Personal Auto InsuranceQuestion 28 of 158
Which of the following is a permissible OPTIONAL rating factor for personal auto in California, used only AFTER the three mandatory primary factors?
a.Driving safety record
b.Type of vehicle (make and model)
c.Annual miles driven
d.Years of driving experience
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 §2632.5Practice all 158 questions free — no signup required.
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