1.8291 1.7632 1.7577 1.8291 1.0508 1.8291
FA 1.8957 1.8379 1.7711 1.7656 1.8379 1.0512 1.8379
FB 1.9053 1.8467 1.7791 1.7736 1.8467 1.0516 1.8467
FC 1.9169 1.8574 1.7888 1.7831 1.8574 1.0521 1.8574
FD 1.9266 1.8663 1.7969 1.7911 1.8663 1.0525 1.8663
FE 1.9363 1.8753 1.8050 1.7992 1.8753 1.0530 1.8753
FF 1.9461 1.8843 1.8132 1.8073 1.8843 1.0534 1.8843
FG 1.9560 1.8934 1.8213 1.8154 1.8934 1.0538 1.8934
FH 1.9659 1.9025 1.8296 1.8236 1.9025 1.0542 1.9025
FI 1.9778 1.9135 1.8395 1.8334 1.9135 1.0547 1.9135
FJ 1.9878 1.9227 1.8478 1.8416 1.9227 1.0551 1.9227
FK 1.9978 1.9320 1.8562 1.8499 1.9320 1.0555 1.9320
FL 2.0283 1.9600 1.8814 1.8750 1.9600 1.0568 1.9600
FM 2.0780 2.0057 1.9226 1.9157 2.0057 1.0588 2.0057
FN 2.1289 2.0524 1.9646 1.9574 2.0524 1.0608 2.0524
FO 2.1789 2.0982 2.0058 1.9982 2.0982 1.0627 2.0982
FP 2.2301 2.1451 2.0478 2.0398 2.1451 1.0646 2.1451
FQ 2.2801 2.1909 2.0889 2.0805 2.1909 1.0665 2.1909
FR 2.3313 2.2376 2.1307 2.1219 2.2376 1.0683 2.2376
FS 2.3812 2.2832 2.1714 2.1623 2.2832 1.0701 2.2832
FT 2.4322 2.3297 2.2129 2.2034 2.3297 1.0719 2.3297
FU 2.4818 2.3748 2.2532 2.2432 2.3748 1.0736 2.3748
FV 2.5323 2.4209 2.2942 2.2838 2.4209 1.0752 2.4209
FW 2.5840 2.4678 2.3360 2.3252 2.4678 1.0769 2.4678
FX 2.6340 2.5132 2.3763 2.3651 2.5132 1.0786 2.5132
FY 2.6849 2.5595 2.4174 2.4058 2.5595 1.0802 2.5595
FZ 2.7341 2.6041 2.4569 2.4449 2.6041 1.0817 2.6041
GA 2.7871 2.6520 2.4994 2.4869 2.6520 1.0833 2.6520
GB 2.8381 2.6983 2.5403 2.5274 2.6983 1.0849 2.6983
GC 2.8872 2.7427 2.5795 2.5662 2.7427 1.0863 2.7427
GD 2.9372 2.7878 2.6194 2.6056 2.7878 1.0878 2.7878
GE 2.9880 2.8337 2.6598 2.6456 2.8337 1.0892 2.8337
GF 3.0397 2.8803 2.7009 2.6863 2.8803 1.0907 2.8803
GG 3.0891 2.9249 2.7401 2.7251 2.9249 1.0921 2.9249
GH 3.1394 2.9701 2.7800 2.7645 2.9701 1.0934 2.9701
August 2016 Oregon RF-9
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
CUSTOM SHIELD RELATIVITIES (Cont.)
LEVEL BI PD PIP UMBI UMPD COMP COLL
GI 3.1905 3.0161 2.8204 2.8044 3.0161 1.0948 3.0161
GJ 3.2424 3.0628 2.8613 2.8450 3.0628 1.0962 3.0628
GK 3.2918 3.1072 2.9003 2.8835 3.1072 1.0975 3.1072
GL 3.3420 3.1523 2.9398 2.9225 3.1523 1.0988 3.1523
GM 3.3930 3.1980 2.9798 2.9621 3.1980 1.1001 3.1980
GN 3.4447 3.2444 3.0204 3.0022 3.2444 1.1014 3.2444
GO 3.4973 3.2914 3.0615 3.0429 3.2914 1.1027 3.2914
GP 3.5470 3.3360 3.1004 3.0813 3.3360 1.1039 3.3360
GQ 3.5974 3.3811 3.1398 3.1202 3.3811 1.1051 3.3811
GR 3.6486 3.4268 3.1797 3.1596 3.4268 1.1064 3.4268
GS 3.7005 3.4732 3.2201 3.1996 3.4732 1.1076 3.4732
GT 3.7494 3.5168 3.2580 3.2371 3.5168 1.1087 3.5168
GU 3.7989 3.5610 3.2964 3.2750 3.5610 1.1098 3.5610
GV 3.8529 3.6092 3.3383 3.3164 3.6092 1.1111 3.6092
GW 3.9038 3.6545 3.3777 3.3553 3.6545 1.1122 3.6545
GX 3.9513 3.6968 3.4144 3.3916 3.6968 1.1133 3.6968
GY 4.0035 3.7433 3.4547 3.4314 3.7433 1.1144 3.7433
GZ 4.0563 3.7903 3.4954 3.4716 3.7903 1.1155 3.7903
RF-10 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
March 2018 Oregon RF-11
POLICY RATING FACTORS
25/50 1.000 20,000 0.970 15,000 0.960 25/50 1.000 20,000 1.670
50/100 1.220 25,000 1.000 25,000 1.000 50/100 1.600 25,000 2.000
100* 1.420 50,000 1.060 35,000 1.350 100* 1.820 50,000 2.500
100/300 1.500 100,000 1.080 50,000 1.579 100/300 1.950 100,000 3.000
300* 1.820 300,000* 1.100 300* 2.410
250/500 1.880 500,000* 1.110 250/500 2.190
500* 1.980 1,000,000* 1.140 500* 2.740
500/1000 2.200 500/1000 2.870
1000* 2.380 1000* 3.050
Factor Factor
1.00 0.97
0.85 1.00
Package Policy Credit
BI PD PIP UMBI UMPD COMP COLL
MHO w or w/o Umbrella 0.99 0.99 0.99 0.99 0.99 0.99 0.99
HO 3 & 5 w/o Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84
HO 3 & 5 w/ Umbrella 0.82 0.82 0.82 0.82 0.82 0.82 0.82
HO 6 w/o Umbrella 0.86 0.86 0.86 0.86 0.86 0.86 0.86
HO 6 w/ Umbrella 0.84 0.84 0.84 0.84 0.84 0.84 0.84
HO 4 w/o Umbrella 0.92 0.92 0.92 0.92 0.92 0.92 0.92
HO 4 w /Umbrella 0.90 0.90 0.90 0.90 0.90 0.90 0.90
No Pkg 1.00 1.00 1.00 1.00 1.00 1.00 1.00
BI PD PIP UMBI UMPD COMP COLL
N 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Y 1.07 1.07 1.07 1.07 1.07 1.07 1.07
Longevity Credit
Yrs w/OMI Factor Yrs w/OMI Factor
0 1.00 6 0.97
1-2 1.00 7 0.96
3 1.00 8 0.95
4 0.99 9 0.94
5 0.98 10+ 0.93
*Displayed for use in computing Combined Single Limit coverages only - not available as a
multiple limit option.
LIMIT RELATIVITIES
PIP UMBI UMPDBI PD
Not Deployed
Deployed
Military Deployment Credit
Status
PERMISSIVE USER RELATIVITIES
CSL Apply to BI & PD Only
Discount
Y
N
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Decoder Prior Carrier Limits Decoder Prior Policy Type1 Prior coverage - Standard Carrier
2 Prior coverage - Non-Standard Carrier
3 No Prior coverage (i.e., prior insurance cancelled or
4 No Need for Prior Coverage
Decoder Prior Days Lapsed
Prior Carrier Days Lapsed
Days BI PD PIP UMBI UMPD COMP COLL
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
2 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
3 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
4 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
5 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
6 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000 1.1000
7 + 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500 1.2500
Prior Carrier Limits
Limit Code BI PD PIP UMBI UMPD COMP COLL
0 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
50 1.2000 1.2200 1.2200 1.2200 1.2200 1.1200 1.1200
100 1.1000 1.1000 1.1000 1.1000 1.1000 1.0400 1.0400
300 1.0000 1.0000 1.0000 1.0000 1.0000 0.9600 0.9600
500 0.9400 0.9000 0.9000 0.9000 0.9000 0.9200 0.9200
600 1.1500 1.1500 1.1500 1.1500 1.1500 1.1000 1.1000
700 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
800 0.9400 0.9000 0.9000 0.9000 0.9000 0.9000 0.9000
900 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Carrier Policy Type
BI PD PIP UMBI UMPD COMP COLL
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.4000 1.4000 1.4000 1.4000 1.4000 1.4000 1.4000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior//No Need
0 is No Prior Limit
50 is <50/100
100 is >=50/100 & <100/300
700 is >=100 CSL & <300 CSL
800 is >=300 CSL
600 is<100 CSL
900 is No Prior, No Need
Prior Cov Standard Assumed
lapsed, or uninsured)300 is 100/300
500 is >100/300
Type
Prior Standard
Prior Non-Standard
This is the number of days between the EXPIRATION of
prior insurance coverage and Quote EFFECTIVE date.
No Prior
RF-12 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
No Prior 3 1.0000 1.0000 1.0000 1.0000 1.0000
No Prior No Need 4 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse >6 days 1 >6 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-13
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 1 0 100 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 1 0 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-14 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - no lapse 1 0 600 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - no lapse 1 0 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - no lapse 1 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-15
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-16 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
March 2016 Oregon RF-17
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier - STD - lapse 1 to 6 days 1 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse >6 days 2 >6 0 0 0 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-18 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-no lapse 2 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-no lapse 2 0 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
August 2016 Oregon RF-19
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-no lapse 2 0 300 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 12 17 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 18 23 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 24 35 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 36 47 0.9500 0.9600 0.9700 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 48 9999 0.9000 0.9200 0.9500 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-no lapse 2 0 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-20 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-no lapse 2 0 700 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 12 17 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 18 23 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 24 35 0.9700 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 36 47 0.9300 0.9400 0.9600 0.9800 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 48 9999 0.8700 0.9000 0.9300 0.9600 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-no lapse 2 0 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-no lapse 2 0 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
August 2016 Oregon RF-21
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 0 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 50 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 100 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-22 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 300 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 500 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 600 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 700 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
August 2016 Oregon RF-23
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yrs 0 - 1
Factor
Yr 2
Factor
Yr 3
Factor
Yr 4
Factor
Yr 5
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 36 47 0.9800 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 48 9999 0.9600 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Definition
Prior
Type
Days
Lapse
Limit
code
Months
lower
Months
upper
Factor
Yr 6
Factor
Yr 7
Factor
Yr 8
Factor
Yr 9
Factor
Yr 10
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 800 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 0 5 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 6 11 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 12 17 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 18 23 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 24 35 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 36 47 1.0000 1.0000 1.0000 1.0000 1.0000
Time with Prior Carrier-NON STD-lapse 1 to 6 days 2 1 to 6 900 48 9999 1.0000 1.0000 1.0000 1.0000 1.0000
Prior Months With Carrier
RF-24 Oregon August 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
A 15 0.7490 W 16 0.9941
B 15 0.8046 X 16 0.9949
C 15 0.8284 Y 16 0.9957
D 15 0.8491 Z 16 0.9964
E 15 0.8656 AA 16 0.9972
F 15 0.8804 AB 16 1.0000
G 15 0.8926 A 17 0.7490
H 15 0.9044 B 17 0.8046
I 15 0.9149 C 17 0.8284
J 15 0.9241 D 17 0.8491
K 15 0.9334 E 17 0.8656
L 15 0.9420 F 17 0.8804
M 15 0.9493 G 17 0.8926
N 15 0.9559 H 17 0.9044
O 15 0.9625 I 17 0.9149
P 15 0.9692 J 17 0.9241
Q 15 0.9760 K 17 0.9334
R 15 0.9812 L 17 0.9420
S 15 0.9865 M 17 0.9493
T 15 0.9918 N 17 0.9559
U 15 0.9926 O 17 0.9625
V 15 0.9934 P 17 0.9692
W 15 0.9941 Q 17 0.9760
X 15 0.9949 R 17 0.9812
Y 15 0.9957 S 17 0.9865
Z 15 0.9964 T 17 0.9918
AA 15 0.9972 U 17 0.9926
AB 15 1.0000 V 17 0.9934
A 16 0.7490 W 17 0.9941
B 16 0.8046 X 17 0.9949
C 16 0.8284 Y 17 0.9957
D 16 0.8491 Z 17 0.9964
E 16 0.8656 AA 17 0.9972
F 16 0.8804 AB 17 1.0000
G 16 0.8926 A 18 0.7490
H 16 0.9044 B 18 0.8046
I 16 0.9149 C 18 0.8284
J 16 0.9241 D 18 0.8491
K 16 0.9334 E 18 0.8656
L 16 0.9420 F 18 0.8804
M 16 0.9493 G 18 0.8926
N 16 0.9559 H 18 0.9044
O 16 0.9625 I 18 0.9149
P 16 0.9692 J 18 0.9241
Q 16 0.9760 K 18 0.9334
R 16 0.9812 L 18 0.9420
S 16 0.9865 M 18 0.9493
T 16 0.9918 N 18 0.9559
U 16 0.9926 O 18 0.9625
V 16 0.9934 P 18 0.9692
Score x Maximum Age
March 2016 Oregon RF-25
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
Q 18 0.9760 K 20 0.9334
R 18 0.9812 L 20 0.9420
S 18 0.9865 M 20 0.9493
T 18 0.9918 N 20 0.9559
U 18 0.9926 O 20 0.9625
V 18 0.9934 P 20 0.9692
W 18 0.9941 Q 20 0.9760
X 18 0.9949 R 20 0.9812
Y 18 0.9957 S 20 0.9865
Z 18 0.9964 T 20 0.9918
AA 18 0.9972 U 20 0.9926
AB 18 1.0000 V 20 0.9934
A 19 0.7490 W 20 0.9941
B 19 0.8046 X 20 0.9949
C 19 0.8284 Y 20 0.9957
D 19 0.8491 Z 20 0.9964
E 19 0.8656 AA 20 0.9972
F 19 0.8804 AB 20 1.0000
G 19 0.8926 A 21 0.7490
H 19 0.9044 B 21 0.8046
I 19 0.9149 C 21 0.8284
J 19 0.9241 D 21 0.8491
K 19 0.9334 E 21 0.8656
L 19 0.9420 F 21 0.8804
M 19 0.9493 G 21 0.8926
N 19 0.9559 H 21 0.9044
O 19 0.9625 I 21 0.9149
P 19 0.9692 J 21 0.9241
Q 19 0.9760 K 21 0.9334
R 19 0.9812 L 21 0.9420
S 19 0.9865 M 21 0.9493
T 19 0.9918 N 21 0.9559
U 19 0.9926 O 21 0.9625
V 19 0.9934 P 21 0.9692
W 19 0.9941 Q 21 0.9760
X 19 0.9949 R 21 0.9812
Y 19 0.9957 S 21 0.9865
Z 19 0.9964 T 21 0.9918
AA 19 0.9972 U 21 0.9926
AB 19 1.0000 V 21 0.9934
A 20 0.7490 W 21 0.9941
B 20 0.8046 X 21 0.9949
C 20 0.8284 Y 21 0.9957
D 20 0.8491 Z 21 0.9964
E 20 0.8656 AA 21 0.9972
F 20 0.8804 AB 21 1.0000
G 20 0.8926 A 22 0.7657
H 20 0.9044 B 22 0.8176
I 20 0.9149 C 22 0.8398
J 20 0.9241 D 22 0.8592
Score x Maximum Age
RF-26 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
E 22 0.8746 AA 23 0.9976
F 22 0.8884 AB 23 1.0000
G 22 0.8998 A 24 0.7992
H 22 0.9108 B 24 0.8437
I 22 0.9206 C 24 0.8627
J 22 0.9292 D 24 0.8793
K 22 0.9378 E 24 0.8925
L 22 0.9459 F 24 0.9043
M 22 0.9527 G 24 0.9141
N 22 0.9588 H 24 0.9235
O 22 0.9650 I 24 0.9319
P 22 0.9713 J 24 0.9393
Q 22 0.9776 K 24 0.9467
R 22 0.9825 L 24 0.9536
S 22 0.9874 M 24 0.9594
T 22 0.9923 N 24 0.9647
U 22 0.9931 O 24 0.9700
V 22 0.9938 P 24 0.9754
W 22 0.9945 Q 24 0.9808
X 22 0.9952 R 24 0.9850
Y 22 0.9960 S 24 0.9892
Z 22 0.9966 T 24 0.9934
AA 22 0.9974 U 24 0.9941
AB 22 1.0000 V 24 0.9947
A 23 0.7825 W 24 0.9953
B 23 0.8307 X 24 0.9959
C 23 0.8513 Y 24 0.9966
D 23 0.8692 Z 24 0.9971
E 23 0.8835 AA 24 0.9978
F 23 0.8963 AB 24 1.0000
G 23 0.9069 A 25 0.8159
H 23 0.9171 B 25 0.8567
I 23 0.9262 C 25 0.8742
J 23 0.9342 D 25 0.8893
K 23 0.9423 E 25 0.9014
L 23 0.9497 F 25 0.9123
M 23 0.9561 G 25 0.9212
N 23 0.9618 H 25 0.9299
O 23 0.9675 I 25 0.9376
P 23 0.9733 J 25 0.9443
Q 23 0.9792 K 25 0.9512
R 23 0.9837 L 25 0.9575
S 23 0.9883 M 25 0.9628
T 23 0.9929 N 25 0.9677
U 23 0.9936 O 25 0.9725
V 23 0.9943 P 25 0.9774
W 23 0.9949 Q 25 0.9824
X 23 0.9956 R 25 0.9862
Y 23 0.9963 S 25 0.9901
Z 23 0.9969 T 25 0.9940
Score x Maximum Age
March 2016 Oregon RF-27
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
U 25 0.9946 O 27 0.9775
V 25 0.9952 P 27 0.9815
W 25 0.9957 Q 27 0.9856
X 25 0.9963 R 27 0.9887
Y 25 0.9968 S 27 0.9919
Z 25 0.9974 T 27 0.9951
AA 25 0.9979 U 27 0.9956
AB 25 1.0000 V 27 0.9960
A 26 0.8327 W 27 0.9965
B 26 0.8697 X 27 0.9969
C 26 0.8856 Y 27 0.9974
D 26 0.8994 Z 27 0.9978
E 26 0.9104 AA 27 0.9983
F 26 0.9203 AB 27 1.0000
G 26 0.9284 A 28 0.8661
H 26 0.9363 B 28 0.8958
I 26 0.9433 C 28 0.9085
J 26 0.9494 D 28 0.9195
K 26 0.9556 E 28 0.9283
L 26 0.9613 F 28 0.9362
M 26 0.9662 G 28 0.9427
N 26 0.9706 H 28 0.9490
O 26 0.9750 I 28 0.9546
P 26 0.9795 J 28 0.9595
Q 26 0.9840 K 28 0.9645
R 26 0.9875 L 28 0.9691
S 26 0.9910 M 28 0.9730
T 26 0.9945 N 28 0.9765
U 26 0.9951 O 28 0.9800
V 26 0.9956 P 28 0.9836
W 26 0.9961 Q 28 0.9872
X 26 0.9966 R 28 0.9900
Y 26 0.9971 S 28 0.9928
Z 26 0.9976 T 28 0.9956
AA 26 0.9981 U 28 0.9961
AB 26 1.0000 V 28 0.9965
A 27 0.8494 W 28 0.9969
B 27 0.8828 X 28 0.9973
C 27 0.8970 Y 28 0.9977
D 27 0.9095 Z 28 0.9981
E 27 0.9194 AA 28 0.9985
F 27 0.9282 AB 28 1.0000
G 27 0.9356 A 29 0.8829
H 27 0.9426 B 29 0.9088
I 27 0.9489 C 29 0.9199
J 27 0.9545 D 29 0.9296
K 27 0.9600 E 29 0.9373
L 27 0.9652 F 29 0.9442
M 27 0.9696 G 29 0.9499
N 27 0.9735 H 29 0.9554
Score x Maximum Age
RF-28 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
I 29 0.9603 C 31 0.9428
J 29 0.9646 D 31 0.9497
K 29 0.9689 E 31 0.9552
L 29 0.9729 F 31 0.9601
M 29 0.9763 G 31 0.9642
N 29 0.9794 H 31 0.9681
O 29 0.9825 I 31 0.9716
P 29 0.9856 J 31 0.9747
Q 29 0.9888 K 31 0.9778
R 29 0.9912 L 31 0.9807
S 29 0.9937 M 31 0.9831
T 29 0.9962 N 31 0.9853
U 29 0.9965 O 31 0.9875
V 29 0.9969 P 31 0.9897
W 29 0.9972 Q 31 0.9920
X 29 0.9976 R 31 0.9937
Y 29 0.9980 S 31 0.9955
Z 29 0.9983 T 31 0.9973
AA 29 0.9987 U 31 0.9975
AB 29 1.0000 V 31 0.9978
A 30 0.8996 W 31 0.9980
B 30 0.9218 X 31 0.9983
C 30 0.9314 Y 31 0.9986
D 30 0.9396 Z 31 0.9988
E 30 0.9462 AA 31 0.9991
F 30 0.9522 AB 31 1.0000
G 30 0.9570 A 32 0.9331
H 30 0.9618 B 32 0.9479
I 30 0.9660 C 32 0.9542
J 30 0.9696 D 32 0.9598
K 30 0.9734 E 32 0.9642
L 30 0.9768 F 32 0.9681
M 30 0.9797 G 32 0.9714
N 30 0.9824 H 32 0.9745
O 30 0.9850 I 32 0.9773
P 30 0.9877 J 32 0.9798
Q 30 0.9904 K 32 0.9822
R 30 0.9925 L 32 0.9845
S 30 0.9946 M 32 0.9865
T 30 0.9967 N 32 0.9882
U 30 0.9970 O 32 0.9900
V 30 0.9974 P 32 0.9918
W 30 0.9976 Q 32 0.9936
X 30 0.9980 R 32 0.9950
Y 30 0.9983 S 32 0.9964
Z 30 0.9986 T 32 0.9978
AA 30 0.9989 U 32 0.9980
AB 30 1.0000 V 32 0.9982
A 31 0.9163 W 32 0.9984
B 31 0.9349 X 32 0.9986
Score x Maximum Age
March 2016 Oregon RF-29
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
Y 32 0.9989 S 34 0.9982
Z 32 0.9990 T 34 0.9989
AA 32 0.9993 U 34 0.9990
AB 32 1.0000 V 34 0.9991
A 33 0.9498 W 34 0.9992
B 33 0.9609 X 34 0.9993
C 33 0.9657 Y 34 0.9994
D 33 0.9698 Z 34 0.9995
E 33 0.9731 AA 34 0.9996
F 33 0.9761 AB 34 1.0000
