Private Passenger Auto Insurance Premium Comparison

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					November 2000                                                       §   up to $25 per person per day to cover essential services
  Auto Insurance Premium Comparison                                     (services the injured person would have otherwise
                                                                        performed prior to the accident, such as cooking and
   A SURVEY OF PRIVATE PASSENGER AUTOMOBILE                             cleaning) for a maximum of one year;
         INSURANCE COSTS IN COLORADO                                §   $1,000 per person death benefit.
                       A publication of the                         Uninsured Motorist/Underinsured Motorist
                Department of Regulatory Agencies
                  Colorado Division of Insurance
                      William J. Kirven III
                                                                    T   he “uninsured motorist” portion of this coverage is for
                                                                        your bodily injury losses caused by a hit-and-run driver or
                   Commissioner of Insurance                        a driver who has no automobile liability insurance. This
                    1560 Broadway, Suite 850                        coverage takes the place of insurance the other driver should
                       Denver, CO 80202                             have purchased.
                         303-894-7490                                   The “underinsured motorist” portion of this coverage is for
                         800-930-3745                               bodily injury losses which you are legally entitled to collect
                  www.dora.state.co.us/insurance
                                                                    from the owner or driver of an underinsured vehicle. An
About this guide                                                    underinsured vehicle is a vehicle that is insured, but the bodily
    o use this guide effectively you need to choose which of        injury liability limits (see Liability) of that vehicle’s policy are
T   the four drivers (driver A, B, C or D) most closely compares    less than the limits of your uninsured/underinsured motorist
                                                                    coverage. The minimum amount of uninsured/underinsured
to you and then determine the category that reflects your
experience as a driver. Preferred programs are for drivers with     motorist coverage, unless waived by the policyholder, is as
the best driving records, standard programs are for drivers with    follows:
average driving records and non-standard programs are for           § $25,000 per person for uninsured/underinsured motorist;
drivers with poor driving records.                                  § $50,000 per accident for uninsured/underinsured motorist.
     The premiums quoted in this guide were drawn from a            Uninsured Motorist Property Damage
survey of 2000 premiums and are based on a 4-door sedan,
1999 Ford Taurus LX. All premiums in this guide are for a
coverage period of six months and reflect a comprehensive
                                                                    T   his is an optional coverage you can request if you do not
                                                                        have collision coverage on your vehicle. Uninsured
                                                                    Motorist Property Damage (UMPD) pays for damages to your
deductible of $250 and collision deductible of $250.                vehicle caused by an at fault owner of an uninsured motor
     Coverage limits for the vehicle are the minimum required       vehicle. UMPD will not pay if the vehicles did not touch, the
by law, unless otherwise noted. Read the explanations below         damages are payable under other insurance or for the loss of
for a careful examination of these minimum coverages. The           use of the vehicle.
Division does not recommend the purchase of only statutory
minimums of insurance. Each individual and family must                What are collision and comprehensive insurance?
determine the appropriate amount of insurance to purchase.

  W HAT ARE THE MINIMUM COVERAGES REQUIRED BY LAW?
                                                                    C    ollision insurance pays for damages to your car when
                                                                         caused by collision with another vehicle or object or by a
                                                                    rollover. Collision insurance is not required by law, but is
C   olorado law mandates that automobile insurance policies
    sold in the state provide:
                                                                    typically purchased for late model vehicles and is often
                                                                    required by lenders as a condition to financing the vehicle.
§    liability insurance;                                           Comprehensive insurance protects you against damage to
§    personal injury protection (PIP), and                          your own car from such perils as fire, theft, glass damage, hail,
§    uninsured/underinsured motorist coverage.                      windstorm, flood, vandalism and other causes. Comprehensive
This can be waived only if it has been rejected in writing by the   insurance is also not required by law.
insured. The definitions below provide more detail on each
type of insurance required by Colorado statutes.                                  TIPS FOR LOWERING YOUR PREMIUM

Liability                                                           þ   Shop around. Use the information in this guide.

L   iability insurance is generally defined as coverage for
    bodily injury you cause to another person or for property
                                                                    þ
                                                                    þ
                                                                        Maintain a good driving record.
