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					                                                                     TERRITORY 38 - SYRACUSE SUBURBAN
                                                                            (See Appendix III for a detailed description of the Territory)

                                                                            REPRESENTATIVE ANNUAL PREMIUMS
                                                                                     UNMARRIED MALE, AGE 20
                                                                     REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                    $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                        AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                  TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                       COMPRE-                                       BODILY

                                                    FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                     COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                     $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                        1,188             279                   2,247                     300                    37               51
ALLSTATE PROP & CAS INS CO               1, 8              424              156                     656                       73                    6                9
AMICA MUT INS CO                         1, 8              893                60                    927                     226                    22               13
AUTOONE INS CO                           1, 3             1,073             206                   2,085                     272                    34               42
AUTOONE SELECT INS CO                     1               1,370             201                   2,184                     215                    54               26
ERIE INS CO                              1, 8             1,213             293                   1,182                     223                    46               12
ERIE INS CO OF NY                        1, 8             1,384             333                   1,346                     258                    52               13
EVEREADY INS CO                                           1,129             207                     915                     292                    25               47
GEICO GENERAL INS CO                     1, 8              390                67                    650                       78                    7               11
GEICO IND CO                             1, 8              643                74                    788                     154                    25               13
GOVERNMENT EMPLOYEES INS CO              1, 8              390                67                    650                       78                    7               11
LIBERTY MUT FIRE INS CO                 1, 2, 8           1,491             173                   1,952                     286 See Note 2                          17
MERCHANTS MUTUAL INS CO                                    928              161                     904                     112                    31               12
MERCHANTS PREFERRED INS CO                                 846                96                    667                       92                   27               12
METROPOLITAN CAS INS CO                  1, 8             1,270             159                   1,030                     142                    51               57
METROPOLITAN GRP PROP & CAS INS CO       1, 8             1,309             217                   1,229                       94                   50               40
NATIONWIDE INS CO OF AMER                1, 8             1,079             149                   1,211                     214                    35               29
NEW SOUTH INS CO                          1               1,123             182                   1,465                     279                    40               27
NEW YORK CENTRAL MUT FIRE INS CO          1                995              100                     751                     121                    64               13
PREFERRED MUT INS CO                      1               1,624             303                   1,909                     362                    53               13
PROGRESSIVE DIRECT INS CO                1, 8              797                89                  1,181                     140                    34               24
PROGRESSIVE PREFERRED INS CO             1, 8             1,246             189                   1,838                     264                    42               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           2,306             445                   2,233                     275                    29           127
STATE FARM FIRE AND CAS CO              1, 5, 8            877              218                   1,245                     203 See Note 5                          28
STATE FARM MUT AUTO INS CO              1, 5, 8            789              218                   1,120                     182 See Note 5                          23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8           1,186             185                     791 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8            745              107                     644                     150                    20               13
USAA CASUALTY INS CO                    1, 6, 8            534              260                     841                     116                    14                7
WARNER INS CO                            1, 8             2,414             460                   2,337                     283                    30           127
                                                                     TERRITORY 38 - SYRACUSE SUBURBAN
                                                                            (See Appendix III for a detailed description of the Territory)

                                                                            REPRESENTATIVE ANNUAL PREMIUMS
                                                                                   UNMARRIED FEMALE, AGE 20
                                                                     REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                    $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                        AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                  TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                       COMPRE-                                       BODILY

