Which of the following is a permissible OPTIONAL rating factor for personal auto in California, used only AFTER the three mandatory primary factors?
Explanation
Under Insurance Code §1861.02 and 10 CCR §2632.5, the three MANDATORY primary rating factors, in order, are driving safety record, annual miles driven, and years of driving experience. Vehicle type/make/model is one of the permitted optional secondary factors that may be used only after the three primaries are given greatest weight. Prohibited factors include credit history and ZIP code as a standalone primary.
Law Reference: Cal. Ins. Code §1861.02; 10 CCR §2632.5This topic, taught in full in the Personal Lines Insurance Producer guide. Personal Lines Insurance Producer — Complete Study Guide (2026) — PDF + EPUB, $19.99 · 14-day refund →
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