Tesla Insurance Tesla Filing

SERFF Tracking #: MISF-132484598 State Tracking #: S684013 Company Tracking #: RCMIC-PA-TX-2001-R
State: Texas Filing Company: Redpoint County Mutual Insurance Company

TOI/Sub-TOI: 19.0 Personal Auto/19.0001 Private Passenger Auto (PPA)
Product Name: Personal Auto
Project Name/Number: /
Table of Contents
User Usage Agreement
Attachments
Usage Agreement Usage Agreement.pdf
Rate-Rule Attachments (ex. Document Name Attachment Name)

Tesla Insurance Services InsurTech TIS TX RR Rules_2020_11_30.pdf
Solution Personal Auto Program
Rules
Tesla Insurance Services TIS TX RR Rules_2020_10_30.pdf

InsurTech Solution Personal Auto
Program Rules
Tesla Insurance Services Tesla Rules - TX.pdf

InsurTech Solution Personal Auto
Program Rules
Rate Tables TIS TX RR Rating Algorithm and Rate Tables_2020_12_02.pdf
Rate Tables TIS TX RR Rating Algorithm and Rate Tables_2020_10_30.pdf
Rate Tables TIS TX Rating Algorithm and Rate Tables.pdf
Supporting Document (ex. Supporting Document Name Attachment Name)

Attachments
Actuarial Support TIS TDI Exhibit E - Liability.pdf
Actuarial Support TIS TDI Exhibit E - Physical Damage.pdf
Actuarial Support TIS TDI Exhibit L - Profit Provision.pdf
Actuarial Support Tesla Filing Exhibit CM (page 1).pdf
Actuarial Support TIS TX RR Exhibits_2020_12_02.pdf
PDF Pipeline for SERFF Tracking Number MISF-132484598 Generated 12/03/2020 01:23 AM

Actuarial Support TIS TX RR Exhibits_2020_10_30.pdf
Actuarial Support TIS TX RR Exhibits.pdf
Exhibit A TIS TDI Exhibit A.pdf
Filing Memorandum (Rates/Rules) TIS TX RR Actuarial Memo_2020_11_30.pdf
Filing Memorandum TIS TX RR Actuarial Memo_2020_10_30.pdf

(Rates/Rules)
Filing Memorandum TIS TX RR Actuarial Memo.pdf

(Rates/Rules)
Filing Authorization Letter Tesla Insurance Services - Milliman Authorization Letter 08 07

2020.pdf
Rate Tables in Track Changes Mode TIS_TX Rating Algorithm and Rate Tables_track changes from
From Crestbrook Crestbrook.pdf
Rule Manual in Track Changes Mode TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf
Correspondence Attachments (ex. Correspondence Type Attachment Name)

Note To Reviewer TIS TX RR Actuarial Memo_2020_10_30.pdf
Note To Reviewer TIS TX RR Exhibits_2020_10_30.pdf
Note To Reviewer TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf

Filing at a Glance
Company: Redpoint County Mutual Insurance Company
State: Texas
TOI: 19.0 Personal Auto
Sub-TOI: 19.0001 Private Passenger Auto (PPA)
Filing Type: Rate/Rule
Date Submitted: 10/01/2020
SERFF Tr Num: MISF-132484598
SERFF Status: Closed-CL-Closed; No additional info required at this time
State Tr Num: S684013
State Status: CL-Closed; No additional info required at this time
Co Tr Num: RCMIC-PA-TX-2001-R
Effective Date 12/01/2020

Requested (New):
Effective Date
Requested (Renewal):
Author(s): Sheri Scott, Courtney Burke, Celine Showman, Christine O'Brien, Matt Samuel, Linda Hancock
Reviewer(s): Eric Hintikka (primary), Jason Gammage
Disposition Date: 12/02/2020
Disposition Status: CL-Closed; No additional info required at this time
Effective Date (New):
Effective Date (Renewal):

General Information
Project Name: Status of Filing in Domicile:
Project Number: Domicile Status Comments:
Reference Organization: Reference Number:
Reference Title: Advisory Org. Circular:
Filing Status Changed: 12/02/2020
State Status Changed: 12/02/2020 Deemer Date:
Created By: Courtney Burke Submitted By: Sheri Scott
Corresponding Filing Tracking Number: RCMIC-PA-TX-2001-
UW, RCMIC-PA-TX-2001-F, RCMIC-PA-2001-CS
State TOI: Personal Automobile State Sub-TOI: Personal Auto
Filing Description:
Redpoint County Mutual Insurance Company (Redpoint) is pleased to announce its new Private Passenger Auto (PPA) Tesla
Insurance Program for private passenger auto in the State of Texas. The program will be distributed through the digital
InsurTech platform from Tesla Insurance Services of Texas, Inc. (Tesla), formerly called Samson General Agency, Inc.
Company and Contact