                                                                        Take the highest deductible you can afford on your collision and
damage you cause to another’s property through negligent                comprehensive coverage.
operation of your vehicle. Liability insurance also affords         þ   Before buying a vehicle, determine the cost of insuring it.
coverage if the accident was caused by a member of your             þ   Consider carrying only personal injury protection and liability
household driving your vehicle or by a person using your                insurance on vehicles with a market value of less than $1,000.
vehicle with your consent. The minimum amount of liability          þ   Ask your company or agent if you are eligible to reduce your
insurance required by Colorado law is as follows:                       premiums though discounts or by choosing optional coverages or
§ $25,000 per person for bodily injury;                                 benefits. For instance, you may pay less for your Personal
§ $50,000 per accident for bodily injury;                               Injury Protection coverage by choosing a PPO option or by
§ $15,000 per accident for property damage.                             choosing not to have wage loss. Discounts may also be available
                                                                        such as good student, driver training, multiple cars or multiple
Personal Injury Protection                                              policies, compact car, anti-theft, air bags, and pleasure use only.

C   ommonly referred to as no-fault insurance,
    PIP provides coverage for certain medical and
                                                                    þ   If your family income qualifies, you may be eligible for a “low
                                                                        income” policy with lower benefits. Ask your agent or
rehabilitation expenses, lost wages and loss of essential               company.
services resulting from injuries sustained in an automobile         þ   An “operator’s” policy is available which covers the driver, not
accident while occupying an insured vehicle. It also provides           the vehicle. This policy has many limitations. Ask your
coverage for persons injured in accidents involving the                 agent or company.
insured vehicle, such as passengers and pedestrians. This
coverage is different from liability coverage because it will pay
benefits for injuries whether or not the insured person is
negligent or “at fault". The minimum amount of PIP insurance
required by law is as follows:
§ $50, 000 per person to cover reasonable and necessary
    medical expenses, up to five years;
§ $50, 000 per person to cover reasonable and appropriate
    rehabilitation expenses, up to ten years; (If medical benefit
    has been exceeded, medical expenses may be paid under
    the rehabilitation benefit.)
§ up to $400 per person per week to cover loss of gross
    income for a maximum of one year;
Private Passenger Auto Insurance                                                                        Driver A                                                                                  Driver B                                                                                  Driver C                                                                           Driver D
2000 Premium Comparison                                             21-yr old male, single, principal operator,                                                  21-yr old female, single, principal                                                        35-yr old male, married, principal                                                  68-yr old female, married, pleasure use
(Premiums for six months coverage on a                              drives less than than 10 miles to work                                                       operator, drives less than 10 miles to                                                     operator, drives less than 15 miles to                                              only, annual mileage less than 7,500 miles,
1999 Ford Taurus LX 4-door sedan)                                   each way, no accidents or traffic                                                            work each way, no accidents or traffic                                                     work each way, no accidents or traffic                                              no accidents or traffic convictions in
                                                                    convictions in three years.                                                                  convictions in three years.                                                                convictions in three years.                                                         three years.
Company                                   Mkt                                                      Grand                                  Ft.                                                  Grand                                 Ft.                                               Grand                               Ft.                                             Grand                                  Ft.
