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9-12 all

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o insurance coverage for d surcharges or discounts. B. Exercises Calculate the semiannual premiums for collision insurance cover each of the stated deductibles with the indicated surcharges or 9. $250 deductible, compact, 19-year-old restricted male driver 10. $500. deductible, full-size, driver has 3 accidents within the last 3 11. $500 deductible, midsize, 21-year-old female driver with 2 accidents 14 months ago 12. $250 deductible, full-size, teenage male driver has 2 accidents last year Table 7.7 Samiannual Premiums for Liability Bodily injury, and Property Damage (Basel Pleasure Work less than Work greater 10 miles than 10 miles 125 123 Limits in thousands 25/50/25 Retired SO/100/25 100/300/50 250/500/100 use only 128 115 136 109 148 116 134 145 165 149 vary from state to state Premiums vary from start to state and city to limits vary from state to state pe 162 140 a re available, but will not be considered in this text 127 Winu Higher limits are a Sube Type of Table 7.8 Semiannual Premiums for Collision Coverage (Base Rate) of Subcompact Compact Midsize Full-size deductible Pontiac SUV Honda Ford Buick Civic Grand Am Chevy nd Am Taurus LeSabre Blazer 192 190 194 216 198 163 165 185 170 les of vehicles are given since automobile insurance companies group vehicles by physical damage han size. This grouping puts vehicles together that cost about the came to repair similar damage Insurance agent would say the vehicles have the same price group webol (PGS) $250 5500 162 Type of deductible Table 7.9 Semiannual Premiums for Comprehensive coverage (Base Rate) Subcompact Compact Midsize Full size Honda Pontiac Ford Buick Civic Grand Am Taurus LeSabre 46 56 65 42 51 52 59 SUV Chevy Blazer 56 $250 5500 5 1 kon, and Cor e Core factor X Bee Rate Collision Comprehen 445 295 Table 7.10 Age Surcharges For Liability Collision, and Classification Gender Age nty Mole lunmarried 16-20 3.90 Restricted male' 16-20 2.80 2.50 16- 20 275 290 Restricted female 16-20 2.00 or female is one that lives at home with parents and then than drive or in a dormitory of school more than 100 les 2.00 120 Table 7.11 Accident Surcharges For Liability and conson How recently the accident(s) occurred Between Between Within one year 1&2 years Surcharge points due to accident(s) 2 & 3 years of accidents more The first surcharge point increases the base rate 15% and each additional point increases it Table 7.12 Premium Discount Rating Factors for Liability, Collision, and Comprehensive Factor x Base Rate Category Female Male Good student (B average) 0.90 0.80 Resident restricted student 0.80 0.65 Drivers training 0.90 0.90 TeenSMART program? 0.90 0.90 Does not apply to comprehensive or medical An Allstate parent and teen video study program to help teens be responsible drivers the semiannual premium for Mrs. Saito drives a full-size car and wants 100/300/50 liability $250 tible collision, and $500 deductible comprehensive She drives a full-size deductible collision EXAMPLE Answer 127 216 1. Use Table 7.7 for liability 2. Use Table 7.8 for collision ($250 deductible). 3. Use Table 7.9 for comprehensive (5500 deductible). 4. Find the total semiannual premium. 5402 F EXAMPLE 2 Find the semiannual premium for a subcompact vehicle used only for pleasure with 25/50/25 liability, $250 deductible collision, and $250 deductible comprehensive. The driver is an 18-year-old student who lives with his parents and has a B average. Use Table 7.10 for surcharges (increased rates) and Table 7.12 for discounts le 72 bewbo Answer ex 28 - $358.40 1. Use a 2.8 surcharge factor (Table 7.10) with liability 25/50/25 (Table 7.7) 192 x 2. 9 5556.80 46 X 1.6 = $73.60 $988.80 2. Use a 2.9 surcharge factor (Table 7.10) with $250 deductible collision (Table 7.8). 3. Use a 1.6 age surcharge factor (Table 7.10) with $250 deductible comprehensive (Table 7.9). Find the subtotal. 