Company |
Austin Mutual |
Company |
Austin Mutual |
Program |
Safe Driver |
Program |
Standard |
Credit Score/Financial |
Requires 600 or better score |
Credit Score/Financial |
Requires 600 or better score |
Prior Insurance |
|
Prior Insurance |
|
|
Prior Carrier |
Prior coverage in standard market for past 12 months |
Prior Carrier |
Prior coverage in standard market for past 12 months |
|
Lapse of Prior Coverage |
No lapse of coverage is permitted |
Lapse of Prior Coverage |
No lapse of coverage is permitted |
Drivers |
|
Drivers |
|
|
Driver Age |
age 23 to 74….age 70 and up require medical stmt |
Driver Age |
age 21 to 74….age 70 and up require medical stmt |
|
Children’s Age |
No restriction |
Children’s Age |
No restriction |
|
Physical Impairments |
Nothing that hinders driving |
Physical Impairments |
Nothing that hinders driving |
|
Room Mates Information |
Include boyfriends and girlfriends on policy |
Room Mates Information |
Include boyfriends and girlfriends on policy |
|
Are Excluded Drivers Allowed |
Cannot exclude spouse or children |
Are Excluded Drivers Allowed |
Cannot exclude spouse or children |
|
Other Driver Items |
|
Other Driver Items |
|
Driving Record/Losses |
|
Driving Record/Losses |
|
|
Record Experience Period |
5 years |
Record Experience Period |
5 years |
|
At Fault Accidents per Person |
0 in 5 years |
At Fault Accidents per Person |
0 in 3 years, 1 under 1000 PD in years 4 & 5 |
|
At Fault Accidents per Policy |
0 in 5 years |
At Fault Accidents per Policy |
Same as per person. Under 23 - clean 5 years |
|
No Fault Accidents per Person |
2 no fault with proof - not considered an incident |
No Fault Accidents per Person |
2 no fault with proof - not considered an incident |
|
No Fault Accidents per Policy |
2 no fault with proof - not considered an incident |
No Fault Accidents per Policy |
2 no fault with proof - not considered an incident |
|
Minor Convictions per Person |
0 in 3 years; 1 in years 4 & 5; 0 in 5 under 23 |
Minor Convictions per Person |
1 in 3 years; 2 in 5 years; 0 in 5 under 23 |
|
Minor Convictions per Policy |
0 in 3 years, 1 in years 4 & 5 |
Minor Convictions per Policy |
2 in 3 years, 3 in 5 years |
|
Maximum Incidents per Person |
0 in 3 years, 1 in years 4 & 5 |
Maximum Incidents per Person |
1 in 3 years; 2 in 5 years; 0 in 5 under 23 |
|
Maximum Incidents per Policy |
0 in 3 years, 1 in years 4 & 5 |
Maximum Incidents per Policy |
2 in 3 years, 3 in 5 years |
|
At Fault Accident with Ticket |
0 in five years - considered an accident if minor violation |
At Fault Accident with Ticket |
1 in years 4 & 5 - considered only accident if minor violation |
|
Major Convictions |
0 in 5 years |
Major Convictions |
0 in 5 years |
|
Window Chip Comp Losses |
1 per car is satisfactory in 3 years |
Window Chip Comp Losses |
1 per car is satisfactory in 3 years |
|
Other Comp Losses |
No pattern in 3 years |
Other Comp Losses |
No pattern in 3 years |
|
No Fault Collision Losses |
Same as not at fault accident |
No Fault Collision Losses |
Same as not at fault accident |
|
At Fault Accident Surcharge |
No accident allowed in 3 years. 15% if over $1000 |
At Fault Accident Surcharge |
No accident allowed in 3 years. 15% if over $1000 |
|
Other Records/Loss Items |
|
Other Records/Loss Items |
If an small at faul accident exists in years 4 & 5, no other violation can be present on the policy - minor ticket with accident is OK |
Vehicle Rating Items |
|
Vehicle Rating Items |
|
|
Number of Vehicles |
1 or more |
Number of Vehicles |
1 or more |
|
Vehicle Age Limitations |
Over age 15 - No Physical Damage |
Vehicle Age Limitations |
Over age 15 - No Physical Damage |
|
Coverage Requirements |
One vehicle must have comp and collision |
Coverage Requirements |
One vehicle must have comp and collision |
|
Business Use Allowed |
Salesman use OK |
Business Use Allowed |
Salesman use OK |
|
Contractor Use Allowed |
No |
Contractor Use Allowed |
No |
|
One Ton Pickup Allowed |
No |
One Ton Pickup Allowed |
No |
|
Limit on Miles to Work |
No limit |
Limit on Miles to Work |
No limit |
|
Limit on Annual Mileage |
No limit |
Limit on Annual Mileage |
No limit |
|
Other Vehicle Rating Items |
|
Other Vehicle Rating Items |
|
Other Rating Items |
|
Other Rating Items |
|
|
Coverage Limit Rating Items |
100/300/100 liability required |
Coverage Limit Rating Items |
100/300/100 liability required |
|
Miles to Work Rating Criteria |
1 to 3; 4 to 10; 11 or more |
Miles to Work Rating Criteria |
1 to 3; 4 to 10; 11 or more |
|
U S Citizen Requirement |
No |
U S Citizen Requirement |
No |
|
Supporting Policy Requirement |
Requires and Homeowners or renters policy |
Supporting Policy Requirement |
Requires and Homeowners or renters policy |
|
Other Rating Items |
|
Other Rating Items |
|
Discount-Surcharges |
|
Discount-Surcharges |
|
|
Homeowners Package Discount |