                 Preferred Programs      Share 1    Durango           Aurora        Denver        Junction        Sterling     Pueblo    Collins      Durango      Aurora        Denver       Junction       Sterling    Pueblo    Collins       Durango      Aurora      Denver      Junction       Sterling   Pueblo    Collins      Durango Aurora        Denver       Junction        Sterling    Pueblo    Collins
AIU Insurance Co                            0.51%             804          947         1,083             807             894     1,030        736          688          811           929           691            766       884        632           363         429         488           363             402     464        333          263   313            356             265            291       339        243
Allied Property & Casualty Ins Co           0.21%             838        1,101         1,244             849          1,206      1,541        797          655          854           964           662            945     1,197        622           404         519         583           406             583     728        382          305   386            431             305            442       542        288
                      2
Allstate Insurance Co                       7.27%             785          966         1,132             785             847       948        708          644          831           952           644            704       793        589           445         586         664           445             490     559        411          323   415            474             323            352       400        296
Amco Insurance Co                           0.19%             876        1,156         1,303             890          1,264      1,614        837          686          896         1,009           694            991     1,254        654           423         544         610           426             612     762        402          320   404            452             320            464       567        303
American Family Mutual Insurance Co         6.57%             960        1,610         1,788             960          1,114      1,616      1,027          668        1,119         1,242           668            776     1,123        715           461         769         853           461             534     772        493          341   566            628             341            394       568        364
American National P & C Co                  0.32%             674          747         1,061             598             754       812        640          640          711         1,011           570            717       772        608           431         479         678           383             482     520        410          351   389            550             310            392       423        333
Amica Mutual Insurance Co                   0.46%             997        1,025         1,292             997          1,004      1,206        889          663          684           854           663            667       797        594           459         475         587           459             460     548        414          403   418            514             403            406       481        364
Avomark Insurance Co                        0.03%             788        1,181         1,317             803          1,055      1,177        936          698        1,045         1,166           711            934       711        828           204         305         340           208             272     304        242          150   224            249             152            199       223        177
California Casualty Indemnity Exchange      0.23%             456          613           709             446             545       633        443          657          883         1,022           644            787       913        639           294         396         458           288             352     409        287          213   287            332             209            254       296        209
Colo Farm Bureau Mutual Ins Corp            1.04%             663          754         1,084             655             783       884        706          631          715         1,031           623            743       841        669           401         455         655           396             473     534        426          355   401            578             350            418       471        376
Continental Insurance Co 9                  0.00%                                                                                                                                                                                                     361         493         551           371             500     594        363          305   414            461             313            418       494        306
Country Mutual Insurance Co                 0.56%             728            774         1,558            728           866      1,207          666       627            667         1,341             627        745      1,039           573        414         442         886           414             492     687        379          409   436            874             409            486       678        374
Country Preferred Insurance Co              0.05%             582            620         1,245            582           692        965          533       496            528         1,059             496        589        821           453        370         395         790           370             439     613        338
Eagle American Insurance Co                 0.02%                                                                                                                                                                                                     591         820       1,098           591             887   1,132        637        475        659          883           475            713        910       513
Employers' Fire Insurance Co                0.25%        1,009             1,285         1,615          1,009         1,354      1,671     1,135         1,009         1,285         1,615        1,009         1,354      1,671     1,135            557         712         892           557             635     920        626        493        631          790           493            562        815       554
Farmers Insurance Exchange 4              12.96%         1,185             1,227         1,598          1,008         1,347      1,489     1,038          974          1,013         1,318             832      1,090      1,229           851       487           511         673          410           553      630           430      379        400          529           317            433        497       336
Government Employees Insurance Co          2.51%           952             1,263         1,430            952         1,094      1,222       983          680            913         1,030             680        775        870           702       449           598         675          449           513      574           463      343        455          514           343            391        437       353
                              5
Grange Insurance Association               0.11%           832             1,025         1,128            832           972      1,185       820          751            927         1,018             751        851      1,070           721       494           605         663          494           557      693           475      454        557          608           454            511        636       437
GuideOne Elite Insurance Co                0.13%           782               960         1,205            799           967      1,373       792          603            740           929             616        746      1,058           611       424           520         654          434           524      744           429      345        423          531           352            426        604       349
Hartford Accident & Indemnity Co           0.03%           767               962         1,202            767           874      1,037       701          570            713           891             570        647        769           521       450           563         703          450           512      605           412      387        484          602           387            441        519       353
Hartford Ins Co of the Midwest             0.04%                                                                                                                                                                                                     484           464         640          431           531      542           409      398        381          526           355            437        446       338