G 33 0.9785 A 35 0.9833
H 33 0.9809 B 35 0.9870
I 33 0.9830 C 35 0.9886
J 33 0.9848 D 35 0.9899
K 33 0.9867 E 35 0.9910
L 33 0.9884 F 35 0.9920
M 33 0.9899 G 35 0.9928
N 33 0.9912 H 35 0.9936
O 33 0.9925 I 35 0.9943
P 33 0.9938 J 35 0.9949
Q 33 0.9952 K 35 0.9956
R 33 0.9962 L 35 0.9961
S 33 0.9973 M 35 0.9966
T 33 0.9984 N 35 0.9971
U 33 0.9985 O 35 0.9975
V 33 0.9987 P 35 0.9979
W 33 0.9988 Q 35 0.9984
X 33 0.9990 R 35 0.9987
Y 33 0.9991 S 35 0.9991
Z 33 0.9993 T 35 0.9995
AA 33 0.9994 U 35 0.9995
AB 33 1.0000 V 35 0.9996
A 34 0.9665 W 35 0.9996
B 34 0.9739 X 35 0.9997
C 34 0.9771 Y 35 0.9997
D 34 0.9799 Z 35 0.9998
E 34 0.9821 AA 35 0.9998
F 34 0.9841 AB 35 1.0000
G 34 0.9857 A >=36 1.0000
H 34 0.9873 B >=36 1.0000
I 34 0.9887 C >=36 1.0000
J 34 0.9899 D >=36 1.0000
K 34 0.9911 E >=36 1.0000
L 34 0.9923 F >=36 1.0000
M 34 0.9932 G >=36 1.0000
N 34 0.9941 H >=36 1.0000
O 34 0.9950 I >=36 1.0000
P 34 0.9959 J >=36 1.0000
Q 34 0.9968 K >=36 1.0000
R 34 0.9975 L >=36 1.0000
Score x Maximum Age
RF-30 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
POLICY RATING FACTORS
Score Level Age Factor Score Level Age Factor
M >=36 1.0000
N >=36 1.0000
O >=36 1.0000
P >=36 1.0000
Q >=36 1.0000
R >=36 1.0000
S >=36 1.0000
T >=36 1.0000
U >=36 1.0000
V >=36 1.0000
W >=36 1.0000
X >=36 1.0000
Y >=36 1.0000
Z >=36 1.0000
AA >=36 1.0000
AB >=36 1.0000
Score x Maximum Age
March 2016 Oregon RF-31
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATIING FACTORS
DRIVER RATING FACTORS
Single Male Single Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
15 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960
16 3.8260 3.6700 1.8230 3.8260 2.8790 0.9200 2.8790 3.2690 3.2490 2.1880 3.2690 2.5960 0.7910 2.5960
17 3.3720 3.2120 1.5460 3.3720 2.6220 0.9450 2.6220 2.9000 2.8560 1.8750 2.9000 2.3530 0.8160 2.3530
18 2.8740 2.7280 1.2850 2.8740 2.3450 0.9750 2.3450 2.4920 2.4430 1.5790 2.4920 2.0920 0.8460 2.0920
19 2.4740 2.3580 1.1120 2.4740 2.1290 1.0000 2.1290 2.1640 2.1300 1.3850 2.1640 1.8910 0.8720 1.8910
20 2.1500 2.0690 0.9970 2.1500 1.9570 1.0210 1.9570 1.8950 1.8890 1.2570 1.8950 1.7320 0.8940 1.7320
21 1.8830 1.8400 0.9210 1.8830 1.8140 1.0390 1.8140 1.6730 1.6990 1.1740 1.6730 1.6030 0.9130 1.6030
22 1.6620 1.6540 0.8730 1.6620 1.6930 1.0530 1.6930 1.4870 1.5460 1.1240 1.4870 1.4940 0.9280 1.4940
23 1.5460 1.5330 0.8440 1.5460 1.5920 1.0640 1.5920 1.3910 1.4500 1.0980 1.3910 1.4040 0.9420 1.4040
24 1.4670 1.4410 0.8300 1.4670 1.5090 1.0740 1.5090 1.3290 1.3800 1.0890 1.3290 1.3320 0.9520 1.3320
25 1.3990 1.3660 0.8280 1.3990 1.4430 1.0810 1.4430 1.2750 1.3230 1.0950 1.2750 1.2750 0.9610 1.2750
26 1.3400 1.3010 0.8330 1.3400 1.3900 1.0870 1.3900 1.2280 1.2760 1.1110 1.2280 1.2300 0.9680 1.2300
27 1.2880 1.2470 0.8450 1.2880 1.3450 1.0930 1.3450 1.1870 1.2360 1.1350 1.1870 1.1930 0.9740 1.1930
28 1.2440 1.1990 0.8610 1.2440 1.3080 1.0960 1.3080 1.1510 1.2020 1.1640 1.1510 1.1620 0.9790 1.1620
29 1.2040 1.1590 0.8800 1.2040 1.2760 1.1000 1.2760 1.1190 1.1730 1.1950 1.1190 1.1370 0.9820 1.1370
30 1.1680 1.1230 0.8990 1.1680 1.2470 1.1020 1.2470 1.0900 1.1460 1.2290 1.0900 1.1150 0.9850 1.1150
31 1.1360 1.0910 0.9190 1.1360 1.2210 1.1040 1.2210 1.0630 1.1230 1.2610 1.0630 1.0960 0.9870 1.0960
32 1.1070 1.0620 0.9370 1.1070 1.1970 1.1060 1.1970 1.0400 1.1000 1.2900 1.0400 1.0770 0.9890 1.0770
33 1.0800 1.0360 0.9530 1.0800 1.1740 1.1080 1.1740 1.0180 1.0800 1.3150 1.0180 1.0610 0.9900 1.0610
34 1.0570 1.0130 0.9650 1.0570 1.1530 1.1100 1.1530 0.9980 1.0600 1.3350 0.9980 1.0450 0.9910 1.0450
35 1.0350 0.9920 0.9730 1.0350 1.1310 1.1120 1.1310 0.9790 1.0410 1.3490 0.9790 1.0290 0.9910 1.0290
36 1.0150 0.9730 0.9770 1.0150 1.1110 1.1140 1.1110 0.9630 1.0230 1.3550 0.9630 1.0140 0.9910 1.0140
37 0.9970 0.9550 0.9760 0.9970 1.0900 1.1150 1.0900 0.9470 1.0060 1.3550 0.9470 0.9980 0.9910 0.9980
38 0.9800 0.9390 0.9710 0.9800 1.0700 1.1170 1.0700 0.9320 0.9890 1.3460 0.9320 0.9820 0.9900 0.9820
39 0.9650 0.9240 0.9610 0.9650 1.0500 1.1180 1.0500 0.9180 0.9720 1.3310 0.9180 0.9660 0.9890 0.9660
40 0.9510 0.9110 0.9470 0.9510 1.0300 1.1190 1.0300 0.9050 0.9570 1.3090 0.9050 0.9500 0.9880 0.9500
41 0.9390 0.9000 0.9290 0.9390 1.0110 1.1200 1.0110 0.8930 0.9420 1.2810 0.8930 0.9340 0.9860 0.9340
42 0.9280 0.8890 0.9080 0.9280 0.9920 1.1210 0.9920 0.8820 0.9270 1.2490 0.8820 0.9190 0.9840 0.9190
43 0.9170 0.8800 0.8860 0.9170 0.9730 1.1210 0.9730 0.8710 0.9130 1.2130 0.8710 0.9030 0.9820 0.9030
44 0.9080 0.8730 0.8620 0.9080 0.9560 1.1210 0.9560 0.8620 0.9010 1.1750 0.8620 0.8880 0.9800 0.8880
45 0.9000 0.8660 0.8370 0.9000 0.9390 1.1200 0.9390 0.8530 0.8890 1.1350 0.8530 0.8730 0.9760 0.8730
46 0.8930 0.8610 0.8120 0.8930 0.9240 1.1190 0.9240 0.8450 0.8780 1.0940 0.8450 0.8580 0.9720 0.8580
47 0.8870 0.8580 0.7880 0.8870 0.9090 1.1180 0.9090 0.8380 0.8690 1.0540 0.8380 0.8450 0.9680 0.8450
48 0.8820 0.8550 0.7640 0.8820 0.8970 1.1160 0.8970 0.8310 0.8610 1.0150 0.8310 0.8330 0.9630 0.8330
49 0.8790 0.8540 0.7420 0.8790 0.8850 1.1140 0.8850 0.8240 0.8540 0.9780 0.8240 0.8210 0.9580 0.8210
50 0.8760 0.8540 0.7220 0.8760 0.8750 1.1120 0.8750 0.8190 0.8470 0.9440 0.8190 0.8100 0.9520 0.8100
51 0.8740 0.8550 0.7040 0.8740 0.8660 1.1100 0.8660 0.8140 0.8430 0.9110 0.8140 0.8000 0.9460 0.8000
52 0.8740 0.8570 0.6880 0.8740 0.8590 1.1070 0.8590 0.8110 0.8400 0.8810 0.8110 0.7920 0.9400 0.7920
53 0.8740 0.8610 0.6740 0.8740 0.8530 1.1030 0.8530 0.8070 0.8370 0.8540 0.8070 0.7840 0.9340 0.7840
54 0.8750 0.8660 0.6620 0.8750 0.8490 1.1000 0.8490 0.8040 0.8370 0.8300 0.8040 0.7770 0.9270 0.7770
55 0.8770 0.8710 0.6530 0.8770 0.8880 1.0960 0.8880 0.8020 0.8370 0.8080 0.8020 0.8110 0.9200 0.8110
56 0.8810 0.8780 0.6460 0.8810 0.8870 1.0920 0.8870 0.8000 0.8380 0.7890 0.8000 0.8050 0.9130 0.8050
57 0.8850 0.8850 0.6400 0.8850 0.8870 1.0870 0.8870 0.7990 0.8410 0.7710 0.7990 0.8020 0.9060 0.8020
AGE - MARITAL STATUS - GENDER FACTORS
RF-32 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Single Male Single Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
58 0.8900 0.8930 0.6350 0.8900 0.8880 1.0830 0.8880 0.7990 0.8450 0.7550 0.7990 0.7990 0.8990 0.7990
59 0.8960 0.9010 0.6330 0.8960 0.8910 1.0790 0.8910 0.7990 0.8500 0.7400 0.7990 0.7980 0.8920 0.7980
60 0.9030 0.9100 0.6300 0.9030 0.9380 1.1290 0.9380 0.7990 0.8550 0.7260 0.7990 0.8350 0.9290 0.8350
61 0.9100 0.9190 0.6270 0.9100 0.9440 1.1250 0.9440 0.8000 0.8610 0.7100 0.8000 0.8350 0.9220 0.8350
62 0.9190 0.9280 0.6220 0.9190 0.9490 1.1200 0.9490 0.8010 0.8680 0.6930 0.8010 0.8360 0.9150 0.8360
63 0.9280 0.9370 0.6160 0.9280 0.9570 1.1160 0.9570 0.8020 0.8750 0.6740 0.8020 0.8370 0.9070 0.8370
64 0.9370 0.9460 0.6050 0.9370 0.9650 1.1130 0.9650 0.8030 0.8820 0.6510 0.8030 0.8380 0.9010 0.8380
65 0.9480 0.9540 0.5910 0.9480 0.9720 1.1100 0.9720 0.8050 0.8900 0.6230 0.8050 0.8390 0.8950 0.8390
66 0.9590 0.9620 0.5870 0.9590 0.9810 1.1070 0.9810 0.8060 0.8970 0.6160 0.8060 0.8400 0.8890 0.8400
67 0.9710 0.9700 0.5870 0.9710 0.9890 1.1040 0.9890 0.8080 0.9050 0.6160 0.8080 0.8430 0.8840 0.8430
68 0.9840 0.9770 0.5870 0.9840 0.9970 1.1010 0.9970 0.8100 0.9110 0.6160 0.8100 0.8440 0.8790 0.8440
69 0.9970 0.9830 0.5870 0.9970 1.0040 1.0980 1.0040 0.8130 0.9180 0.6160 0.8130 0.8450 0.8740 0.8450
70 1.0100 0.9900 0.5870 1.0100 1.0110 1.0960 1.0110 0.8150 0.9240 0.6160 0.8150 0.8460 0.8690 0.8460
71 1.0250 0.9960 0.5870 1.0250 1.0630 1.1460 1.0630 0.8180 0.9290 0.6160 0.8180 0.8830 0.9050 0.8830
72 1.0410 1.0020 0.5870 1.0410 1.0670 1.1430 1.0670 0.8200 0.9340 0.6160 0.8200 0.8830 0.9010 0.8830
73 1.0570 1.0080 0.5870 1.0570 1.0710 1.1400 1.0710 0.8230 0.9370 0.6160 0.8230 0.8810 0.8950 0.8810
74 1.0740 1.0160 0.5870 1.0740 1.0730 1.1350 1.0730 0.8270 0.9410 0.6160 0.8270 0.8790 0.8890 0.8790
75 1.0930 1.0240 0.5870 1.0930 1.0730 1.1300 1.0730 0.8300 0.9430 0.6160 0.8300 0.8760 0.8820 0.8760
76 1.1140 1.0340 0.5870 1.1140 1.0720 1.1230 1.0720 0.8350 0.9460 0.6160 0.8350 0.8730 0.8760 0.8730
77 1.1350 1.0470 0.5870 1.1350 1.0700 1.1130 1.0700 0.8400 0.9490 0.6160 0.8400 0.8690 0.8660 0.8690
78 1.1600 1.0640 0.5870 1.1600 1.0660 1.1010 1.0660 0.8450 0.9530 0.6160 0.8450 0.8660 0.8550 0.8660
79 1.1870 1.0860 0.5870 1.1870 1.0630 1.0860 1.0630 0.8530 0.9580 0.6160 0.8530 0.8630 0.8430 0.8630
80 1.2170 1.1150 0.5870 1.2170 1.0580 1.1160 1.0580 0.8620 0.9640 0.6160 0.8620 0.8590 0.8650 0.8590
81 1.2510 1.1530 0.5870 1.2510 1.0550 1.0910 1.0550 0.8730 0.9730 0.6160 0.8730 0.8580 0.8440 0.8580
82 1.2910 1.2030 0.5870 1.2910 1.0510 1.0630 1.0510 0.8860 0.9860 0.6160 0.8860 0.8590 0.8200 0.8590
83 1.3350 1.2670 0.5870 1.3350 1.0500 1.0270 1.0500 0.9030 1.0040 0.6160 0.9030 0.8630 0.7920 0.8630
84 1.3880 1.3530 0.5870 1.3880 1.0520 0.9860 1.0520 0.9240 1.0280 0.6160 0.9240 0.8690 0.7610 0.8690
85 1.4500 1.4660 0.5870 1.4500 1.0580 0.9380 1.0580 0.9500 1.0620 0.6160 0.9500 0.8820 0.7250 0.8820
86 1.4730 1.5030 0.5870 1.4730 1.0650 0.9260 1.0650 0.9590 1.0730 0.6160 0.9590 0.8880 0.7150 0.8880
87 1.4850 1.5150 0.5870 1.4850 1.0730 0.9260 1.0730 0.9630 1.0770 0.6160 0.9630 0.8910 0.7150 0.8910
88 1.4970 1.5270 0.5870 1.4970 1.0820 0.9260 1.0820 0.9670 1.0820 0.6160 0.9670 0.8950 0.7150 0.8950
89 1.5090 1.5390 0.5870 1.5090 1.0900 0.9260 1.0900 0.9700 1.0860 0.6160 0.9700 0.8980 0.7150 0.8980
90 1.5210 1.5520 0.5870 1.5210 1.0990 0.9260 1.0990 0.9740 1.0900 0.6160 0.9740 0.9020 0.7150 0.9020
91 1.5330 1.5640 0.5870 1.5330 1.1070 0.9260 1.1070 0.9780 1.0950 0.6160 0.9780 0.9050 0.7150 0.9050
92 1.5450 1.5770 0.5870 1.5450 1.1170 0.9260 1.1170 0.9820 1.0990 0.6160 0.9820 0.9090 0.7150 0.9090
93 1.5580 1.5890 0.5870 1.5580 1.1260 0.9260 1.1260 0.9860 1.1040 0.6160 0.9860 0.9120 0.7150 0.9120
94 1.5700 1.6020 0.5870 1.5700 1.1350 0.9260 1.1350 0.9900 1.1080 0.6160 0.9900 0.9170 0.7150 0.9170
95 1.5830 1.6150 0.5870 1.5830 1.1440 0.9260 1.1440 0.9940 1.1120 0.6160 0.9940 0.9200 0.7150 0.9200
96 1.5950 1.6280 0.5870 1.5950 1.1530 0.9260 1.1530 0.9980 1.1170 0.6160 0.9980 0.9230 0.7150 0.9230
97 1.6080 1.6410 0.5870 1.6080 1.1630 0.9260 1.1630 1.0020 1.1210 0.6160 1.0020 0.9270 0.7150 0.9270
98 1.6210 1.6540 0.5870 1.6210 1.1720 0.9260 1.1720 1.0060 1.1260 0.6160 1.0060 0.9300 0.7150 0.9300
99 1.6340 1.6670 0.5870 1.6340 1.1810 0.9260 1.1810 1.0100 1.1300 0.6160 1.0100 0.9350 0.7150 0.9350
AGE - MARITAL STATUS - GENDER FACTORS
March 2016 Oregon RF-33
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Married Male Married Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
15 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030
16 3.0870 3.6280 1.6000 3.0870 3.0980 0.9950 3.0980 2.5420 2.2980 1.8360 2.5420 1.9030 0.7360 1.9030
17 2.7450 3.1120 1.3660 2.7450 2.7370 1.0080 2.7370 2.2740 2.0340 1.5580 2.2740 1.7440 0.7550 1.7440
18 2.3670 2.5860 1.1450 2.3670 2.3590 1.0210 2.3590 1.9760 1.7590 1.2960 1.9760 1.5750 0.7770 1.5750
19 2.0630 2.1990 0.9990 2.0630 2.0730 1.0290 2.0730 1.7330 1.5540 1.1220 1.7330 1.4450 0.7960 1.4450
20 1.8130 1.9090 0.9030 1.8130 1.8530 1.0350 1.8530 1.5330 1.3960 1.0070 1.5330 1.3430 0.8120 1.3430
21 1.6070 1.6870 0.8410 1.6070 1.6790 1.0370 1.6790 1.3670 1.2750 0.9310 1.3670 1.2600 0.8260 1.2600
22 1.4340 1.5120 0.8030 1.4340 1.5370 1.0370 1.5370 1.2270 1.1790 0.8830 1.2270 1.1910 0.8360 1.1910
23 1.3470 1.4020 0.7840 1.3470 1.4210 1.0350 1.4210 1.1590 1.1240 0.8550 1.1590 1.1350 0.8460 1.1350
24 1.2920 1.3220 0.7770 1.2920 1.3320 1.0330 1.3320 1.1170 1.0870 0.8420 1.1170 1.0910 0.8530 1.0910
25 1.2440 1.2590 0.7800 1.2440 1.2610 1.0300 1.2610 1.0810 1.0590 0.8400 1.0810 1.0580 0.8590 1.0580
26 1.2040 1.2090 0.7920 1.2040 1.2060 1.0250 1.2060 1.0490 1.0390 0.8460 1.0490 1.0330 0.8650 1.0330
27 1.1690 1.1680 0.8100 1.1690 1.1620 1.0210 1.1620 1.0220 1.0230 0.8580 1.0220 1.0140 0.8690 1.0140
28 1.1380 1.1340 0.8320 1.1380 1.1270 1.0170 1.1270 0.9990 1.0100 0.8760 0.9990 0.9990 0.8720 0.9990
29 1.1110 1.1060 0.8570 1.1110 1.0990 1.0130 1.0990 0.9790 0.9990 0.8950 0.9790 0.9880 0.8750 0.9880
30 1.0880 1.0820 0.8840 1.0880 1.0760 1.0100 1.0760 0.9600 0.9900 0.9160 0.9600 0.9790 0.8780 0.9790
31 1.0670 1.0630 0.9100 1.0670 1.0570 1.0070 1.0570 0.9440 0.9820 0.9370 0.9440 0.9720 0.8810 0.9720
32 1.0480 1.0450 0.9360 1.0480 1.0410 1.0040 1.0410 0.9290 0.9740 0.9560 0.9290 0.9650 0.8830 0.9650
33 1.0320 1.0300 0.9590 1.0320 1.0260 1.0020 1.0260 0.9150 0.9660 0.9730 0.9150 0.9590 0.8860 0.9590
34 1.0170 1.0150 0.9800 1.0170 1.0140 1.0010 1.0140 0.9020 0.9570 0.9860 0.9020 0.9520 0.8880 0.9520
35 1.0030 1.0030 0.9960 1.0030 1.0030 1.0000 1.0030 0.8910 0.9480 0.9950 0.8910 0.9450 0.8900 0.9450
36 0.9910 0.9910 1.0080 0.9910 0.9920 1.0000 0.9920 0.8800 0.9380 1.0000 0.8800 0.9370 0.8920 0.9370
37 0.9800 0.9800 1.0150 0.9800 0.9810 1.0000 0.9810 0.8690 0.9280 1.0000 0.8690 0.9280 0.8940 0.9280
38 0.9690 0.9700 1.0180 0.9690 0.9710 1.0010 0.9710 0.8590 0.9180 0.9950 0.8590 0.9190 0.8960 0.9190
39 0.9610 0.9590 1.0160 0.9610 0.9610 1.0020 0.9610 0.8500 0.9060 0.9860 0.8500 0.9090 0.8980 0.9090
40 0.9530 0.9500 1.0090 0.9530 0.9510 1.0040 0.9510 0.8410 0.8930 0.9730 0.8410 0.8980 0.9000 0.8980
41 0.9460 0.9410 0.9980 0.9460 0.9410 1.0060 0.9410 0.8330 0.8810 0.9550 0.8330 0.8870 0.9020 0.8870
42 0.9390 0.9330 0.9850 0.9390 0.9310 1.0080 0.9310 0.8260 0.8680 0.9350 0.8260 0.8750 0.9030 0.8750
43 0.9330 0.9250 0.9680 0.9330 0.9210 1.0100 0.9210 0.8180 0.8550 0.9130 0.8180 0.8620 0.9040 0.8620
44 0.9280 0.9180 0.9500 0.9280 0.9110 1.0130 0.9110 0.8110 0.8420 0.8890 0.8110 0.8500 0.9040 0.8500
45 0.9250 0.9110 0.9300 0.9250 0.9020 1.0150 0.9020 0.8050 0.8290 0.8640 0.8050 0.8370 0.9040 0.8370
46 0.9220 0.9050 0.9100 0.9220 0.8930 1.0180 0.8930 0.7980 0.8170 0.8390 0.7980 0.8240 0.9040 0.8240
47 0.9190 0.9010 0.8890 0.9190 0.8840 1.0210 0.8840 0.7920 0.8060 0.8140 0.7920 0.8120 0.9030 0.8120
48 0.9170 0.8970 0.8700 0.9170 0.8760 1.0230 0.8760 0.7870 0.7950 0.7910 0.7870 0.8000 0.9010 0.8000
49 0.9170 0.8940 0.8520 0.9170 0.8690 1.0250 0.8690 0.7820 0.7850 0.7680 0.7820 0.7890 0.8990 0.7890
50 0.9170 0.8920 0.8350 0.9170 0.8620 1.0270 0.8620 0.7780 0.7760 0.7480 0.7780 0.7780 0.8970 0.7780
51 0.9180 0.8920 0.8210 0.9180 0.8550 1.0290 0.8550 0.7740 0.7680 0.7300 0.7740 0.7670 0.8940 0.7670
52 0.9190 0.8930 0.8080 0.9190 0.8500 1.0310 0.8500 0.7700 0.7610 0.7140 0.7700 0.7570 0.8900 0.7570
53 0.9220 0.8940 0.7990 0.9220 0.8460 1.0330 0.8460 0.7670 0.7550 0.7000 0.7670 0.7480 0.8860 0.7480
54 0.9250 0.8980 0.7920 0.9250 0.8420 1.0350 0.8420 0.7640 0.7510 0.6890 0.7640 0.7410 0.8810 0.7410
55 0.9300 0.9020 0.7870 0.9300 0.8810 1.0360 0.8810 0.7610 0.7470 0.6790 0.7610 0.7700 0.8760 0.7700
56 0.9350 0.9070 0.7840 0.9350 0.8790 1.0370 0.8790 0.7580 0.7450 0.6720 0.7580 0.7620 0.8710 0.7620
57 0.9400 0.9140 0.7840 0.9400 0.8780 1.0380 0.8780 0.7560 0.7440 0.6670 0.7560 0.7570 0.8650 0.7570
AGE - MARITAL STATUS - GENDER FACTORS
RF-34 Oregon March 2016
OREGON MUTUAL INSURANCE COMPANY
CUSTOM SHIELD
RATING FACTORS
DRIVER RATING FACTORS
Married Male Married Female
AGE BI PD PIP UMBI UMPD COMP COLL BI PD PIP UMBI UMPD COMP COLL
58 0.9460 0.9230 0.7850 0.9460 0.8780 1.0390 0.8780 0.7540 0.7440 0.6630 0.7540 0.7520 0.8590 0.7520
59 0.9530 0.9320 0.7880 0.9530 0.8780 1.0400 0.8780 0.7520 0.7450 0.6610 0.7520 0.7480 0.8530 0.7480
60 0.9600 0.9410 0.7910 0.9600 0.9210 1.0930 0.9210 0.7510 0.7470 0.6580 0.7510 0.7790 0.8880 0.7790
61 0.9690 0.9530 0.7930 0.9690 0.9230 1.0940 0.9230 0.7490 0.7500 0.6550 0.7490 0.7760 0.8810 0.7760
62 0.9780 0.9650 0.7940 0.9780 0.9260 1.0940 0.9260 0.7480 0.7540 0.6510 0.7480 0.7720 0.8740 0.7720
63 0.9870 0.9780 0.7920 0.9870 0.9300 1.0950 0.9300 0.7470 0.7590 0.6450 0.7470 0.7700 0.8660 0.7700
64 0.9960 0.9910 0.7860 0.9960 0.9330 1.0960 0.9330 0.7450 0.7640 0.6350 0.7450 0.7680 0.8590 0.7680
65 1.0060 1.0040 0.7730 1.0060 0.9370 1.0960 0.9370 0.7440 0.7700 0.6200 0.7440 0.7670 0.8510 0.7670
66 1.0170 1.0190 0.7690 1.0170 0.9420 1.0970 0.9420 0.7420 0.7760 0.6160 0.7420 0.7660 0.8420 0.7660
67 1.0280 1.0330 0.7690 1.0280 0.9470 1.0980 0.9470 0.7400 0.7820 0.6160 0.7400 0.7630 0.8340 0.7630
68 1.0390 1.0480 0.7690 1.0390 0.9520 1.0980 0.9520 0.7390 0.7890 0.6160 0.7390 0.7620 0.8250 0.7620
69 1.0510 1.0630 0.7690 1.0510 0.9570 1.0980 0.9570 0.7370 0.7950 0.6160 0.7370 0.7610 0.8170 0.7610
70 1.0630 1.0780 0.7690 1.0630 0.9610 1.0970 0.9610 0.7350 0.8020 0.6160 0.7350 0.7590 0.8070 0.7590
71 1.0760 1.0930 0.7690 1.0760 1.0110 1.1480 1.0110 0.7330 0.8080 0.6160 0.7330 0.7910 0.8360 0.7910
72 1.0890 1.1080 0.7690 1.0890 1.0170 1.1460 1.0170 0.7300 0.8140 0.6160 0.7300 0.7900 0.8250 0.7900
73 1.1020 1.1230 0.7690 1.1020 1.0220 1.1440 1.0220 0.7280 0.8190 0.6160 0.7280 0.7880 0.8140 0.7880
74 1.1160 1.1390 0.7690 1.1160 1.0280 1.1390 1.0280 0.7260 0.8230 0.6160 0.7260 0.7840 0.8020 0.7840
75 1.1310 1.1550 0.7690 1.1310 1.0340 1.1320 1.0340 0.7240 0.8270 0.6160 0.7240 0.7820 0.7880 0.7820
76 1.1480 1.1720 0.7690 1.1480 1.0420 1.1240 1.0420 0.7220 0.8300 0.6160 0.7220 0.7800 0.7720 0.7800
77 1.1650 1.1890 0.7690 1.1650 1.0510 1.1120 1.0510 0.7210 0.8330 0.6160 0.7210 0.7770 0.7570 0.7770
78 1.1850 1.2100 0.7690 1.1850 1.0610 1.0970 1.0610 0.7210 0.8360 0.6160 0.7210 0.7760 0.7370 0.7760
79 1.2060 1.2320 0.7690 1.2060 1.0740 1.0780 1.0740 0.7210 0.8390 0.6160 0.7210 0.7760 0.7170 0.7760
