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Company Rate Filing Information

Progressive Casualty Filings

As of August 2016

The following are the filings made by Progressive Casualty.

Filing Identification No. Materials Included Effective Date
PRGS130569757

Rate/Rule:

  • Private Passenger Auto Symbols
  • Base Rate Table
  • Residency Rewards Factor Table
  • Full Coverage Factor Table
  • Garage vs Mailing Zip Code Factor Table
  • Base Model Year Table
  • Multi-Car/Residence Insurance Discount
  • Electronic Funds Transfer Discount Factor Table
07/08/16 New
08/07/16 Renew 
PRGS130441833

Motorcycle

Form:

  • Application for MA Motor Vehicle Ins. – Form 4868 MA (01/16)

Markup of Changes

05/04/16 New/Renew
PRGS130312569

Form:

  • Application for MA Motor Vehicle Insurance – Form 7982 MA (08/15)

Markup of Changes

05/04/16 New/Renew
PRGS130451602

Form:

  • Application for Motor Vehicle Ins. – Form Z030 MA (01/16)
05/04/16 New
PRGS130470909

Rule:

  • V13-Usage Based Insurance

Markup of Changes

03/23/16 New
04/22/16 Renew 
PRGS130211779

Rule:

  • Driver Classification Factor Table
  • Violation Points Table
  • Violation Classification Table
  • RBI/OBI/PD Driving Record Points Factor Table – PCIC & MAIP
  • UM/UIM/PIP/MED Driving Record Points Factor Table – PCIC & MAIP
  • COMP/LOAN Driving Record Points Factor Table
  • COLL/LIM COLL/RENT/ROADSIDE Driving Record Points Factor Table
  • Household Member Factor Table 1
  • Household Member Factor Table 2
  • RBI/OBI/PD Years Licensed and Points Factor Table
  • COLL/LIM COLL/RENT/ROADSIDE Years Licensed and Points Factor Table
  • COMP/LOAN Years Licensed and Points Factor Table
  • UM/UIM/PIP/MED Years Licensed and Points Factor Table
  • Driver Training Factor Table
  • Household Structure Factor Table
  • Rule D04. Driving Record Classification
  • Rule D06. Driving Violation Descriptions
  • Rule D08. Unacceptable Drivers
  • Rule D81.C. 4/5 Year Accident and Violation Surcharge
  • Rule P08. Unacceptable Policies
  • Rule P16. Progressive as Proof of Prior Insurance
  • Rule P42. Household Member Factor
  • Rule X02. Prior BI Limits

10/08/15 New/Renew

PRGS130177927

Rule:

  • Symbols
08/13/15 New
09/12/15 Renew

PRGS130086312

-10%

Rate/Rule
Rate:

  • Rate Exhibit
  • Driver Classification Factor Table
  • 4/5 Year Accident & Violation Surcharge Table
  • Base Rate Table
  • Vehicle Age Factor Table
  • Base Model Year Table
  • OBI Limit Factor Table
  • PD Limit Factor Table
  • RENT Limit Factor Table
  • PIP Deductible Factor Table
  • Comp Deductible Factor Table
  • Coll Deductible Factor Table
  • Paid-in-Full Discount Factor Table
  • Policy Term Factor Table – PCIC & MAIP
  • Usage Based Insurance Factor Table – Initial Factor
  • Usage Based Insurance Factor Table – Subsequent Discount
  • Vehicle Garaging Location Factor
  • Vehicle Symbol Factor Table
  • Supporting Exhibit Towns

Rule:

  • B02 Installment Fee
  • B03 NSF Fee
  • B04 Late Fee Charges
  • B05 Renewal Payments
  • B80 Cancel Methodology
  • D01 Driver Definitions
  • D02 Permit Rating
  • D03 Driver Classification
  • D04 Driving Record Classification
  • D05 Unverifiable Driving Record and Foreign Driver's License
  • D06 Driving Violation Descriptions
  • D07 Financial Responsibility Filing Fee
  • D08 Unacceptable Drivers
  • D10 Distant Student Discount
  • D11 Minor Child Discount
  • D12 Good Student Discount
  • D81.A Driver Training
  • D81.B Mature Driver Discount
  • D81.C 4/5 Year Accident and Violation Surcharge
  • P01 Liability Increased Limits
  • P02 UM/UIM BI Limits
  • P03 Limited Collision
  • P04 Medical Payments Limits
  • P05 PIP Limits
  • P06 Comprehensive and Collision Coverages
  • P08 Unacceptable Policies
  • P09 Expense Loads
  • P10 Short Rate Penalty Fee
  • P11 Reinstatement After Cancellation for Non-payment
  • P12 Treatment of Total Loss Vehicles
  • P13 Hardship Accommodation
  • P14 Preferred Status
  • P15 Prior Insurance Classification
  • P16 Progressive as Proof of Prior Insurance
  • P18 Accident Surcharge Waiver
  • P19 Low Payout Claim Forgiveness
  • P23.A Rate Capping
  • P23.B MAIP Capping
  • P24 Multi-car Indicator
  • P25 Multi-policy Discount
  • P26 Residence Insurance Discount
  • P28 Paid in Full Discount
  • P29 Electronic Funds Transfer Discount
  • P30 Paperless Discount
  • P33 Advance Quote Discount
  • P34 Continuous Insurance Discount
  • P35 Residency Rewards
  • P36 Three - year Safe Driving Discount
  • P38 Five - year Accident Free Discount
  • P40 Full Coverage Status
  • P42 Household Member Factor
  • P43 Financial Responsibility Filing Surcharge
  • P48 Household Structure
  • P81 Summary of Coverage Abbreviations
  • P84.A Driver Vehicle Alignment
  • P84.B Category Factor
  • P84.C Garaging Zip Versus Mailing Zip Factor
  • V01 Vehicle Symbols
  • V02 Model Year
  • V03 Vehicle Age
  • V04 Value Class Vehicle Rating
  • V05 Loan/Lease Payoff Unacceptable Risks
  • V06 Unacceptable Vehicle Types
  • V07 Vehicle Garaging Location Rating
  • V08 Unacceptable Vehicle Garaging Locations
  • V09 Vehicle Use Definitions
  • V10 Unacceptable Vehicle Use
  • V11 Business Use Surcharge
  • V12 Excess Vehicle Factor
  • V13 Usage-based Insurance
  • V88 Annual Mileage Discount
  • V89 Low Frequency Discount
  • V90 Verified Mileage
  • V91 Pre-Insurance Inspection Program
  • X02 Prior BI Limits

Markup of Changes

08/07/15 New
09/06/15 Renew 
PRGS129703555
-6.4% 

Rate/Rule:
Rate:

  • Exhibit for MA
  • RBI/OIB/PD Driving Record Points Factor Table – PDIC & MAIP
  • UM/UIM/PIP/MED Driving Record Points Factor Table – PDIC & MAIP
  • 4/5 Year Violation Surcharge Table
  • Base Rate Table
  • Household Structure Factor Table
  • Vehicle Garaging Location Factor
  • PD Limit Factor Table
  • PIP Deductible Factor Table
  • Vehicle Age Factor Table
  • Multi Car/Residence Insurance Discount
  • Continuous Insurance Discount Factor Table (Incept as Gold)
  • Continuous Insurance Discount Factor Table (Renew as Gold)
  • Continuous Insurance Discount Factor Table (Incept as Platinum)
  • Continuous Insurance Discount Factor Table (Renew as Platinum)
  • Continuous Insurance Discount Factor Table (Renew as White Diamond)
  • Continuous Insurance Discount Factor Table (Renew as Diamond)
  • Policy Term Factor Table – PDIC & MAIP
  • Verified Mileage Factor Table
  • POP/Prior BI Limit Group Table
  • Base Rate Table – MAIP
  • Annual Mileage Discount Factor Table – MAIP
  • Multi Car Discount Factor Table – MAIP
  • Low Frequency Discount Factor Table – MAIP
  • Vehicle Symbol Factor Table

Rule:

  • D81.B Mature Driver Discount
  • P23.B MAIP Capping
  • P25. Multi Policy Discount
  • P84.A Driver Vehicle Alignment
  • V13 Usage based Insurance
  • V88 Annual Mileage Discount
  • V89 Low Frequency Discount

Markup of Changes

10/17/14 New
11/16/14 Renew 
PRGS129720416

Progressive Casualty
Progressive Direct
Form:

  • Fee Endorsement
10/17/14 New/Renew
PRGS129690508

Form:

  • Policy Endorsement – General Provisions and Exclusions
    • 10.a. Actual Cash Value
  • Pet Injury Coverage Endorsement
  • Roadside Assistance Coverage Endorsement
  • Coverage for Anyone Renting an Auto to You Additional Interest – Lessor
  • Stated Amount Coverage
  • Transportation of Fellow Employees, Students or Others
  • Custom Parts or Equipment Coverage Endorsement
  • Application for Massachusetts Motor Vehicle Insurance
  • Fee Endorsement

Markup of Changes

10/17/14 New/Renew
PRGS129370240

Manual of Rules.

Becuase this filing is so big (3082 pages) we have broken out the Rule section for your convenience.  

