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Commerce Insurance Company Executive Summary Last Updated 02/18/10 - PDF
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1 Commerce Insurance Company Executive Summary Last Updated 02/18/10 April 1, 2008 had multiple filings: Initial Filing Rule 11. Premium Calculation Rule This rule was replaced...see 2008 Manual for guidelines Rule 19. Discounts 2 New Discounts: Account Discount; Loyalty Discount Rule 26. Additional Specific Rating Rules (NEW RULE) This is a new rule, see 2008 Manual for guidelines and charts. Rule 28. Private Passenger Classifications D. 2. c. increased the driving hours to 12 from 6 for new operation Rule 48. Original Equipment Manufacturer Parts Coverage Changed the mileage requirement from 20,000 to 15,000 Company Specific Forms and Endorsements: AAA Member Package Endorsement CIC 2114ed Operator Exclusion Form CIC616 Rev. 1/1/02 Filing # Overall % Rate Impact 0% Rule 26. Driver Vehicle Factor Correction made to the rule. Rule 28. Private Passenger Classification Removed Years Licensed from the Assignment of Operator to Auto Rule July 1, 2008 New & Renewal had multiple filings Filing # Overall % Rate Impact 0% Rule 19. Discounts Account Discount Revised discount to include other eligible companies Rule 35. AAA Member Package Endorsement (NEW RULE) See manual for guidelines R9EVISED CIC1097) Filing # Overall % Rate Impact 0% Rule 35. AAA Member Package Endorsement Submitted second revision to endorsement (REPLACED WITH CIC1096) Filing # Overall % Rate Impact 0% Changes to the Supplemental Application, CIC 2115 (7/08) a. Revised questions 1&2 to accommodate revised Account Discount b. Added Ways to save Buyers Guide c. Revised question 3 to no longer require a copy of an out of state license d. Revised question 4 e. Eliminated questions 5, 6, 7 & 9...these are on the NE application f. Added a new question 6 asking if the consumer wants to purchase Enhancer Package Endorsement Rule 35. AAA Member Package Endorsement Revised Replacement Cost Coverage to clarify that leased vehicles are not covered.
2 August 1, 2008 New & Renewal Business had Multiple Filings Filing # Overall % Rate Impact 0% Commerce Enhancer Package Endorsement See Rule for Form Filing # Overall % Rate Impact 0% Rule 37. Optional Coverages (New Rule) Commerce Enhancer Package Endorsement CIC 2122 The Commerce Enhancer Package Endorsement provides increased limits for Bail Bonds, Loss of Earnings and Substitute Transportation, as well as the following additional coverages: Cellular Telephone Replacement, Personal Belongings, Personal Belongings, Pet Injury Coverage, Seat Belt/Air Bag Benefit, Waiver of Collision Deductible, and Replacement Cost Coverage. This endorsement is available for purchase only for policies that do not contain the AAA Member Package Endorsement CIC-2114 This endorsement can be purchased for an additional per policy premium of $20. Rule 11. Premium Calculation Rule Revised to include Step 10. Rule 35. AAA Member Package Endorsement CIC 2114 The AAA Member Package Endorsement provides increased limits for Bail Bonds, Loss of Earnings and Substitute Transportation, as well as the following additional coverages. Cellular Telephone Replacement, Glass Repair Coverage, Laptop Computer Replacement, Personal Belongings, Pet Injury Coverage Seat Belt/Air Bag Benefit, Waiver of Collision Deductible, and Replacement Cost Coverage. The additional benefits and enhancements provided by this endorsement are available, at no additional premium, only to policies receiving the AAA Member Discount. All policies subject to this rule will contain the endorsement entitled AAA Member Package Endorsement, CIC Filing # Overall % Rate Impact 0% Rule 36. Commerce VIP Package Endorsement (NEW RULE) The Commerce VIP Package Endorsement provides increased limits for Bail Bonds, reduced Comprehensive deductible for malicious mischief or vandalism that occurs on school property, Loss of Earning and Substitute Transportation, as well as the following additional coverages: Cellular Telephone Replacement, Glass Repair Coverage, Laptop Computer Replacement, Personal Belongings, Pet Injury Coverage, Seat Belt/Air Bag Benefit, Waiver of Collision Deductible, and Replacement Cost Coverage. The additional benefits and enhancement provided by this endorsement are available, at no additional premium, only to policies written under an approved group marketing program endorsed by Horace Mann Insurance Brokers of MA. Such group marketing programs include but are not limited to specific educator associations, public school districts, and teachers credit unions. All policies subject to this rule will continue the endorsement entitled Commerce VIP Package Endorsement, CIC Filing # Overall % Rate Impact 0% Commerce VIP Endorsement CIC-2123 Form