Liberty Mutual Fire Insurance Co           1.01%           969             1,084         1,400            990         1,125      1,295       935           691           774           998          706           802        923       667           392           439         564          400           453      520           378      338        379          486           345            391        448       326
National Farmers Union P&C Co              0.45%           833               910         1,191            822           991      1,087       790           698           762           997          689           830        911       662           453           495         646          447           538      590           430      347        378          493           342            412        450       329
Nationwide Mutual Fire Insurance Co        0.19%           871             1,057         1,165            884           998      1,126       905           612           743           819          621           701        791       636           453           550         605          460           518      584           471      334        405          446           339            381        429       347
Nationwide Mutual Insurance Co             0.38%           897             1,089         1,200            911         1,028      1,161       933           631           765           843          640           722        814       656           467           566         623          474           534      601           485      344        417          459           349            392        442       357
PAFCO General Insurance Co                 0.08%         1,487             2,131         2,164          1,487         1,511      2,132     1,594         1,132         1,615         1,654        1,132         1,155      1,609     1,206           807         1,149       1,165          807           818    1,151           864      795      1,132        1,146           795            806      1,135       852
                                   7
Progressive Casualty Insurance Co          0.29%           955             1,103         1,405            855           975      1,150          858       748            877         1,133             678        776        928           673       564           665         881          518           599      723           511      463        560          711           424            478        589       422
                                    7
Progressive Mountain Insurance Co          0.24%         1,047             1,209         1,541            938         1,069      1,261          941       820            961         1,244             744        850      1,019           740       618           729         966          569           656      791           558      508        615          780           464            523        645       460
Progressive Preferred Insurance Co 7       0.27%           878             1,005         1,263            792           895      1,044          795       701            811         1,028             641        724        851           638       543           628         809          504           570      676           496      458        542          670           424            470        565       421
Progressive Specialty Insurance Co 7       0.54%           913             1,053         1,344            819           932      1,099       821          716            839         1,084             650        743       889            646       540           636         842          498           572      690           488      443        537          682           406            457        564       402
Prudential Property & Casualty Ins Co      0.40%           782             1,056         1,092            800           834        850       798          552            744           770             565        589       600            564       438           589         609          449           467      476           447      305        407          421           311            325        331       312
Rocky Mountain Fire & Casualty Co 5        0.02%           848               923         1,042            848           917        931       730          743            808           913             743        777       814            619       469           512         577          469           491      515           392      343        376          422           343            358        378       287
SAFECO Ins Co of America                   1.83%           738               987         1,041            735           855      1,188       723          513            688           725             513        596       827            505       429           575         607          430           500      692           424      316        425          448           316            370        510       314
SAFECO Ins Co of Illinois 10               0.00%           738               987         1,041            735           855      1,188       723          513            688           725             513        596       827            505       368           495         521          368           430      594           365      272        366          386           272            319        439       271
Shelter Mutual Insurance Co                0.82%           663               741           951            661           723        922       633          484            540           692             482        527       671            461       344           384         491          342           374      476           328      254        283          361           253            276        350       243
St. Paul Guardian Insurance Co             0.23%         1,058             1,263         1,430          1,076         1,467      1,575     1,038          648            772           874             659        896       961            636       437           518         586          444           600      643           428      336        398          448           341            459        492       330
State Farm Mutual Automobile Ins Co       21.69%              691            767         1,051            684           823       926           661       591            656           899             585        703       792            565       424           472         645          419           504      569           405      307        342          467           304            364        412       293
Teachers Insurance Co                      0.28%                                                                                                                                                                                                     479           491         736          425           423      699           399      372        383          571           331            329        542       311
Travco Insurance Co                        0.02%              779          1,075         1,168            792         1,434      1,388          877       573            790           858             583      1,055      1,020           648       371           505         550          376           677      653           418      321        434          471           323            581        558       360
United Services Automobile Assoc           3.39%              707            973           876            662           742        742          633       533            562           657             499        558        632           478       358           377         438          336           375      422           323      288        303          351           271            301        338       261
USAA Casualty Insurance Co                 2.52%              691            822           364            720           810        810          770       504            597           262             522        589        741           560       288           338         144          299           333      381           318      268        314          133           278            310        353       296
West American Ins Co                       0.15%              780          1,209         1,382            815         1,149      1,256          906       701          1,087         1,242             732      1,032      1,129           815       445           689         787          465           654      714           517      327        506          577           341            479        523       379
Windsor Insurance Co                       0.03%              618            746           838            609           650        807          583       532            656           740             523        558        702           496       378           467         525          372           399      498           353      347        429          483           341            363        451       325