Filing Contact Information
Sheri Scott, FCAS, MAAA, Principal and sheri.scott@milliman.com
Actuary
Milliman, Inc. 714-933-1100 [Phone]
19200 Von Karman Avenue
Irvine, CA 92612
Filing Company Information

(This filing was made by a third party - MUSA04)
Redpoint County Mutual Insurance CoCode: 29300 State of Domicile: Texas
Company Group Code: Company Type:
13215 Bee Cave Parkway, Group Name: State ID Number:
Building 2, Suite 150 FEIN Number: 75-6043791
Austin, TX 78738
(737) 615-4700 ext. [Phone]

Filing Fees
State Fees
Fee Required? No
Retaliatory? No
Fee Explanation:
State Specific
1.[PII] Does this filing contain any personally identifiable information (PII)? (See SERFF General Instructions for the definition
and examples of PII.) Answer either YES or NO: : No
2.[Associated filing] Provide the TDI file number or SERFF tracking number for all associated filings: : MISF-132484597
(underwriting guidelines), MISF-132492963 (credit scoring), MISF-132490558 (form)
3.[Deemer date] Do you waive the deemer for form, endorsement, and certificate of insurance filings under 28 TAC 5.9321?
Answer either YES or NO: : not applicable (rate/rule filing)
4.Do you waive the limits on requests for information for rate/rule filings under 28 TAC 5.9336? Answer either YES or NO:: No
5.[Replacement number] Provide the TDI file number of the previously approved forms and endorsements or accepted rates,
rules, or rate/rules that you are replacing: : not applicable (new program)
6.[Reference/adopt] Provide the TDI file number that contains approved forms and endorsements or accepted rates, rules, or
rate/rules that you are referencing/adopting.: not applicable (not an adoption filing)
7.[Interline] State if this is an interline filing and list all lines of insurance the endorsement or rate/rules applies to. : not
applicable (not an interline filing)
8.[Dual] For dual filings (monoline and multi-peril) state if this is a new program. If not, provide the TDI file number for either the
previous dual filing, or the previous monoline and multi-peril filings approved for this program:: not applicable (not a dual filing)
9.[Policy form] What policy form do these endorsements and forms go with? List the TDI file number where the policy form was
approved or referenced:: not applicable (new program)
10.[RPG] Will this filing be used for a Risk Purchasing Group? Answer either YES or NO. If yes, provide the name: : No
11. [COVID-19] Is this filing related to the COVID-19 pandemic? Answer either YES or NO.: No

Correspondence Summary
Dispositions
Status Created By Created On Date Submitted
CL-Closed; No Eric Hintikka 12/02/2020 12/02/2020
additional info
required at this
time
Objection Letters and Response Letters

