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Delaware Private Passenger Automobile Insurance

Delaware Private Passenger Automobile Insurance. Allstate Indemnity Company March 20, 2012. Ed Clark, State Manager Wasim Chowdhury, Assistant Actuary. Overview. Allstate Indemnity Company

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Delaware Private Passenger Automobile Insurance

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  1. Delaware Private Passenger Automobile Insurance Allstate Indemnity Company March 20, 2012 • Ed Clark, State Manager • Wasim Chowdhury, Assistant Actuary

  2. Overview • Allstate Indemnity Company • Currently has 1238 policyholders, represents 3.4% of our policies in Delaware, 4.8% of the households we insure • Insures higher risk drivers due to history of accidents and/or moving violations or drivers without prior insurance • Rate change pending: requested a 15% average premium increase, agreed with INS Consultants to reduce to 8.5% • Current Average 6 month premium: $830 • Average proposed increase: $70 • Last rate change: July 2008, decrease of 13.1% • Last premium increase: December 2002 • If questions, contact your local Allstate Agency, 1(800) Allstate or Allstate.com

  3. Historical Data

  4. Discounts Available • Allstate Easy Pay Discount (6%) • Homeownership Discount (5%) • Defensive Driver Discount (up to 15% on liability coverages) • Resident Student Discount (up 35% on certain coverages) • Good Student Discount (up to 20%) • Senior Adult Discount (15% on PIP Coverage) • Passive Restraint Discount (up to 30% on PIP Coverage) • Performance Discount (varies by coverage, about 12%) • Antilock Brake Discount (10% on a few coverages) • The Good Hands People Discount (10%) • Good Payer Discount (5%) • Multiple Policy Discount (7%) • Future Effective Date Discount (5%)

  5. Discounts Available • Allstate ® Easy Pay Discount (6%) - Applies when the policy premium is paid through the Allstate® Easy Pay Plan • Homeownership Discount (5%) - Applies when the named insured and/or spouse owns a home, townhome, condominium or mobilehome • Defensive Driver Discount (up to 15% on liability coverages) - 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.

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