3 November 1, 2008 New & Renewal Business had Multiple Filings Filing # Overall % Rate Impact 0% Rule 37. Optional Coverage Revised to include Comp-Pack Endorsement CIC Com-Pak has a $35 per policy premium charge. The Com-Pac Endorsement provides the following additional coverages: Collision and Limited Collision Deductible Savings Program, Original Equipment Manufacturer Parts Coverage, Mechanical Parts Replacement Cost Coverage, Emergency Travel Expense, Additional Towing and Labor Coverage, and Accidental Discharge of Air Bag Coverage. This endorsement can be purchased for any policy that provides Comprehensive (Part 9) coverage. There is a $35 annual and minimum retained premium for this endorsement. Filing # Overall % Rate Impact 0% Rule 11. Premium Calculation Revised to include new discounts: Good Student Discount, Student Away from Home Discount and Shop Smart Discount. Rule 19. Discounts 3 new discounts added: See Manual Page RS-1 for Percentages of Discounts for these three new rules. I. Good Student Discount The Good Student Discount applies provided the following criteria are met: A) The rated operator: 1. Is classified in one of the following inexperienced Operator Classes: 17, 18, 20, 21, 25 or 26 and 2. Is a full time high school, home study, college or university student. B) The rated operator has met one of the following requirements: 1. Is in the upper 20% of his or her class scholastically: or 2. maintains a B average or higher, or its equivalent, or if the letter grading system cannot be averaged then no grade can be below a B or 3. in schools using numerical grade points, such as 4, 3, 2, and 1, had an average of at least 3 points or it s equivalent for all subjects combined; or 4. was included on the Dean s List, Honor Roll or comparable list indicating scholastic achievement. 5. In the case of home schooling, 2 options are given: i. a standardized form certified by a 3rd. Party organization showing evidence that one of the qualifications listed above is satisfied; or ii. Evidence of scoring in the upper 20% on an annual national standardized exam. The discount will be applied to Coverage Parts 1, 2, 4, 5, 7, 8 and 9. Refer to the Miscellaneous Rating Factors page for applicable discount. The Good Student Discount cannot be applied in conjunction with the Student Away from Home Discount. If the insured is eligible for both discounts, the Student Away from Home Discount will apply. J. Student Away from Home Discount The Student Away from Home Discount applies provided the following criteria are met: A) The rated operator is classified in one of the flowing inexperienced operator classes: 17, 18, 20, 21, 25 or 26.
4 B) The rated operator is a student residing at an educational institution over 100 road miles form the automobile s principal place or garaging. C) The student does not have regular access to the covered vehicle while at school. The discount will be applied to Coverage Parts 1, 2, 4, 5, 7, 8 and 9. Refer to the Miscellaneous Rating Factors page for applicable discounts. The Student Away fro Home discount can not be applied in conjunction with the Good Student discount. If the rated operator is eligible for both discounts, the Student Away form Home Discount will apply. K. Shop Smart Discount The Shop Smart Discount applies if a new business policy is submitted to Commerce at least 7 days prior to the policy effective date. Eligible policyholders must have prior insurance with a company other than Commerce, for a minimum of 6 months, and must have no prior lapse in coverage. In addition, an eligible policy must include vehicles of the private passenger type as defined in Rule 27. or motor homes/camper bodies