Objection Letters Response Letters
Status Created By Created On Date Submitted Responded By Created On Date Submitted
Information Eric Hintikka 11/24/2020 11/24/2020 Matt Samuel 12/02/2020 12/02/2020
Requested
Amendments
Schedule Schedule Item Name Created By Created On Date Submitted
Supporting Actuarial Support Matt Samuel 12/01/2020 12/01/2020
Document
Supporting Filing Memorandum (Rates/Rules) Matt Samuel 12/01/2020 12/01/2020
Document
Supporting Rule Manual in Track Changes Mode Matt Samuel 12/01/2020 12/01/2020
Document
Rate Tesla Insurance Services InsurTech Solution Personal Auto Sheri Scott 10/30/2020 10/30/2020
Program Rules
Rate Rate Tables Sheri Scott 10/30/2020 10/30/2020
Rate Explanatory Memo - Model Sheri Scott 10/30/2020 10/30/2020
Rate Explanatory Memo - Model Christine O'Brien 10/14/2020 10/14/2020
Rate UW Guidelines - Credit Definitions Christine O'Brien 10/14/2020 10/14/2020
Rate UW Guidelines - Safety Tier Definitions Christine O'Brien 10/14/2020 10/14/2020
Supporting Does this filing contain confidential information? Christine O'Brien 10/14/2020 10/14/2020
Document
Filing Notes
Subject Note Type Created By Created On Date Submitted
Revisions to proposed rates to reflect revisions to Note To Reviewer Sheri Scott 10/30/2020 10/30/2020
application of Safety Tier program
Revised
Exhibit 1
Page 1
Redpoint County Mutual Insurance Company
Tesla Private Passenger Auto Program
Texas
Proposed Base Rate Offset
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Coverage
UM/UIMBI
Base Rate Offset Calculation BI PD Med PIP Comp Coll UM/UIMBI CSL UM/UIMPD Total
A. Crestbrook Approved Base Rate (Note 1) $344.50 $387.00 $62.40 $310.20 $454.10 $759.80 $88.40 $141.86 $31.41 $2,579.67
B. Offset for Term Length (Note 2) 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500 0.500
C. Offset for Tier (Page 2) 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070
D. Offset for Safety Discount (Page 3a) 1.908 1.908 1.908 1.908 1.908 1.908 1.000 1.000 1.000
E. Offset for Loan/Lease Gap Coverage Coverage (Note 3) 1.000 1.000 1.000 1.000 0.950 0.950 1.000 1.000 1.000
F. Residual Indication Adjustment (Page 6) 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
G. Offset for Differences in Variable Expenses (Note 4) 0.929 0.929 0.929 0.929 0.813 0.813 0.929 0.929 0.813
H. Offset Factor (= B x C x D x E x F x G) 0.949 0.949 0.949 0.949 0.789 0.789 0.497 0.497 0.435
I. Dollar Offset for Rental Reimbursement (Page 4) $0.00 $0.00 $0.00 $0.00 -$51.00 $0.00 $0.00 $0.00 $0.00 -$51.00
J. Dollar Offset for Roadside Assistance (Note 5) 0.00 0.00 0.00 0.00 -11.00 0.00 0.00 0.00 0.00 -11.00
K. Indicated Base Rate (= A x H + I + J) $326.83 $367.15 $59.20 $294.29 $296.25 $599.43 $43.95 $70.52 $13.67 $2,071.28
L. Selected Base Rate (= K) 326.83 367.15 59.20 294.29 296.25 599.43 43.95 70.52 13.67 2,071.28
M. Crestbrook Current Fixed Expense Fee $38.00 $39.00 $6.00 $10.00 $25.40 $57.40 $0.00 $0.00 $0.00 $175.80
N. Tesla Proposed Annualized Fixed Expense Fee (Note 6) $12.34 12.66 1.95 3.25 11.13 25.16 0.00 0.00 0.00 66.49
O. Tesla Proposed Fixed Expense Fee (= B x N) 6.17 6.33 0.98 1.63 5.57 12.58 0.00 0.00 0.00 33.26
Notes:
1. From Crestbrook Insurance Company Texas state filing S667255, effective 10/15/2019. Using Territory 246 as base territory. Total includes all coverages but not all coverages would be sold together.
2. Crestbrook Insurance Company offers annual policies but Tesla will be offering semi-annual policies.
3. Loan/Lease Gap Coverage is included in Crestbrook's base policy. Tesla will be offering Loan/Lease Gap coverage as an optional coverage.
Tesla is assuming Loan/Lease Gap premium is 5% of Comprehensive and Collision premium, which is consistent with its CA PPA Program.
4. Variable expense offset from Exhibit 2. BI, PD, Med, PIP, UM/UMBI, UM/UMBI CSL from Page 1a, Comp, Coll, UM/UMPD from Page 1b.
5. Basic Roadside Assistance Coverage is included in Crestbrook's base policy. Tesla will be offering Roadside assistance as an endorsement.
Removing Crestbrook's assumed basic package rate from comprehensive coverage. The proposed rates for Roadside Assistance packages are shown on Page 5.
6. Annualized Fixed Expense Fee from Exhibit 2, Page 2.
Revised
Exhibit 1
Page 2
Texas
Base Rate Offset for Tier
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors
Distribution UM/UIMBI All Covgs
(Note 2) BI PD Med PIP Comp Coll UM/UIMBI CSL UM/UIMPD (Note 4)
A. Crestbrook Tier Factors (Note 1)

Tier 1 70% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Tier 2 20% 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200
Tier 3 10% 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300
B. Crestbrook Book Weighted Average Factor (Note 3) 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070
C. Offset Adjustment (= Row B) 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070
D. Selected Adjustment to Base Rate (= Row C) 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070 1.070
Notes:
1. Factors from Crestbrook Insurance Company approved Texas filing S6410, effective 10/31/2014.
2. Distribution derived from Crestbrook latest California class plan filing, approved SERFF filing NWPP-131860228.
Assuming 90% of policyholders have a clean driving record, which would place them in Tiers 1 or 2 depending on Multipolicy status.
3. Book Weighted Average Factor = Sum [ Col (1) x Current Col Factor ]
4. Factors weighted by base rates for territory 246 from Crestbrook Insurance Company Texas state filing S667255, effective 10/15/2019.
Revised
Exhibit 1
Page 3a
Texas
Base Rate Offset for Safety Discounts
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors
A. Tesla Proposed Safety Tier Factor (Note 2)