80 1.2310 1.2590 0.7690 1.2310 1.0900 1.1030 1.0900 0.7220 0.8420 0.6160 0.7220 0.7770 0.7250 0.7770
81 1.2590 1.2900 0.7690 1.2590 1.1120 1.0740 1.1120 0.7240 0.8460 0.6160 0.7240 0.7810 0.6970 0.7810
82 1.2910 1.3280 0.7690 1.2910 1.1390 1.0400 1.1390 0.7290 0.8510 0.6160 0.7290 0.7870 0.6670 0.7870
83 1.3280 1.3750 0.7690 1.3280 1.1730 0.9980 1.1730 0.7350 0.8580 0.6160 0.7350 0.7970 0.6330 0.7970
84 1.3720 1.4330 0.7690 1.3720 1.2180 0.9510 1.2180 0.7440 0.8680 0.6160 0.7440 0.8120 0.5960 0.8120
85 1.4230 1.5060 0.7690 1.4230 1.2740 0.8980 1.2740 0.7570 0.8830 0.6160 0.7570 0.8340 0.5570 0.8340
86 1.4430 1.5320 0.7690 1.4430 1.2940 0.8840 1.2940 0.7630 0.8890 0.6160 0.7630 0.8410 0.5460 0.8410
87 1.4540 1.5440 0.7690 1.4540 1.3050 0.8840 1.3050 0.7660 0.8920 0.6160 0.7660 0.8440 0.5460 0.8440
88 1.4660 1.5570 0.7690 1.4660 1.3160 0.8840 1.3160 0.7690 0.8960 0.6160 0.7690 0.8480 0.5460 0.8480
89 1.4780 1.5690 0.7690 1.4780 1.3260 0.8840 1.3260 0.7720 0.8990 0.6160 0.7720 0.8510 0.5460 0.8510
90 1.4900 1.5820 0.7690 1.4900 1.3360 0.8840 1.3360 0.7750 0.9030 0.6160 0.7750 0.8540 0.5460 0.8540
91 1.5020 1.5950 0.7690 1.5020 1.3470 0.8840 1.3470 0.7780 0.9070 0.6160 0.7780 0.8580 0.5460 0.8580
92 1.5140 1.6070 0.7690 1.5140 1.3580 0.8840 1.3580 0.7810 0.9100 0.6160 0.7810 0.8610 0.5460 0.8610
93 1.5260 1.6200 0.7690 1.5260 1.3690 0.8840 1.3690 0.7840 0.9140 0.6160 0.7840 0.8650 0.5460 0.8650
94 1.5380 1.6330 0.7690 1.5380 1.3800 0.8840 1.3800 0.7870 0.9180 0.6160 0.7870 0.8680 0.5460 0.8680
95 1.5500 1.6460 0.7690 1.5500 1.3900 0.8840 1.3900 0.7900 0.9210 0.6160 0.7900 0.8720 0.5460 0.8720
96 1.5630 1.6590 0.7690 1.5630 1.4020 0.8840 1.4020 0.7940 0.9250 0.6160 0.7940 0.8750 0.5460 0.8750
97 1.5750 1.6730 0.7690 1.5750 1.4130 0.8840 1.4130 0.7970 0.9290 0.6160 0.7970 0.8790 0.5460 0.8790
98 1.5880 1.6860 0.7690 1.5880 1.4250 0.8840 1.4250 0.8000 0.9320 0.6160 0.8000 0.8820 0.5460 0.8820
99 1.6010 1.7000 0.7690 1.6010 1.4360 0.8840 1.4360 0.8030 0.9360 0.6160 0.8030 0.8860 0.5460 0.8860
AGE - MARITAL STATUS - GENDER FACTORS
March 2016 Oregon RF-35
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-36 Oregon March 2019
DRIVER RATING FACTORS
Single Non-Specified Single Non-SpecifiedAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.5480 3.4600 2.0060 3.5480 2.7380 0.8560 2.7380 58 0.8450 0.8690 0.6950 0.8450 0.8440 0.9910 0.844016 3.5480 3.4600 2.0060 3.5480 2.7380 0.8560 2.7380 59 0.8480 0.8760 0.6870 0.8480 0.8450 0.9860 0.845017 3.1360 3.0340 1.7110 3.1360 2.4880 0.8810 2.4880 60 0.8510 0.8830 0.6780 0.8510 0.8870 1.0290 0.887018 2.6830 2.5860 1.4320 2.6830 2.2190 0.9110 2.2190 61 0.8550 0.8900 0.6690 0.8550 0.8900 1.0240 0.890019 2.3190 2.2440 1.2490 2.3190 2.0100 0.9360 2.0100 62 0.8600 0.8980 0.6580 0.8600 0.8930 1.0180 0.893020 2.0230 1.9790 1.1270 2.0230 1.8450 0.9580 1.8450 63 0.8650 0.9060 0.6450 0.8650 0.8970 1.0120 0.897021 1.7780 1.7700 1.0480 1.7780 1.7090 0.9760 1.7090 64 0.8700 0.9140 0.6280 0.8700 0.9020 1.0070 0.902022 1.5750 1.6000 0.9990 1.5750 1.5940 0.9910 1.5940 65 0.8770 0.9220 0.6070 0.8770 0.9060 1.0030 0.906023 1.4690 1.4920 0.9710 1.4690 1.4980 1.0030 1.4980 66 0.8830 0.9300 0.6020 0.8830 0.9110 0.9980 0.911024 1.3980 1.4110 0.9600 1.3980 1.4210 1.0130 1.4210 67 0.8900 0.9380 0.6020 0.8900 0.9160 0.9940 0.916025 1.3370 1.3450 0.9620 1.3370 1.3590 1.0210 1.3590 68 0.8970 0.9440 0.6020 0.8970 0.9210 0.9900 0.921026 1.2840 1.2890 0.9720 1.2840 1.3100 1.0280 1.3100 69 0.9050 0.9510 0.6020 0.9050 0.9250 0.9860 0.925027 1.2380 1.2420 0.9900 1.2380 1.2690 1.0340 1.2690 70 0.9130 0.9570 0.6020 0.9130 0.9290 0.9830 0.929028 1.1980 1.2010 1.0130 1.1980 1.2350 1.0380 1.2350 71 0.9220 0.9630 0.6020 0.9220 0.9730 1.0260 0.973029 1.1620 1.1660 1.0380 1.1620 1.2070 1.0410 1.2070 72 0.9310 0.9680 0.6020 0.9310 0.9750 1.0220 0.975030 1.1290 1.1350 1.0640 1.1290 1.1810 1.0440 1.1810 73 0.9400 0.9730 0.6020 0.9400 0.9760 1.0180 0.976031 1.1000 1.1070 1.0900 1.1000 1.1590 1.0460 1.1590 74 0.9510 0.9790 0.6020 0.9510 0.9760 1.0120 0.976032 1.0740 1.0810 1.1140 1.0740 1.1370 1.0480 1.1370 75 0.9620 0.9840 0.6020 0.9620 0.9750 1.0060 0.975033 1.0490 1.0580 1.1340 1.0490 1.1180 1.0490 1.1180 76 0.9750 0.9900 0.6020 0.9750 0.9730 1.0000 0.973034 1.0280 1.0370 1.1500 1.0280 1.0990 1.0510 1.0990 77 0.9880 0.9980 0.6020 0.9880 0.9700 0.9900 0.970035 1.0070 1.0170 1.1610 1.0070 1.0800 1.0520 1.0800 78 1.0030 1.0090 0.6020 1.0030 0.9660 0.9780 0.966036 0.9890 0.9980 1.1660 0.9890 1.0630 1.0530 1.0630 79 1.0200 1.0220 0.6020 1.0200 0.9630 0.9650 0.963037 0.9720 0.9810 1.1660 0.9720 1.0440 1.0530 1.0440 80 1.0400 1.0400 0.6020 1.0400 0.9590 0.9910 0.959038 0.9560 0.9640 1.1590 0.9560 1.0260 1.0540 1.0260 81 1.0620 1.0630 0.6020 1.0620 0.9570 0.9680 0.957039 0.9420 0.9480 1.1460 0.9420 1.0080 1.0540 1.0080 82 1.0890 1.0950 0.6020 1.0890 0.9550 0.9420 0.955040 0.9280 0.9340 1.1280 0.9280 0.9900 1.0540 0.9900 83 1.1190 1.1360 0.6020 1.1190 0.9570 0.9100 0.957041 0.9160 0.9210 1.1050 0.9160 0.9730 1.0530 0.9730 84 1.1560 1.1910 0.6020 1.1560 0.9610 0.8740 0.961042 0.9050 0.9080 1.0790 0.9050 0.9560 1.0530 0.9560 85 1.2000 1.2640 0.6020 1.2000 0.9700 0.8320 0.970043 0.8940 0.8970 1.0500 0.8940 0.9380 1.0520 0.9380 86 1.2160 1.2880 0.6020 1.2160 0.9770 0.8210 0.977044 0.8850 0.8870 1.0190 0.8850 0.9220 1.0510 0.9220 87 1.2240 1.2960 0.6020 1.2240 0.9820 0.8210 0.982045 0.8770 0.8780 0.9860 0.8770 0.9060 1.0480 0.9060 88 1.2320 1.3050 0.6020 1.2320 0.9890 0.8210 0.989046 0.8690 0.8700 0.9530 0.8690 0.8910 1.0460 0.8910 89 1.2400 1.3130 0.6020 1.2400 0.9940 0.8210 0.994047 0.8630 0.8640 0.9210 0.8630 0.8770 1.0430 0.8770 90 1.2480 1.3210 0.6020 1.2480 1.0010 0.8210 1.001048 0.8570 0.8580 0.8900 0.8570 0.8650 1.0400 0.8650 91 1.2560 1.3300 0.6020 1.2560 1.0060 0.8210 1.006049 0.8520 0.8540 0.8600 0.8520 0.8530 1.0360 0.8530 92 1.2640 1.3380 0.6020 1.2640 1.0130 0.8210 1.013050 0.8480 0.8510 0.8330 0.8480 0.8430 1.0320 0.8430 93 1.2720 1.3470 0.6020 1.2720 1.0190 0.8210 1.019051 0.8440 0.8490 0.8080 0.8440 0.8330 1.0280 0.8330 94 1.2800 1.3550 0.6020 1.2800 1.0260 0.8210 1.026052 0.8430 0.8490 0.7850 0.8430 0.8260 1.0240 0.8260 95 1.2890 1.3640 0.6020 1.2890 1.0320 0.8210 1.032053 0.8410 0.8490 0.7640 0.8410 0.8190 1.0190 0.8190 96 1.2970 1.3730 0.6020 1.2970 1.0380 0.8210 1.038054 0.8400 0.8520 0.7460 0.8400 0.8130 1.0140 0.8130 97 1.3050 1.3810 0.6020 1.3050 1.0450 0.8210 1.045055 0.8400 0.8540 0.7310 0.8400 0.8500 1.0080 0.8500 98 1.3140 1.3900 0.6020 1.3140 1.0510 0.8210 1.051056 0.8410 0.8580 0.7180 0.8410 0.8460 1.0030 0.8460 99 1.3220 1.3990 0.6020 1.3220 1.0580 0.8210 1.058057 0.8420 0.8630 0.7060 0.8420 0.8450 0.9970 0.8450
AGE - MARITAL STATUS - GENDER FACTORS
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-37
DRIVER RATING FACTORS
Married Non-Specified Married Non-SpecifiedAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.8150 2.9630 1.7180 2.8150 2.5010 0.8660 2.5010 58 0.8500 0.8340 0.7240 0.8500 0.8150 0.9490 0.815016 2.8150 2.9630 1.7180 2.8150 2.5010 0.8660 2.5010 59 0.8530 0.8390 0.7250 0.8530 0.8130 0.9470 0.813017 2.5100 2.5730 1.4620 2.5100 2.2410 0.8820 2.2410 60 0.8560 0.8440 0.7250 0.8560 0.8500 0.9910 0.850018 2.1720 2.1730 1.2210 2.1720 1.9670 0.8990 1.9670 61 0.8590 0.8520 0.7240 0.8590 0.8500 0.9880 0.850019 1.8980 1.8770 1.0610 1.8980 1.7590 0.9130 1.7590 62 0.8630 0.8600 0.7230 0.8630 0.8490 0.9840 0.849020 1.6730 1.6530 0.9550 1.6730 1.5980 0.9240 1.5980 63 0.8670 0.8690 0.7190 0.8670 0.8500 0.9810 0.850021 1.4870 1.4810 0.8860 1.4870 1.4700 0.9320 1.4700 64 0.8710 0.8780 0.7110 0.8710 0.8510 0.9780 0.851022 1.3310 1.3460 0.8430 1.3310 1.3640 0.9370 1.3640 65 0.8750 0.8870 0.6970 0.8750 0.8520 0.9740 0.852023 1.2530 1.2630 0.8200 1.2530 1.2780 0.9410 1.2780 66 0.8800 0.8980 0.6930 0.8800 0.8540 0.9700 0.854024 1.2050 1.2050 0.8100 1.2050 1.2120 0.9430 1.2120 67 0.8840 0.9080 0.6930 0.8840 0.8550 0.9660 0.855025 1.1630 1.1590 0.8100 1.1630 1.1600 0.9450 1.1600 68 0.8890 0.9190 0.6930 0.8890 0.8570 0.9620 0.857026 1.1270 1.1240 0.8190 1.1270 1.1200 0.9450 1.1200 69 0.8940 0.9290 0.6930 0.8940 0.8590 0.9580 0.859027 1.0960 1.0960 0.8340 1.0960 1.0880 0.9450 1.0880 70 0.8990 0.9400 0.6930 0.8990 0.8600 0.9520 0.860028 1.0690 1.0720 0.8540 1.0690 1.0630 0.9450 1.0630 71 0.9050 0.9510 0.6930 0.9050 0.9010 0.9920 0.901029 1.0450 1.0530 0.8760 1.0450 1.0440 0.9440 1.0440 72 0.9100 0.9610 0.6930 0.9100 0.9040 0.9860 0.904030 1.0240 1.0360 0.9000 1.0240 1.0280 0.9440 1.0280 73 0.9150 0.9710 0.6930 0.9150 0.9050 0.9790 0.905031 1.0060 1.0230 0.9240 1.0060 1.0150 0.9440 1.0150 74 0.9210 0.9810 0.6930 0.9210 0.9060 0.9710 0.906032 0.9890 1.0100 0.9460 0.9890 1.0030 0.9440 1.0030 75 0.9280 0.9910 0.6930 0.9280 0.9080 0.9600 0.908033 0.9740 0.9980 0.9660 0.9740 0.9930 0.9440 0.9930 76 0.9350 1.0010 0.6930 0.9350 0.9110 0.9480 0.911034 0.9600 0.9860 0.9830 0.9600 0.9830 0.9450 0.9830 77 0.9430 1.0110 0.6930 0.9430 0.9140 0.9350 0.914035 0.9470 0.9760 0.9960 0.9470 0.9740 0.9450 0.9740 78 0.9530 1.0230 0.6930 0.9530 0.9190 0.9170 0.919036 0.9360 0.9650 1.0040 0.9360 0.9650 0.9460 0.9650 79 0.9640 1.0360 0.6930 0.9640 0.9250 0.8980 0.925037 0.9250 0.9540 1.0080 0.9250 0.9550 0.9470 0.9550 80 0.9770 1.0510 0.6930 0.9770 0.9340 0.9140 0.934038 0.9140 0.9440 1.0070 0.9140 0.9450 0.9490 0.9450 81 0.9920 1.0680 0.6930 0.9920 0.9470 0.8860 0.947039 0.9060 0.9330 1.0010 0.9060 0.9350 0.9500 0.9350 82 1.0100 1.0900 0.6930 1.0100 0.9630 0.8540 0.963040 0.8970 0.9220 0.9910 0.8970 0.9250 0.9520 0.9250 83 1.0320 1.1170 0.6930 1.0320 0.9850 0.8160 0.985041 0.8900 0.9110 0.9770 0.8900 0.9140 0.9540 0.9140 84 1.0580 1.1510 0.6930 1.0580 1.0150 0.7740 1.015042 0.8830 0.9010 0.9600 0.8830 0.9030 0.9560 0.9030 85 1.0900 1.1950 0.6930 1.0900 1.0540 0.7280 1.054043 0.8760 0.8900 0.9410 0.8760 0.8920 0.9570 0.8920 86 1.1030 1.2110 0.6930 1.1030 1.0680 0.7150 1.068044 0.8700 0.8800 0.9200 0.8700 0.8810 0.9590 0.8810 87 1.1100 1.2180 0.6930 1.1100 1.0750 0.7150 1.075045 0.8650 0.8700 0.8970 0.8650 0.8700 0.9600 0.8700 88 1.1180 1.2270 0.6930 1.1180 1.0820 0.7150 1.082046 0.8600 0.8610 0.8750 0.8600 0.8590 0.9610 0.8590 89 1.1250 1.2340 0.6930 1.1250 1.0890 0.7150 1.089047 0.8560 0.8540 0.8520 0.8560 0.8480 0.9620 0.8480 90 1.1330 1.2430 0.6930 1.1330 1.0950 0.7150 1.095048 0.8520 0.8460 0.8310 0.8520 0.8380 0.9620 0.8380 91 1.1400 1.2510 0.6930 1.1400 1.1030 0.7150 1.103049 0.8500 0.8400 0.8100 0.8500 0.8290 0.9620 0.8290 92 1.1480 1.2590 0.6930 1.1480 1.1100 0.7150 1.110050 0.8480 0.8340 0.7920 0.8480 0.8200 0.9620 0.8200 93 1.1550 1.2670 0.6930 1.1550 1.1170 0.7150 1.117051 0.8460 0.8300 0.7760 0.8460 0.8110 0.9620 0.8110 94 1.1630 1.2760 0.6930 1.1630 1.1240 0.7150 1.124052 0.8450 0.8270 0.7610 0.8450 0.8040 0.9610 0.8040 95 1.1700 1.2840 0.6930 1.1700 1.1310 0.7150 1.131053 0.8450 0.8250 0.7500 0.8450 0.7970 0.9600 0.7970 96 1.1790 1.2920 0.6930 1.1790 1.1390 0.7150 1.139054 0.8450 0.8250 0.7410 0.8450 0.7920 0.9580 0.7920 97 1.1860 1.3010 0.6930 1.1860 1.1460 0.7150 1.146055 0.8460 0.8250 0.7330 0.8460 0.8260 0.9560 0.8260 98 1.1940 1.3090 0.6930 1.1940 1.1540 0.7150 1.154056 0.8470 0.8260 0.7280 0.8470 0.8210 0.9540 0.8210 99 1.2020 1.3180 0.6930 1.2020 1.1610 0.7150 1.161057 0.8480 0.8290 0.7260 0.8480 0.8180 0.9520 0.8180
AGE - MARITAL STATUS - GENDER FACTORS
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-38 Oregon March 2019
DRIVER RATING FACTORS
Status FactorNo Training 1.00
Training 0.95
Distant Student DiscountBI PD PIP UMBI UMPD COMP COLL
Not DS 1.00 1.00 1.00 1.00 1.00 1.00 1.00DS Age 15 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 16 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 17 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 18 0.80 0.80 0.80 0.80 0.80 0.80 0.80DS Age 19 0.81 0.81 0.81 0.81 0.81 0.81 0.81DS Age 20 0.83 0.83 0.83 0.83 0.83 0.83 0.83DS Age 21 0.85 0.85 0.85 0.85 0.85 0.85 0.85DS Age 22 0.87 0.87 0.87 0.87 0.87 0.87 0.87DS Age 23 0.89 0.89 0.89 0.89 0.89 0.89 0.89DS Age 24 0.91 0.91 0.91 0.91 0.91 0.91 0.91DS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Driver Training DiscountBI PD PIP UMBI UMPD COMP COLL
No DT 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 15 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 16 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 17 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 18 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 19 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 20 0.98 0.98 0.98 1.00 1.00 0.98 0.98DT Age 21 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 22 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 23 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 24 1.00 1.00 1.00 1.00 1.00 1.00 1.00DT Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Good Student CreditBI PD PIP UMBI UMPD COMP COLL
No GS 1.00 1.00 1.00 1.00 1.00 1.00 1.00GS Age 15 0.84 0.84 0.84 0.84 0.84 0.84 0.84GS Age 16 0.84 0.84 0.84 0.84 0.84 0.84 0.84GS Age 17 0.86 0.86 0.86 0.86 0.86 0.86 0.86GS Age 18 0.88 0.88 0.88 0.88 0.88 0.88 0.88GS Age 19 0.90 0.90 0.90 0.90 0.90 0.90 0.90GS Age 20 0.92 0.92 0.92 0.92 0.92 0.92 0.92GS Age 21 0.94 0.94 0.94 0.94 0.94 0.94 0.94GS Age 22 0.96 0.96 0.96 0.96 0.96 0.96 0.96GS Age 23 0.98 0.98 0.98 0.98 0.98 0.98 0.98GS Age 24 0.99 0.99 0.99 0.99 0.99 0.99 0.99GS Age 25 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Defensive Driver Training Credit
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-39
DRIVER RATING FACTORS
LEGACY DISCOUNT RELATIVITIES
AGE BI PD PIP UMBI UMPD COMP COLL15 0.90 0.90 0.90 0.90 0.90 0.90 0.9016 0.90 0.90 0.90 0.90 0.90 0.90 0.9017 0.90 0.90 0.90 0.90 0.90 0.90 0.9018 0.90 0.90 0.90 0.90 0.90 0.90 0.9019 0.90 0.90 0.90 0.90 0.90 0.90 0.9020 0.90 0.90 0.90 0.90 0.90 0.90 0.9021 0.92 0.92 0.92 0.92 0.92 0.92 0.9222 0.94 0.94 0.94 0.94 0.94 0.94 0.9423 0.96 0.96 0.96 0.96 0.96 0.96 0.9624 0.98 0.98 0.98 0.98 0.98 0.98 0.98
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-40 Oregon March 2019
DRIVER RATING FACTORS
0 Points 0 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 58 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000016 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 59 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000017 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 60 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000018 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 61 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000019 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 62 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000020 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 63 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000021 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 64 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000022 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 65 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000023 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 66 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000024 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 67 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000025 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 68 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000026 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 69 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000027 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 70 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000028 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 71 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000029 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 72 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000030 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 73 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000031 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 74 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000032 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 75 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000033 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 76 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000034 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 77 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000035 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 78 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000036 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 79 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000037 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 80 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000038 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 81 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000039 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 82 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000040 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 83 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000041 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 84 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000042 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 85 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000043 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 86 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000044 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 87 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000045 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 88 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000046 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 89 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000047 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 90 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000048 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 91 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000049 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 92 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000050 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 93 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000051 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 94 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000052 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 95 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000053 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 96 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000054 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 97 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000055 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 98 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000056 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 99 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.000057 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-41
