MASSACHUSETTS ALLSTATE INSURANCE COMPANY MOTOR VEHICLE RATE PAGES. CLASS-TERRITORY BASE RATES - PART 7 ($500 Deductible) Class

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1 T, c~a;s ~ ~ MASSACHUSETTS ALLSTATE INSURANCE COMPANY MOTOR VEHICLE RATE PAGES CLASS-TERRITORY BASE RATES - PART 7 ($500 Deductible) i CI~;S ~ Class CI_ass c~a;s To ~ ~ ~ ~ ~!57 ~ E E 72 ~ ~ , b 338 Class c~;s ~ ~ ~ ~ ' 338 2, Note: Class 15 rates are 75% of Class 10 final rates for all coverages ALLSTATE INSURANCE COMPANY RFP-6

2 Class Territory MASSACHUSETTS ALLSTATE INSURANCE COMPANY MOTOR VEHICLE RATE PAGES CLASS-TERRITORY BASE RATES - PART 9 ($500 Deductible) Class Class Class Class Class Class Class Note: Class 15 rates are 75% of Class-1 0 final rates for all coverages ALLSTATE INSURANCE COMPANY RFP-7

3 Approved Rates for 11/02/09 Allstate Insurance Company Private Passenger Auto Massachusetts Base Rate Reconciliation Statewide* Factor Changes Adjusted Fac Coverage Base Rate 4/08 Current Rate Plans** Base Rates New (a) (b) (c) = (a) / (b) Part Part Part Part Part Part Part Part 3**** Part 12**** Part * Encompass ** Increased Limits, Passive Restraint, Annual Mileage, Deductible, Part 5 Merit, Model Year, Deductible by P *** Supplemental Class = 1, Merit, Household Composition = 1, Tier, Property Insurance Policy Discount, Pre **** Increased Limits Only Corrected Model Year and ISO Average Rating Factors for Collision and Comprehensive Coverages. Allstate Insurance Company Private Passenger Auto Massachusetts Base Rate Reconciliation Statewide* Factor Changes Adjusted Fac Coverage Base Rate 4/08 Current Rate Plans** Base Rates New (a) (b) (c) = (a) / (b) Part Part Original Updated Factor Model Yr Symbol Model Yr Symbol Multi-car Part Part

4 **Updated for Corrected MY and ISO factors ****Reconciliation for illustative purposes only. Differences due to rounding

5 y ctor Changes Adjusted Selected Selected w Rate Plans*** Base Rates Change Base Rates (d) (e) = (c) / (d) (f) (g) = (e) * (f) % % % % % % % % % % PGS, Experience Group Rating, Good Payer eferred Package Discount y ctor Changes Adjusted Selected Selected Adjustment w Rate Plans*** Base Rates Change Base Rates for HHC an (d) (e) = (c) / (d) (f) (g) = (e) * (f) Suppl Class % % Factor****

6 t nd s Targeted Base Rate

7 ORIGINAL ALLSTATE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE MODEL YEAR RATING Section IV Page 29 PARTS 7 AND 8 Exposure Current Proposed Model Year Distribution* Factor Factor % % % % % % % % % Average Rating Factor Average Rating Factor Change PART 9 Exposure Current Proposed Model Year Distribution* Factor Factor % % % % % % % % % Average Rating Factor Average Rating Factor Change * Based on Allstate countrywide exposures

8 Encompass Insurance Company Measurement underlying the April 2008 Base Rates MODEL PART 9 PART 7 & 8 YEAR FACTOR FACTOR Exposures Part 9 Part % 1.1% % 7.0% % 8.4% % 9.7% % 10.3% % 9.9% % 9.8% % 9.0% % 8.7% % 7.2% % 5.6% % 4.3% % 8.7% 1989 & Prior % 0.2% Comp Coll ARF Allstate Factors Measured Using the Encompass distributions MODEL Exposures Factors YEAR Part 9 Part 7 Part 9 Part % 1.1% % 7.0% % 8.4% % 9.7% % 10.3% % 9.9% % 9.8% % 9.0% % 8.7% % 7.2% % 5.6% % 4.3% % 8.7% & Prior 0.4% 0.2% Average Rating Factor