Worldwide Insurance Co                     0.15%              671            915           921            652           739        899          687       455            621           624             443        499        609           466       322           439         441          312           353      431           328      274        374          378           269            302        367       281

Total Market Share / Median Premium       68.48%              876          1,033         1,222            819           979      1,161          818       661            817           979             650        778       922            649       440           541         657          432           515      623           429      357        441          527           350            416        504       350

                 Standard Programs
Allegiance Insurance Co                    0.01%                                                                                                                                                                                                     498           512         767          443           440      728           416      387        399          595           344            343        565       324
Allied Property & Casualty Ins Co          0.09%         1,085             1,427         1,613          1,100         1,564      1,999     1,032           848         1,106         1,248          856         1,224      1,552       805           473           608         683          475           684      854           447      357        451          504           356            518        635       336
Amco Insurance Co                          0.08%         1,135             1,497         1,688          1,152         1,639      2,094     1,084           887         1,160         1,307          898         1,283      1,626       845           495           637         715          498           717      894           470      373        472          528           373            543        665       354
American National General Ins Co           0.07%           918             1,033         1,460            824         1,017      1,131       875           846           955         1,348          761           937      1,042       807           682           766       1,081          611           752      840           648      563        634          893           505            620        692       534
Colo Farm Bureau Mutual Ins Corp           0.04%           153             1,190         1,721          1,040         1,233      1,394     1,115         1,000         1,131         1,634          989         1,172      1,326     1,058           635           719       1,039          628           744      841           673      561        633          917           554            657        741       594
Continental Insurance Co                   0.00%           819             1,130         1,278            843         1,161      1,388       821           648           892         1,006          666           914      1,090       649
Country Casualty Insurance Co              0.01%           877               934         1,875            877         1,043      1,454       802           775           826         1,656          775           921      1,284       709           591           631       1,261          591           702      979           540      559        598        1,195           559            664        927       512
Employers' Fire Insurance Co               0.09%         1,187             1,509         1,900          1,187         1,152      1,962     1,332         1,187         1,509         1,900        1,187         1,152      1,962     1,332           654           835       1,050          654           746    1,079           734      579        739          930           579            660        957       650
GEICO Indemnity Co                         0.38%         1,474             1,819         2,079          1,474         1,640      1,806     1,457         1,085         1,347         1,538        1,085         1,212      1,341     1,072           840         1,050       1,196          840           940    1,044           830      742        924        1,054           742            830        920       733
Grange Insurance Association 5             0.01%         1,107             1,369         1,507          1,107         1,295      1,583     1,092           999         1,236         1,359          999         1,134      1,428       958           651           803         881          651           735      919           626      596        736          805           596            674        842       573
GuideOne Mutual Insurance Co               0.05%           937             1,124         1,414            949         1,131      1,653       933           723           867         1,090          732           873      1,274       720           509           610         766          515           614      896           507      414        495          622           419            499        726       412
Hartford Casualty Insurance Co             0.03%         1,162             1,112         1,553          1,032         1,281      1,309       979         1,120           931         1,300          866         1,073      1,096       819
Hartford Fire Insurance Co                 0.03%                                                                                                                                                                                                     617           591         819          550           678      693           521      507        485          671           451            556        568       428
Hartford Ins Co of the Midwest             0.11%                                                                                                                                                                                                     564           540         749          502           620      633           476      464        445          614           413            508        520       393
Hartford Underwriters Ins Co               1.98%                                                                                                                                                                                                                                                                                          413        526          686           397            487        577       430
Private Passenger Auto Insurance                                                                                           Driver A                                                                                     Driver B                                                                                 Driver C                                                                            Driver D
2000 Premium Comparison                                                                21-yr old male, single, principal operator,                                                    21-yr old female, single, principal                                                        35-yr old male, married, principal                                                   68-yr old female, married, pleasure use
(Premiums for six months coverage on a                                                 drives less than than 10 miles to work                                                         operator, drives less than 10 miles to                                                     operator, drives less than 15 miles to                                               only, annual mileage less than 7,500 miles,
1999 Ford Taurus LX 4-door sedan)                                                      each way, no accidents or traffic                                                              work each way, no accidents or traffic                                                     work each way, no accidents or traffic                                               no accidents or traffic convictions in
                                                                                       convictions in three years.                                                                    convictions in three years.                                                                convictions in three years.                                                          three years.
Company                                                     Mkt                                                       Grand                                 Ft.                                                     Grand                                 Ft.                                               Grand                               Ft.                                              Grand                                  Ft.