DRIVER RATING FACTORS
1 Point 1 PointAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.0603 1.0811 1.0494 1.0098 1.0197 1.0395 1.0197 58 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237516 1.0603 1.0811 1.0494 1.0098 1.0197 1.0395 1.0197 59 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237517 1.0655 1.0915 1.0494 1.0148 1.0296 1.0395 1.0296 60 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237518 1.0707 1.1019 1.0494 1.0197 1.0395 1.0395 1.0395 61 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237519 1.0759 1.1123 1.0494 1.0247 1.0494 1.0395 1.0494 62 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237520 1.0811 1.1227 1.0494 1.0296 1.0593 1.0395 1.0593 63 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237521 1.0998 1.1414 1.0494 1.0474 1.0732 1.0395 1.0732 64 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237522 1.1185 1.1601 1.0494 1.0652 1.0870 1.0395 1.0870 65 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237523 1.1372 1.1788 1.0494 1.0831 1.1009 1.0395 1.1009 66 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237524 1.1559 1.1975 1.0494 1.1009 1.1147 1.0395 1.1147 67 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237525 1.1746 1.2162 1.0494 1.1187 1.1286 1.0395 1.1286 68 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237526 1.1799 1.2204 1.0494 1.1237 1.1326 1.0395 1.1326 69 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237527 1.1850 1.2245 1.0494 1.1286 1.1365 1.0395 1.1365 70 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237528 1.1903 1.2287 1.0494 1.1336 1.1405 1.0395 1.1405 71 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237529 1.1954 1.2328 1.0494 1.1385 1.1444 1.0395 1.1444 72 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237530 1.2007 1.2370 1.0494 1.1435 1.1484 1.0395 1.1484 73 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237531 1.2058 1.2412 1.0494 1.1484 1.1524 1.0395 1.1524 74 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237532 1.2111 1.2453 1.0494 1.1534 1.1563 1.0395 1.1563 75 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237533 1.2162 1.2495 1.0494 1.1583 1.1603 1.0395 1.1603 76 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237534 1.2215 1.2536 1.0494 1.1633 1.1642 1.0395 1.1642 77 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237535 1.2266 1.2578 1.0494 1.1682 1.1682 1.0395 1.1682 78 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237536 1.2319 1.2599 1.0494 1.1732 1.1722 1.0395 1.1722 79 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237537 1.2360 1.2620 1.0494 1.1771 1.1751 1.0395 1.1751 80 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237538 1.2412 1.2640 1.0494 1.1821 1.1791 1.0395 1.1791 81 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237539 1.2453 1.2661 1.0494 1.1860 1.1821 1.0395 1.1821 82 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237540 1.2506 1.2682 1.0494 1.1910 1.1860 1.0395 1.1860 83 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237541 1.2547 1.2703 1.0494 1.1949 1.1890 1.0395 1.1890 84 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237542 1.2599 1.2723 1.0494 1.1999 1.1930 1.0395 1.1930 85 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237543 1.2640 1.2744 1.0494 1.2038 1.1959 1.0395 1.1959 86 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237544 1.2693 1.2765 1.0494 1.2088 1.1999 1.0395 1.1999 87 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237545 1.2734 1.2786 1.0494 1.2128 1.2029 1.0395 1.2029 88 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237546 1.2786 1.2807 1.0494 1.2177 1.2068 1.0395 1.2068 89 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237547 1.2827 1.2827 1.0494 1.2217 1.2098 1.0395 1.2098 90 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237548 1.2880 1.2848 1.0494 1.2266 1.2137 1.0395 1.2137 91 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237549 1.2921 1.2869 1.0494 1.2306 1.2167 1.0395 1.2167 92 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237550 1.2973 1.2890 1.0494 1.2355 1.2207 1.0395 1.2207 93 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237551 1.3015 1.2911 1.0494 1.2395 1.2236 1.0395 1.2236 94 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237552 1.3067 1.2931 1.0494 1.2444 1.2276 1.0395 1.2276 95 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237553 1.3109 1.2952 1.0494 1.2484 1.2306 1.0395 1.2306 96 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237554 1.3160 1.2973 1.0494 1.2533 1.2345 1.0395 1.2345 97 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237555 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375 98 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237556 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375 99 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.237557 1.3202 1.2994 1.0494 1.2573 1.2375 1.0395 1.2375
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-42 Oregon March 2019
DRIVER RATING FACTORS
2 Points 2 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.2038 1.3068 1.5246 1.2672 1.3464 1.0989 1.3464 58 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692916 1.2038 1.3068 1.5246 1.2672 1.3464 1.0989 1.3464 59 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692917 1.2255 1.3147 1.5246 1.2900 1.3563 1.0989 1.3563 60 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692918 1.2462 1.3217 1.5246 1.3118 1.3662 1.0989 1.3662 61 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692919 1.2678 1.3296 1.5246 1.3345 1.3761 1.0989 1.3761 62 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692920 1.2885 1.3365 1.5246 1.3563 1.3860 1.0989 1.3860 63 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692921 1.3280 1.3563 1.5246 1.3979 1.4157 1.0989 1.4157 64 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692922 1.3675 1.3761 1.5246 1.4395 1.4454 1.0989 1.4454 65 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692923 1.4070 1.3959 1.5246 1.4810 1.4751 1.0989 1.4751 66 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692924 1.4465 1.4157 1.5246 1.5226 1.5048 1.0989 1.5048 67 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692925 1.4860 1.4355 1.5246 1.5642 1.5345 1.0989 1.5345 68 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692926 1.4945 1.4414 1.5246 1.5731 1.5375 1.0989 1.5375 69 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692927 1.5029 1.4474 1.5246 1.5820 1.5395 1.0989 1.5395 70 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692928 1.5114 1.4533 1.5246 1.5909 1.5424 1.0989 1.5424 71 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692929 1.5198 1.4593 1.5246 1.5998 1.5444 1.0989 1.5444 72 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692930 1.5284 1.4652 1.5246 1.6088 1.5474 1.0989 1.5474 73 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692931 1.5368 1.4711 1.5246 1.6177 1.5494 1.0989 1.5494 74 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692932 1.5453 1.4771 1.5246 1.6266 1.5523 1.0989 1.5523 75 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692933 1.5537 1.4830 1.5246 1.6355 1.5543 1.0989 1.5543 76 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692934 1.5622 1.4890 1.5246 1.6444 1.5573 1.0989 1.5573 77 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692935 1.5706 1.4949 1.5246 1.6533 1.5593 1.0989 1.5593 78 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692936 1.5791 1.5028 1.5246 1.6622 1.5662 1.0989 1.5662 79 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692937 1.5876 1.5107 1.5246 1.6711 1.5731 1.0989 1.5731 80 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692938 1.5961 1.5187 1.5246 1.6800 1.5791 1.0989 1.5791 81 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692939 1.6045 1.5266 1.5246 1.6889 1.5860 1.0989 1.5860 82 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692940 1.6130 1.5345 1.5246 1.6979 1.5929 1.0989 1.5929 83 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692941 1.6214 1.5424 1.5246 1.7068 1.5998 1.0989 1.5998 84 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692942 1.6299 1.5503 1.5246 1.7157 1.6058 1.0989 1.6058 85 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692943 1.6384 1.5583 1.5246 1.7246 1.6127 1.0989 1.6127 86 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692944 1.6469 1.5662 1.5246 1.7335 1.6196 1.0989 1.6196 87 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692945 1.6553 1.5741 1.5246 1.7424 1.6266 1.0989 1.6266 88 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692946 1.6638 1.5820 1.5246 1.7513 1.6325 1.0989 1.6325 89 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692947 1.6722 1.5899 1.5246 1.7602 1.6394 1.0989 1.6394 90 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692948 1.6807 1.5979 1.5246 1.7691 1.6464 1.0989 1.6464 91 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692949 1.6891 1.6058 1.5246 1.7780 1.6533 1.0989 1.6533 92 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692950 1.6977 1.6137 1.5246 1.7870 1.6592 1.0989 1.6592 93 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692951 1.7061 1.6216 1.5246 1.7959 1.6662 1.0989 1.6662 94 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692952 1.7146 1.6295 1.5246 1.8048 1.6731 1.0989 1.6731 95 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692953 1.7230 1.6375 1.5246 1.8137 1.6800 1.0989 1.6800 96 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692954 1.7315 1.6454 1.5246 1.8226 1.6860 1.0989 1.6860 97 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692955 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.6929 98 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692956 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.6929 99 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.692957 1.7399 1.6533 1.5246 1.8315 1.6929 1.0989 1.6929
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-43
DRIVER RATING FACTORS
3 Points 3 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 58 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.032016 1.4800 1.5960 2.1850 1.4800 1.6200 1.5930 1.6200 59 2.2500 2.0895 2.1850 2.2500 2.0320 1.5930 2.032017 1.5130 1.6044 2.1850 1.5130 1.6350 1.5930 1.6350 60 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.033018 1.5450 1.6118 2.1850 1.5450 1.6500 1.5930 1.6500 61 2.2500 2.0895 2.1850 2.2500 2.0330 1.5930 2.033019 1.5780 1.6202 2.1850 1.5780 1.6650 1.5930 1.6650 62 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.034020 1.6100 1.6275 2.1850 1.6100 1.6800 1.5930 1.6800 63 2.2500 2.0895 2.1850 2.2500 2.0340 1.5930 2.034021 1.6600 1.6569 2.1850 1.6600 1.7100 1.5930 1.7100 64 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.035022 1.7100 1.6863 2.1850 1.7100 1.7400 1.5930 1.7400 65 2.2500 2.0895 2.1850 2.2500 2.0350 1.5930 2.035023 1.7600 1.7157 2.1850 1.7600 1.7700 1.5930 1.7700 66 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.036024 1.8100 1.7451 2.1850 1.8100 1.8000 1.5930 1.8000 67 2.2500 2.0895 2.1850 2.2500 2.0360 1.5930 2.036025 1.8600 1.7745 2.1850 1.8600 1.8300 1.5930 1.8300 68 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.037026 1.8770 1.7850 2.1850 1.8770 1.8350 1.5930 1.8350 69 2.2500 2.0895 2.1850 2.2500 2.0370 1.5930 2.037027 1.8940 1.7955 2.1850 1.8940 1.8390 1.5930 1.8390 70 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.038028 1.9110 1.8060 2.1850 1.9110 1.8440 1.5930 1.8440 71 2.2500 2.0895 2.1850 2.2500 2.0380 1.5930 2.038029 1.9280 1.8165 2.1850 1.9280 1.8480 1.5930 1.8480 72 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.039030 1.9450 1.8270 2.1850 1.9450 1.8530 1.5930 1.8530 73 2.2500 2.0895 2.1850 2.2500 2.0390 1.5930 2.039031 1.9620 1.8375 2.1850 1.9620 1.8570 1.5930 1.8570 74 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040032 1.9790 1.8480 2.1850 1.9790 1.8620 1.5930 1.8620 75 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040033 1.9960 1.8585 2.1850 1.9960 1.8660 1.5930 1.8660 76 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040034 2.0130 1.8690 2.1850 2.0130 1.8710 1.5930 1.8710 77 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040035 2.0300 1.8795 2.1850 2.0300 1.8750 1.5930 1.8750 78 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040036 2.0410 1.8900 2.1850 2.0410 1.8830 1.5930 1.8830 79 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040037 2.0520 1.9005 2.1850 2.0520 1.8910 1.5930 1.8910 80 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040038 2.0630 1.9110 2.1850 2.0630 1.8980 1.5930 1.8980 81 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040039 2.0740 1.9215 2.1850 2.0740 1.9060 1.5930 1.9060 82 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040040 2.0850 1.9320 2.1850 2.0850 1.9140 1.5930 1.9140 83 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040041 2.0960 1.9425 2.1850 2.0960 1.9220 1.5930 1.9220 84 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040042 2.1070 1.9530 2.1850 2.1070 1.9290 1.5930 1.9290 85 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040043 2.1180 1.9635 2.1850 2.1180 1.9370 1.5930 1.9370 86 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040044 2.1290 1.9740 2.1850 2.1290 1.9450 1.5930 1.9450 87 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040045 2.1400 1.9845 2.1850 2.1400 1.9530 1.5930 1.9530 88 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040046 2.1510 1.9950 2.1850 2.1510 1.9600 1.5930 1.9600 89 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040047 2.1620 2.0055 2.1850 2.1620 1.9680 1.5930 1.9680 90 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040048 2.1730 2.0160 2.1850 2.1730 1.9760 1.5930 1.9760 91 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040049 2.1840 2.0265 2.1850 2.1840 1.9840 1.5930 1.9840 92 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040050 2.1950 2.0370 2.1850 2.1950 1.9910 1.5930 1.9910 93 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040051 2.2060 2.0475 2.1850 2.2060 1.9990 1.5930 1.9990 94 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040052 2.2170 2.0580 2.1850 2.2170 2.0070 1.5930 2.0070 95 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040053 2.2280 2.0685 2.1850 2.2280 2.0150 1.5930 2.0150 96 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040054 2.2390 2.0790 2.1850 2.2390 2.0220 1.5930 2.0220 97 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040055 2.2500 2.0895 2.1850 2.2500 2.0300 1.5930 2.0300 98 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040056 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310 99 2.2500 2.0895 2.1850 2.2500 2.0400 1.5930 2.040057 2.2500 2.0895 2.1850 2.2500 2.0310 1.5930 2.0310
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-44 Oregon March 2019
DRIVER RATING FACTORS