0.8(988.80) = $791.04 4. Find 80% of these standard rates for a good student discount (Table 7.12). This is the semiannual premium. EXAMPLE 3 Find the semiannual premium for a midsize vehicle with 100/300/50 liability, $500 deductible collision, and $250 deductible comprehensive. Assume there is one accident within the last year on the driver's record, and the car is driven to work a distance greater than 10 miles per day. Use Table 7.11 for accident surcharges. o insurance coverage for d surcharges or discounts. B. Exercises Calculate the semiannual premiums for collision insurance cover each of the stated deductibles with the indicated surcharges or 9. $250 deductible, compact, 19-year-old restricted male driver 10. $500. deductible, full-size, driver has 3 accidents within the last 3 11. $500 deductible, midsize, 21-year-old female driver with 2 accidents 14 months ago 12. $250 deductible, full-size, teenage male driver has 2 accidents last year Table 7.7 Samiannual Premiums for Liability Bodily injury, and Property Damage (Basel Pleasure Work less than Work greater 10 miles than 10 miles 125 123 Limits in thousands 25/50/25 Retired SO/100/25 100/300/50 250/500/100 use only 128 115 136 109 148 116 134 145 165 149 vary from state to state Premiums vary from start to state and city to limits vary from state to state pe 162 140 a re available, but will not be considered in this text 127 Winu Higher limits are a Sube Type of Table 7.8 Semiannual Premiums for Collision Coverage (Base Rate) of Subcompact Compact Midsize Full-size deductible Pontiac SUV Honda Ford Buick Civic Grand Am Chevy nd Am Taurus LeSabre Blazer 192 190 194 216 198 163 165 185 170 les of vehicles are given since automobile insurance companies group vehicles by physical damage han size. This grouping puts vehicles together that cost about the came to repair similar damage Insurance agent would say the vehicles have the same price group webol (PGS) $250 5500 162 Type of deductible Table 7.9 Semiannual Premiums for Comprehensive coverage (Base Rate) Subcompact Compact Midsize Full size Honda Pontiac Ford Buick Civic Grand Am Taurus LeSabre 46 56 65 42 51 52 59 SUV Chevy Blazer 56 $250 5500 5 1 kon, and Cor e Core factor X Bee Rate Collision Comprehen 445 295 Table 7.10 Age Surcharges For Liability Collision, and Classification Gender Age nty Mole lunmarried 16-20 3.90 Restricted male' 16-20 2.80 2.50 16- 20 275 290 Restricted female 16-20 2.00 or female is one that lives at home with parents and then than drive or in a dormitory of school more than 100 les 2.00 120 Table 7.11 Accident Surcharges For Liability and conson How recently the accident(s) occurred Between Between Within one year 1&2 years Surcharge points due to accident(s) 2 & 3 years of accidents more The first surcharge point increases the base rate 15% and each additional point increases it Table 7.12 Premium Discount Rating Factors for Liability, Collision, and Comprehensive Factor x Base Rate Category Female Male Good student (B average) 0.90 0.80 Resident restricted student 0.80 0.65 Drivers training 0.90 0.90 TeenSMART program? 0.90 0.90 Does not apply to comprehensive or medical An Allstate parent and teen video study program to help teens be responsible drivers the semiannual premium for Mrs. Saito drives a full-size car and wants 100/300/50 liability $250 tible collision, and $500 deductible comprehensive She drives a full-size deductible collision EXAMPLE Answer 127 216 1. Use Table 7.7 for liability 2. Use Table 7.8 for collision ($250 deductible). 3. Use Table 7.9 for comprehensive (5500 deductible). 4. Find the total semiannual premium. 5402 F EXAMPLE 2 Find the semiannual premium for a subcompact vehicle used only for pleasure with 25/50/25 liability, $250 deductible collision, and $250 deductible comprehensive. The driver is an 18-year-old student who lives with his parents and has a B average. Use Table 7.10 for surcharges (increased rates) and Table 7.12 for discounts le 72 bewbo Answer ex 28 - $358.40 1. Use a 2.8 surcharge factor (Table 7.10) with liability 25/50/25 (Table 7.7) 192 x 2. 9 5556.80 46 X 1.6 = $73.60 $988.80 2. Use a 2.9 surcharge factor (Table 7.10) with $250 deductible collision (Table 7.8). 3. Use a 1.6 age surcharge factor (Table 7.10) with $250 deductible comprehensive (Table 7.9). Find the subtotal. 0.8(988.80) = $791.04 4. Find 80% of these standard rates for a good student discount (Table 7.12). This is the semiannual premium. EXAMPLE 3 Find the semiannual premium for a midsize vehicle with 100/300/50 liability, $500 deductible collision, and $250 deductible comprehensive. Assume there is one accident within the last year on the driver's record, and the car is driven to work a distance greater than 10 miles per day. Use Table 7.11 for accident surcharges