9 Average Rating Factor Change

10 ALLSTATE INSURANCE COMPANY MASSACHUSETTS PRIVATE PASSENGER AUTOMOBILE PGS Section IV Page 30 PARTS 7 AND 8 Current Proposed Exposure Exposure Factor for Symbol Distribution* Factor PGS Distribution** $500 Deductible % 1.00 M 0.18% % 1.06 O 0.09% % 1.12 S 0.08% % 1.19 T 0.17% % % 1.34 U 0.73% % 1.42 V 3.43% % 1.51 W 10.43% % 1.60 N 7.97% % % 1.81 P 17.51% % 1.93 Q 14.13% % 2.05 R 13.75% % 2.18 G 12.27% % % 2.48 I 8.59% % 2.68 K 5.56% % 2.89 C 3.42% % 3.12 D 0.95% % % 3.64 E 0.31% % 3.94 F 0.22% % 4.25 H 0.11% % 4.59 J 0.03% % 4.96 L 0.05% 6.43 Average Rating Factor Average Rating Factor Average Rating Factor Change PART 9 Current Proposed Exposure Exposure Factor for Symbol Distribution* Factor PGS Distribution** $500 Deductible % 1.00 M 0.18% % 1.05 O 0.09% % 1.10 S 0.08% % 1.16 T 0.17% % 1.23

11 6 2.43% 1.29 U 0.73% % 1.36 V 3.43% % 1.44 W 10.43% % 1.52 N 7.97% % % 1.69 P 17.51% % 1.79 Q 14.13% % 1.89 R 13.75% % 2.00 G 12.27% % % 2.24 I 8.59% % 2.42 K 5.56% % 2.58 C 3.42% % 2.80 D 0.95% % % 3.25 E 0.31% % 3.47 F 0.22% % 3.81 H 0.11% % 4.14 J 0.03% % 4.48 L 0.05% Average Rating Factor Average Rating Factor Average Rating Factor Change * Based on state of Massachusetts industry data

12 Encompass Insurance Company Measurement underlying the April 2008 Base Rates MODEL YEARS MODEL YEARS 1990 & SUBSEQUENT 1989 & PRIOR PART 9 PART 7 & 8 PART 9 PART 7 & 8 SYMBOL FACTOR FACTOR FACTOR FACTOR 1990& % % % % % % % % % % % % % % % % % % % % % % % % % % Comp ARF Average Rating Factor Average Rating Factor Change

13 Exposures &Sub 1989&Prior 0.0% 0.0% 0.0% 0.1% 0.0% 0.0% 0.2% 0.0% 0.0% 0.7% 0.0% 0.0% 1.1% 0.0% 0.0% 2.1% 1.3% 0.8% 2.6% 3.8% 5.0% 6.1% 22.0% 24.8% 7.5% 23.7% 22.3% 7.9% 9.7% 5.0% 12.4% 12.7% 13.2% 10.8% 10.2% 11.6% 10.7% 6.8% 6.6% 10.1% 3.0% 3.3% 7.7% 1.3% 0.8% 6.2% 2.5% 2.5% 4.5% 0.4% 0.8% 2.8% 2.5% 3.3% 2.4% 0.0% 0.0% 1.5% 1.0% 0.7% 0.4% 0.2% 0.2% 99.8% 0.4% 0.2% Coll

14 Step 1 Take the Targeted Average Base Rate Excluding removal of the Multicar discount or introd Distribute this on a by coverage, by territory, by desired territorial relativity from the origina This is the set of base rates in columns B - J Step 2 Take the base rates generated in B-J and account for removal of Multicar discount. Decrea This is the set of base rates in M - V Step 3 Take the base rates generated in M-V and account for the introduction of HHC and Supplem This is the set of base rates in Z-AH Using the Vol distribution by Coverage, Territory and Class, calculate Average Territory Ba Calculate a Statewide Coverage Base Rate Step 4 Take the set of base rates in Z-AH and adjust for the territorial relativity differences This is the set of base rates in AM-AU Calculate a Statewide Coverage Base Rate Outstanding Issues See the bottom of Part41 Base Rates I don't know what The average rating plan change for HHComp and Sup Class is I'm trying to follow the same logic that got us to Base rates w/o Hhcomp and Sclass So I don't know if the set of base rates in AM-AU need an additional offset.