4 Points 4 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 58 2.6500 2.4255 2.7750 2.6500 2.3550 2.0790 2.355016 1.6800 1.8060 2.7750 1.6800 1.8800 2.0790 1.8800 59 2.6500 2.4255 2.7750 2.6500 2.3560 2.0790 2.356017 1.7230 1.8144 2.7750 1.7230 1.9000 2.0790 1.9000 60 2.6500 2.4255 2.7750 2.6500 2.3580 2.0790 2.358018 1.7650 1.8218 2.7750 1.7650 1.9200 2.0790 1.9200 61 2.6500 2.4255 2.7750 2.6500 2.3590 2.0790 2.359019 1.8080 1.8302 2.7750 1.8080 1.9400 2.0790 1.9400 62 2.6500 2.4255 2.7750 2.6500 2.3610 2.0790 2.361020 1.8500 1.8375 2.7750 1.8500 1.9600 2.0790 1.9600 63 2.6500 2.4255 2.7750 2.6500 2.3620 2.0790 2.362021 1.9080 1.8753 2.7750 1.9080 1.9900 2.0790 1.9900 64 2.6500 2.4255 2.7750 2.6500 2.3640 2.0790 2.364022 1.9660 1.9131 2.7750 1.9660 2.0200 2.0790 2.0200 65 2.6500 2.4255 2.7750 2.6500 2.3650 2.0790 2.365023 2.0240 1.9509 2.7750 2.0240 2.0500 2.0790 2.0500 66 2.6500 2.4255 2.7750 2.6500 2.3670 2.0790 2.367024 2.0820 1.9887 2.7750 2.0820 2.0800 2.0790 2.0800 67 2.6500 2.4255 2.7750 2.6500 2.3680 2.0790 2.368025 2.1400 2.0265 2.7750 2.1400 2.1100 2.0790 2.1100 68 2.6500 2.4255 2.7750 2.6500 2.3700 2.0790 2.370026 2.1650 2.0412 2.7750 2.1650 2.1170 2.0790 2.1170 69 2.6500 2.4255 2.7750 2.6500 2.3710 2.0790 2.371027 2.1900 2.0559 2.7750 2.1900 2.1230 2.0790 2.1230 70 2.6500 2.4255 2.7750 2.6500 2.3730 2.0790 2.373028 2.2150 2.0706 2.7750 2.2150 2.1300 2.0790 2.1300 71 2.6500 2.4255 2.7750 2.6500 2.3740 2.0790 2.374029 2.2400 2.0853 2.7750 2.2400 2.1360 2.0790 2.1360 72 2.6500 2.4255 2.7750 2.6500 2.3760 2.0790 2.376030 2.2650 2.1000 2.7750 2.2650 2.1430 2.0790 2.1430 73 2.6500 2.4255 2.7750 2.6500 2.3770 2.0790 2.377031 2.2900 2.1147 2.7750 2.2900 2.1490 2.0790 2.1490 74 2.6500 2.4255 2.7750 2.6500 2.3790 2.0790 2.379032 2.3150 2.1294 2.7750 2.3150 2.1560 2.0790 2.1560 75 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380033 2.3400 2.1441 2.7750 2.3400 2.1620 2.0790 2.1620 76 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380034 2.3650 2.1588 2.7750 2.3650 2.1690 2.0790 2.1690 77 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380035 2.3900 2.1735 2.7750 2.3900 2.1750 2.0790 2.1750 78 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380036 2.4030 2.1861 2.7750 2.4030 2.1840 2.0790 2.1840 79 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380037 2.4160 2.1987 2.7750 2.4160 2.1930 2.0790 2.1930 80 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380038 2.4290 2.2113 2.7750 2.4290 2.2010 2.0790 2.2010 81 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380039 2.4420 2.2239 2.7750 2.4420 2.2100 2.0790 2.2100 82 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380040 2.4550 2.2365 2.7750 2.4550 2.2190 2.0790 2.2190 83 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380041 2.4680 2.2491 2.7750 2.4680 2.2280 2.0790 2.2280 84 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380042 2.4810 2.2617 2.7750 2.4810 2.2360 2.0790 2.2360 85 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380043 2.4940 2.2743 2.7750 2.4940 2.2450 2.0790 2.2450 86 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380044 2.5070 2.2869 2.7750 2.5070 2.2540 2.0790 2.2540 87 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380045 2.5200 2.2995 2.7750 2.5200 2.2630 2.0790 2.2630 88 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380046 2.5330 2.3121 2.7750 2.5330 2.2710 2.0790 2.2710 89 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380047 2.5460 2.3247 2.7750 2.5460 2.2800 2.0790 2.2800 90 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380048 2.5590 2.3373 2.7750 2.5590 2.2890 2.0790 2.2890 91 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380049 2.5720 2.3499 2.7750 2.5720 2.2980 2.0790 2.2980 92 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380050 2.5850 2.3625 2.7750 2.5850 2.3060 2.0790 2.3060 93 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380051 2.5980 2.3751 2.7750 2.5980 2.3150 2.0790 2.3150 94 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380052 2.6110 2.3877 2.7750 2.6110 2.3240 2.0790 2.3240 95 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380053 2.6240 2.4003 2.7750 2.6240 2.3330 2.0790 2.3330 96 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380054 2.6370 2.4129 2.7750 2.6370 2.3410 2.0790 2.3410 97 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380055 2.6500 2.4255 2.7750 2.6500 2.3500 2.0790 2.3500 98 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380056 2.6500 2.4255 2.7750 2.6500 2.3520 2.0790 2.3520 99 2.6500 2.4255 2.7750 2.6500 2.3800 2.0790 2.380057 2.6500 2.4255 2.7750 2.6500 2.3530 2.0790 2.3530
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-45
DRIVER RATING FACTORS
5 Points 5 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 58 3.0500 2.7615 3.1750 3.0500 2.6780 2.4790 2.678016 1.8800 2.0160 3.1750 1.8800 2.1400 2.4790 2.1400 59 3.0500 2.7615 3.1750 3.0500 2.6800 2.4790 2.680017 1.9330 2.0244 3.1750 1.9330 2.1650 2.4790 2.1650 60 3.0500 2.7615 3.1750 3.0500 2.6830 2.4790 2.683018 1.9850 2.0318 3.1750 1.9850 2.1900 2.4790 2.1900 61 3.0500 2.7615 3.1750 3.0500 2.6850 2.4790 2.685019 2.0380 2.0402 3.1750 2.0380 2.2150 2.4790 2.2150 62 3.0500 2.7615 3.1750 3.0500 2.6880 2.4790 2.688020 2.0900 2.0475 3.1750 2.0900 2.2400 2.4790 2.2400 63 3.0500 2.7615 3.1750 3.0500 2.6900 2.4790 2.690021 2.1560 2.0937 3.1750 2.1560 2.2700 2.4790 2.2700 64 3.0500 2.7615 3.1750 3.0500 2.6930 2.4790 2.693022 2.2220 2.1399 3.1750 2.2220 2.3000 2.4790 2.3000 65 3.0500 2.7615 3.1750 3.0500 2.6950 2.4790 2.695023 2.2880 2.1861 3.1750 2.2880 2.3300 2.4790 2.3300 66 3.0500 2.7615 3.1750 3.0500 2.6980 2.4790 2.698024 2.3540 2.2323 3.1750 2.3540 2.3600 2.4790 2.3600 67 3.0500 2.7615 3.1750 3.0500 2.7000 2.4790 2.700025 2.4200 2.2785 3.1750 2.4200 2.3900 2.4790 2.3900 68 3.0500 2.7615 3.1750 3.0500 2.7030 2.4790 2.703026 2.4530 2.2974 3.1750 2.4530 2.3990 2.4790 2.3990 69 3.0500 2.7615 3.1750 3.0500 2.7050 2.4790 2.705027 2.4860 2.3163 3.1750 2.4860 2.4070 2.4790 2.4070 70 3.0500 2.7615 3.1750 3.0500 2.7080 2.4790 2.708028 2.5190 2.3352 3.1750 2.5190 2.4160 2.4790 2.4160 71 3.0500 2.7615 3.1750 3.0500 2.7100 2.4790 2.710029 2.5520 2.3541 3.1750 2.5520 2.4240 2.4790 2.4240 72 3.0500 2.7615 3.1750 3.0500 2.7130 2.4790 2.713030 2.5850 2.3730 3.1750 2.5850 2.4330 2.4790 2.4330 73 3.0500 2.7615 3.1750 3.0500 2.7150 2.4790 2.715031 2.6180 2.3919 3.1750 2.6180 2.4410 2.4790 2.4410 74 3.0500 2.7615 3.1750 3.0500 2.7180 2.4790 2.718032 2.6510 2.4108 3.1750 2.6510 2.4500 2.4790 2.4500 75 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720033 2.6840 2.4297 3.1750 2.6840 2.4580 2.4790 2.4580 76 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720034 2.7170 2.4486 3.1750 2.7170 2.4670 2.4790 2.4670 77 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720035 2.7500 2.4675 3.1750 2.7500 2.4750 2.4790 2.4750 78 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720036 2.7650 2.4822 3.1750 2.7650 2.4850 2.4790 2.4850 79 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720037 2.7800 2.4969 3.1750 2.7800 2.4950 2.4790 2.4950 80 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720038 2.7950 2.5116 3.1750 2.7950 2.5040 2.4790 2.5040 81 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720039 2.8100 2.5263 3.1750 2.8100 2.5140 2.4790 2.5140 82 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720040 2.8250 2.5410 3.1750 2.8250 2.5240 2.4790 2.5240 83 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720041 2.8400 2.5557 3.1750 2.8400 2.5340 2.4790 2.5340 84 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720042 2.8550 2.5704 3.1750 2.8550 2.5430 2.4790 2.5430 85 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720043 2.8700 2.5851 3.1750 2.8700 2.5530 2.4790 2.5530 86 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720044 2.8850 2.5998 3.1750 2.8850 2.5630 2.4790 2.5630 87 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720045 2.9000 2.6145 3.1750 2.9000 2.5730 2.4790 2.5730 88 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720046 2.9150 2.6292 3.1750 2.9150 2.5820 2.4790 2.5820 89 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720047 2.9300 2.6439 3.1750 2.9300 2.5920 2.4790 2.5920 90 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720048 2.9450 2.6586 3.1750 2.9450 2.6020 2.4790 2.6020 91 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720049 2.9600 2.6733 3.1750 2.9600 2.6120 2.4790 2.6120 92 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720050 2.9750 2.6880 3.1750 2.9750 2.6210 2.4790 2.6210 93 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720051 2.9900 2.7027 3.1750 2.9900 2.6310 2.4790 2.6310 94 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720052 3.0050 2.7174 3.1750 3.0050 2.6410 2.4790 2.6410 95 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720053 3.0200 2.7321 3.1750 3.0200 2.6510 2.4790 2.6510 96 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720054 3.0350 2.7468 3.1750 3.0350 2.6600 2.4790 2.6600 97 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720055 3.0500 2.7615 3.1750 3.0500 2.6700 2.4790 2.6700 98 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720056 3.0500 2.7615 3.1750 3.0500 2.6730 2.4790 2.6730 99 3.0500 2.7615 3.1750 3.0500 2.7200 2.4790 2.720057 3.0500 2.7615 3.1750 3.0500 2.6750 2.4790 2.6750
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-46 Oregon March 2019
DRIVER RATING FACTORS
6 Points 6 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 58 3.4500 3.0975 3.5750 3.4500 3.0010 2.6270 3.001016 2.0800 2.2260 3.5750 2.0800 2.4000 2.6270 2.4000 59 3.4500 3.0975 3.5750 3.4500 3.0040 2.6270 3.004017 2.1430 2.2344 3.5750 2.1430 2.4300 2.6270 2.4300 60 3.4500 3.0975 3.5750 3.4500 3.0080 2.6270 3.008018 2.2050 2.2418 3.5750 2.2050 2.4600 2.6270 2.4600 61 3.4500 3.0975 3.5750 3.4500 3.0110 2.6270 3.011019 2.2680 2.2502 3.5750 2.2680 2.4900 2.6270 2.4900 62 3.4500 3.0975 3.5750 3.4500 3.0150 2.6270 3.015020 2.3300 2.2575 3.5750 2.3300 2.5200 2.6270 2.5200 63 3.4500 3.0975 3.5750 3.4500 3.0180 2.6270 3.018021 2.4040 2.3121 3.5750 2.4040 2.5500 2.6270 2.5500 64 3.4500 3.0975 3.5750 3.4500 3.0220 2.6270 3.022022 2.4780 2.3667 3.5750 2.4780 2.5800 2.6270 2.5800 65 3.4500 3.0975 3.5750 3.4500 3.0250 2.6270 3.025023 2.5520 2.4213 3.5750 2.5520 2.6100 2.6270 2.6100 66 3.4500 3.0975 3.5750 3.4500 3.0290 2.6270 3.029024 2.6260 2.4759 3.5750 2.6260 2.6400 2.6270 2.6400 67 3.4500 3.0975 3.5750 3.4500 3.0320 2.6270 3.032025 2.7000 2.5305 3.5750 2.7000 2.6700 2.6270 2.6700 68 3.4500 3.0975 3.5750 3.4500 3.0360 2.6270 3.036026 2.7410 2.5536 3.5750 2.7410 2.6810 2.6270 2.6810 69 3.4500 3.0975 3.5750 3.4500 3.0390 2.6270 3.039027 2.7820 2.5767 3.5750 2.7820 2.6910 2.6270 2.6910 70 3.4500 3.0975 3.5750 3.4500 3.0430 2.6270 3.043028 2.8230 2.5998 3.5750 2.8230 2.7020 2.6270 2.7020 71 3.4500 3.0975 3.5750 3.4500 3.0460 2.6270 3.046029 2.8640 2.6229 3.5750 2.8640 2.7120 2.6270 2.7120 72 3.4500 3.0975 3.5750 3.4500 3.0500 2.6270 3.050030 2.9050 2.6460 3.5750 2.9050 2.7230 2.6270 2.7230 73 3.4500 3.0975 3.5750 3.4500 3.0530 2.6270 3.053031 2.9460 2.6691 3.5750 2.9460 2.7330 2.6270 2.7330 74 3.4500 3.0975 3.5750 3.4500 3.0570 2.6270 3.057032 2.9870 2.6922 3.5750 2.9870 2.7440 2.6270 2.7440 75 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060033 3.0280 2.7153 3.5750 3.0280 2.7540 2.6270 2.7540 76 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060034 3.0690 2.7384 3.5750 3.0690 2.7650 2.6270 2.7650 77 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060035 3.1100 2.7615 3.5750 3.1100 2.7750 2.6270 2.7750 78 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060036 3.1270 2.7783 3.5750 3.1270 2.7860 2.6270 2.7860 79 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060037 3.1440 2.7951 3.5750 3.1440 2.7970 2.6270 2.7970 80 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060038 3.1610 2.8119 3.5750 3.1610 2.8070 2.6270 2.8070 81 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060039 3.1780 2.8287 3.5750 3.1780 2.8180 2.6270 2.8180 82 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060040 3.1950 2.8455 3.5750 3.1950 2.8290 2.6270 2.8290 83 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060041 3.2120 2.8623 3.5750 3.2120 2.8400 2.6270 2.8400 84 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060042 3.2290 2.8791 3.5750 3.2290 2.8500 2.6270 2.8500 85 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060043 3.2460 2.8959 3.5750 3.2460 2.8610 2.6270 2.8610 86 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060044 3.2630 2.9127 3.5750 3.2630 2.8720 2.6270 2.8720 87 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060045 3.2800 2.9295 3.5750 3.2800 2.8830 2.6270 2.8830 88 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060046 3.2970 2.9463 3.5750 3.2970 2.8930 2.6270 2.8930 89 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060047 3.3140 2.9631 3.5750 3.3140 2.9040 2.6270 2.9040 90 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060048 3.3310 2.9799 3.5750 3.3310 2.9150 2.6270 2.9150 91 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060049 3.3480 2.9967 3.5750 3.3480 2.9260 2.6270 2.9260 92 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060050 3.3650 3.0135 3.5750 3.3650 2.9360 2.6270 2.9360 93 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060051 3.3820 3.0303 3.5750 3.3820 2.9470 2.6270 2.9470 94 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060052 3.3990 3.0471 3.5750 3.3990 2.9580 2.6270 2.9580 95 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060053 3.4160 3.0639 3.5750 3.4160 2.9690 2.6270 2.9690 96 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060054 3.4330 3.0807 3.5750 3.4330 2.9790 2.6270 2.9790 97 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060055 3.4500 3.0975 3.5750 3.4500 2.9900 2.6270 2.9900 98 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060056 3.4500 3.0975 3.5750 3.4500 2.9940 2.6270 2.9940 99 3.4500 3.0975 3.5750 3.4500 3.0600 2.6270 3.060057 3.4500 3.0975 3.5750 3.4500 2.9970 2.6270 2.9970
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-47
DRIVER RATING FACTORS
7 Points 7 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 58 3.8500 3.4335 3.9750 3.8500 3.3240 2.7750 3.324016 2.2800 2.4360 3.9750 2.2800 2.6600 2.7750 2.6600 59 3.8500 3.4335 3.9750 3.8500 3.3280 2.7750 3.328017 2.3530 2.4444 3.9750 2.3530 2.6950 2.7750 2.6950 60 3.8500 3.4335 3.9750 3.8500 3.3330 2.7750 3.333018 2.4250 2.4518 3.9750 2.4250 2.7300 2.7750 2.7300 61 3.8500 3.4335 3.9750 3.8500 3.3370 2.7750 3.337019 2.4980 2.4602 3.9750 2.4980 2.7650 2.7750 2.7650 62 3.8500 3.4335 3.9750 3.8500 3.3420 2.7750 3.342020 2.5700 2.4675 3.9750 2.5700 2.8000 2.7750 2.8000 63 3.8500 3.4335 3.9750 3.8500 3.3460 2.7750 3.346021 2.6520 2.5305 3.9750 2.6520 2.8300 2.7750 2.8300 64 3.8500 3.4335 3.9750 3.8500 3.3510 2.7750 3.351022 2.7340 2.5935 3.9750 2.7340 2.8600 2.7750 2.8600 65 3.8500 3.4335 3.9750 3.8500 3.3550 2.7750 3.355023 2.8160 2.6565 3.9750 2.8160 2.8900 2.7750 2.8900 66 3.8500 3.4335 3.9750 3.8500 3.3600 2.7750 3.360024 2.8980 2.7195 3.9750 2.8980 2.9200 2.7750 2.9200 67 3.8500 3.4335 3.9750 3.8500 3.3640 2.7750 3.364025 2.9800 2.7825 3.9750 2.9800 2.9500 2.7750 2.9500 68 3.8500 3.4335 3.9750 3.8500 3.3690 2.7750 3.369026 3.0290 2.8098 3.9750 3.0290 2.9630 2.7750 2.9630 69 3.8500 3.4335 3.9750 3.8500 3.3730 2.7750 3.373027 3.0780 2.8371 3.9750 3.0780 2.9750 2.7750 2.9750 70 3.8500 3.4335 3.9750 3.8500 3.3780 2.7750 3.378028 3.1270 2.8644 3.9750 3.1270 2.9880 2.7750 2.9880 71 3.8500 3.4335 3.9750 3.8500 3.3820 2.7750 3.382029 3.1760 2.8917 3.9750 3.1760 3.0000 2.7750 3.0000 72 3.8500 3.4335 3.9750 3.8500 3.3870 2.7750 3.387030 3.2250 2.9190 3.9750 3.2250 3.0130 2.7750 3.0130 73 3.8500 3.4335 3.9750 3.8500 3.3910 2.7750 3.391031 3.2740 2.9463 3.9750 3.2740 3.0250 2.7750 3.0250 74 3.8500 3.4335 3.9750 3.8500 3.3960 2.7750 3.396032 3.3230 2.9736 3.9750 3.3230 3.0380 2.7750 3.0380 75 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400033 3.3720 3.0009 3.9750 3.3720 3.0500 2.7750 3.0500 76 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400034 3.4210 3.0282 3.9750 3.4210 3.0630 2.7750 3.0630 77 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400035 3.4700 3.0555 3.9750 3.4700 3.0750 2.7750 3.0750 78 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400036 3.4890 3.0744 3.9750 3.4890 3.0870 2.7750 3.0870 79 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400037 3.5080 3.0933 3.9750 3.5080 3.0990 2.7750 3.0990 80 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400038 3.5270 3.1122 3.9750 3.5270 3.1100 2.7750 3.1100 81 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400039 3.5460 3.1311 3.9750 3.5460 3.1220 2.7750 3.1220 82 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400040 3.5650 3.1500 3.9750 3.5650 3.1340 2.7750 3.1340 83 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400041 3.5840 3.1689 3.9750 3.5840 3.1460 2.7750 3.1460 84 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400042 3.6030 3.1878 3.9750 3.6030 3.1570 2.7750 3.1570 85 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400043 3.6220 3.2067 3.9750 3.6220 3.1690 2.7750 3.1690 86 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400044 3.6410 3.2256 3.9750 3.6410 3.1810 2.7750 3.1810 87 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400045 3.6600 3.2445 3.9750 3.6600 3.1930 2.7750 3.1930 88 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400046 3.6790 3.2634 3.9750 3.6790 3.2040 2.7750 3.2040 89 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400047 3.6980 3.2823 3.9750 3.6980 3.2160 2.7750 3.2160 90 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400048 3.7170 3.3012 3.9750 3.7170 3.2280 2.7750 3.2280 91 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400049 3.7360 3.3201 3.9750 3.7360 3.2400 2.7750 3.2400 92 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400050 3.7550 3.3390 3.9750 3.7550 3.2510 2.7750 3.2510 93 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400051 3.7740 3.3579 3.9750 3.7740 3.2630 2.7750 3.2630 94 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400052 3.7930 3.3768 3.9750 3.7930 3.2750 2.7750 3.2750 95 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400053 3.8120 3.3957 3.9750 3.8120 3.2870 2.7750 3.2870 96 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400054 3.8310 3.4146 3.9750 3.8310 3.2980 2.7750 3.2980 97 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400055 3.8500 3.4335 3.9750 3.8500 3.3100 2.7750 3.3100 98 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400056 3.8500 3.4335 3.9750 3.8500 3.3150 2.7750 3.3150 99 3.8500 3.4335 3.9750 3.8500 3.4000 2.7750 3.400057 3.8500 3.4335 3.9750 3.8500 3.3190 2.7750 3.3190