as defined in Rule 39. Vehicles classified as antiques, motorcycles and miscellaneous motor vehicle types (with the exception of motor homes/camper bodies as defined in Rule 39) are not eligible to receive this discount. A Shop Smart Discount will continue to apply upon the first and second renewal. A discount of the premium applicable for Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12 will be given to eligible policyholders. Refer to the Miscellaneous Rating Factors page for applicable discount. Filing # Overall % Rate Impact 0% Forms: Com-Pack Endorsement Form CIC /08 Supplemental Application Ways to Save Consumer Notification Supplemental Application for MA MV Ins. With MAIP Advisory Notice Removal of Com-Pack Endorsement December 1, 2008 New & Renewal Business had Multiple Filings Filing # Overall % Rate Impact 0% Rule 37. Optional Coverage Revised to introduce Auto Loan/Lease Coverage CIC 2125 Charge 5% for Collision (part 7) and Comprehensive (Part 9) premiums for the Auto Loan/ Lease Coverage Index Updated Index includes all company specific forms. Filing # Overall % Rate Impact 0% Forms: Auto Loan/ Lease Coverage CIC /08 Supplementary Application CIC-2115 includes new question Loan/Lease coverage Ways to Save Consumer Notification
5 Filing 08NOV Overall % Rate Impact 0% Com-Pack Endorsement CIC /08. Changed name of this endorsement to Commerce Elite Package Endorsement Rule 37. Optional Coverage Change name of Com-Pack End to Commerce Elite Package End Forms: Advisory Notice to Policyholders Removal of Com-Pack End CIC /08...changed name to Commerce Elite Package Endorsement. Supplementary Application CIC /08 has been changed to reference Commerce Elite Package Endorsement. Ways to Save January 1, 2009 New Business Filing CIC Overall % Rate Impact 0% April 1, 2009 New & Renewal Business has Multiple Filings Filing 08NOV12165 Overall % Rate Impact 0% Forms: AIB MA Auto Policy (2008 Edition) Specific AIB 2008 Endorsements AIB 2008 MA Renewal Form Coverage Selections Page 2008 NB Application CIC 522 (4/09) AAA Member Package Endorsement CIC-2114 (4/09) Supplemental Application CIC-2115 (4/09) MAIP Supplemental Application CIC-2115 (4/09) M-0051-S Policyholder Notice CIC-2135 (4/09) Ways to Save Commerce Elite Package Endorsement CIC-2126 (4/09) Filing 09NOV12376 Overall % Rate Impact -4.5% Manual Rules and Rates Overall rate decreased from Commerce s 2008 rates of 4.5% Rule 2. Coverages and Limits Part 8 Limited Collision: Added For the $500 deductible charge 7.5% of the Collision manual rate for the made model year and symbol. A deductible of $300 is available subject to underwriting requirements. Higher deductibles are available at the option on the insured. Rule 4. Standard Procedures D. Transfer of Insurer has been replaced with the following: 1. For vehicles being transferred to Commerce, a completed new business application, providing the information necessary for Commerce to transmit data to the Registry of Motor Vehicles for each vehicle insured is required. 2. It is the responsibility of the producer of record to notify the former producer of the transfer of insurance. A. The notice must be signed by the producer of record for the new policy or the notice must be on the company s letterhead, if it is issued by the new insurer;
6 and B. The notice must bear the registry stamp of the new insurer. The stamp may be in electronic format. 3. When Commerce receives a Notice of Transfer of Insurer, Commerce will: A. discontinue coverage as of the date shown on a Notice of Transfer of Insurer; B. Compute the return premium, if any, as of the date shown on a Notice of Transfer of Insurer; and C. Notify the former producer, if any, of the transfer of coverage. No notice of cancellation is required. Rule 6. Out-of-State Garaging Added language: Any motor vehicle, whether owned by a resident or non-resident of Massachusetts for which Massachusetts registration is required, principally garaged outside of Massachusetts, will be written at limits of liability at least equal to the financial responsibility limits of the state of principal garaging and will be charged the rates for vehicles garaged in Connecticut, Maine, New Hampshire, New York, Rhode Island, Vermont and other. Rule 8. Changes