Safety Tier 10 10.0% 0.270 0.270 0.270 0.270 0.270 0.270 1.000 1.000 1.000 0.344
Safety Tier 9 10.0% 0.310 0.310 0.310 0.310 0.310 0.310 1.000 1.000 1.000 0.380
Safety Tier 8 10.0% 0.350 0.350 0.350 0.350 0.350 0.350 1.000 1.000 1.000 0.416
Safety Tier 7 10.0% 0.370 0.370 0.370 0.370 0.370 0.370 1.000 1.000 1.000 0.434
Safety Tier 6 (Opt In) 10.0% 0.400 0.400 0.400 0.400 0.400 0.400 1.000 1.000 1.000 0.461
Safety Tier 5 10.0% 0.480 0.480 0.480 0.480 0.480 0.480 1.000 1.000 1.000 0.533
Safety Tier 4 10.0% 0.550 0.550 0.550 0.550 0.550 0.550 1.000 1.000 1.000 0.596
Safety Tier 3 10.0% 0.690 0.690 0.690 0.690 0.690 0.690 1.000 1.000 1.000 0.721
Safety Tier 2 10.0% 0.820 0.820 0.820 0.820 0.820 0.820 1.000 1.000 1.000 0.838
Safety Tier 1 10.0% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
B. Tesla Weighted Average (Note 3) 100% 0.524 0.524 0.524 0.524 0.524 0.524 1.000 1.000 1.000 0.572
C. Offset Adjustment (= 1 / B) 1.908 1.908 1.908 1.908 1.908 1.908 1.000 1.000 1.000 1.816
D. Selected Adjustment to Base Rate (= C) 1.908 1.908 1.908 1.908 1.908 1.908 1.000 1.000 1.000 1.816
E. Does Not Qualify - Unconnected Car (= 1 / D) 0.524 0.524 0.524 0.524 0.524 0.524 1.000 1.000 1.000 0.572
I. Opt Out Factor 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Notes:
1. Expected distribution by Safety Tier.
2. Proposed Safety Tier Factor will be applied to qualified vehicles that opt-in for it. Vehicles that qualify but choose to not opt-in will receive opt-out factor.
All other vehicles will receive the Does Not Qualify - Unconnected Car factor
3. Weighted Average Factor = Sum [ Col (1) x Current Col Factor ]
4. Factors weighted using Crestbrook Insurance Company Texas state filing S667255, effective 10/15/2019.
Revised
Exhibit 1
Page 3b
Texas
Proposed Safety Tier Factors
(1) (2) (3) (4) (5) (6) (7)
Frequency Indicated Safety Selected Credibility Weighted Rebased Proposed

Model Bucket Relativity Safety Tier Tier Factor Credibility Tier Factor Tier Factor
(Note 1) (Note 2) (Note 3) (Note 4) (Note 5) (Note 6) (Note 7)
5 0.490 Safety Tier 10 0.490 100% 0.490 0.270

Safety Tier 9 0.560 100% 0.560 0.310
4 0.630 Safety Tier 8 0.630 100% 0.630 0.350
Safety Tier 7 0.675 100% 0.675 0.370
3 0.720 Safety Tier 6 (Opt in) 0.720 100% 0.720 0.400
Safety Tier 5 0.865 100% 0.865 0.480
2 1.010 Safety Tier 4 1.010 100% 1.010 0.550
Safety Tier 3 1.500 50% 1.250 0.690
1 1.990 Safety Tier 2 1.990 50% 1.495 0.820
Safety Tier 1 2.640 50% 1.820 1.000
Simple Average 1.000 1.108 0.524
Notes:
1. The model scored hold out vehicles in ascending order of risk, and then grouped them into 5 buckets of equal exposure distribution.
2. Hold-out frequency for Model Bucket relative to hold-out frequency for all Model Buckets combined.
3. 10 Tiers are proposed. See actuarial memorandum for more details.
4. Indicated Safety Tier factor for Safety Tiers 10, 8, 6, 4, 2 from Col (2). Safety Tiers 9, 7, 5, 3, calculated as interpolation between Col (2)
Row directly above and Row directly below Current Row. Safety Tier 1 Row = Safety Tier 2 Row x Safety Tier 2 Row / Safety Tier 3 Row.
5. Credibility selected to be 100% for all indicated discounts below Column Average in Col (4), to incent good driving behavior.
Credibility selected as 50% for all indicated surcharges (factors above Column Average) in Col (4) to temper increase as tier worsens.
4. Col (6) = ( Col (4) - 1 ) x Col (5) + 1
5. Column (7) = Column (6) Current Row / Column (6) Safety Tier 1 Row.
Revised
Exhibit 1
Page 4a
Texas
Base Rate Offset for Rental Reimbursement
Underlying Rental Reimbursement 6 Month Base Rate (Note 1) Average