                                                    FOR            HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                     COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED           WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                     $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES       DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                         791              279                   1,535                     219                    24               51
ALLSTATE PROP & CAS INS CO               1, 8              410              114                     482                       67                    0                9
AMICA MUT INS CO                         1, 8              650                41                    660                     168                    15               13
AUTOONE INS CO                           1, 3              714              206                   1,424                     197                    22               42
AUTOONE SELECT INS CO                     1               1,161             145                   1,489                     172                    40               26
ERIE INS CO                              1, 8              651              161                     627                     149                    24               12
ERIE INS CO OF NY                        1, 8              741              183                     715                     173                    28               13
EVEREADY INS CO                                            992              207                     797                     264                    24               47
GEICO GENERAL INS CO                     1, 8              322                56                    501                       63                    6               11
GEICO IND CO                             1, 8              541                66                    611                     134                    21               13
GOVERNMENT EMPLOYEES INS CO              1, 8              322                56                    501                       63                    6               11
LIBERTY MUT FIRE INS CO                 1, 2, 8            895              104                   1,131                     172 See Note 2                          17
MERCHANTS MUTUAL INS CO                                    811                98                    763                       99                   26               12
MERCHANTS PREFERRED INS CO                                 756                61                    573                       83                   22               12
METROPOLITAN CAS INS CO                  1, 8              988              118                     790                     115                    41               42
METROPOLITAN GRP PROP & CAS INS CO       1, 8              863              175                     799                       66                   32               24
NATIONWIDE INS CO OF AMER                1, 8              938              112                     995                     180                    29               29
NEW SOUTH INS CO                          1               1,008             137                     976                     237                    31               33
NEW YORK CENTRAL MUT FIRE INS CO          1                635                59                    471                       90                   40               13
PREFERRED MUT INS CO                      1               1,289             177                   1,499                     290                    41               13
PROGRESSIVE DIRECT INS CO                1, 8              776                66                    989                     131                    31               24
PROGRESSIVE PREFERRED INS CO             1, 8             1,105             137                   1,242                     224                    35               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           1,454             296                   1,385                     186                    18               78
STATE FARM FIRE AND CAS CO              1, 5, 8            743              177                   1,055                     176 See Note 5                          28
STATE FARM MUT AUTO INS CO              1, 5, 8            670              177                     949                     157 See Note 5                          23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8            902              148                     608 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8            444                62                    374                       90                   11               13
USAA CASUALTY INS CO                    1, 6, 8            328              139                     484                       74                    8                7
WARNER INS CO                            1, 8             1,520             306                   1,449                     192                    19               78
                                                                   TERRITORY 38 - SYRACUSE SUBURBAN
                                                                          (See Appendix III for a detailed description of the Territory)

                                                                          REPRESENTATIVE ANNUAL PREMIUMS
                                                                                       ADULT MALE, AGE 35
                                                                   REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                  $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                      AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                     COMPRE-                                       BODILY

                                                    FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                   $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES     DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                        752             279                   1,218                     211                    23               51
ALLSTATE PROP & CAS INS CO               1, 8             274               78                    214                       55                    2                7
AMICA MUT INS CO                         1, 8             349               43                    327                       77                    8               13
AUTOONE INS CO                           1, 3             679             206                   1,130                     190                    21               42
AUTOONE SELECT INS CO                     1               750             136                     825                     113                    21               26
ERIE INS CO                              1, 8             370             106                     349                     109                    15               12
ERIE INS CO OF NY                        1, 8             482             138                     458                     139                    17               13
EVEREADY INS CO                                           947             207                     655                     256                    22               47
GEICO GENERAL INS CO                     1, 8             227               41                    338                       44                    4               11
GEICO IND CO                             1, 8             371               57                    394                     101                    14               13
GOVERNMENT EMPLOYEES INS CO              1, 8             227               41                    338                       44                    4               11
LIBERTY MUT FIRE INS CO                 1, 2, 8           487               68                    569                       94 See Note 2                         17
MERCHANTS MUTUAL INS CO                                   520             107                     423                       71                   14               12
MERCHANTS PREFERRED INS CO                                484               65                    291                       59                   11               12
METROPOLITAN CAS INS CO                  1, 8             504               66                    387                       64                   17               22
METROPOLITAN GRP PROP & CAS INS CO       1, 8             559             125                     505                       50                   20               16
NATIONWIDE INS CO OF AMER                1, 8             435               82                    404                       87                   11               29
NEW SOUTH INS CO                          1               479               86                    439                     109                    12               16
NEW YORK CENTRAL MUT FIRE INS CO          1               389               64                    282                       69                   24               13
PREFERRED MUT INS CO                     1, 7             498             148                     538 See Note 7                 See Note 7                       13
PROGRESSIVE DIRECT INS CO                1, 8             351               35                    326                       54                   11               24
PROGRESSIVE PREFERRED INS CO             1, 8             463             106                     510                       93                   12               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           378               83                    266                       76                    4               17
STATE FARM FIRE AND CAS CO              1, 5, 8           389             100                     546                     101 See Note 5                          28
STATE FARM MUT AUTO INS CO              1, 5, 8           350             100                     492                       90 See Note 5                         23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8           556             125                     380 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8           363               58                    300                       73                    8               13
USAA CASUALTY INS CO                    1, 6, 8           271             128                     386                       63                    7                7
WARNER INS CO                            1, 8             393               85                    277                       77                    4               17
                                                                   TERRITORY 38 - SYRACUSE SUBURBAN
                                                                          (See Appendix III for a detailed description of the Territory)

                                                                          REPRESENTATIVE ANNUAL PREMIUMS
                                                                                     ADULT FEMALE, AGE 35
                                                                   REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                  $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                      AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                     COMPRE-                                       BODILY