Minimum Premiums have been increased form $5 to $10 Rule 11. Premium Calculation Rule Added #7. Apply the appropriate rating factor under Rule 26. Loyalty Plus Factor, to the premium for Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12. Rule 19. Discounts Multi-Car increased from 5% to 8% Account Discount increased to all for 8% discount. Language added regarding eligibility. Annual Mileage 0 5,000 has been increased to 12% Loyalty Discount Removed from Rule 19 and is now accounted within the Loyalty Plus Factor in Rule 26. Public Transit has been withdrawn Rule 23. High Theft Vehicle & Rule 54. Anti-Theft Devise Standards and Discounts Designation of High Theft Vehicles and Prescribed Anti Theft or Auto Recovery Devices, Commerce has revised Rule 54 to include Chip Key as a qualifying anti-theft devise under Category III. Rule 26. Additional Company Rating Rules Driver Vehicle Factor will now be adjusted throughout the policy term as vehicles and drivers are added and or deleted. Loyalty Plus Factor (NEW) 1. The Loyalty Plus Factor (LPF) will be applied on a vehicle level basis to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9. 10, 11 and 12. This factor will apply to all vehicle types. The LPF will be updated (1) upon renewal and (2) with any endorsement activity that impacts SDIP and/or Years Licensed. The LPF will apply to a vehicle given the specific combination of the following risk characteristics of the vehicle being rated: A. The applicable Years licensed group for the assigned driver
7 B. The applicable SDIP Group as determined by the SDIP Points reported by the Merit Rating Board for the assigned driver C. The applicable Loyalty group which is determined by the number of consecutive years the policy has maintained uninterrupted Personal Automobile Coverage with Commerce. D. Presences of AAA Membership, including the number of years the insured has been a AAA Member. 2. Apply the appropriate Loyalty Plus Factor (LPF) shown below in accordance to Rule 11. Premium Calculation. See Manual and Rule 26 for the chart. Rule 28. Private Passenger Classification Will include number of years licensed when determining the Assignment of Operators to Autos as outlined in section B., Operators within this rule. Rule 35. AAA Member Package Endorsement Added Two paragraphs to this rule: The coverage provided by this endorsement applies only if the policyholder is a AAA Member and the policy was not assigned to Commerce through the Massachusetts Automobile Insurance Plan. The additional benefits and enhancements provided by this endorsement are available at no additional premium. All policies subject to this rule will contain the endorsement entitled AAA Member Package Endorsement, CIC If the insured is eligible under the policy to receive the Commerce VIP Package Endorsement, CIC-2123, the VIP Package Endorsement super cedes the AAA Member Package Endorsement. Refer to Rule 36 for eligibility and coverage. Rule 37. Optional Coverage Auto Loan Lease Coverage revised to include coverage when a vehicle is written on a NB policy provided the vehicle has the same coverage on a previous policy and is 5 model years old or less. Rule 41. Stated Amount Coverage 1. added language: The cost of the appraisal will be borne by the policyholder. Rule 50. Use of Other Automobiles Endorsement M-0052-S Use of Other Automobiles Vehicles Furnished or Available For Use as Public or Livery Conveyances has been withdrawn. Rule 54. Anti-Theft Device Standards and Discounts. Category III Added Chip Key (k) Chip Key This device allows only the correct ignition key(s) to start the engine. The system prevents the motor vehicle from being started unless the key to the ignition system enables the correct signal. The three types of systems that qualify are: 1. Transponder immobilizer system: system must detect the proper transponder value form the chip in the key in order to star the engine. 2. VATS/PASS-Key system: system must detect the proper resistance value in the key in order to start the engine. 3. Passlock system: system must detect the proper R-code within the ignition lock or ignition switch to start the engine. This system does not have a chip in the key. The key turns the Passlock cylinder which provides the R-Code.