Total Limit Rate Factor
A. $30/$900 27.60
B. $40/$1,200 36.80
C. $50/$1,500 46.00
D. $60/$1,800 55.20
E. $75/$2,250 69.00
F. $100/$3,000 92.00
G. Expected Average Tier Factor 1.000

H. Expected Average Nationwide Affinity Discount 1.000
I. Expected Average Nationwide Associates Discount 0.999
J. Expected Average Financial Responsibility Factor 0.660
K. Crestbrook Base Auto Rental Expense Limit (Note 2) $2,500

L. Implied Base Rate for Crestbrook Base Auto Rental Expense (Note 3) $76.67
M. Indicated Dollar Offset (Note 4) $51.00
Notes:
1. From Depositor's Insurance Company approved Texas filing S10208, from which Crestbrook's
rate level and rating structure were set.
2. Per Crestbrook filing S6410, $2,500 in Auto Rental Expense is included in Crestbrook base policy.
3. Row L interpolated between Rows E and F.
4. Indicated Dollar Offset = G x H x I x J x L, rounded to nearest dollar. Row G through J
is average Depositor factor for each step as it applies to Rental Reimbursement base rate.
Assumes standard tier, 0% affinity, 1% associate, and the average financial responsibility tier 6.
Revised
Exhibit 1
Page 4b
Texas
Rental Reimbursement Coverage
(1) (2)
A. Physical Damage Frequency (Note 1) 6.07%
B. Average Number of Rental Days (Note 2) 9
C. Cost to Rent Out Replacement Car per Day (Note 2) $45.00
D. Loss Cost (A x B x C rounded to two decimals) $24.58
E. Loss Cost Multiplier (Note 3) 1.333
F. Indicated Base Rate (D x E) $32.77
G. Proposed Base Rate $32.00
Notes:
1. Average Texas PPA frequency from Fast Track shown in page 4c.
2. From Tesla.
3. Row E = 1 / [1 - 25% expected expenses as a percent of premium].
Revised
Exhibit 1
Page 4c
Texas
Private Passenger Auto Loss Data and Trends
(1) (2) (3) (4) (5)
Comprehensive Collision
Year Pure Paid Claim Pure Paid Claim
Quarter Premium Frequency Premium Frequency
Ending ($) (%) ($) (%)
2015 - 4 119.24 7.41 248.05 6.39

2016 - 1 135.95 7.85 252.31 6.49
2016 - 2 224.59 9.74 253.93 6.46
2016 - 3 228.64 9.72 257.90 6.50
2016 - 4 231.25 9.64 261.79 6.57
2017 - 1 224.25 9.24 262.67 6.60
2017 - 2 150.02 7.48 263.21 6.65
2017 - 3 278.89 7.98 255.32 6.55
2017 - 4 279.09 7.96 254.37 6.50
2018 - 1 270.16 7.79 253.83 6.38
2018 - 2 243.46 7.22 251.82 6.29
2018 - 3 113.24 6.29 255.01 6.25
2018 - 4 104.74 5.98 253.42 6.18
2019 - 1 109.60 5.94 252.95 6.17
2019 - 2 129.25 6.04 253.16 6.05
2019 - 3 133.84 6.20 254.53 6.05
2019 - 4 150.27 6.32 256.93 6.06
2020 - 1 148.08 6.17 255.77 5.88
Last 4 Quarters Avg. 140.36 6.18 255.10 6.01
Physical Damage Frequency (Note 2) 6.07
Notes:
1. ISO Fast Track Texas data as of 2020 Q1.
2. Physical Damage Frequency = [140.36 x 6.18% + 255.10 x 6.01%] / [140.36+255.10]
Revised
Exhibit 1
Page 5
Texas
Base Rate Offset for Roadside
A. Nationwide Roadside 6 Month Base Rate (Note 1)

Basic 11.00
Plus 21.00
B. Incremental Rate between Basic and Plus Package 10.00
C. Redpoint Proposed Roadside Base Rates (Note 2)

Basic 11.00
Plus 21.00
Notes:
1. From Nationwide Agribusiness Insurance Company approved Texas filing S650932.
Crestbrook Insurance Co included the basic cost in its base comprehensive rate.
2. Proposed base rate for Basic Roadside Package selected based on expected cost.
Base rate for Plus Package derived based on proposed rate for Basic package and
incremental rate shown in row B.
Revised
Exhibit 1
Page 6
Texas
Base Rate Adjustment for Rate Level
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Factors
UM/UIMBI
BI PD Med PIP Comp Coll UM/UIMBI CSL UM/UIMPD All Covgs
Crestbrook Rate Indication (Note 1)