                                                    FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                   $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES     DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                        752             279                   1,218                     211                    23               51
ALLSTATE PROP & CAS INS CO               1, 8             274               78                    214                       55                    2                7
AMICA MUT INS CO                         1, 8             349               39                    327                       76                    8               13
AUTOONE INS CO                           1, 3             679             206                   1,130                     190                    21               42
AUTOONE SELECT INS CO                     1               753             128                     848                     111                    21               26
ERIE INS CO                              1, 8             370             106                     349                     109                    15               12
ERIE INS CO OF NY                        1, 8             482             138                     458                     139                    17               13
EVEREADY INS CO                                           947             207                     655                     256                    22               47
GEICO GENERAL INS CO                     1, 8             227               41                    338                       44                    4               11
GEICO IND CO                             1, 8             354               57                    374                       97                   13               13
GOVERNMENT EMPLOYEES INS CO              1, 8             227               41                    338                       44                    4               11
LIBERTY MUT FIRE INS CO                 1, 2, 8           487               68                    569                       94 See Note 2                         17
MERCHANTS MUTUAL INS CO                                   538               90                    443                       72                   15               12
MERCHANTS PREFERRED INS CO                                496               57                    304                       60                   11               12
METROPOLITAN CAS INS CO                  1, 8             504               66                    387                       64                   17               22
METROPOLITAN GRP PROP & CAS INS CO       1, 8             559             125                     505                       50                   20               16
NATIONWIDE INS CO OF AMER                1, 8             449               79                    404                       87                   11               29
NEW SOUTH INS CO                          1               459               79                    428                     104                    12               16
NEW YORK CENTRAL MUT FIRE INS CO          1               389               64                    282                       69                   24               13
PREFERRED MUT INS CO                     1, 7             522             148                     566 See Note 7                 See Note 7                       13
PROGRESSIVE DIRECT INS CO                1, 8             352               32                    330                       54                   11               24
PROGRESSIVE PREFERRED INS CO             1, 8             464             104                     551                       95                   12               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           378               83                    266                       76                    4               17
STATE FARM FIRE AND CAS CO              1, 5, 8           389             100                     546                     101 See Note 5                          28
STATE FARM MUT AUTO INS CO              1, 5, 8           350             100                     492                       90 See Note 5                         23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8           556             125                     380 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8           363               58                    300                       73                    8               13
USAA CASUALTY INS CO                    1, 6, 8           271             128                     386                       63                    7                7
WARNER INS CO                            1, 8             393               85                    277                       77                    4               17
                                                                   TERRITORY 38 - SYRACUSE SUBURBAN
                                                                          (See Appendix III for a detailed description of the Territory)

                                                                          REPRESENTATIVE ANNUAL PREMIUMS
                                                                                      RETIRED MALE, AGE 69
                                                                   REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                  $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                      AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                     COMPRE-                                       BODILY

                                                    FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                   $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES     DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                        659             279                   1,157                     192                    20               51
ALLSTATE PROP & CAS INS CO               1, 8             284               60                    192                       55                    4                7
AMICA MUT INS CO                         1, 8             325               32                    300                       72                    6               13
AUTOONE INS CO                           1, 3             595             206                   1,074                     172                    19               42
AUTOONE SELECT INS CO                     1               881             100                     848                     142                    31               26
ERIE INS CO                              1, 8             383             109                     362                     112                    14               12
ERIE INS CO OF NY                        1, 8             459             130                     435                     135                    15               13
EVEREADY INS CO                                           834             207                     623                     231                    20               48
GEICO GENERAL INS CO                     1, 8             190               36                    269                       36                    3               11
GEICO IND CO                             1, 8             371               57                    394                     101                    14               13
GOVERNMENT EMPLOYEES INS CO              1, 8             190               36                    269                       36                    3               11
LIBERTY MUT FIRE INS CO                 1, 2, 8           430               62                    490                       83 See Note 2                         17
MERCHANTS MUTUAL INS CO                                   470               65                    362                       65                   12               12
MERCHANTS PREFERRED INS CO                                444               42                    251                       57                    9               12
METROPOLITAN CAS INS CO                  1, 8             418               60                    314                       55                   15               18
METROPOLITAN GRP PROP & CAS INS CO       1, 8             435               93                    389                       42                   16               14
NATIONWIDE INS CO OF AMER                1, 8             421               65                    393                       85                   10               29
NEW SOUTH INS CO                          1               549               68                    452                     133                    18               14
NEW YORK CENTRAL MUT FIRE INS CO          1               292               36                    206                       59                   18               13
PREFERRED MUT INS CO                     1, 7             422               92                    443 See Note 7                 See Note 7                       13
PROGRESSIVE DIRECT INS CO                1, 8             398               28                    348                       65                   14               24
PROGRESSIVE PREFERRED INS CO             1, 8             512               87                    561                     108                    15               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           351               78                    242                       72                    3               15
STATE FARM FIRE AND CAS CO              1, 5, 8           342               83                    480                       91 See Note 5                         28
STATE FARM MUT AUTO INS CO              1, 5, 8           309               83                    432                       81 See Note 5                         23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8           517               88                    354 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8           293               43                    238                       60                    7               13
USAA CASUALTY INS CO                    1, 6, 8           224               86                    305                       53                    5                7
WARNER INS CO                            1, 8             363               80                    252                       73                    4               15
                                                                   TERRITORY 38 - SYRACUSE SUBURBAN
                                                                          (See Appendix III for a detailed description of the Territory)