8 Rule 55. Pre-Insurance Inspection Program Waiver of Inspection Removed language: An inspection may also be deferred for applicants ceded to Commonwealth Automobile Reinsurers. Rule 56. Merit Rating Plan Excellent Driver Discount Plus increased from 17% to 20% Excellent Driver Discount Coverage Part 4 credit factor has been increased from 7% to 8%. Motorcycles Rates will be filed under separate cover Alphabetical Index of Endorsements Removed: Use of Other Autos Vehicles Furnished or Available for Use as Public or Livery Conveyances M-0052-S (Ed. 04/08) Private Passenger Forms Removed: Massachusetts Motor Vehicle Liability Bond Filing 09DEC02896 Overall % Rate Impact 3.0% Motorcycle Manual Filing Decrease Group D base premiums by 3.0% and increase Group C bas premiums by 5.0% for coverage parts 1, 2, 4 & 5 and to decrease base premiums for all for Coverage Parts 7, 8 & 9 by 3.0%. They will also incorporate the same merit rating factors as in the Private Passenger Auto Filing. Filing RULE-COMM Overall % Rate Impact 0% Payment Plan see manual rule for details. Filing 09FEB03149 Overall % Rate Impact 0% 2009 August 1, 2009 New & Renewal Business Filing 09MAR02442 Overall % Rate Impact 0% Forms VIP Advisory Notice when endorsement is removed form policy due to eligibility. Notice of Nonrenewal adopting recently approved 2009 AIB notice. May 1, 2009 New & Renewal Business Filing 09MAR10184 Overall % Rate Impact 0% Forms Notice of Nonrenewal MAP CIC2145 amending the effective date from 8/1/08 to 5/1/09. April 1, 2009 New & Renewal Business Filing 09APR01454 Overall % Rate Impact 0% May 1, 2009 New & Renewal Business Filing 09APR13535 Overall % Rate Impact 0% 2 Forms: Notice of Cancellation CIC-9001 and Statutory Notice of Cancellation AL-9666e
9 June 1, 2009 New Business Filing # 09MAY21195 Overall % Rate Impact 0%...list was not made available July 1, 2009 New Business Filing # 09JUN12328 Overall % Rate Impact 0% September 1, 2009 New Business & November 1, 2009 Renewal Business Multiple Filings for these dates. Filing # 09JUN18747 Overall % Rate Impact 0% Pay Plan Filing #09JUN18815 Overall % Rate Impact 0% Installment Fee Filing # 09JUN16430 Overall % Rate Impact +0.1% Forms: Supplemental Application Ways to Save Guide Manual: Rule 11. Premium Calculation Rule New Chart has been added along with an explanation of steps See manual for detail. Rule 19. Discounts (1 New Discount) B. Account Discount 1. removed motorcycle G. Shop Smart Discount replaced with the following: The Shop Smart Discount applies to new business policies provided the following criteria are met: 1. Eligible policyholders must have prior insurance with a company other than Commerce, for a minimum of 6 months; and 2. Eligible policyholders must have no prior lapse in coverage within the last 3 years. If the above two criteria are met and the policyholder has been at the same residence: 1. for 7 or more years; or 2. Less than 7 years, and has a policy that was submitted to Commerce at least 7 days prior to the policy effective date then the Shop Smart Discount will apply. In addition, an eligible policy must include vehicles of the private passenger type as defined in Rule 27 or motor homes/camper bodies as defined in Rule 39. Vehicles classified as antiques, motorcycles and miscellaneous motor vehicle types (with the exception of motor homes/camper bodies as defined in Rule 39) are not eligible to receive this discount. A Shop Smart Discount will continue to apply upon the first and second renewal. A discount of the premium applicable for Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 & 121 will be given to eligible policyholders. Refer to the Miscellaneous Rating Factors Page for applicable discount.
10 J. Paid in Full Discount (NEW) The Paid-in-Full Discount applies to CGI system generated policies where the annual policy premium is paid in full, subject to the following: For new business, payment must be made in full upon down payment. For renewal business, payment must be made in full upon the first installment due date. Finance company payments do not qualify for the Paid-in-Full Discount. The discount will be applied to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 & 12. Refer to the Miscellaneous Rating Factors page for applicable discount. Rule 26. Company Rating Rules B. Risk Factor Added Language...see manual and chart for specific detail. Rule 28. Private Passenger Classifications B. Operators 1. Assignment of Operators to Automobiles iii added language: A Deferred Operator is defined as a listed, non-rated operator who is a member of the named insured s household whose rate classification and Merit Rating is applied to an automobile covered by another active Massachusetts Private Passenger Automobile policy. In addition, an insured must provide a copy of the most recent declarations page for the alternate policy as documentation to support the deferral status. 2. Excluded Operator added language: If any operator excluded as a result of such signed statement operates the automobile, the appropriate operator classification premium for the full policy period may be charged unless a collision or limited collision claim has been denied in accordance with the provisions of the policy because the excluded operator was driving the automobile at the time of the accident. 3. Driving Experience (formerly in Rule 56) All new: An operator new to Massachusetts must provide evidence of licensure from the state or country where the operator was previously licensed in order to assign the correct operator classification under this rule. If electronically available, Commerce will be responsible for obtaining the motor vehicle operator report from the other state or country. If necessary, a certified English translation maybe required. No operator will be assigned to Class 10 unless the operator has six or more years of driving experience. The classification assigned to the operator is based on the number of years licensed in the other state or country and the completion of driving training, as established by the evidence of licensure. If no evidence of prior licensure is available, the operator may be assigned to Class 20 (inexperienced principal operator, licensed less than three years, no driver training) or Class 21 (inexperienced occasional operator, licensed less than three years, no driver training). The Massachusetts driving experience will be used thereafter to assign the operator classification.
