Company Name Rate Change Discounts Bells & Whistles

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2 Amica Overall -7.9% Multi-Car 10% (1,2,4,5,7,8,9) Anti-Theft 5 35% (9) Annual Mileage 5 10% (1-8,12) Arbella Overall -7.7% Multi-Car 5% (1,2,4,5,7 8,9) Advanced Driver Training 5% (1,2,4,5,7) Commerce Overall -8.1% Multi-Car 6% (1,2,4,5,7,8,9) Public Transit 10% *4m6( Anti-Theft 5-36% (9) Annual Mileage 5-10% (10-8, 12) Account 5% (1-12) Loyalty 2-4% (1-12) Loyalty Credit 3 7% (1-9,12) New Business (ins. 3 years w. prior insurer) (1-9, 12) Multi-Line Credit up to 10% (1,2,4,5,6,7,8,9) Good Student 10% (1,2,4,5,7,8,9) Years Driving (1,2,4,5,6,7,8,9) Foreign License 1.10 (1,2,4,5,6,7,8,9) Eliminate Short-Rate Penalty Enhanced Towing Enhanced Rental Vehicle Replacement Cost free w/i 180 days of purchase Free Lock Replacement when keys are stolen Loan/Lease Gap Coverage +7% (7,8,9) Miles Commuting a rating factor Higher surcharges 4 points or higher Policy Scoring Safest Driver, Good, Careful, Standard, Special Chip Key added to Anti-Theft Years Licensed Factor (1,2,4,7) Loyalty Credit 2% (final premium) Account Credit 5% (final premium) Multi-Vehicle Policy 2% (1,2,4,5,7,8,9) Customer Care Package Endorsement: Enhanced Towing and Rental; New Vehicle replacement Cost; Replacement Cost Mechanical Parts; Trip Interruption Coverage Years Licensed Deviation varies Factor Rating/Tiering AAA Member Package Endorsement: increased bail Bonds; increased substitute transportation; increase loss of earnings for trials/hearings; replacement cost; damage to cell phones/laptops; glass repair; damage to personal belongings; pet injury/burial coverage; seatbelt/airbag death benefit; waiver of collision deductible

3 Electric Overall -9.0% *Note: Asks permission to use MAIP rate rather than voluntary rate for ceded risks Multi-Car 5-25% (1,2,4,5,7,8,9)* *include company car to qualify Annual Mileage 6-15% (1-8,12) Years Licensed varies (all parts) Group Marketing up to 15% (total premium) Category Factor 0-15% (all except 10,11) Underwriting Quality Index 3 sets of base rates 1=.94, 2=.98, 3=1.00 Payroll Deduction Deviation 4% (total premium) Multi Policy 5% (all parts) Encompass Overall -4.5% Multi-Car 5% (1,2,4,5,7,8,9) Good Payer Discount 5% (1,2,4,5,6,7,8) Future Effective Date 5% (1,2,4,5,6,7,8) New Car Discount 1-5% (7,8,9) Farm Family Overall -8.2% Multi-Car 5% (1,2,4,5,7,8,9) Fireman s Fund Overall 2.5% Multi-Car 5% (1,2,4,5,7,8,9) Accident/Violation Forgiveness +14% (1,2,4,7) Auto Loan/Lease Deficiency +7% (7,8,9) Replacement Value Coverage +20% (7,8,9) Tier Rating Ultra-Preferred, Preferred & Standard Parts ,.93,1.00 Parts 4&6.77,.95,1.00 Parts 7&8.77,.95,.98 Years Licensed Deviation 5-10% Increased Excellent Driver and Excellent Driver Plus Discounts 10-20% Farm Family does not write motorcycles