                                                                          REPRESENTATIVE ANNUAL PREMIUMS
                                                                                    RETIRED FEMALE, AGE 69
                                                                   REQUIRED COVERAGE INCLUDES $25,000/$50,000 BODILY INJURY

                                                                  $25,000/$50,000 UNINSURED MOTORIST, $10,000 PROPERTY DAMAGE

                                                                      AND $50,000 PERSONAL INJURY PROTECTION COVERAGES.




                                                   PREMIUM                TO ADD                                                   TO INCREASE

                 INSURANCE               SEE                     COMPRE-                                       BODILY

                                                    FOR          HENSIVE             COLLISION                 INJURY               PROPERTY

                  COMPANY               NOTES                   COVERAGE            COVERAGE                   & SUM                  DAMAGE          NO-FAULT

                                                  REQUIRED         WITH                  WITH               COVERAGE                COVERAGE          COVERAGE

                                                                   $200                  $200               TO $100,000/                   TO            TO

                                                  COVERAGES     DEDUCTIBLE         DEDUCTIBLE                 $300,000                 $50,000         $100,000

ASSIGNED RISK PLAN                                        659             279                   1,157                     192                    20               51
ALLSTATE PROP & CAS INS CO               1, 8             284               60                    192                       55                    4                7
AMICA MUT INS CO                         1, 8             325               32                    300                       72                    6               13
AUTOONE INS CO                           1, 3             595             206                   1,074                     172                    19               42
AUTOONE SELECT INS CO                     1               794               81                    714                     134                    28               26
ERIE INS CO                              1, 8             383             109                     362                     112                    14               12
ERIE INS CO OF NY                        1, 8             459             130                     435                     135                    15               13
EVEREADY INS CO                                           834             207                     623                     231                    20               48
GEICO GENERAL INS CO                     1, 8             169               31                    232                       33                    2               11
GEICO IND CO                             1, 8             371               57                    394                     101                    14               13
GOVERNMENT EMPLOYEES INS CO              1, 8             169               31                    232                       33                    2               11
LIBERTY MUT FIRE INS CO                 1, 2, 8           430               62                    490                       83 See Note 2                         17
MERCHANTS MUTUAL INS CO                                   470               65                    362                       65                   12               12
MERCHANTS PREFERRED INS CO                                444               42                    251                       57                    9               12
METROPOLITAN CAS INS CO                  1, 8             418               60                    314                       55                   15               18
METROPOLITAN GRP PROP & CAS INS CO       1, 8             435               93                    389                       42                   16               14
NATIONWIDE INS CO OF AMER                1, 8             434               62                    400                       86                   11               29
NEW SOUTH INS CO                          1               487               57                    397                     124                    16               11
NEW YORK CENTRAL MUT FIRE INS CO          1               292               36                    206                       59                   18               13
PREFERRED MUT INS CO                     1, 7             422               92                    443 See Note 7                 See Note 7                       13
PROGRESSIVE DIRECT INS CO                1, 8             376               19                    314                       61                   12               24
PROGRESSIVE PREFERRED INS CO             1, 8             453               84                    505                     101                    14               31
RESPONSE WORLDWIDE DIRECT AUTO INS CO   1, 8, 9           351               78                    242                       72                    3               15
STATE FARM FIRE AND CAS CO              1, 5, 8           342               83                    480                       91 See Note 5                         28
STATE FARM MUT AUTO INS CO              1, 5, 8           309               83                    432                       81 See Note 5                         23
TRAVELERS PROPERTY CAS CO OF AMER       1, 4, 8           517               88                    354 See Note 4                 See Note 4                       11
UNITED SERVICES AUTO ASSOC              1, 6, 8           293               43                    238                       60                    7               13
USAA CASUALTY INS CO                    1, 6, 8           224               86                    305                       53                    5                7
WARNER INS CO                            1, 8             363               80                    252                       73                    4               15

				
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