15 ducing Hhouse composition or supplemental Class al filing. ease the base rates. emental Class ase Rate for Both sets of Base Rates

16 Allstate Insura Private Pass Massac Base Rate Re Statewide* Factor Changes Adjusted Coverage Base Rate 4/08 Current Rate Plans** Base Rates (a) (b) (c) = (a) / (b) Part Part Part Part Part Part Part Part 3**** Part 12**** Part Part Part Part Part Part Part Part Part 3**** Part 12**** Part Part 7 and 9 Multi-car discount removal accounted for. * Encompass ** Increased Limits, Passive Restraint, Annual Mileage, Deductible, Part 5 Merit, Model Year *** Supplemental Class = 1, Merit, Household Composition = 1, Tier, Property Insurance Pol **** Increased Limits Only

17 ance Company senger Auto chusetts econciliation Factor Changes Adjusted Selected Selected Fac s New Rate Plans*** Base Rates Change Base Rates New b) (d) (e) = (c) / (d) (f) (g) = (e) * (f) % % % % % % % % % % % % % % % % % % % % ar, Deductible by PGS, Experience Group Rating, Good Payer olicy Discount, Preferred Package Discount

18 ctor Changes Actual Actual w Rate Plans+ Base Rates Change (h) (i) (j)? ?

19 Targeted Part 7 Base Rate without HHC or Sup Class, Includes MC removal Base Rates Account for the removal of the MC discount Base Rates -Allstate w/o HHC and Sup Class Class Class Class Class Class Class Class Territory

20 ** Increased Limits, Passive Restraint, Annual Mileage, Deductible, Part 5 Merit, Model Year *** Supplemental Class = 1, Merit, Household Composition = 1, Tier, Property Insurance Pol **** Increased Limits Only

21 ARF - HHComp and Supp Class for 10, 15, 30 ARF - HHComp and Supp Class for 17 and 18 ARF - HHComp and Supp Class for Territory Territorial Base Rates -Decreased Base Rates as Multi-car Discoun Rate Relativity Class Class Class Class Class Class Territory

22 ar, Deductible by PGS, Experience Group Rating, Good Payer olicy Discount, Preferred Package Discount

23 Multi Car HHC Sup C Total = HHC * Sup C nt will no longer be Applied Base Rates Class Class Class Class Class Class Class Territory

24 Actual Change (j)?

25 s -ADJ for HHC and Sup Class Territory Rate Class Class Class Class Class Class Class

26 Territorial Base Rates -ADJ for HHC and Sup Class Relativity Offset for Territorial Relativity Differences - BR *L/AJ Class Class Class Class Class Territory

27 Base Rates -ADJ for HHC and Sup Class Offset for Territorial Relativity Differences - BR Class Class Class Class Class Class Territory

28 R *L/AJ Class Class Class Class Class

29 Targeted Part 9 Base Rate without HHC or Sup Class, Includes MC removal Base Rates Account for the removal of the MC discount Base Rates -Allstate w/o HHC and Sup Class Class Class Class Class Class Class Class Territory

30 ** Increased Limits, Passive Restraint, Annual Mileage, Deductible, Part 5 Merit, Model Year *** Supplemental Class = 1, Merit, Household Composition = 1, Tier, Property Insurance Pol **** Increased Limits Only

31 ARF - HHComp and Supp Class for 10, 15, 30 ARF - HHComp and Supp Class for 17 and 18 ARF - HHComp and Supp Class for Territory Territorial Base Rates -Decreased Base Rates as Multi-car Discoun Rate Relativity Class Class Class Class Class Class Territory

