Personal Auto InsuranceQuestion 5 of 158
Under Proposition 103, California personal auto insurers must give greatest weight, in order, to which three primary rating factors?
a.Driving safety record, annual miles driven, years of driving experience
b.Vehicle make, garaging ZIP code, credit score
c.Credit score, annual miles driven, vehicle type
d.Years of driving experience, gender, marital status
Explanation
Insurance Code §1861.02(a), enacted by Proposition 103 in 1988, requires personal auto rates to give greatest weight, in this order, to the insured's driving safety record, annual miles driven, and years of driving experience. Optional factors (vehicle type, garaging location, marital status, persistency, academic record) may be used only after these three primary factors.
Law Reference: Cal. Ins. Code §1861.02(a)Practice all 158 questions free — no signup required.
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