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-48 Oregon March 2019
DRIVER RATING FACTORS
8 Points 8 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 58 4.2964 3.8059 4.4198 4.2964 3.6818 2.9313 3.681816 2.4992 2.6658 4.4198 2.4992 2.9482 2.9313 2.9482 59 4.2964 3.8059 4.4198 4.2964 3.6869 2.9313 3.686917 2.5836 2.6741 4.4198 2.5836 2.9889 2.9313 2.9889 60 4.2964 3.8059 4.4198 4.2964 3.6931 2.9313 3.693118 2.6670 2.6815 4.4198 2.6670 3.0296 2.9313 3.0296 61 4.2964 3.8059 4.4198 4.2964 3.6983 2.9313 3.698319 2.7513 2.6898 4.4198 2.7513 3.0704 2.9313 3.0704 62 4.2964 3.8059 4.4198 4.2964 3.7045 2.9313 3.704520 2.8347 2.6970 4.4198 2.8347 3.1111 2.9313 3.1111 63 4.2964 3.8059 4.4198 4.2964 3.7096 2.9313 3.709621 2.9256 2.7695 4.4198 2.9256 3.1407 2.9313 3.1407 64 4.2964 3.8059 4.4198 4.2964 3.7158 2.9313 3.715822 3.0164 2.8420 4.4198 3.0164 3.1704 2.9313 3.1704 65 4.2964 3.8059 4.4198 4.2964 3.7210 2.9313 3.721023 3.1073 2.9145 4.4198 3.1073 3.2000 2.9313 3.2000 66 4.2964 3.8059 4.4198 4.2964 3.7272 2.9313 3.727224 3.1982 2.9871 4.4198 3.1982 3.2297 2.9313 3.2297 67 4.2964 3.8059 4.4198 4.2964 3.7324 2.9313 3.732425 3.2890 3.0596 4.4198 3.2890 3.2594 2.9313 3.2594 68 4.2964 3.8059 4.4198 4.2964 3.7385 2.9313 3.738526 3.3473 3.0917 4.4198 3.3473 3.2747 2.9313 3.2747 69 4.2964 3.8059 4.4198 4.2964 3.7437 2.9313 3.743727 3.4055 3.1238 4.4198 3.4055 3.2890 2.9313 3.2890 70 4.2964 3.8059 4.4198 4.2964 3.7499 2.9313 3.749928 3.4637 3.1559 4.4198 3.4637 3.3043 2.9313 3.3043 71 4.2964 3.8059 4.4198 4.2964 3.7551 2.9313 3.755129 3.5220 3.1880 4.4198 3.5220 3.3186 2.9313 3.3186 72 4.2964 3.8059 4.4198 4.2964 3.7612 2.9313 3.761230 3.5802 3.2202 4.4198 3.5802 3.3339 2.9313 3.3339 73 4.2964 3.8059 4.4198 4.2964 3.7664 2.9313 3.766431 3.6385 3.2523 4.4198 3.6385 3.3482 2.9313 3.3482 74 4.2964 3.8059 4.4198 4.2964 3.7726 2.9313 3.772632 3.6968 3.2844 4.4198 3.6968 3.3635 2.9313 3.3635 75 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777833 3.7551 3.3165 4.4198 3.7551 3.3778 2.9313 3.3778 76 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777834 3.8134 3.3487 4.4198 3.8134 3.3931 2.9313 3.3931 77 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777835 3.8717 3.3808 4.4198 3.8717 3.4074 2.9313 3.4074 78 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777836 3.8929 3.4021 4.4198 3.8929 3.4205 2.9313 3.4205 79 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777837 3.9141 3.4233 4.4198 3.9141 3.4336 2.9313 3.4336 80 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777838 3.9354 3.4446 4.4198 3.9354 3.4457 2.9313 3.4457 81 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777839 3.9566 3.4658 4.4198 3.9566 3.4588 2.9313 3.4588 82 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777840 3.9778 3.4871 4.4198 3.9778 3.4719 2.9313 3.4719 83 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777841 3.9991 3.5083 4.4198 3.9991 3.4850 2.9313 3.4850 84 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777842 4.0203 3.5296 4.4198 4.0203 3.4971 2.9313 3.4971 85 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777843 4.0416 3.5509 4.4198 4.0416 3.5102 2.9313 3.5102 86 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777844 4.0628 3.5721 4.4198 4.0628 3.5232 2.9313 3.5232 87 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777845 4.0840 3.5934 4.4198 4.0840 3.5363 2.9313 3.5363 88 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777846 4.1053 3.6146 4.4198 4.1053 3.5484 2.9313 3.5484 89 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777847 4.1265 3.6359 4.4198 4.1265 3.5615 2.9313 3.5615 90 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777848 4.1477 3.6571 4.4198 4.1477 3.5746 2.9313 3.5746 91 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777849 4.1690 3.6784 4.4198 4.1690 3.5877 2.9313 3.5877 92 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777850 4.1902 3.6997 4.4198 4.1902 3.5998 2.9313 3.5998 93 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777851 4.2114 3.7209 4.4198 4.2114 3.6129 2.9313 3.6129 94 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777852 4.2327 3.7422 4.4198 4.2327 3.6260 2.9313 3.6260 95 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777853 4.2539 3.7634 4.4198 4.2539 3.6391 2.9313 3.6391 96 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777854 4.2751 3.7847 4.4198 4.2751 3.6512 2.9313 3.6512 97 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777855 4.2964 3.8059 4.4198 4.2964 3.6642 2.9313 3.6642 98 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777856 4.2964 3.8059 4.4198 4.2964 3.6704 2.9313 3.6704 99 4.2964 3.8059 4.4198 4.2964 3.7778 2.9313 3.777857 4.2964 3.8059 4.4198 4.2964 3.6756 2.9313 3.6756
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-49
DRIVER RATING FACTORS
9 Points 9 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 58 4.7946 4.2187 4.9144 4.7946 4.0781 3.0964 4.078116 2.7395 2.9173 4.9144 2.7395 3.2676 3.0964 3.2676 59 4.7946 4.2187 4.9144 4.7946 4.0845 3.0964 4.084517 2.8368 2.9254 4.9144 2.8368 3.3149 3.0964 3.3149 60 4.7946 4.2187 4.9144 4.7946 4.0921 3.0964 4.092118 2.9332 2.9327 4.9144 2.9332 3.3621 3.0964 3.3621 61 4.7946 4.2187 4.9144 4.7946 4.0987 3.0964 4.098719 3.0303 2.9408 4.9144 3.0303 3.4095 3.0964 3.4095 62 4.7946 4.2187 4.9144 4.7946 4.1063 3.0964 4.106320 3.1267 2.9478 4.9144 3.1267 3.4568 3.0964 3.4568 63 4.7946 4.2187 4.9144 4.7946 4.1127 3.0964 4.112721 3.2274 3.0311 4.9144 3.2274 3.4855 3.0964 3.4855 64 4.7946 4.2187 4.9144 4.7946 4.1203 3.0964 4.120322 3.3280 3.1143 4.9144 3.3280 3.5145 3.0964 3.5145 65 4.7946 4.2187 4.9144 4.7946 4.1269 3.0964 4.126923 3.4287 3.1976 4.9144 3.4287 3.5433 3.0964 3.5433 66 4.7946 4.2187 4.9144 4.7946 4.1345 3.0964 4.134524 3.5295 3.2810 4.9144 3.5295 3.5722 3.0964 3.5722 67 4.7946 4.2187 4.9144 4.7946 4.1411 3.0964 4.141125 3.6300 3.3643 4.9144 3.6300 3.6013 3.0964 3.6013 68 4.7946 4.2187 4.9144 4.7946 4.1485 3.0964 4.148526 3.6990 3.4019 4.9144 3.6990 3.6192 3.0964 3.6192 69 4.7946 4.2187 4.9144 4.7946 4.1551 3.0964 4.155127 3.7678 3.4395 4.9144 3.7678 3.6361 3.0964 3.6361 70 4.7946 4.2187 4.9144 4.7946 4.1627 3.0964 4.162728 3.8367 3.4771 4.9144 3.8367 3.6541 3.0964 3.6541 71 4.7946 4.2187 4.9144 4.7946 4.1694 3.0964 4.169429 3.9057 3.5147 4.9144 3.9057 3.6710 3.0964 3.6710 72 4.7946 4.2187 4.9144 4.7946 4.1767 3.0964 4.176730 3.9745 3.5525 4.9144 3.9745 3.6890 3.0964 3.6890 73 4.7946 4.2187 4.9144 4.7946 4.1834 3.0964 4.183431 4.0436 3.5901 4.9144 4.0436 3.7059 3.0964 3.7059 74 4.7946 4.2187 4.9144 4.7946 4.1910 3.0964 4.191032 4.1126 3.6277 4.9144 4.1126 3.7239 3.0964 3.7239 75 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197633 4.1817 3.6653 4.9144 4.1817 3.7408 3.0964 3.7408 76 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197634 4.2508 3.7031 4.9144 4.2508 3.7588 3.0964 3.7588 77 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197635 4.3199 3.7407 4.9144 4.3199 3.7757 3.0964 3.7757 78 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197636 4.3436 3.7647 4.9144 4.3436 3.7900 3.0964 3.7900 79 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197637 4.3672 3.7885 4.9144 4.3672 3.8043 3.0964 3.8043 80 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197638 4.3911 3.8125 4.9144 4.3911 3.8176 3.0964 3.8176 81 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197639 4.4147 3.8363 4.9144 4.4147 3.8319 3.0964 3.8319 82 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197640 4.4384 3.8603 4.9144 4.4384 3.8462 3.0964 3.8462 83 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197641 4.4623 3.8841 4.9144 4.4623 3.8605 3.0964 3.8605 84 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197642 4.4859 3.9080 4.9144 4.4859 3.8738 3.0964 3.8738 85 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197643 4.5098 3.9320 4.9144 4.5098 3.8881 3.0964 3.8881 86 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197644 4.5335 3.9558 4.9144 4.5335 3.9022 3.0964 3.9022 87 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197645 4.5571 3.9798 4.9144 4.5571 3.9165 3.0964 3.9165 88 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197646 4.5810 4.0036 4.9144 4.5810 3.9298 3.0964 3.9298 89 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197647 4.6047 4.0276 4.9144 4.6047 3.9441 3.0964 3.9441 90 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197648 4.6283 4.0514 4.9144 4.6283 3.9584 3.0964 3.9584 91 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197649 4.6522 4.0754 4.9144 4.6522 3.9727 3.0964 3.9727 92 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197650 4.6758 4.0994 4.9144 4.6758 3.9860 3.0964 3.9860 93 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197651 4.6995 4.1231 4.9144 4.6995 4.0003 3.0964 4.0003 94 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197652 4.7234 4.1471 4.9144 4.7234 4.0146 3.0964 4.0146 95 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197653 4.7470 4.1709 4.9144 4.7470 4.0289 3.0964 4.0289 96 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197654 4.7707 4.1949 4.9144 4.7707 4.0422 3.0964 4.0422 97 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197655 4.7946 4.2187 4.9144 4.7946 4.0563 3.0964 4.0563 98 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197656 4.7946 4.2187 4.9144 4.7946 4.0639 3.0964 4.0639 99 4.7946 4.2187 4.9144 4.7946 4.1976 3.0964 4.197657 4.7946 4.2187 4.9144 4.7946 4.0705 3.0964 4.0705
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-50 Oregon March 2019
DRIVER RATING FACTORS
10 Points 10 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 58 5.3506 4.6763 5.4643 5.3506 4.5171 3.2708 4.517116 3.0029 3.1925 5.4643 3.0029 3.6216 3.2708 3.6216 59 5.3506 4.6763 5.4643 5.3506 4.5250 3.2708 4.525017 3.1148 3.2003 5.4643 3.1148 3.6765 3.2708 3.6765 60 5.3506 4.6763 5.4643 5.3506 4.5342 3.2708 4.534218 3.2260 3.2074 5.4643 3.2260 3.7311 3.2708 3.7311 61 5.3506 4.6763 5.4643 5.3506 4.5424 3.2708 4.542419 3.3376 3.2152 5.4643 3.3376 3.7861 3.2708 3.7861 62 5.3506 4.6763 5.4643 5.3506 4.5517 3.2708 4.551720 3.4488 3.2219 5.4643 3.4488 3.8409 3.2708 3.8409 63 5.3506 4.6763 5.4643 5.3506 4.5596 3.2708 4.559621 3.5603 3.3174 5.4643 3.5603 3.8682 3.2708 3.8682 64 5.3506 4.6763 5.4643 5.3506 4.5688 3.2708 4.568822 3.6718 3.4127 5.4643 3.6718 3.8959 3.2708 3.8959 65 5.3506 4.6763 5.4643 5.3506 4.5771 3.2708 4.577123 3.7833 3.5082 5.4643 3.7833 3.9234 3.2708 3.9234 66 5.3506 4.6763 5.4643 5.3506 4.5863 3.2708 4.586324 3.8951 3.6038 5.4643 3.8951 3.9510 3.2708 3.9510 67 5.3506 4.6763 5.4643 5.3506 4.5946 3.2708 4.594625 4.0064 3.6993 5.4643 4.0064 3.9791 3.2708 3.9791 68 5.3506 4.6763 5.4643 5.3506 4.6035 3.2708 4.603526 4.0877 3.7432 5.4643 4.0877 3.9999 3.2708 3.9999 69 5.3506 4.6763 5.4643 5.3506 4.6117 3.2708 4.611727 4.1686 3.7871 5.4643 4.1686 4.0198 3.2708 4.0198 70 5.3506 4.6763 5.4643 5.3506 4.6209 3.2708 4.620928 4.2499 3.8310 5.4643 4.2499 4.0409 3.2708 4.0409 71 5.3506 4.6763 5.4643 5.3506 4.6294 3.2708 4.629429 4.3312 3.8749 5.4643 4.3312 4.0608 3.2708 4.0608 72 5.3506 4.6763 5.4643 5.3506 4.6381 3.2708 4.638130 4.4122 3.9191 5.4643 4.4122 4.0819 3.2708 4.0819 73 5.3506 4.6763 5.4643 5.3506 4.6466 3.2708 4.646631 4.4938 3.9630 5.4643 4.4938 4.1018 3.2708 4.1018 74 5.3506 4.6763 5.4643 5.3506 4.6558 3.2708 4.655832 4.5752 4.0069 5.4643 4.5752 4.1229 3.2708 4.1229 75 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664033 4.6568 4.0508 5.4643 4.6568 4.1428 3.2708 4.1428 76 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664034 4.7384 4.0950 5.4643 4.7384 4.1639 3.2708 4.1639 77 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664035 4.8200 4.1389 5.4643 4.8200 4.1838 3.2708 4.1838 78 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664036 4.8465 4.1659 5.4643 4.8465 4.1994 3.2708 4.1994 79 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664037 4.8728 4.1927 5.4643 4.8728 4.2150 3.2708 4.2150 80 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664038 4.8996 4.2197 5.4643 4.8996 4.2296 3.2708 4.2296 81 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664039 4.9258 4.2464 5.4643 4.9258 4.2452 3.2708 4.2452 82 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664040 4.9523 4.2734 5.4643 4.9523 4.2609 3.2708 4.2609 83 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664041 4.9792 4.3002 5.4643 4.9792 4.2765 3.2708 4.2765 84 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664042 5.0054 4.3270 5.4643 5.0054 4.2911 3.2708 4.2911 85 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664043 5.0322 4.3540 5.4643 5.0322 4.3067 3.2708 4.3067 86 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664044 5.0587 4.3807 5.4643 5.0587 4.3220 3.2708 4.3220 87 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664045 5.0850 4.4077 5.4643 5.0850 4.3376 3.2708 4.3376 88 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664046 5.1118 4.4345 5.4643 5.1118 4.3522 3.2708 4.3522 89 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664047 5.1383 4.4615 5.4643 5.1383 4.3678 3.2708 4.3678 90 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664048 5.1646 4.4882 5.4643 5.1646 4.3834 3.2708 4.3834 91 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664049 5.1914 4.5152 5.4643 5.1914 4.3990 3.2708 4.3990 92 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664050 5.2177 4.5423 5.4643 5.2177 4.4136 3.2708 4.4136 93 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664051 5.2442 4.5688 5.4643 5.2442 4.4292 3.2708 4.4292 94 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664052 5.2710 4.5958 5.4643 5.2710 4.4448 3.2708 4.4448 95 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664053 5.2973 4.6225 5.4643 5.2973 4.4605 3.2708 4.4605 96 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664054 5.3238 4.6496 5.4643 5.3238 4.4751 3.2708 4.4751 97 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664055 5.3506 4.6763 5.4643 5.3506 4.4904 3.2708 4.4904 98 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664056 5.3506 4.6763 5.4643 5.3506 4.4996 3.2708 4.4996 99 5.3506 4.6763 5.4643 5.3506 4.6640 3.2708 4.664057 5.3506 4.6763 5.4643 5.3506 4.5078 3.2708 4.5078
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-51
DRIVER RATING FACTORS