32 ar, Deductible by PGS, Experience Group Rating, Good Payer olicy Discount, Preferred Package Discount

33 Multi Car HHC Sup C Total = HHC * Sup C nt will no longer be Applied Base Rates Class Class Class Class Class Class Class Territory

34 Actual Change (j)?

35 s -ADJ for HHC and Sup Class Territory Rate Class Class Class Class Class Class Class

36 Territorial Base Rates -ADJ for HHC and Sup Class Relativity Offset for Territorial Relativity Differences - BR *L/AJ Class Class Class Class Class Territory

37 Base Rates -ADJ for HHC and Sup Class Offset for Territorial Relativity Differences - BR Class Class Class Class Class Class Territory

38 R *L/AJ Class Class Class Class Class

39 BI Class Class Class Class Class Class Class Territory ,925 23,918 5,170 1, , ,239 34,218 7,026 2, , ,668 70,435 15,511 5,269 1, , ,149 52,563 9,427 3, , ,853 65,775 16,570 4,571 1, , ,240 45,396 10,175 3, , ,472 46,843 11,119 2,874 1, , ,338 26,269 5,575 1, , ,749 26,566 6,624 1, , ,516 13,665 3, , ,344 8,724 1, ,631 24,004 6,144 1,734 1, , ,735 25,070 7,705 1,545 1, , ,462 7,843 3, , ,942 3,482 1, , ,408 2, ,891 1, ,969 1, ,745 1, ,749 3,916 2, , , ,564 3,025 1, ,885 1,661 1, ,704 1, ,063 1, ,514 57,194 11,727 4,617 1, , ,492 2, ,866 5,008 2, ,708 8,720 2, ,325 4,847 1, ,978 2,205 1, , ,230 5,072 1,

40 Class Class BI part 5 Class Class Class Class Class Territory ,236 3, ,925 23,918 5,170 1, ,649 3, ,239 34,218 7,026 2, ,782 8, ,668 70,435 15,511 5,269 1,481 5,378 4, ,149 52,563 9,427 3, ,774 7, ,853 65,775 16,570 4,571 1,728 5,254 4, ,240 45,396 10,175 3, ,937 4, ,472 46,843 11,119 2,874 1,370 2,639 2, ,338 26,269 5,575 1, ,076 2, ,749 26,566 6,624 1, , ,516 13,665 3, ,344 8,724 1, ,733 2, ,631 24,004 6,144 1,734 1,398 1,756 1, ,735 25,070 7,705 1,545 1, ,462 7,843 3, , ,942 3,482 1, , ,408 2, ,891 1, ,969 1, ,745 1, ,749 3,916 2, , , ,564 3,025 1, ,885 1,661 1, ,704 1, ,063 1, ,222 7, ,514 57,194 11,727 4,617 1, ,492 2, ,866 5,008 2, ,708 8,720 2, ,325 4,847 1, ,978 2,205 1, , ,230 5,072 1,

41 Class Class Class Class PD Class Class Class Territory ,122 3,236 3, ,938 23,919 5, ,194 4,649 3, ,232 34,216 7, ,198 8,782 8, ,587 70,434 15, ,520 5,378 4, ,169 52,556 9, ,256 6,774 7, ,821 65,782 16, ,677 5,254 4, ,220 45,386 10, ,155 3,937 4, ,458 46,836 11, ,170 2,639 2, ,334 26,256 5, ,343 2,076 2, ,749 26,560 6, ,734 1, ,515 13,660 3, ,344 8,721 1, ,063 1,733 2, ,616 23,995 6, ,112 1,756 1, ,731 25,070 7, ,458 7,839 3, ,955 3,484 1, , ,412 2, ,897 1, ,972 1, ,741 1, ,748 3,919 2, , ,566 3,023 1, ,892 1,662 1, ,703 1, ,059 1, ,291 7,222 7, ,519 57,189 11, ,493 2, ,852 5,009 2, ,714 8,716 2, ,332 4,849 1, ,977 2,206 1, ,226 5,072 1,830