05/09/14
PRGS129370240

Forms (Same as Progressive Direct):

  1. Policy Endorsement – General Provisions and Exclusions – 10.A. Actual Cash Value – Form A057 MA (09/11)
  2. Cancellation Notice
  3. Payment Coupon
  4. Non-Renewal Notice
  5. Cancellation Notice – Form 6026 MA (05/09)
  6. Operator Exclusion Form – Form 9330 MA (11/07)
  7. Loan/Lease Payoff coverage – Form 9817 MA (12/07)
  8. Pet Injury Coverage Endorsement – Form 2538 MA (10/08)
  9. Roadside Assistance Coverage Endorsement – Form 2614 MA (11/07)
  10. Coverage for Anyone Renting an Auto to You – Additional Interest – Lessor – Form 2624 MA (11/07)
  11. Waiver of Deductible – Form 2625 MA (11/07)
  12. Stated Amount Coverage – Form 2627 MA (11/07)
  13. Separate Glass Deductible – Comprehensive – Form 2628 MA (11/07)
  14. Transportation of Fellow Employees, Students or Others – Form 2629 MA (11/07)
  15. Custom Parts or Equipment Coverage Endorsement – Form 2631 MA (12/07)
  16. Application for Massachusetts Motor Vehicle Insurance – Form 7982 MA (07/13)
  17. Massachusetts Automobile Insurance Policy – Form 8609A MA (03/14) 2008 Edition

Rate:

  1. Voluntary Rate Order of Calculation
  2. MAIP Rate Order of Calculation
  3. Driver Classification Factor Table
  4. Violation Points Table
  5. Violation Classification Table
  6. RBI/OBI/PD Driving Record Points Factors Table
  7. UM/UIM/PIP/MED Driving Record Points Factors Tables
  8. Comp/Loan Driving Record Points Factor Table
  9. Coll/LIM Coll/Rent/Roadside Driving Record Points Factor Table
  10. Distant Student/Minor Child Discount Factor Table
  11. Good Student Discount Factor Table
  12. Household Member Factor Tables
  13. RBI/OBI/PD Years Licensed and Points Factor Table
  14. Coll/LIM Coll/Rent/Roadside Years Licensed and Points Factor Table
  15. Comp/Loan Years Licensed and Points Factor Table
  16. UM/UIM/PIP/MED Years Licensed and Points Factor Table
  17. Driver Training Factor Table
  18. Base Rate Table
  19. Category Factor Table
  20. Residency Rewards Factor Table
  21. Household Structure Factor Table
  22. Full Coverage Factor Table
  23. Vehicle Garaging Location Factor
  24. Garage vs. Mailing Zip Code Factor Table
  25. Value Class Vehicle Factor
  26. Vehicle Age Factor Table
  27. Base Model Year Table
  28. Excess Vehicle Factor Table
  29. RBI Limit Factor Table
  30. OBI Limit Factor Table
  31. PD Limit Factor Table
  32. UM Limit Factor Table
  33. UIM Limit Factor Table
  34. MED Limit Factor Table
  35. Loan Limit Factor Table
  36. Rent Limit Factor Table
  37. Roadside Limit Factor Table
  38. ACPE Limit Factor Table
  39. PIP Deductible Factor Table
  40. COMP Deductible Factor Table
  41. COLL Deductible Factor Table
  42. LIM COLL Deductible Factor Table
  43. COMP Vehicle Age by Deductible Factor Table
  44. COLL Vehicle Age by Deductible Factor Table
  45. Multi-Car/Residence Insurance Discount
  46. Advance Quote/Three Year Safe Driving/Five Year Accident Free Discount Factor Table
  47. Paid in Full Discount Factor Table
  48. Electronic Funds Transfer Discount Factor Table
  49. Multi-Policy Discount Factor Table
  50. Continuous Insurance Discount Factor Table (Incept as Silver)
  51. Continuous Insurance Discount Factor Table (Renew as Silver)
  52. Continuous Insurance Discount Factor Table (Incept as Gold)
  53. Continuous Insurance Discount Factor Table (Renew as Gold)
  54. Continuous Insurance Discount Factor Table
    (Incept as Platinum)
  55. Continuous Insurance Discount Factor Table
    (Renew as Platinum)
  56. Continuous Insurance Discount Factor Table
    (Renew as White Diamond)
  57. Continuous Insurance Discount Factor Table
    (Renew as Diamond)
  58. Paperless Discount Factor Table 
  59. Mature Driver Discount
  60. Business Use Surcharge Factor Table
  61. Financial Responsibility Filing Surcharge Factor Table
  62. Policy Term Factor Table
  63. Usage Based Insurance Factor Table – Initial Discount
  64. Usage Based Insurance Factor Table – Subsequent Discount
  65. Verified Mileage Factor Table (New)
  66. Bad Debt Factor Table
  67. Operations Expense Factor Table
  68. Operations Expense Foreign Drivers License Factor Table
  69. Operations Expend Late/Insufficient Payment Factor Table
  70. Operations Expense Point Factor Table
  71. POP/Prior BI Limit Group Table
  72. Vehicle Symbol Factor Table
  73. Auxiliary Symbol Factor Table (New)
  74. Private Passenger Auto Symbols: Series 2008