11 Points 11 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 58 5.9711 5.1835 6.0757 5.9711 5.0034 3.4550 5.003416 3.2916 3.4937 6.0757 3.2916 4.0140 3.4550 4.0140 59 5.9711 5.1835 6.0757 5.9711 5.0130 3.4550 5.013017 3.4200 3.5010 6.0757 3.4200 4.0775 3.4550 4.0775 60 5.9711 5.1835 6.0757 5.9711 5.0241 3.4550 5.024118 3.5480 3.5078 6.0757 3.5480 4.1406 3.4550 4.1406 61 5.9711 5.1835 6.0757 5.9711 5.0341 3.4550 5.034119 3.6761 3.5152 6.0757 3.6761 4.2043 3.4550 4.2043 62 5.9711 5.1835 6.0757 5.9711 5.0454 3.4550 5.045420 3.8041 3.5215 6.0757 3.8041 4.2677 3.4550 4.2677 63 5.9711 5.1835 6.0757 5.9711 5.0551 3.4550 5.055121 3.9275 3.6307 6.0757 3.9275 4.2929 3.4550 4.2929 64 5.9711 5.1835 6.0757 5.9711 5.0661 3.4550 5.066122 4.0511 3.7397 6.0757 4.0511 4.3187 3.4550 4.3187 65 5.9711 5.1835 6.0757 5.9711 5.0764 3.4550 5.076423 4.1746 3.8490 6.0757 4.1746 4.3443 3.4550 4.3443 66 5.9711 5.1835 6.0757 5.9711 5.0875 3.4550 5.087524 4.2986 3.9584 6.0757 4.2986 4.3700 3.4550 4.3700 67 5.9711 5.1835 6.0757 5.9711 5.0978 3.4550 5.097825 4.4218 4.0677 6.0757 4.4218 4.3965 3.4550 4.3965 68 5.9711 5.1835 6.0757 5.9711 5.1084 3.4550 5.108426 4.5172 4.1187 6.0757 4.5172 4.4206 3.4550 4.4206 69 5.9711 5.1835 6.0757 5.9711 5.1185 3.4550 5.118527 4.6120 4.1698 6.0757 4.6120 4.4440 3.4550 4.4440 70 5.9711 5.1835 6.0757 5.9711 5.1295 3.4550 5.129528 4.7076 4.2209 6.0757 4.7076 4.4686 3.4550 4.4686 71 5.9711 5.1835 6.0757 5.9711 5.1402 3.4550 5.140229 4.8031 4.2720 6.0757 4.8031 4.4920 3.4550 4.4920 72 5.9711 5.1835 6.0757 5.9711 5.1505 3.4550 5.150530 4.8981 4.3235 6.0757 4.8981 4.5166 3.4550 4.5166 73 5.9711 5.1835 6.0757 5.9711 5.1611 3.4550 5.161131 4.9941 4.3746 6.0757 4.9941 4.5400 3.4550 4.5400 74 5.9711 5.1835 6.0757 5.9711 5.1721 3.4550 5.172132 5.0898 4.4257 6.0757 5.0898 4.5647 3.4550 4.5647 75 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182233 5.1859 4.4768 6.0757 5.1859 4.5880 3.4550 4.5880 76 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182234 5.2819 4.5284 6.0757 5.2819 4.6127 3.4550 4.6127 77 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182235 5.3780 4.5795 6.0757 5.3780 4.6360 3.4550 4.6360 78 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182236 5.4076 4.6099 6.0757 5.4076 4.6530 3.4550 4.6530 79 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182237 5.4369 4.6400 6.0757 5.4369 4.6700 3.4550 4.6700 80 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182238 5.4670 4.6704 6.0757 5.4670 4.6861 3.4550 4.6861 81 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182239 5.4961 4.7003 6.0757 5.4961 4.7031 3.4550 4.7031 82 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182240 5.5257 4.7307 6.0757 5.5257 4.7203 3.4550 4.7203 83 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182241 5.5560 4.7609 6.0757 5.5560 4.7373 3.4550 4.7373 84 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182242 5.5851 4.7909 6.0757 5.5851 4.7534 3.4550 4.7534 85 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182243 5.6151 4.8213 6.0757 5.6151 4.7704 3.4550 4.7704 86 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182244 5.6447 4.8512 6.0757 5.6447 4.7870 3.4550 4.7870 87 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182245 5.6741 4.8816 6.0757 5.6741 4.8040 3.4550 4.8040 88 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182246 5.7041 4.9118 6.0757 5.7041 4.8200 3.4550 4.8200 89 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182247 5.7337 4.9421 6.0757 5.7337 4.8370 3.4550 4.8370 90 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182248 5.7630 4.9721 6.0757 5.7630 4.8540 3.4550 4.8540 91 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182249 5.7931 5.0025 6.0757 5.7931 4.8710 3.4550 4.8710 92 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182250 5.8224 5.0331 6.0757 5.8224 4.8871 3.4550 4.8871 93 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182251 5.8520 5.0627 6.0757 5.8520 4.9041 3.4550 4.9041 94 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182252 5.8821 5.0930 6.0757 5.8821 4.9211 3.4550 4.9211 95 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182253 5.9114 5.1230 6.0757 5.9114 4.9383 3.4550 4.9383 96 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182254 5.9410 5.1536 6.0757 5.9410 4.9544 3.4550 4.9544 97 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182255 5.9711 5.1835 6.0757 5.9711 4.9710 3.4550 4.9710 98 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182256 5.9711 5.1835 6.0757 5.9711 4.9820 3.4550 4.9820 99 5.9711 5.1835 6.0757 5.9711 5.1822 3.4550 5.182257 5.9711 5.1835 6.0757 5.9711 4.9921 3.4550 4.9921
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-52 Oregon March 2019
DRIVER RATING FACTORS
12 Points 12 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 58 6.6636 5.7457 6.7555 6.6636 5.5421 3.6496 5.542116 3.6081 3.8233 6.7555 3.6081 4.4489 3.6496 4.4489 59 6.6636 5.7457 6.7555 6.6636 5.5536 3.6496 5.553617 3.7551 3.8300 6.7555 3.7551 4.5222 3.6496 4.5222 60 6.6636 5.7457 6.7555 6.6636 5.5669 3.6496 5.566918 3.9021 3.8363 6.7555 3.9021 4.5950 3.6496 4.5950 61 6.6636 5.7457 6.7555 6.6636 5.5790 3.6496 5.579019 4.0489 3.8432 6.7555 4.0489 4.6687 3.6496 4.6687 62 6.6636 5.7457 6.7555 6.6636 5.5926 3.6496 5.592620 4.1960 3.8490 6.7555 4.1960 4.7419 3.6496 4.7419 63 6.6636 5.7457 6.7555 6.6636 5.6044 3.6496 5.604421 4.3326 3.9736 6.7555 4.3326 4.7642 3.6496 4.7642 64 6.6636 5.7457 6.7555 6.6636 5.6175 3.6496 5.617522 4.4696 4.0980 6.7555 4.4696 4.7874 3.6496 4.7874 65 6.6636 5.7457 6.7555 6.6636 5.6302 3.6496 5.630223 4.6064 4.2229 6.7555 4.6064 4.8104 3.6496 4.8104 66 6.6636 5.7457 6.7555 6.6636 5.6435 3.6496 5.643524 4.7439 4.3479 6.7555 4.7439 4.8334 3.6496 4.8334 67 6.6636 5.7457 6.7555 6.6636 5.6561 3.6496 5.656125 4.8803 4.4728 6.7555 4.8803 4.8577 3.6496 4.8577 68 6.6636 5.7457 6.7555 6.6636 5.6687 3.6496 5.668726 4.9918 4.5319 6.7555 4.9918 4.8855 3.6496 4.8855 69 6.6636 5.7457 6.7555 6.6636 5.6810 3.6496 5.681027 5.1026 4.5912 6.7555 5.1026 4.9130 3.6496 4.9130 70 6.6636 5.7457 6.7555 6.6636 5.6941 3.6496 5.694128 5.2146 4.6505 6.7555 5.2146 4.9416 3.6496 4.9416 71 6.6636 5.7457 6.7555 6.6636 5.7074 3.6496 5.707429 5.3264 4.7098 6.7555 5.3264 4.9690 3.6496 4.9690 72 6.6636 5.7457 6.7555 6.6636 5.7195 3.6496 5.719530 5.4375 4.7696 6.7555 5.4375 4.9976 3.6496 4.9976 73 6.6636 5.7457 6.7555 6.6636 5.7326 3.6496 5.732631 5.5501 4.8289 6.7555 5.5501 5.0250 3.6496 5.0250 74 6.6636 5.7457 6.7555 6.6636 5.7457 3.6496 5.745732 5.6623 4.8883 6.7555 5.6623 5.0538 3.6496 5.0538 75 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758033 5.7751 4.9476 6.7555 5.7751 5.0810 3.6496 5.0810 76 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758034 5.8877 5.0077 6.7555 5.8877 5.1099 3.6496 5.1099 77 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758035 6.0006 5.0670 6.7555 6.0006 5.1371 3.6496 5.1371 78 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758036 6.0337 5.1012 6.7555 6.0337 5.1556 3.6496 5.1556 79 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758037 6.0663 5.1350 6.7555 6.0663 5.1741 3.6496 5.1741 80 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758038 6.1001 5.1692 6.7555 6.1001 5.1919 3.6496 5.1919 81 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758039 6.1324 5.2027 6.7555 6.1324 5.2104 3.6496 5.2104 82 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758040 6.1655 5.2369 6.7555 6.1655 5.2292 3.6496 5.2292 83 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758041 6.1996 5.2710 6.7555 6.1996 5.2478 3.6496 5.2478 84 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758042 6.2319 5.3045 6.7555 6.2319 5.2655 3.6496 5.2655 85 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758043 6.2655 5.3388 6.7555 6.2655 5.2840 3.6496 5.2840 86 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758044 6.2986 5.3722 6.7555 6.2986 5.3020 3.6496 5.3020 87 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758045 6.3314 5.4065 6.7555 6.3314 5.3205 3.6496 5.3205 88 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758046 6.3650 5.4405 6.7555 6.3650 5.3381 3.6496 5.3381 89 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758047 6.3981 5.4745 6.7555 6.3981 5.3566 3.6496 5.3566 90 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758048 6.4307 5.5082 6.7555 6.4307 5.3751 3.6496 5.3751 91 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758049 6.4645 5.5424 6.7555 6.4645 5.3936 3.6496 5.3936 92 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758050 6.4972 5.5769 6.7555 6.4972 5.4114 3.6496 5.4114 93 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758051 6.5302 5.6100 6.7555 6.5302 5.4299 3.6496 5.4299 94 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758052 6.5640 5.6440 6.7555 6.5640 5.4484 3.6496 5.4484 95 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758053 6.5967 5.6777 6.7555 6.5967 5.4673 3.6496 5.4673 96 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758054 6.6298 5.7122 6.7555 6.6298 5.4850 3.6496 5.4850 97 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758055 6.6636 5.7457 6.7555 6.6636 5.5030 3.6496 5.5030 98 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758056 6.6636 5.7457 6.7555 6.6636 5.5161 3.6496 5.5161 99 6.6636 5.7457 6.7555 6.6636 5.7580 3.6496 5.758057 6.6636 5.7457 6.7555 6.6636 5.5284 3.6496 5.5284
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-53
DRIVER RATING FACTORS
13 Points 13 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 58 7.4364 6.3689 7.5114 7.4364 6.1388 3.8552 6.138816 3.9550 4.1840 7.5114 3.9550 4.9309 3.8552 4.9309 59 7.4364 6.3689 7.5114 7.4364 6.1525 3.8552 6.152517 4.1230 4.1899 7.5114 4.1230 5.0154 3.8552 5.0154 60 7.4364 6.3689 7.5114 7.4364 6.1683 3.8552 6.168318 4.2915 4.1956 7.5114 4.2915 5.0993 3.8552 5.0993 61 7.4364 6.3689 7.5114 7.4364 6.1829 3.8552 6.182919 4.4595 4.2018 7.5114 4.4595 5.1844 3.8552 5.1844 62 7.4364 6.3689 7.5114 7.4364 6.1991 3.8552 6.199120 4.6283 4.2070 7.5114 4.6283 5.2688 3.8552 5.2688 63 7.4364 6.3689 7.5114 7.4364 6.2134 3.8552 6.213421 4.7795 4.3489 7.5114 4.7795 5.2872 3.8552 5.2872 64 7.4364 6.3689 7.5114 7.4364 6.2289 3.8552 6.228922 4.9313 4.4906 7.5114 4.9313 5.3070 3.8552 5.3070 65 7.4364 6.3689 7.5114 7.4364 6.2444 3.8552 6.244423 5.0829 4.6331 7.5114 5.0829 5.3265 3.8552 5.3265 66 7.4364 6.3689 7.5114 7.4364 6.2603 3.8552 6.260324 5.2353 4.7757 7.5114 5.2353 5.3459 3.8552 5.3459 67 7.4364 6.3689 7.5114 7.4364 6.2755 3.8552 6.275525 5.3863 4.9182 7.5114 5.3863 5.3673 3.8552 5.3673 68 7.4364 6.3689 7.5114 7.4364 6.2905 3.8552 6.290526 5.5163 4.9866 7.5114 5.5163 5.3993 3.8552 5.3993 69 7.4364 6.3689 7.5114 7.4364 6.3053 3.8552 6.305327 5.6454 5.0552 7.5114 5.6454 5.4315 3.8552 5.4315 70 7.4364 6.3689 7.5114 7.4364 6.3208 3.8552 6.320828 5.7762 5.1238 7.5114 5.7762 5.4647 3.8552 5.4647 71 7.4364 6.3689 7.5114 7.4364 6.3372 3.8552 6.337229 5.9067 5.1925 7.5114 5.9067 5.4967 3.8552 5.4967 72 7.4364 6.3689 7.5114 7.4364 6.3514 3.8552 6.351430 6.0363 5.2617 7.5114 6.0363 5.5298 3.8552 5.5298 73 7.4364 6.3689 7.5114 7.4364 6.3674 3.8552 6.367431 6.1680 5.3304 7.5114 6.1680 5.5618 3.8552 5.5618 74 7.4364 6.3689 7.5114 7.4364 6.3829 3.8552 6.382932 6.2992 5.3993 7.5114 6.2992 5.5953 3.8552 5.5953 75 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397833 6.4312 5.4679 7.5114 6.4312 5.6270 3.8552 5.6270 76 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397834 6.5630 5.5377 7.5114 6.5630 5.6607 3.8552 5.6607 77 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397835 6.6953 5.6064 7.5114 6.6953 5.6924 3.8552 5.6924 78 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397836 6.7323 5.6449 7.5114 6.7323 5.7125 3.8552 5.7125 79 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397837 6.7686 5.6828 7.5114 6.7686 5.7326 3.8552 5.7326 80 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397838 6.8065 5.7213 7.5114 6.8065 5.7523 3.8552 5.7523 81 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397839 6.8424 5.7588 7.5114 6.8424 5.7724 3.8552 5.7724 82 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397840 6.8794 5.7973 7.5114 6.8794 5.7930 3.8552 5.7930 83 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397841 6.9178 5.8358 7.5114 6.9178 5.8133 3.8552 5.8133 84 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397842 6.9536 5.8732 7.5114 6.9536 5.8328 3.8552 5.8328 85 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397843 6.9912 5.9118 7.5114 6.9912 5.8529 3.8552 5.8529 86 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397844 7.0282 5.9492 7.5114 7.0282 5.8724 3.8552 5.8724 87 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397845 7.0648 5.9878 7.5114 7.0648 5.8925 3.8552 5.8925 88 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397846 7.1025 6.0261 7.5114 7.1025 5.9119 3.8552 5.9119 89 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397847 7.1395 6.0643 7.5114 7.1395 5.9320 3.8552 5.9320 90 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397848 7.1758 6.1021 7.5114 7.1758 5.9521 3.8552 5.9521 91 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397849 7.2137 6.1406 7.5114 7.2137 5.9723 3.8552 5.9723 92 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397850 7.2502 6.1795 7.5114 7.2502 5.9919 3.8552 5.9919 93 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397851 7.2870 6.2165 7.5114 7.2870 6.0121 3.8552 6.0121 94 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397852 7.3250 6.2546 7.5114 7.3250 6.0322 3.8552 6.0322 95 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397853 7.3614 6.2925 7.5114 7.3614 6.0530 3.8552 6.0530 96 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397854 7.3985 6.3313 7.5114 7.3985 6.0724 3.8552 6.0724 97 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397855 7.4364 6.3689 7.5114 7.4364 6.0919 3.8552 6.0919 98 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397856 7.4364 6.3689 7.5114 7.4364 6.1075 3.8552 6.1075 99 7.4364 6.3689 7.5114 7.4364 6.3978 3.8552 6.397857 7.4364 6.3689 7.5114 7.4364 6.1223 3.8552 6.1223
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-54 Oregon March 2019
DRIVER RATING FACTORS
14 Points 14 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 58 8.2988 7.0597 8.3519 8.2988 6.7997 4.0724 6.799716 4.3353 4.5787 8.3519 4.3353 5.4651 4.0724 5.4651 59 8.2988 7.0597 8.3519 8.2988 6.8160 4.0724 6.816017 4.5269 4.5836 8.3519 4.5269 5.5624 4.0724 5.5624 60 8.2988 7.0597 8.3519 8.2988 6.8347 4.0724 6.834718 4.7198 4.5886 8.3519 4.7198 5.6589 4.0724 5.6589 61 8.2988 7.0597 8.3519 8.2988 6.8522 4.0724 6.852219 4.9117 4.5939 8.3519 4.9117 5.7571 4.0724 5.7571 62 8.2988 7.0597 8.3519 8.2988 6.8714 4.0724 6.871420 5.1051 4.5983 8.3519 5.1051 5.8542 4.0724 5.8542 63 8.2988 7.0597 8.3519 8.2988 6.8886 4.0724 6.888621 5.2725 4.7596 8.3519 5.2725 5.8676 4.0724 5.8676 64 8.2988 7.0597 8.3519 8.2988 6.9068 4.0724 6.906822 5.4407 4.9208 8.3519 5.4407 5.8830 4.0724 5.8830 65 8.2988 7.0597 8.3519 8.2988 6.9256 4.0724 6.925623 5.6087 5.0831 8.3519 5.6087 5.8980 4.0724 5.8980 66 8.2988 7.0597 8.3519 8.2988 6.9445 4.0724 6.944524 5.7776 5.2456 8.3519 5.7776 5.9127 4.0724 5.9127 67 8.2988 7.0597 8.3519 8.2988 6.9627 4.0724 6.962725 5.9448 5.4080 8.3519 5.9448 5.9304 4.0724 5.9304 68 8.2988 7.0597 8.3519 8.2988 6.9805 4.0724 6.980526 6.0959 5.4869 8.3519 6.0959 5.9671 4.0724 5.9671 69 8.2988 7.0597 8.3519 8.2988 6.9982 4.0724 6.998227 6.2459 5.5661 8.3519 6.2459 6.0047 4.0724 6.0047 70 8.2988 7.0597 8.3519 8.2988 7.0165 4.0724 7.016528 6.3983 5.6453 8.3519 6.3983 6.0432 4.0724 6.0432 71 8.2988 7.0597 8.3519 8.2988 7.0365 4.0724 7.036529 6.5502 5.7247 8.3519 6.5502 6.0804 4.0724 6.0804 72 8.2988 7.0597 8.3519 8.2988 7.0531 4.0724 7.053130 6.7010 5.8046 8.3519 6.7010 6.1187 4.0724 6.1187 73 8.2988 7.0597 8.3519 8.2988 7.0725 4.0724 7.072531 6.8547 5.8840 8.3519 6.8547 6.1559 4.0724 6.1559 74 8.2988 7.0597 8.3519 8.2988 7.0908 4.0724 7.090832 7.0077 5.9637 8.3519 7.0077 6.1948 4.0724 6.1948 75 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108733 7.1618 6.0429 8.3519 7.1618 6.2317 4.0724 6.2317 76 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108734 7.3158 6.1238 8.3519 7.3158 6.2709 4.0724 6.2709 77 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108735 7.4704 6.2032 8.3519 7.4704 6.3077 4.0724 6.3077 78 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108736 7.5118 6.2465 8.3519 7.5118 6.3296 4.0724 6.3296 79 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108737 7.5522 6.2890 8.3519 7.5522 6.3514 4.0724 6.3514 80 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108738 7.5947 6.3324 8.3519 7.5947 6.3732 4.0724 6.3732 81 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108739 7.6346 6.3743 8.3519 7.6346 6.3950 4.0724 6.3950 82 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108740 7.6760 6.4177 8.3519 7.6760 6.4176 4.0724 6.4176 83 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108741 7.7192 6.4611 8.3519 7.7192 6.4397 4.0724 6.4397 84 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108742 7.7589 6.5029 8.3519 7.7589 6.4612 4.0724 6.4612 85 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108743 7.8010 6.5463 8.3519 7.8010 6.4831 4.0724 6.4831 86 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108744 7.8423 6.5882 8.3519 7.8423 6.5042 4.0724 6.5042 87 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108745 7.8832 6.6316 8.3519 7.8832 6.5260 4.0724 6.5260 88 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108746 7.9255 6.6747 8.3519 7.9255 6.5474 4.0724 6.5474 89 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108747 7.9668 6.7176 8.3519 7.9668 6.5692 4.0724 6.5692 90 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108748 8.0072 6.7600 8.3519 8.0072 6.5910 4.0724 6.5910 91 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108749 8.0497 6.8034 8.3519 8.0497 6.6131 4.0724 6.6131 92 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108750 8.0905 6.8472 8.3519 8.0905 6.6347 4.0724 6.6347 93 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108751 8.1315 6.8886 8.3519 8.1315 6.6567 4.0724 6.6567 94 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108752 8.1742 6.9313 8.3519 8.1742 6.6786 4.0724 6.6786 95 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108753 8.2147 6.9739 8.3519 8.2147 6.7014 4.0724 6.7014 96 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108754 8.2563 7.0175 8.3519 8.2563 6.7227 4.0724 6.7227 97 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108755 8.2988 7.0597 8.3519 8.2988 6.7438 4.0724 6.7438 98 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108756 8.2988 7.0597 8.3519 8.2988 6.7623 4.0724 6.7623 99 8.2988 7.0597 8.3519 8.2988 7.1087 4.0724 7.108757 8.2988 7.0597 8.3519 8.2988 6.7800 4.0724 6.7800
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-55
DRIVER RATING FACTORS