A. Indicated Rate Change 15.9% 14.3% 0.0% 0.0% 19.7% 23.4% 0.0% 0.0% 0.0% 16.5%
B. Rate Change 7.3% 7.3% 0.0% 0.0% 18.0% 12.3% 0.0% 0.0% 0.0% 9.8%
C. Remaining Rate (= [1 + A] / [1 + B] - 1) 8.0% 6.5% 0.0% 0.0% 1.4% 9.9% 0.0% 0.0% 0.0% 6.1%
D. Residual Indicated Base Rate Factor (= 1 + C) 1.080 1.065 1.000 1.000 1.014 1.099 1.000 1.000 1.000 1.061
E. Selected Residual Base Rate Factor (Note 2) 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Notes:
1. From Crestbrook Insurance Company Texas state filing S667255, effective 10/15/2019.
2. The proposal is to accept the approved rates and not adjust for residual indication.
Exhibit 2
Page 1a
Private Passenger Auto Liability
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
2017 2018 2019 Total Industry Selected

$000 % $000 % $000 % $000 % % % Fixed Variable
A. CW Direct Written Premium 65,537 125,523 157,491 348,551
B. CW Direct Earned Premium 55,656 103,706 152,461 311,823
C. State Direct Written Premium 65,537 125,523 157,491 348,550
D. State Direct Earned Premium 55,656 103,706 152,461 311,823
E. CW Commission and Brokerage (Note 2) 8,479 12.9% 8,508 6.8% 11,246 7.1% 28,233 8.1% 7.9% 13.0% 0.0% 13.0%
F. CW Other Acquisition (Note 3) - 0.0% - 0.0% - 0.0% - 0.0% 7.5% 0.0% 0.0% 0.0%
G. CW General Expense (Note 4) 1,659 3.0% - 0.0% - 0.0% 1,659 0.5% 4.9% 5.0% 5.0% 0.0%
H. State Taxes, Licenses, Fees (Note 5) - 0.0% 2,698 2.1% 2,942 1.9% 5,640 1.6% 1.8% 2.0% 0.0% 2.0%
I. Profit & Contingencies (Note 7) 4.5% 0.0% 4.5%
Total Expenses Incl. Profit & Contingencies

J. Proposed Redpoint Tesla PPA Program E+F+G+H+I 24.5% 5.0% 19.5%
K. Approved Crestbrook PPA Program (Note 8) 40.6% 15.4% 25.2%
L. Selected Variable Expense Adjustment (Note 9) 0.929
M. Permissible Loss and LAE Ratio 1-J 75.5%
N. Incurred Losses 48,286 83,976 123,504 255,766

O. Defense Containment Cost (DCCE) (Note 10) 2,495 5.2% 3,880 4.6% 6,846 5.5% 13,221 5.2% 5.2%
P. Adjusting & Other (AOE) (Note 10) 6,362 13.2% 8,809 10.5% - 0.0% 15,171 5.9% 5.9%
Notes:
1. Data for Redpoint County Mutual Insurance Company. CW data from Annual Statement, IEE Part III, and state data from Statutory Pg 14.
2. Commission ratio is relative to written premium.
3. Other Acquisition ratio is relative to written premium.
4. General Expenses ratio is relative to earned premium.
5. Taxes, Licenses, Fees ratio is relative to written premium.
6. Expenses selected based on expected Tesla program expenses.
7. From Exhibit 2, Page 3a.
8. From Crestbrook Insurance Company Texas Filing S654540, effective for new business 7/1/2018.
9. Selected Variable Expense Adjustment = (1 - K) / (1 - J), rounded to the nearest 1 decimal point.
10. Defense Containment Cost ratio and Adjusting & Other ratio are relative to incurred losses.
Exhibit 2
Page 1b
Private Passenger Auto Physical Damage
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable
G. CW General Expense (Note 4) 797 3.0% - 0.0% - 0.0% 797 0.7% 4.9% 5.0% 5.0% 0.0%
H. State Taxes, Licenses, Fees (Note 5) - 0.0% 963 2.1% 865 1.9% 1,828 1.5% 1.8% 2.0% 0.0% 2.0%


