Delaware Private Passenger Automobile Insurance Farm Family Insurance Company Robert Penick ACAS, MAAA Actuarial Services

Summary Private Passenger Automobile Program Currently have 2,909 policies Filing  Originally filed 14.3% rate increase  Amended filing to 9.9% rate increase  Base rates and model year factors  Annual premium per vehicle - $856  Annual premium change per vehicle - $85 Prior Rate Changes  9.9% 02/2011  10.4% 02/2007  Prior change 12/2002

Losses and Expenses per $1 of Premium 2007 $ $ $ $ $1.20 Past 5 years $1.15 Past 3 years $1.12

Discounts Defensive Driving Discount (10-15% for Liability premiums) Safe Driver Discount (5-10% for Liability and Collision premiums) Package Account Discount (10%) Good Student Discount (10-12%) Driver Training Discount (10%) Full Coverage Discount (5%) Renewal Discount (2%) Passive Restraint Discount (Up to 30% on PIP premiums) Anti-Theft Device Discount (5-15% for Comprehensive premiums) Multi-Car Discount (5-30%) Anti-Lock Brake Discount (5% for BI and PD premiums)

Discounts Defensive Driving Discount (10-15% for Liability premiums)  Applies when an operator receives a certificate certifying voluntary attendance and successful completion of an accident prevention course or motorcycle rider course approved by the Insurance Commissioner. Safe Driver Discount (5-10% for Liability and Collision premiums)  Applies when a policy has been continuously insured with Farm Family and all drivers have been licensed for 5 years or more claim-free and conviction- free. Package Account Discount (10%)  Applies when an owner-occupied residence is insured with Farm Family. Good Student Discount (10-12%)  Applies when a youth under 21 years of age is a full time student and is in the top 20% of their class or maintains a “B” average. Driver Training Discount (10%)  Applies when a youth under 21 years of age successfully completes a qualifying driver education course.