Horace Mann Insurance Co                                      0.19%           1,377         1,491         1,870           1,227          1,312     1,766      1,158             877          951         1,191           783            836     1,124        738           589         638         798           525             561     753        496          457    496             620            408            436        584        385
                                                           Share 1      Durango          Aurora        Denver        Junction        Sterling    Pueblo    Collins         Durango      Aurora        Denver       Junction       Sterling    Pueblo    Collins       Durango      Aurora      Denver      Junction       Sterling   Pueblo    Collins      Durango Aurora         Denver       Junction        Sterling    Pueblo     Collins
Mid-Century Insurance Co                                      3.49%           1,490         1,567         1,995           1,230          1,704     1,929      1,375           1,446        1,509         1,880         1,232         1,564      1,827     1,314            901         960       1,214           757             991   1,180        832          782    837           1,064            654            863      1,030        724
National Farmers Union Std Ins Co                             0.01%           1,400         1,530         2,001           1,381          1,665     1,828      1,328           1,172        1,281         1,675         1,157         1,394      1,530     1,112            760         830       1,085           750             903     991        721          582    635             828            574            692        756        552
Ohio Casualty Insurance Co                                    0.02%             959         1,490         1,703           1,002          1,408     1,547      1,117             861        1,339         1,530           901         1,265      1,389     1,004            546         848         968           570             800     878        636          400    621             708            418            585        642        466
PAFCO General Insurance Co                                    0.02%           1,608         2,304         2,344           1,608          1,641     2,307      1,725           1,225        1,748         1,792         1,225         1,252      1,742     1,304            871       1,242       1,261           871             889   1,243        933          859  1,224           1,240            859            875      1,226        921
Progressive Casualty Insurance Co 7                           0.28%           1,187         1,366         1,748           1,061          1,215     1,430      1,064             930        1,088         1,412           844            966     1,154        838           743         872       1,164           683             792     950        670          560    683             864            514            580        712        508
Progressive Mountain Insurance Co 7                           0.22%           1,300         1,498         1,919           1,164          1,331     1,569      1,169           1,020        1,193         1,549           925         1,061      1,269        918           813         957       1,276           748             868   1,043        736          614    737             947            563            637        780        557
                                   7
Progressive Preferred Insurance Co                            0.15%           1,105         1,264         1,601             997          1,132     1,323        999             886        1,022         1,310           810            919     1,085        804           724         837       1,097           672             768     910        660          562    659             827            520            579        693        515
Progressive Specialty Insurance Co 7                          0.60%            1,134          1,307         1,672          1,015        1,162      1,368      1,020             890         1,041         1,350             807        927      1,105           800       711           835       1,113          652           758      909           642       537        645          825           491            557        680        488
Prudential General Insurance Co                               0.00%            1,054          1,432         1,474          1,086        1,122      1,142      1,086             746         1,010         1,039             767        793        807           768       590           798         821          609           627      638           608       462        622          641           475            490        499        475
Rocky Mountain Fire & Casualty Co 5                           0.00%            1,056          1,246         1,407          1,056        1,237      1,256        987             924         1,092         1,232             924      1,049      1,100           837       584           691         780          584           662      697           529       427        507          572           427            484        511        387
Shelter Mutual Insurance Co                                   0.00%              947          1,060         1,355            938        1,034      1,316        900             690           772           986             683        753        957           656       490           548         699          486           535      679           467       362        404          514           359            395        499        345
State Farm Fire & Casualty Co                                 1.24%              805            894         1,226            797          952      1,079        768             663           738         1,010             656        784        889           633       521           581         794          516           616      700           498       408        456          621           404            481        548        389
Windsor Insurance Co                                          0.03%              770            939         1,057            760          811      1,012        725             665           830           939             655        699        886           621       480           605         682          473           506      642           447       443        556          630           435            464        592        413