4 Hanover Overall -8.1% Multi-Car avg. 18% (Based on Core Factor) Public Transit 25% (4,7) Anti-Theft 5-36% (9) Annual Mileage 10-17% (1-8,12) Driver Skills Development 10% (1,2,4,5,7) Account avg. 19% (Based on Core Factor) Liberty Mutual Overall -10.7% Multi-Car 5-10% (1,2,4,5,7,8,9) Public Transit 15% (4,7) Anti-Theft 5-36% (9) Annual Mileage 5-13% (1-8, 2) Driver Training 5% (1,2,4,5,7) applies 6 yrs Drive Smart + 5% (1-9) Accident Forgiveness Ultimate Towing & Labor Ultimate Rental Reimbursement Drive Smart Plus + 10% (1-9) All Drive Smart Features New Car Replacement Protection Deductible Dividends Enhanced Customized Equipment $15-$500 (for $1001-$99000 coverage) Auto Loan/Lease Gap Coverage Household Structure Factor Years Driving Deviation 0-25% (1,2,4,5,7,8,9) Liberty Preferred 0-16% (1-12) Group Savings Plus (1-12) Enrollment Credit 0-5.5% (1-12) Accident Forgiveness based on criteria Good Student 10% (1,2,4,5,7,8) Metropolitan Overall -6.0% Multi-Car 15% - Code 99, 10% - Code 98, 5% All Others (1,2,4,5,7,8,9) National Grange Mutual Overall -7.6% Multi-Car 5-10% (1,2,4,5,7,8,9) Public Transit 10% (4,7) Class 15 25% (final premium) Annual Mileage 5-10% 1-8, 12) Book Transfer 5%-1st year; 2.5%-2nd year; 0%-third and subsequent years (1-9,12) Category Rating varies by cov. and oper Years Licensed Deviation -2%-+2% (1,2,4,5,7,8) Increased Excellent Driver Plus Discount 24% (1,2,4,7) Good Student 10% (1,2,4,5,7,8) Electronic Payment 5% (1-9 & 12) New Endorsements Transportation Expense Trip Interruption Disappearing Deductible Personal Clothing Student Away at School Good Student 1st Accident Forgiveness New Auto Loan/Lease

5 Norfolk & Dedham Over all -8.5% Multi-Car 7.5% ( ,8,9) Years Licensed Deviation varies Companion Policy 5% (1,2,4,5,7,9) Good Student 5% (1,2,4,5,7,9) Advanced Driver Training 5% (1,2,4,5,7,9) Accidental Airbag Deployment Coverage New Car Protection,<12 mos. <15,000 miles Pet Injury up to $500 Hybrid Vehicle 5% (1,2,4,5,7,9) One Beacon Overall -7.2% Multi-Car 5% (1,2,4,5,7 8,9) Anti-theft 5-35% (9) Plymouth Rock Overall -7.3% Multi-Car 5% (1,2,4,5,7,8,9) Good Student 10-15% (1,2,4,5,7) Tier Rating -20% - +10% Loan/Lease Gap Coverage Companion Property 10% (1-10,12) OEM until 3 model years old Bail Bonds up to $500 for accidents w. BI or PD and traffic violations Add l. Travel Expense up to $500 $2000 auto theft reward Student School 15% (1,2,4,5,7) Replacement Cost w. criteria Disappearing Deductible up to $500 Accident Forgiveness +1.5% (1-9) Enhanced OEM Coverage <20,000 mi. Exposure Based Rate Adjustment varies Praetorian Overall 2.5 Multi-Car 5% (1,2,4,5,7,8,9) Good Student 10-15% (1,2,4,5,7)

6 Premier (Travelers of MA) Overall -6.3% Multi-Car 5% (1,2,4,5,7,8,9) Anti-Theft 5-35 (9) Account Credit 5% (1,2,4,5,6,7,8,9) Good Student Deviation 5% (1,2,4,5,7,8,9) Hybrid Deviation 10% (1,2,4,5,7,8,9) Pay in Full 2% (1,2,4,5,7,8,9) Experience Factor varies Quincy Mutual Overall -10.0% Multi-Car 5% (1,2,4,5,7,8,9) Advanced Driver Training 5% (1,2,4,5,7) *Redefined Class 10 Safety Overall -6.3% Multi-Car 5-10% (1,2,4,5,7,8,9) Anti-Theft 5-35 (9) Good Student 10% (1-12) Student School 10% (1-12) Hybrid 10% (1-12) Years Licensed Deviation Increased Excellent Driver and Excellent Driver Plus Discount 10% & 20% respectively Customer Loyalty Deviation New Business Credit Renewal Credit 2-8% (1-12) Account Credit 10% (1,2,4,5,6,7,8,10,12) Excellent Driver 15% (1,2,4,7) Excellent Driver Plus 25% (1,2,4,7) Loan/Lease Gap $25 per vehicle Safety Shield $25 per policy includes Disappearing Deductible, Rental Loss of Income, Guaranteed Replacement Cost, Personal Effects, Extended Sub. Trans., Supp. Towing and Labor, Air Bag Coverage State Farm Overall 1.6% Multi-Car 5% (1,2,4,5,7,8,9)

7 USAA Overall -15.5% Multi-Car 5% (1,2,4,5,7 8 9) Anti-Theft 5-35 (9) Annual Mileage 5-10% (1-9,12) Good Student 10% (1,2,4,5,6,7,9) Student Away 10% (1,2,4,5,6,7,9) USAA Legacy Deviation 10% (1-12) New Vehicle Deviation 4-8% (1,2,4,5,6,7.9) Online Driver $15 (1,4)