O. Defense Containment Cost (DCCE) (Note 10) 428 2.7% 390 2.1% 386 1.3% 1,204 1.9% 1.9%
Notes:
7. From Exhibit 2, Page 3b.
Exhibit 2
Page 2
Private Passenger Auto
Texas
Fixed Expense Fee
(1) (2) (3) (4) (5) (6)
Selected
Fixed Expense % Coverage
Liability Coverages (Note 1) BI PD Med PIP Total
A. Crestbrook Current Annual Fixed Expense Fee (Note 2) 15.4% $38.00 $39.00 $6.00 $10.00 $93.00
B. Redpoint Proposed Annual Fixed Expense Fee (Note 3) 5.0% $12.34 $12.66 $1.95 $3.25 $30.20
Selected
Physical Damage Coverages (Note 1) Comp Coll Total
C. Crestbrook Current Annual Fixed Expense Fee (Note 2) 14.6% $25.40 $57.40 $82.80
D. Redpoint Proposed Annual Fixed Expense Fee (Note 4) 6.4% $11.13 $25.16 $36.29
Notes:
1. From Exhibit 2, Pages 1a and 1b for Liability and Physical Damage, respectively, rows J and K for Redpoint and Crestbrook, respectively.
3. Proposed Annual Expense Fee for Liability Coverages in Cols 2 through 6 = [Row B, Col (1) / Row A, Col (1)] x Row A, Current Col.
4. Proposed Annual Expense Fee for Physical Damage Coverages in Cols 2 through 3 = [Row D, Col (1) / Row C, Col (1)] x Row C, Current Col.
Exhibit 2
Page 3a
Underwriting Profit Derivation
A. Total After-Tax Rate of Return on Statutory Surplus Page 7 10.7%
B. After-Tax Return on Investment Page 5 3.3%
C. Premium to Surplus Ratio Page 6 0.78
D. After-Tax Return from Insurance Operations (A - B) / C 9.5%
E. After-Tax Inv. Income on Policyholder Supplied Funds Page 4a 1.7%
F. Underwriting Profit After Federal Income Tax D-E 7.7%
G. Underwriting Profit Before Federal Income Tax F / (1 - 21%) 9.8%
H. Selected Profit & Contingencies as Percent of Premium 4.5%

Exhibit 2
Page 3b
E. After-Tax Inv. Income on Policyholder Supplied Funds Page 4b 0.5%

Exhibit 2
Page 4a
Private Passenger Auto - Liability
Estimated Investment Earnings on Policyholder Supplied Funds
A. Projected Earned Premium for PPA Program 7,530
B. Unearned Premium Reserve

(1) Average Unearned Premium Reserve Note 1 3,765
(2) Percentage Pre-Paid Expense 17.5%
(a) Commission & Brokerage Fees Page 1a 13.0%
(b) 50% of General & Other Acq. Expenses Page 1a 2.5%
(c) Taxes, Licenses & Fees Page 1a 2.0%
(3) Deduction for Federal Income Taxes Payable Note 2 4.2%
(4) Total Prepaid Expense B1 x (B2 + B3) 817
(5) Portion Subject to Investment Income B1 - B4 2,948
C. Delayed Remission of Premiums

(1) Average Agents' Balance as % of Premium C1c 35.2%
(a) Calendar Year 2019 Agents' Balances Note 3 33.2%
(b) Calendar Year 2018 Agents' Balances Note 3 40.7%
(c) Calendar Year 2017 Agents' Balances Note 3 31.6%
(d) Indicated Agents Balance (C1a + C1b + C1c) /3 35.2%
(2) Total Delayed Remission A x C1 2,648
D. Loss & LAE Reserve

(1) Expected Loss & LAE Ratio Page 1a 75.5%
(2) Expected Loss & LAE A x D1 5,685
(3) Reserve to Incurred Ratio D3e 0.65
(a) Calendar Year 2019 Unpaid Losses & LAE Note 3 106,141
(b) Calendar Year 2018 Unpaid Losses & LAE Note 3 62,384
(c) Average Unpaid Losses & LAE (D3a + D3b) / 2 84,263
(d) Calendar Year 2019 Incurred Loss & LAE Note 3 130,350
(e) Indicated Reserve to Incurred Ratio D3c / D3d 0.65
(4) Expected Loss & LAE Reserves D2 x D3 3,675
E. Policyholder Funds Subject to Investment Income B5 - C2 + D4 3,975

F. 2019 After-Tax Rate of Return Page 5 3.3%
G. Investment Earnings on Policyholder Supplied Funds ExF 130
H. After-Tax Investment Income on Policyholder Supplied Funds G/A 1.7%
Notes:
1. Assumed 50% of Projected Earned Premium shown in Row A.
2. The Tax Reform Act of 1986 taxes 20% of the unearned premium reserve.
This was not changed by the Tax Cut and Jobs Act of 2017. At a corporate rate of 21%,
the tax equals 4.2% ( = 20% x 21%)
3. From Redpoint County Mutual Insurance Company, Countrywide Insurance Expense Exhibit, Part III
for Private Passenger Auto Liability.
Exhibit 2
Page 4b
Private Passenger Auto - Physical Damage