10% discount with HO3 & HO4 (minimum of $150 HO premium)….15% discount with Home-Extra or Home Extra |
Homeowners Package Discount |
10% discount with HO3 & HO4 (minimum of $150 HO premium)….15% discount with Home-Extra or Home Extra |
|
Home Ownership Discount |
None |
Home Ownership Discount |
None |
|
Multi Car Discount |
15% with all vehicles that have liability coverage |
Multi Car Discount |
15% with all vehicles that have liability coverage |
|
Claim Free Discount |
None |
Claim Free Discount |
None |
|
Good Student Discount |
15% - age 16 to 24 |
Good Student Discount |
15% - age 16 to 24 |
|
Drivers Training Discount |
10% - age 16 to 24 |
Drivers Training Discount |
10% - age 16 to 24 |
|
Air Bags Discount |
|
Air Bags Discount |
|
|
Anti-lock Brakes Discount |
|
Anti-lock Brakes Discount |
|
|
Passive Sec Alarm Discount |
5% discount on comprehensive - same as active |
Passive Sec Alarm Discount |
5% discount on comprehensive - same as active |
|
Active Sec Alarm Discount |
5% discount on comprehensive - same as passive |
Active Sec Alarm Discount |
5% discount on comprehensive - same as passive |
|
Other Discounts & Surcharges |
Age discount for senior driver - 8% for age 55 to 64; 5% for age 65 to 70…..Farm territory discount of 10% classification 1AF - farm use only - No youthful operators, not driven to work or school, not used in business other than farming |
Other Discounts & Surcharges |
Age discount for senior driver - 8% for age 55 to 64; 5% for age 65 to 70…..Farm territory discount of 10% classification 1AF - farm use only - No youthful operators, not driven to work or school, not used in business other than farming |
Vehicles |
|
Vehicles |
|
|
Unacceptable Vehicles |
Anniversary Cars, Barracuda, Bradley GT, Bricklin, Hot Rod Camaros, Corvette, Datsun 280Z & ZX, Dodge Viper and Stealth, Chev Geo Tracker 98 and prior, High performance autos, Jeep CJ-5 & CJ-7 & Wranglers, Kit Cars, Lotus, Mazda RX-7, Pace cars, Pontiac Fiero, Hot Rod Firebirds, Suzuki Samurai & Sidekick, Vehicles valued $50,000 or more. |
Unacceptable Vehicles |
Anniversary Cars, Barracuda, Bradley GT, Bricklin, Hot Rod Camaros, Corvette, Datsun 280Z & ZX, Dodge Viper and Stealth, Chev Geo Tracker 98 and prior, High performance autos, Jeep CJ-5 & CJ-7 & Wranglers, Kit Cars, Lotus, Mazda RX-7, Pace cars, Pontiac Fiero, Hot Rod Firebirds, Suzuki Samurai & Sidekick, Vehicles valued $50,000 or more. |
|
Restricted Vehicles |
No restricted list - all are unacceptable |
Restricted Vehicles |
No restricted list - all are unacceptable |
|
Motor Home Rating |
Yes - Choose symbol based on current actual value - rate using Priority Rating |
Motor Home Rating |
Yes - Choose symbol based on current actual value - rate using Priority Rating |
|
Travel Trailer Rating |
Yes - Get current value - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
Travel Trailer Rating |
Yes - Get current value - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
|
Other Trailer Rating |
Yes - Get current value - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
Other Trailer Rating |
Yes - Get current value - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
|
Conversion Van Rating |
Yes - Choose symbol based on current actual value - rate using Priority Rating |
Conversion Van Rating |
Yes - Choose symbol based on current actual value - rate using Priority Rating |
|
Pickup Topper Rating |
Yes - Must be listed as a separate unit - Get current value, year and make - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
Pickup Topper Rating |
Yes - Must be listed as a separate unit - Get current value, year and make - Multiply times .0077. $100 deductible comp and $250 deductible collsion. No other deductibles |
|
Other Vehicle Items |
|
Other Vehicle Items |
|
Policy Term/Payments |
|
Policy Term/Payments |
|
|
Policy Term |
6 months |
Policy Term |
6 months |
|
Billed Payments Available |
Yes - 2 month down payment with no fee - equal monthly installments plus a $7 service fee for each |
Billed Payments Available |
Yes - 2 month down payment with no fee - equal monthly installments plus a $7 service fee for each |
|
EFT Payments Available |
Yes - 2 month down payment - equal monthly installments with no fees |
EFT Payments Available |
Yes - 2 month down payment - equal monthly installments with no fees |
|
Credit Card Payment Available |
No |
Credit Card Payment Available |
No |
|
App Binding Requirement |
Mail on or before effective date. Company rejects binding date if 7 days |
App Binding Requirement |
Mail on or before effective date. Company rejects binding date if 7 days |
|
Claim Reporting Procedure |
Call company 24 hours per day to report claims - 1-888-321-9392…………..Glass claims should be reported to the Harmon Glass Network - 1-800-432-0316 |
Claim Reporting Procedure |
Call company 24 hours per day to report claims - 1-888-321-9392…………..Glass claims should be reported to the Harmon Glass Network - 1-800-432-0316 |