11 Rule 40. Antique Motor Cars Added the following: Antique Motor Vehicles are not eligible to receive Coverage Part 10, Substitute Transportation and Part 11, Towing and Labor. An Antique Motorcycle is rated as follows: 1. For Coverage Parts 1, 2, 4 and 5, charge a percentage of the otherwise applicable motorcycle base premium in accordance with the motorcycle premium calculation rule. 2. For coverage parts 3, 6 and 12 charge the applicable motorcycle premium in accordance with the motorcycle premium calculation rule. 3. For coverage parts 7, 8 and 9 determine the symbol based on the appraised value. Then charge a percentage of the Territory 1 base premium in accordance with the motorcycle premium calculation rule. Private Passenger Forms Revised: Statutory Notice of Cancellation of the MA MV Liability Policy edition date (4/09) NEW: Legal Notice of Non-Renewal of Your MA Auto Ins. Policy CIC-2145 (4/09) December 1, 2009 New & Renewal Business Filing #09JUL22668 Overall Rate Impact 0% Declaration Page August 15, 2009 New & Renewal Business Filing # 09JUL30669 Overall Rate Impact 0% September 25, 2009 New Business Filing # 09SEP15464 Overall Rate Impact 0% EFT Payment Plan December 1, 2009 New & Renewal Business Filing # 09SEP17351 Overall Rate Impact 0% Rule 55 Pre-Insurance Inspection. Added a 3rd. Eligibility requirement when an applicant or rated operator has Merit Rating Code of 16 through 45. October 1, 2009 New & Renewal Business Filing # 09SEP18983 Overall Rate Impact 0% November 1, 2009 New & Renewal Business Filing # 09OCT21423 Overall Rate Impact 0% January 4, 2010 New & Renewal Business Multiple Filings with this date. Filing # 09OCT23463 Overall Rate Impact 0% Installment plan. Changed the $25 Late fee to a $25 Cancellation fee. Filing # 09OCT Overall Rate Impact 0% Late Fee a $5 Late Fee when payment is not received within five days after the due date listed on the bill.
12 December 15, 2009 New & Renewal Business Filing # 09DEC03916 Overall Rate Impact 0% April 1, 2010 New & Renewal Business Filing # 09NOV16172 Overall Rate Impact 3.5% Rule 10. Certified Risks Financial Responsibility Laws B. Additional Premium Percentages. changed % of applicable premium from 5% to 7%. Rule 11. Premium Calculation Rule Explanation of MAIP Capping Added Coverage Capping Factors in Table C&D Rule 19. Discounts E. Annual Mileage Discount change categories from two to four for the mileage discount. J. Paid in Full Discount removed exception #3. K. Smart Driver Discount NEW DISCOUNT A Smart Driver Discount will apply if an eligible rated operator has completed a company approved Advanced Driver Training Program or the teensmart Training Program. See manual for specific guidelines and Factor Charts. Rule 26. Company Rating Rules D. Loyalty Plus Factor 1 c. added listed driver as well as added charts. E. Household Level Factor NEW 1. the Household Factor (HF) will be applied on a policy level basis to Coverage Parts 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 and 12. This factor will apply to all vehicle types, except antique vehicles and trailers. See Manual for specific guidelines and Factor Charts. Rule 35. AAA Member Package Endorsement This VIP Package Endorsement supersedes the AAA Member Package Endorsement Forms Coverage Selection Page Edition has been updated to 4/10 Base Rate Pages for all coverage parts have been updated see R1 R-50 Motorcycle Territory Definitions and Rates A. Premium Calculation Rule Discounts/Loyalty Plus Factor; 6. added household. Pg. MR-1 Miscellaneous Rating Factors added Annual Mileage options and Smart Driver Discount options. Forms: Supplemental Application for MA Auto ; Coverage Selections Page January 27, 2010 New & Renewal Business Filing CIC Overall Rate Impact 0% Group April 1, 2010 New & Renewal Business Filing# 10FEB02261 Overall Rate Impact 0% Group