Total Market Share / Median Premium                           9.20%            1,141          1,353         1,638          1,083        1,261      1,495      1,084             932         1,097         1,332             880      1,020      1,216           873       648           766         943          617           718      853           611       518        619          753           494            571        683        493

               Non-Standard Programs
Allied Property & Casualty Ins Co                             0.06%            1,246          1,506         1,729          1,254        1,744      2,139      1,153             985         1,216         1,413           993        1,384      1,725       927            751          929       1,082          755         1,060    1,318        712          592        738          858           597            829      1,040        561
Allstate Indemnity Co                                         2.30%            1,453          1,946         2,141          1,453        1,641      1,813      1,333           1,068         1,479         1,613         1,068        1,221      1,361       987            802        1,123       1,214          802           919    1,036        744          795      1,109        1,205           795            913      1,028        742
Amco Insurance Co                                             0.14%            1,338          1,628         1,863          1,349        1,874      2,296      1,237           1,057         1,314         1,522         1,068        1,487      1,852       995            806        1,004       1,166          811         1,140    1,415        764          635        797          924           642            890      1,117        602
American International South Ins Co 3                         0.06%            1,246          1,753         2,123          1,138        1,482      1,693      1,351           1,026         1,474         1,793           960        1,231      1,419     1,117            811        1,168       1,416          763           974    1,120        883          834      1,182        1,432           770            993      1,137        903
American Std Ins Co of Wisconsin                              1.68%            1,458          2,471         2,723          1,458        1,674      2,471      1,546           1,017         1,719         1,893         1,017        1,167      1,719     1,078            703        1,182       1,302          703           805    1,183        745          521        872          959           521            596        872        552
Country Casualty Insurance Co                                 0.00%            1,277          1,357         2,732          1,277        1,519      2,116      1,167           1,126         1,198         2,410         1,126        1,340      1,867     1,030            857          913       1,833          857         1,019    1,421        784          812        865        1,736           812            965      1,345        742
Dairyland Insurance Co                                        0.40%            1,614          2,004         2,244          1,614        1,620      1,914      1,650           1,236         1,554         1,740         1,236        1,248      1,464     1,260            786          978       1,098          798           798      918        804          876      1,086        1,206           876            888      1,020        888
Financial Indemnity Co                                        0.15%            1,226          1,801         1,942          1,226        1,456      1,627      1,126           1,040         1,535         1,651         1,040        1,231      1,384       956            534          788         851          534           632      708        494          494        735          788           494            583        657        459
GEICO Casualty Co                                             0.55%            1,474          1,756         2,053          1,474        1,636      1,768      1,426           1,188         1,444         1,680         1,188        1,321      1,448     1,154            920        1,123       1,304          920         1,026    1,128        896          917      1,118        1,299           917          1,023      1,124        892
Guaranty National IC - Orion Auto                             0.21%            1,420          1,750         2,350          1,234        1,378      1,540      1,312           1,126         1,396         1,846           970        1,090      1,222     1,030            922        1,156       1,540          802           904    1,030        856          850      1,066        1,414           742            838        934        790
Guaranty Nat'l IC - Orion Auto Select 6                       0.38%            1,414          1,714         2,296          1,210        1,360      1,498      1,288           1,108         1,360         1,822           964        1,084      1,192     1,018            910        1,138       1,510          796           898      994        850          844      1,054        1,378           730            826        916        784
GuideOne Specialty Mutual Ins Co                              0.40%            1,614          1,968         2,610          1,620        1,698      1,944      1,539           1,320         1,590         2,091         1,323        1,392      1,566     1,254            843        1,002       1,314          846           921    1,029        804          789        951        1,257           792            840        957        753
Illinois National Insurance Co 3                              0.35%            1,318          1,868         2,260          1,210        1,573      1,796      1,437           1,086         1,570         1,909         1,021        1,308      1,505     1,190            859        1,244       1,508          812         1,035    1,188        939          882      1,259        1,524           819          1,055      1,207        961
Liberty Insurance Corporation                                 0.09%            1,446          1,619         2,092          1,476        1,680      1,933      1,395           1,079         1,209         1,559         1,102        1,253      1,441     1,042            825          922       1,190          842           955    1,098        796          708        794        1,021           722            820        942        683