42 Class Class Class Class Class Class PIP Class Territory 10 1, ,123 3,237 3, ,914 2, ,197 4,645 3, ,176 5,269 1, ,197 8,785 8, ,486 3, ,519 5,377 4, ,126 4,573 1, ,258 6,774 7, ,762 3, ,678 5,253 4, ,177 2,875 1, ,155 3,938 4, ,402 1, ,172 2,638 2, ,306 1, ,341 2,077 2, , ,734 1, , ,331 1,733 1, ,064 1,729 2, ,583 1,543 1, ,114 1,757 1, , , , , , , , , , , , , , , , ,054 4,619 1, ,290 7,221 7, , , , , , , , ,218

43 Class Class Class Class Class Class Class Class ,914 5,162 1, ,118 3,230 3,401 34,209 7,023 2, ,195 4,637 3,386 70,420 15,485 5,270 1, ,179 8,778 8,073 52,550 9,412 3, ,508 5,371 4,801 65,763 16,556 4,566 1, ,240 6,764 7,231 45,392 10,165 3, ,669 5,248 4,548 46,834 11,108 2,875 1, ,150 3,930 4,404 26,247 5,576 1, ,167 2,635 2,414 26,557 6,616 1, ,340 2,071 2,350 13,660 3, ,732 1, ,719 1, ,988 6,141 1,728 1, ,062 1,725 2,286 25,069 7,700 1,546 1, ,105 1,756 1,627 7,838 3, , ,484 1, , , , , ,914 2, , ,020 1, ,662 1, , , ,170 11,713 4,622 1, ,275 7,208 7,949 2, ,007 2, ,717 2, ,848 1, ,206 1, , ,070 1,

44 COMP Class Class Class Class Class Class Class Class Territory ,826 22,072 4,190 1, ,212 3, ,642 31,807 5,769 2, ,070 4, ,941 65,215 12,290 4, ,589 8, ,199 49,190 7,642 3, ,989 5, ,145 60,791 12,883 4,013 1, ,702 6, ,066 42,251 8,180 3, ,037 4, ,273 43,302 8,671 2, ,604 3, ,573 24,456 4,411 1, ,397 2, ,751 24,558 4,946 1, ,474 1, ,792 12,769 2, , ,159 8,002 1, ,343 22,122 4,529 1, ,471 1, ,341 22,352 5,462 1,305 1, ,138 1, ,426 7,079 2, ,548 3, , ,309 2, ,905 1, ,132 1, ,656 1, ,064 3,241 1, , ,260 2, ,000 1, , ,405 1, ,698 52,223 9,415 4, ,359 6, ,592 2, ,609 4,331 1, ,475 7,478 1, ,409 4,236 1, ,461 1,830 1, ,312 4,478 1,

45 Class COLL Class Class Class Class Class Class 30 Territory , ,359 20,433 3,489 1, , ,568 29,644 4,891 2, , ,744 60,313 10,286 4, , ,444 45,957 6,538 2, , ,350 56,423 10,799 3, , ,384 39,375 6,946 3, , ,113 40,119 7,375 2, , ,434 22,950 3,779 1, , ,684 22,534 4,239 1, ,422 11,863 2, ,246 7,575 1, , ,971 20,755 4,029 1, , ,900 20,425 4,774 1, ,555 6,579 1, ,027 2, , ,934 2, ,589 1, ,725 1, ,340 1, ,221 3,090 1, , ,338 2, ,321 1, , ,052 1, , ,106 47,844 7,872 3, ,518 2, ,727 3,881 1, ,288 6,660 1, ,844 3,877 1, ,816 1, ,747 4,136 1,