Removed Rate:

  1. ON-LINE Discount Factor Table
  2. Acquisition Expense Full Coverage Factor Table
  3. Acquisition Expense Residence Insurance Factor Table
  4. Acquisition Expense On-Line Quote Factor Table
  5. Acquisition Expense Proof of Prior Insurance Factor Table
  6. Acquisition Expense Vehicle Count Factor Table

Rules (Start on Page 1689 of PDF file):

  • B02 Installment Fee
  • B03 NSF Fee
  • B04 Late Fee Charges
  • B05 Renewal Payments
  • B80 Cancel Methodology
  • D01 Driver Definitions
  • D02 Permit Rating
  • D03 Driver Classification – Talks about years you held a valid license
  • D04 Driving Record Classification – They look SOURCE of POINTS accidents/violation while driving PPA, CMV, MC or REC VEH…they are counting accidents for commercial
  • D05 Unverifiable Driving Record and Foreign Driver's License - ???
  • D06 Driving Violation Descriptions
  • D07 Financial Responsibility Filing Fee – Will not write in MA
  • D08 Unacceptable Drivers - added language terminated/voided by Company??
  • D10 Distant Student Discount
  • D11 Minor Child Discount
  • D12 Good Student Discount
  • D81.A Driver Training – if licensed less than 7 years
  • D81.B Mature Driver Discount – Doesn’t seem right how they assign ??
  • D81.C 4/5 Year Violation Surcharge (new)
  • P01 Liability Increased Limits - ??
  • P02 UM/UIM BI Limits -
  • P03 Limited Collision
  • P04 Medical Payments Limits
  • P05 PIP Limits
  • P06 Comprehensive and Collision Coverages
  • P08 Unacceptable Policies  -
  • P09 Expense Loads
  • P10 Short Rate Penalty Fee - $50 for insured request or non-pay
  • P11 Reinstatement After Cancellation for Non-payment
  • P12 Treatment of Total Loss Vehicles
  • P13 Hardship Accommodation
  • P14 Preferred Status
  • P15 Prior Insurance Classification
  • P16 Progressive as Proof of Prior Insurance
  • P18 Accident Surcharge Waiver - ?? accident forgiveness??
  • P19 Low Payout Claim Forgiveness
  • P23 Rate Capping
  • P24 Multi-car Discount
  • P25 Multi-policy Discount
  • P26 Residence Insurance Discount
  • P28 Paid in Full Discount
  • P29 Electronic Funds Transfer Discount
  • P30 Paperless Discount
  • P33 Advance Quote Discount (New)
  • P34 Continuous Insurance Discount
  • P35 Residency Rewards
  • P36 Three - year Safe Driving Discount
  • P38 Five - year Accident Free Discount
  • P40 Full Coverage Status
  • P42 Household Member Factor
  • P43 Financial Responsibility Filing Surcharge
  • P48 Household Structure - ??
  • P81 Summary of Coverage Abbreviations
  • P84.B Category Factor
  • P84.C Garaging Zip Versus Mailing Zip Factor
  • V01 Vehicle Symbols
  • V02 Model Year
  • V03 Vehicle Age
  • V04 Value Class Vehicle Rating
  • V05 Loan/Lease Payoff Unacceptable Risks
  • V06 Unacceptable Vehicle Types
  • V07 Vehicle Garaging Location Rating
  • V08 Unacceptable Vehicle Garaging Locations
  • V09 Vehicle Use Definitions
  • V10 Unacceptable Vehicle Use
  • V11 Business Use Surcharge
  • V12 Excess Vehicle Factor
  • V13 Usage-based Insurance
  • V90 Verified Mileage (New)
  • V91 Pre-Insurance Inspection Program
  • X02 Prior BI Limits

Mark up of Changes to forms

05/09/14 New
PRGS126628122 Consumer Guide Ways to Save 5/4/11 New/Renewal
PRGS09MAR11981 RV Installment Plan 4/1/00 New/Renewal
PRGS09MAR11976 Motorcycle Installment Plan 4/1/09 New/Renewal
PRGS09MAR11903 RV Forms, Rates, Rules 4/1/09 New/Renewal
PRGS09MAR11897 Motorcycle Manual, Rates, Rules 4/1/09 New/Renewal