Ohio Security Insurance Co                                    0.00%            1,159          1,789         2,034          1,209        1,692      1,852      1,348           1,042         1,608         1,828         1,087        1,521      1,664     1,211            661        1,020       1,158          690           963    1,053        769          486        749          849           506            706        771        564
PAFCO General Insurance Co                                    0.28%            2,002          2,868         2,921          2,002        2,043      2,870      2,150           1,522         2,172         2,232         1,522        1,557      2,167     1,624          1,083        1,542       1,571        1,083         1,104    1,546      1,162        1,067      1,520        1,545         1,067          1,087      1,525      1,146
Progressive Casualty Insurance Co 7                           0.33%            1,863          2,149         2,775          1,672        1,921      2,266      1,672           1,475         1,727         2,264         1,341        1,546      1,849     1,327          1,142        1,341       1,807        1,052         1,226    1,473      1,030          888      1,068        1,391           815            929      1,138        804
Progressive Mountain Insurance Co 7                           0.26%            2,046          2,358         3,049          1,835        2,109      2,487      1,837           1,619         1,896         2,487         1,472        1,695      2,030     1,456          1,252        1,472       1,984        1,152         1,345    1,618      1,130          976      1,172        1,524           895          1,020      1,249        881
Progressive Preferred Insurance Co 7                          0.08%            1,808          2,059         2,614          1,643        1,862      2,166      1,642           1,471         1,693         2,172         1,358        1,538      1,806     1,343          1,186        1,360       1,777        1,107         1,262    1,483      1,087          956      1,114        1,402           894            995      1,180        884
Progressive Specialty Insurance Co 7                          0.51%            1,782          2,056         2,654          1,599        1,838      2,166      1,599           1,410         1,650         2,166         1,284        1,478      1,770     1,270          1,091        1,283       1,727        1,005         1,172    1,411           986       850      1,021        1,329           780            890      1,088        770
Shelter General Insurance Co                                  0.11%            1,165          1,260         1,575          1,146        1,228      1,528      1,077             834           902         1,125           821          879      1,092       772            729          787         982          717           767      953           674       539        581          724           530            567        702        499
Titan Indemnity Co                                            0.81%            1,593          1,812         2,173          1,420        1,609      1,866      1,457           1,328         1,553         1,912         1,201        1,368      1,625     1,220          1,068        1,236       1,551          971         1,111    1,314           981       867      1,046        1,294           794            903      1,094        804
                                       6
Viking Ins Co of WI -Orion Auto Select                        0.21%            1,427          1,728         2,312          1,229        1,383      1,510      1,327           1,098         1,357         1,816           958        1,073      1,200     1,015            720          934       1,226          628           712      809           674       731        904        1,207           632            716        791        686
Viking Ins Co of Wisconsin-Orion Auto                         0.32%            1,474          1,796         2,403          1,276        1,424      1,578      1,360           1,137         1,417         1,890           982        1,114      1,248     1,056            739          961       1,280          653           739      844           688       753        945        1,256           657            743        826        700
Windsor Insurance Co                                          0.15%              890          1,083         1,220            877          937      1,170        836             769           958         1,082           755          808      1,025       716            556          698         788          548           585      741           517       511        640          724           502            534        683        475

Total Market Share / Median Premium                           9.82%            1,446          1,796         2,260          1,349        1,636      1,866      1,360           1,108         1,479         1,828         1,068        1,308      1,505     1,078           825         1,123       1,304          802           963    1,120           804       812      1,021        1,257           770            888      1,028        753

                  Total Market Share                         87.51%
Footnotes:
(1) Market share figures are the individual Co's preferred, standard and non-standard programs written premium divided by the total direct written premium for all Colorado companies writing private passenger auto.
(2) Prior insurance and passive restraint discounts inclded in these rates. Senior adult discount applied to PIP rate for Driver D.
(3) $15 policy fee included.
(4) Passive Restraints and Anti-Lock Brakes discount included.
(5) Rates subject to $25,000 physical damage limit.
(6) Guaranty National Insurance Co has an additional program with a higher rate not listed. Check with your agent to see what program you qualify for.
(7) The Progressive companieshave two additional programs: Ultra Preferred and Middle Market.
(8) Viking Insurance Co of Wisconsin has an additional program with a higher rate not listed . All rates include a quarterly discount. Check with your agent to see which program you qualify for.
(9) Premiums effective 3/15/00, reflect CAN USP PortfolioSpecial Auto Segment Program.
(10) Program effective February 17, 2000