46 Class Class Class ,333 2,897 2,822 3,010 4,187 2,836 6,242 7,796 6,655 3,535 4,803 3,959 5,476 5,851 5,768 3,641 4,647 3,814 3,287 3,400 3,608 1,775 2,373 2,014 1,773 1,772 1, ,125 1,498 1,778 1,615 1,456 1, ,364 6,490 6,

47 Premium Change for Policy #1 New Renewal Avg Ann Prem Avg Ann Prem New Avg Ann Prem Curr Filed Rates % Filed Rates % Change Petersham Sturbridge Northampton Foxborough Pittsfield Attleborough Bridgewater Plymouth Dedham Framingham Methuen Cambridge Quincy New Bedford Worcester Randolph Revere Chelsea West Roxbury Roslindale Jamaica Plain Hyde Park Dorchester Roxbury Boston Central Brighton South Boston E. Boston/Charlestown Holyoke Lowell Springfield Lynn Lawrence Brockton Barnstable North Adams Fall River Taunton Beverly Gloucester Haverhill Newburyport Peabody Salem Chicopee Westfield Everett Malden Marlborough Medford Melrose Newton Somerville Waltham Woburn Fitchburg Gardner Leominster

48 Premium Change for Policy #2 New Renewal Avg Ann Prem Avg Ann Prem New Avg Ann Prem Curr Filed Rates % Filed Rates % Change Petersham Sturbridge Northampton Foxborough Pittsfield Attleborough Bridgewater Plymouth Dedham Framingham Methuen Cambridge Quincy New Bedford Worcester Randolph Revere Chelsea West Roxbury Roslindale Jamaica Plain Hyde Park Dorchester Roxbury Boston Central Brighton South Boston E. Boston/Charlestown Holyoke Lowell Springfield Lynn Lawrence Brockton Barnstable North Adams Fall River Taunton Beverly Gloucester Haverhill Newburyport Peabody Salem Chicopee Westfield Everett Malden Marlborough Medford Melrose Newton Somerville Waltham Woburn Fitchburg Gardner Leominster

49 Premium Change for Policy #3 New Renewal Avg Ann Prem Avg Ann Prem New Avg Ann Prem Curr Filed Rates % Filed Rates % Change Petersham Sturbridge Northampton Foxborough Pittsfield Attleborough Bridgewater Plymouth Dedham Framingham Methuen Cambridge Quincy New Bedford Worcester Randolph Revere Chelsea West Roxbury Roslindale Jamaica Plain Hyde Park Dorchester Roxbury Boston Central Brighton South Boston E. Boston/Charlestown Holyoke Lowell Springfield Lynn Lawrence Brockton Barnstable North Adams Fall River Taunton Beverly Gloucester Haverhill Newburyport Peabody Salem Chicopee Westfield Everett Malden Marlborough Medford Melrose Newton Somerville Waltham Woburn Fitchburg Gardner Leominster

50 Premium Change for Policy #4 New Renewal Avg Ann Prem Avg Ann Prem New Avg Ann Prem Curr Filed Rates % Filed Rates % Change Petersham Sturbridge Northampton Foxborough Pittsfield Attleborough Bridgewater Plymouth Dedham Framingham Methuen Cambridge Quincy New Bedford Worcester Randolph Revere Chelsea West Roxbury Roslindale Jamaica Plain Hyde Park Dorchester Roxbury Boston Central Brighton South Boston E. Boston/Charlestown Holyoke Lowell Springfield Lynn Lawrence Brockton Barnstable North Adams Fall River Taunton Beverly Gloucester Haverhill Newburyport Peabody Salem Chicopee Westfield Everett Malden Marlborough Medford Melrose Newton Somerville Waltham Woburn Fitchburg Gardner Leominster

HOUSING VOUCHERS FUNDED IN MASSACHUSETTS UNDER PENDING PROPOSALS

820 First Street NE, Suite 510 Washington, DC 20002 Tel: 202-408-1080 Fax: 202-408-1056 center@cbpp.org www.cbpp.org November 1, HOUSING VOUCHERS FUNDED IN MASSACHUSETTS UNDER PENDING PROPOSALS For 2007,