15 Points 15 PointsAGE BI PD PIP UMBI UMPD COMP COLL AGE BI PD PIP UMBI UMPD COMP COLL15 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 58 9.2612 7.8254 9.2864 9.2612 7.5318 4.3018 7.531816 4.7522 5.0106 9.2864 4.7522 6.0572 4.3018 6.0572 59 9.2612 7.8254 9.2864 9.2612 7.5511 4.3018 7.551117 4.9704 5.0143 9.2864 4.9704 6.1691 4.3018 6.1691 60 9.2612 7.8254 9.2864 9.2612 7.5731 4.3018 7.573118 5.1908 5.0184 9.2864 5.1908 6.2799 4.3018 6.2799 61 9.2612 7.8254 9.2864 9.2612 7.5940 4.3018 7.594019 5.4098 5.0226 9.2864 5.4098 6.3931 4.3018 6.3931 62 9.2612 7.8254 9.2864 9.2612 7.6166 4.3018 7.616620 5.6310 5.0260 9.2864 5.6310 6.5046 4.3018 6.5046 63 9.2612 7.8254 9.2864 9.2612 7.6372 4.3018 7.637221 5.8164 5.2091 9.2864 5.8164 6.5117 4.3018 6.5117 64 9.2612 7.8254 9.2864 9.2612 7.6585 4.3018 7.658522 6.0027 5.3922 9.2864 6.0027 6.5215 4.3018 6.5215 65 9.2612 7.8254 9.2864 9.2612 7.6811 4.3018 7.681123 6.1889 5.5768 9.2864 6.1889 6.5308 4.3018 6.5308 66 9.2612 7.8254 9.2864 9.2612 7.7035 4.3018 7.703524 6.3761 5.7617 9.2864 6.3761 6.5396 4.3018 6.5396 67 9.2612 7.8254 9.2864 9.2612 7.7252 4.3018 7.725225 6.5612 5.9466 9.2864 6.5612 6.5526 4.3018 6.5526 68 9.2612 7.8254 9.2864 9.2612 7.7462 4.3018 7.746226 6.7364 6.0374 9.2864 6.7364 6.5946 4.3018 6.5946 69 9.2612 7.8254 9.2864 9.2612 7.7672 4.3018 7.767227 6.9103 6.1286 9.2864 6.9103 6.6384 4.3018 6.6384 70 9.2612 7.8254 9.2864 9.2612 7.7888 4.3018 7.788828 7.0874 6.2199 9.2864 7.0874 6.6829 4.3018 6.6829 71 9.2612 7.8254 9.2864 9.2612 7.8130 4.3018 7.813029 7.2638 6.3114 9.2864 7.2638 6.7261 4.3018 6.7261 72 9.2612 7.8254 9.2864 9.2612 7.8323 4.3018 7.832330 7.4389 6.4035 9.2864 7.4389 6.7703 4.3018 6.7703 73 9.2612 7.8254 9.2864 9.2612 7.8557 4.3018 7.855731 7.6179 6.4951 9.2864 7.6179 6.8135 4.3018 6.8135 74 9.2612 7.8254 9.2864 9.2612 7.8772 4.3018 7.877232 7.7959 6.5871 9.2864 7.7959 6.8585 4.3018 6.8585 75 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898633 7.9754 6.6784 9.2864 7.9754 6.9014 4.3018 6.9014 76 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898634 8.1549 6.7719 9.2864 8.1549 6.9469 4.3018 6.9469 77 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898635 8.3352 6.8635 9.2864 8.3352 6.9895 4.3018 6.9895 78 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898636 8.3816 6.9122 9.2864 8.3816 7.0134 4.3018 7.0134 79 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898637 8.4265 6.9599 9.2864 8.4265 7.0370 4.3018 7.0370 80 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898638 8.4742 7.0088 9.2864 8.4742 7.0611 4.3018 7.0611 81 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898639 8.5185 7.0556 9.2864 8.5185 7.0848 4.3018 7.0848 82 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898640 8.5648 7.1045 9.2864 8.5648 7.1095 4.3018 7.1095 83 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898641 8.6134 7.1534 9.2864 8.6134 7.1336 4.3018 7.1336 84 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898642 8.6575 7.2001 9.2864 8.6575 7.1573 4.3018 7.1573 85 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898643 8.7046 7.2489 9.2864 8.7046 7.1812 4.3018 7.1812 86 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898644 8.7507 7.2958 9.2864 8.7507 7.2040 4.3018 7.2040 87 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898645 8.7964 7.3446 9.2864 8.7964 7.2276 4.3018 7.2276 88 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898646 8.8439 7.3931 9.2864 8.8439 7.2512 4.3018 7.2512 89 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898647 8.8900 7.4413 9.2864 8.8900 7.2748 4.3018 7.2748 90 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898648 8.9349 7.4888 9.2864 8.9349 7.2985 4.3018 7.2985 91 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898649 8.9826 7.5377 9.2864 8.9826 7.3227 4.3018 7.3227 92 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898650 9.0282 7.5870 9.2864 9.0282 7.3465 4.3018 7.3465 93 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898651 9.0739 7.6334 9.2864 9.0739 7.3704 4.3018 7.3704 94 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898652 9.1218 7.6812 9.2864 9.1218 7.3943 4.3018 7.3943 95 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898653 9.1669 7.7291 9.2864 9.1669 7.4193 4.3018 7.4193 96 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898654 9.2136 7.7781 9.2864 9.2136 7.4426 4.3018 7.4426 97 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898655 9.2612 7.8254 9.2864 9.2612 7.4655 4.3018 7.4655 98 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898656 9.2612 7.8254 9.2864 9.2612 7.4873 4.3018 7.4873 99 9.2612 7.8254 9.2864 9.2612 7.8986 4.3018 7.898657 9.2612 7.8254 9.2864 9.2612 7.5084 4.3018 7.5084
POINT SURCHARGE RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-56 Oregon March 2019
VEHICLE RATING FACTORS
PPV LIABILITY SYMBOL RELATIVITIESSYMBOL BI PD SYMBOL PIP
0 0.9800 0.9800 0 0.9000215 0.7000 0.7000 415 0.7500220 0.7000 0.7000 420 0.7500225 0.7000 0.7000 425 0.7500230 0.7000 0.7000 430 0.7500235 0.7000 0.7000 435 0.8000240 0.8000 0.8000 440 0.8000245 0.8000 0.8000 445 0.8000250 0.8000 0.8000 450 0.8000255 0.8000 0.8000 455 0.8000260 0.8000 0.8000 460 0.8000265 0.8500 0.8500 465 0.8000270 0.8500 0.8500 470 0.9000275 0.8500 0.8500 475 0.9500280 0.8500 0.8500 480 0.9745285 0.9000 0.9000 485 1.0000290 0.9500 0.9500 490 1.0262295 1.0000 1.0000 495 1.0531300 1.0000 1.0000 500 1.0807305 1.0000 1.0000 505 1.1091310 1.0800 1.0800 510 1.1382315 1.1200 1.1200 515 1.1680320 1.1500 1.1500 520 1.1986325 1.1500 1.1500 525 1.2301330 1.2000 1.2000 530 1.2623335 1.2000 1.2000 535 1.2623340 1.2000 1.2000 540 1.2623345 1.2000 1.2000 545 1.2623350 1.2500 1.2500 550 1.2623355 1.2500 1.2500 555 1.2623360 1.2500 1.2500 560 1.2623365 1.2500 1.2500 565 1.3600370 1.2500 1.2500 570 1.4600375 1.2500 1.2500 575 1.5600380 1.2500 1.2500 580 1.6600385 1.8500 1.8500 585 1.7600390 1.9000 1.9000 590 1.9000999 0.9800 0.9800 999 0.9000
MILEAGE BI PD PIP UMBI UMPD COMP COLL<=3000 0.80 0.80 0.80 0.80 0.80 0.80 0.80
3001 to 5000 0.85 0.85 0.85 0.85 0.85 0.85 0.855001 to 7500 0.90 0.90 0.90 0.90 0.90 0.90 0.907501 to 9000 0.95 0.95 0.95 0.95 0.95 0.95 0.95
PPV Comprehensive Anti-Theft CreditActive, Passive, or Alarm Only 0.98 Status BI PD PIP UMBI UMPDAll Other (no anti-theft device) 1.00 Y 1.20 1.20 1.20 1.20 1.20
N 1.00 1.00 1.00 1.00 1.00
PPV LOW MILEAGE DISCOUNT RELATIVITIES
LIABILITY ONLY DISCOUNT RELATIVITIES
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-57
VEHICLE RATING FACTORS
RAPA symbol 1 RAPA symbol 2Model years 1981 and newer Model years 1981 and newer
First SYMBOL COMP COLLDigit of A 0.6340 0.6900Symbol COMP COLL B 0.6830 0.7200
1 12,500 A 0.7000 0.5500 C 0.7330 0.793012,501 13,750 B 0.7900 0.7444 D 0.8000 0.842013,751 15,000 C 0.8189 0.7800 E 0.8330 0.878015,001 17,500 D 0.8921 0.8628 F 0.9207 0.902017,501 18,750 E 0.9356 0.8628 G 0.9399 0.927018,751 20,000 F 0.9356 0.9289 H 0.9662 0.951020,001 22,000 G 0.9905 0.9289 J 0.9863 0.976022,001 24,000 H 0.9905 0.9700 K 1.0000 1.000024,001 30,000 J 1.0000 1.0000 L 1.0209 1.024030,001 33,000 K 1.1534 1.0000 M 1.0350 1.036133,001 36,000 L 1.1534 1.0750 N 1.0566 1.064036,001 45,000 M 1.2600 1.0966 P 1.0713 1.083045,001 80,000 N 1.7000 1.3000 R 1.0936 1.112280,001 P T 1.1242 1.1830
U 1.1556 1.2320V 1.1878 1.2930
1980 and older W 1.2295 1.3660Stated Stated X 1.2813 1.4128
Amount Amount Y 1.3200 1.4569Min Max Symbol COMP COLL Z 1.4000 1.5542
0 1600 1 0.2795 0.3592 0 1.4000 1.65901601 2100 2 0.3043 0.3873 1 1.4500 1.73202101 2750 3 0.3292 0.4155 2 1.5813 1.80502751 3700 4 0.3540 0.4437 3 1.6708 1.87803701 5000 5 0.3789 0.4718 4 1.7655 1.95105001 6500 6 0.4037 0.5000 5 1.8783 2.02406501 8000 7 0.4286 0.5282 6 1.9984 2.09808001 10000 8 0.4783 0.5704 7 2.1262 2.1710
10001 12500 10 0.5404 0.6338 8 2.2777 2.244012501 15000 11 0.6211 0.7042 9 2.4910 2.320015001 17500 12 0.6832 0.753517501 20000 13 0.7888 0.831020001 24000 14 0.8820 0.922524001 28000 15 1.0000 1.000028001 33000 16 1.1615 1.084533001 39000 17 1.3665 1.190139001 46000 18 1.5528 1.274646001 55000 19 1.8509 1.387355001 65000 20 2.1180 1.485965001 999,999 21 2.5776 1.6620
PPV PHYSICAL DAMAGE RELATIVITIES
MSRP/Stated Amount if
Classic Min
MSRP/Stated Amount if
Classic Max
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-58 Oregon March 2019
VEHICLE RATING FACTORSVehicle Age Relativities
Age BI PD PIP UMBI UMPD COMP COLL0 1.00 1.00 1.00 1.00 1.00 1.00 1.001 1.00 1.00 1.00 1.00 1.00 1.00 1.002 1.00 1.00 1.00 1.00 1.00 1.00 1.003 1.00 1.00 1.00 1.00 1.00 1.00 1.004 1.00 1.00 1.00 1.00 1.00 1.00 1.005 1.00 1.00 1.00 1.00 1.00 1.00 1.006 1.00 1.00 1.00 1.00 1.00 1.00 1.007 1.00 1.00 1.00 1.00 1.00 1.00 1.008 1.00 1.00 1.00 1.00 1.00 1.00 1.009 1.00 1.00 1.00 1.00 1.00 1.00 1.00
10 1.00 1.00 1.00 1.00 1.00 1.00 1.0011 1.00 1.00 1.00 1.00 1.00 1.00 1.0012 1.00 1.00 1.00 1.00 1.00 1.00 1.0013 1.00 1.00 1.00 1.00 1.00 1.00 1.0014 1.00 1.00 1.00 1.00 1.00 1.00 1.0015 1.00 1.00 1.00 1.00 1.00 1.00 1.0016 1.00 1.00 1.00 1.00 1.00 1.00 1.0017 1.00 1.00 1.00 1.00 1.00 0.95 1.0018 1.00 1.00 1.00 1.00 1.00 0.95 1.0019 1.00 1.00 1.00 1.00 1.00 0.95 1.0020 1.00 1.00 1.05 1.00 1.00 0.95 1.0021 1.00 1.00 1.08 1.00 1.00 0.95 1.0022 1.00 1.00 1.08 1.00 1.00 0.95 1.0023 1.00 1.00 1.10 1.00 1.00 0.95 1.0024 1.00 1.00 1.13 1.00 1.00 0.95 1.0025 1.00 1.00 1.15 1.00 1.00 0.95 1.0026 1.00 1.00 1.18 1.00 1.00 0.95 1.0027 1.00 1.00 1.20 1.00 1.00 0.95 1.0028 1.00 1.00 1.23 1.00 1.00 0.95 1.0029 1.00 1.00 1.25 1.00 1.00 0.95 1.0030 1.00 1.00 1.28 1.00 1.00 0.95 1.0031 1.00 1.00 1.30 1.00 1.00 0.95 1.0032 1.00 1.00 1.33 1.00 1.00 0.95 1.0033 1.00 1.00 1.33 1.00 1.00 0.95 1.0034 1.00 1.00 1.33 1.00 1.00 0.95 1.0035 1.00 1.00 1.33 1.00 1.00 0.95 1.0036 1.00 1.00 1.33 1.00 1.00 0.95 1.00
>=37 1.00 1.00 1.35 1.00 1.00 0.95 1.00
StatusY 100 1.630 250 1.205N 250 1.220 500 1.000
500 1.000 750 0.915750 0.878 1,000 0.820
Status 1,000 0.740 1,500 0.780Y 1,500 0.695 2,000 0.723N 2,000 0.573 2,500 0.663
2,500 0.560 5,000 0.5505,000 0.550
1.051.00
PPV Vehicle Replacement/UpgradeFactor1.05
Comprehensive CollisionDEDUCTIBLE RELATIVITIES
1.00
Diminishing DeductibleFactor
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-59
VEHICLE RATING FACTORS
MODEL YEAR RELATIVITIESMODEL YR BI PD PIP UMBI UMPD COMP COLL1980 & Prior 0.5260 0.6710 0.3900 1.0000 1.0000 0.3290 0.2730
1981 0.5260 0.6710 0.3900 1.0000 1.0000 0.3390 0.27301982 0.5260 0.6710 0.4100 1.0000 1.0000 0.3450 0.27301983 0.5260 0.6710 0.4400 1.0000 1.0000 0.3480 0.27301984 0.5260 0.6710 0.4600 1.0000 1.0000 0.3520 0.27301985 0.5260 0.6710 0.4800 1.0000 1.0000 0.3520 0.27301986 0.5260 0.6710 0.5000 1.0000 1.0000 0.3520 0.27301987 0.5660 0.6860 0.5200 1.0000 1.0000 0.3520 0.27301988 0.6040 0.7020 0.5300 1.0000 1.0000 0.3520 0.27301989 0.6410 0.7190 0.6200 1.0000 1.0000 0.3520 0.27301990 0.6760 0.7360 0.7000 1.0000 1.0000 0.3520 0.27301991 0.7090 0.7550 0.7200 1.0000 1.0000 0.3520 0.27301992 0.7400 0.7740 0.7900 1.0000 1.0000 0.3520 0.27301993 0.7680 0.7940 0.8300 1.0000 1.0000 0.3520 0.27301994 0.7950 0.8140 0.8900 1.0000 1.0000 0.3520 0.27301995 0.8190 0.8350 0.9200 1.0000 1.0000 0.3520 0.27301996 0.8410 0.8550 0.9600 1.0000 1.0000 0.3520 0.27301997 0.8610 0.8750 0.9900 1.0000 1.0000 0.3680 0.27301998 0.8790 0.8940 1.0000 1.0000 1.0000 0.3950 0.27301999 0.8960 0.9130 1.0000 1.0000 1.0000 0.4170 0.29802000 0.9110 0.9300 1.0000 1.0000 1.0000 0.4510 0.32902001 0.9260 0.9470 1.0000 1.0000 1.0000 0.4860 0.36702002 0.9400 0.9610 1.0000 1.0000 1.0000 0.5250 0.41102003 0.9540 0.9740 1.0000 1.0000 1.0000 0.5490 0.46202004 0.9690 0.9850 1.0000 1.0000 1.0000 0.5730 0.51402005 0.9840 0.9930 1.0000 1.0000 1.0000 0.6120 0.57902006 1.0000 0.9980 1.0000 1.0000 1.0000 0.6540 0.64802007 1.0000 1.0000 1.0000 1.0000 1.0000 0.6900 0.71702008 1.0000 1.0000 1.0000 1.0000 1.0000 0.7300 0.78602009 1.0000 1.0000 1.0000 1.0000 1.0000 0.7720 0.83902010 1.0000 1.0000 1.0000 1.0000 1.0000 0.8190 0.87702011 1.0000 1.0000 1.0000 1.0000 1.0000 0.8720 0.91602012 1.0000 1.0000 1.0000 1.0000 1.0000 0.9340 0.95702013 1.0000 1.0000 1.0000 1.0000 1.0000 1.0000 1.00002014 1.0000 1.0000 1.0000 1.0000 1.0000 1.0660 1.04902015 1.0000 1.0000 1.0000 1.0000 1.0000 1.1300 1.09102016 1.0000 1.0000 1.0000 1.0000 1.0000 1.1960 1.13702017 1.0000 1.0000 1.0000 1.0000 1.0000 1.2610 1.18302018 1.0000 1.0000 1.0000 1.0000 1.0000 1.3290 1.23002019 1.0000 1.0000 1.0000 1.0000 1.0000 1.4010 1.27902020 1.0000 1.0000 1.0000 1.0000 1.0000 1.4770 1.3300
PPV Usage RelativitiesMilage BI PD PIP UMBI UMPD COMP COLL
Pleasure 1.00 1.00 1.00 1.00 1.00 1.00 1.00< 15 Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.0015 + Miles 1.00 1.00 1.00 1.00 1.00 1.00 1.00Business 1.20 1.20 1.20 1.20 1.20 1.20 1.20Farm 0.90 0.90 0.90 0.90 0.90 0.90 0.90
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-60 Oregon March 2019
VEHICLE RATING FACTORS
MH ACTUAL CASH VALUE SYMBOL RELS MH ACTUAL CASH VALUE SYMBOL RELSSYM COMP COLL SYM COMP COLL
1 1 1,000 0.290 0.330 51 115,001 120,000 1.670 1.7402 1,001 2,000 0.290 0.330 52 120,001 125,000 1.720 1.7903 2,001 3,000 0.290 0.330 53 125,001 130,000 1.760 1.8704 3,001 4,000 0.290 0.330 54 130,001 135,000 1.810 1.9505 4,001 5,000 0.290 0.330 55 135,001 140,000 1.850 2.0206 5,001 6,000 0.290 0.330 56 140,001 145,000 1.900 2.1007 6,001 7,000 0.290 0.330 57 145,001 150,000 1.940 2.1808 7,001 8,000 0.290 0.330 58 150,001 155,000 1.980 2.2609 8,001 9,000 0.290 0.330 59 155,001 160,000 2.030 2.340
10 9,001 10,000 0.290 0.330 60 160,001 165,000 2.070 2.41011 10,001 11,000 0.290 0.330 61 165,001 170,000 2.120 2.44912 11,001 12,000 0.290 0.330 62 170,001 175,000 2.160 2.57013 12,001 13,000 0.290 0.330 63 175,001 180,000 2.280 2.59014 13,001 14,000 0.290 0.330 64 180,001 185,000 2.390 2.60015 14,001 15,000 0.290 0.330 65 185,001 190,000 2.510 2.62016 15,001 16,000 0.320 0.360 66 190,001 195,000 2.620 2.63017 16,001 17,000 0.320 0.360 67 195,001 200,000 2.740 2.65018 17,001 18,000 0.320 0.360 68 200,001 205,000 2.850 2.66019 18,001 20,000 0.360 0.390 69 205,001 210,000 2.970 2.69020 20,001 22,000 0.380 0.410 70 210,001 215,000 3.080 2.70021 22,001 24,000 0.400 0.430 71 215,001 220,000 3.200 2.71022 24,001 26,000 0.410 0.460 72 220,001 225,000 3.310 2.72023 26,001 27,000 0.420 0.470 73 225,001 230,000 3.390 2.73024 27,001 29,000 0.430 0.490 74 230,001 235,000 3.460 2.74025 29,001 31,000 0.440 0.510 75 235,001 240,000 3.540 2.75026 31,001 33,000 0.450 0.530 76 240,001 245,000 3.610 2.76027 33,001 35,000 0.460 0.560 77 245,001 250,000 3.690 2.77028 35,001 37,000 0.470 0.580 78 >250,00029 37,001 39,000 0.490 0.600 each additional $5,000 +0.05 +0.03530 39,001 41,000 0.500 0.63031 41,001 43,000 0.520 0.65032 43,001 45,000 0.570 0.68033 45,001 47,000 0.610 0.69034 47,001 49,000 0.620 0.72035 49,001 52,000 0.640 0.75036 52,001 55,000 0.670 0.79037 55,001 58,000 0.690 0.81038 58,001 61,000 0.750 0.88039 61,001 64,000 0.750 0.88040 64,001 67,000 0.810 0.88041 67,001 70,000 0.810 0.88042 70,001 75,000 0.900 1.04043 75,001 80,000 1.000 1.10044 80,001 85,000 1.090 1.16045 85,001 90,000 1.140 1.30046 90,001 95,000 1.310 1.42047 95,001 100,000 1.490 1.56048 100,001 105,000 1.540 1.61049 105,001 110,000 1.580 1.65050 110,001 115,000 1.630 1.700
VALUE RANGE VALUE RANGE
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-61
VEHICLE RATING FACTORS
VEH AGE COMP COLL COVERAGE REL0 0.620 0.890 BI 0.5131 0.670 0.890 PD 0.3502 0.680 0.940 PIP 0.4013 0.740 0.940 UMBI 0.5734 0.800 1.010 UMPD 0.4285 0.860 1.050 COMP 1.4016 1.010 1.120 COLL 0.8347 1.010 1.1308 1.110 1.1509 1.110 1.180
10 1.110 1.18011 1.210 1.00012 1.210 1.00013 1.210 1.00014 1.210 1.00015 1.210 1.00016 1.310 0.70017 1.310 0.70018 1.310 0.70019 1.310 0.700
20-99 1.310 0.700
MH VEHICLE AGE SYMBOLS MH DISCOUNT FACTORS
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
RF-62 Oregon March 2019
VEHICLE RATING FACTORS
TRAILER ACTUAL CASH VALUE SYMBOL RELSSYM COMP COLL SYM COMP COLL
1 1 3,000 0.450 0.340 0 1.000 1.0002 3,001 5,000 0.580 0.400 1 1.050 0.8003 5,001 7,000 0.720 0.470 2 1.100 0.8004 7,001 9,000 0.790 0.550 3 1.150 0.8005 9,001 11,000 0.850 0.630 4 1.170 0.8006 11,001 13,000 0.900 0.720 5 1.200 0.8007 13,001 15,000 0.940 0.810 6 1.250 0.7508 15,001 17,000 0.990 0.900 7 1.350 0.7509 17,001 19,000 1.010 1.000 8 1.400 0.700
10 19,001 21,000 1.070 1.110 9 1.400 0.66011 21,001 23,000 1.130 1.220 10 1.400 0.63012 23,001 25,000 1.170 1.270 11 1.400 0.60013 25,001 27,000 1.220 1.320 12 1.400 0.60014 27,001 29,000 1.260 1.390 13 1.400 0.60015 29,001 31,000 1.300 1.540 14 1.400 0.60016 31,001 33,000 1.330 1.630 15 1.400 0.55017 33,001 35,000 1.360 1.730 16-99 1.200 0.50018 35,001 37,000 1.390 1.81019 37,001 39,000 1.420 1.88020 39,001 41,000 1.450 1.96021 41,001 43,000 1.490 2.030 REL22 43,001 45,000 1.540 2.110 0.20423 45,001 47,000 1.600 2.180 0.54624 47,001 49,000 1.650 2.25025 49,001 51,000 1.700 2.32026 51,001 53,000 1.750 2.39027 53,001 55,000 1.800 2.43028 55,001 57,000 1.850 2.49029 57,001 59,000 1.900 2.55030 59,001 61,000 1.950 2.61031 61,001 65,000 1.950 2.68032 65,001 70,000 1.970 2.72033 70,001 75,000 1.990 2.75034 75,001 80,000 2.050 2.80535 80,001 85,000 2.110 2.86036 85,001 90,000 2.170 2.91537 90,001 95,000 2.230 2.97038 95,001 100,000 2.290 3.02539 >100000
Each additional $5,000 +.06 +.055
COVERAGECOMPCOLL
VALUE RANGETRAILER VEHICLE AGE SYMBOLS
TRAILER DISCOUNT FACTORS
OREGON MUTUAL INSURANCE COMPANYCUSTOM SHIELD
RATING FACTORS
March 2019 Oregon RF-63
VEHICLE RATING FACTORS
RELCOVERAGE REL 0.150
BI 1.000 0.150PD 1.000 0.150PIP 1.000 0.150
UMBI 1.000COMP 1.000COLL 2.000
Rate perCOV DED $100Comp 0 0.43Comp 50 0.31
REL Coll 100 0.240.061 Coll 200 0.170.0430.0200.076UMBI
RESTRICTED USE DISCOUNT FACTORS
ANTIQUE DISCOUNT FACTORSCOVERAGE
BIPDPIP
PIP
UMBI
ANTIQUE PHYSICAL DAMAGE
NON-OWNED DISCOUNT FACTORSCOVERAGE
BIPD