(a) Commission & Brokerage Fees Page 1b 13.0%
(b) 50% of General & Other Acq. Expenses Page 1b 4.3%
(c) Taxes, Licenses & Fees Page 1b 2.0%


(1) Expected Loss & LAE Ratio Page 1b 70.5%

Notes:
the tax equals 4.2% ( = 20% x 21%)
for Private Passenger Physical Damage.
Exhibit 2
Page 5
Derivation of After-Tax Return on Investment
(1) (2) (3) (4) (5)
2019 2019
Inv. Income After-Tax After-Tax
Earned Tax Portion Inv. Income
Investment Category (Note 2) Rate 1 - (2) (1) x (3)
Taxable Bonds 28,552,380 21.00% 79.00% 22,556,380.1
Non-Taxable Bonds 7,442,151 5.25% 94.75% 7,051,437.9
Preferred Stocks 621,298 21.00% 79.00% 490,825.5
Common Stocks 8,276,900 21.00% 79.00% 6,538,750.7
Common Stock in Affiliates 1,703,709 13.13% 86.87% 1,480,012.4
Cash 2,452,347 21.00% 79.00% 1,937,354.5
All Other Investments 9,313,431 21.00% 79.00% 7,357,610.8
A. Total 58,362,217 47,412,372
B. Total Investment Expense 3,487,693 21.00% 79.00% 2,755,277
C. Net Inv. Income Earned (= A - B) 54,874,524 44,657,094
D. Invested Assets as of 12/31/2019 (Note 3) 1,871,188,803
E. Invested Assets as of 12/31/2018 (Note 3) 1,703,075,569
F. Average Invested Assets (= (D + E) / 2) 1,787,132,186
G. After-Tax Rate of Return on Invested Assets (= C / F) 2.5%
Beginning Ending Average

Invested Invested Invested Net Realized Net Unrealized
Assets Assets Assets Capital Gains Capital Gains
Calendar Year (Note 3) (Note 3) ((1) + (2)) / 2 (Note 4) (Note 5)
2017 1,587,837,614 1,691,629,655 1,639,733,635 22,764,038 55,495,621
2018 1,691,629,655 1,703,075,569 1,697,352,612 13,322,964 (49,953,562)
2019 1,703,075,569 1,871,188,803 1,787,132,186 13,881,550 128,628,570
Total 4,982,542,839 5,265,894,027 5,124,218,433 49,968,552 134,170,629
H. Net Realized Capital Gains Ratio (Note 6) 1.0%

I. Net Unrealized Capital Gains Ratio (Note 7) 2.6%
J. Tax Rate on Capital Gains 21.0%

K. After-Tax Realized Capital Gains (= H x (1 - J)) 0.8%
L. Indicated After-Tax Total Rate of Return (= G + K) 3.3%

M. Selected After-Tax Rate of Return (= L) 3.3%
Notes:
1. Dollar Amounts are in thousands.
2. From P&C Industry, Annual Statements, Page 12 - Exhibit of Net Investment Income, Column 2.
3. From P&C Industry, Annual Statements, Page 2, Line 12, Columns 3 and 4.
4. From P&C Industry, Annual Statements, Page 12 - Exhibit of Capital Gains (Losses), Line 10, Column 3.
6. Net Realized Capital Gains Ratio = Total Net Realized Capital Gains / Total Average Invested Assets.
Exhibit 2
Page 6
Premium to Surplus Ratio
(1) (2)
2018 2019
A. Beginning Surplus As Regards Policyholders (Note 1) 765,659,906 757,105,086
B. Ending Surplus As Regards Policyholders (Note 1) 757,105,086 865,740,633
C. Average Surplus Level 761,382,496 811,422,860
D. Net Earned Premiums (Note 2) 599,557,131 626,927,722
E. Net Premium to Surplus Ratio (= D / C) 0.79 0.77
F. Average Net Premium to Surplus Ratio (Note 3) 0.78

G. Selected Premium to Surplus Ratio (= F) 0.78
Notes:
1. From P&C Industry, Annual Statements, Page 3, Line 37.
2. From P&C Industry
Insurance Expense Exhibit, Part II, Line 35, Column 1.
3. Average of Row E for 2018 and 2019.
Exhibit 2
Page 7
Derivation of After-Tax Target Rate of Return of Statutory Surplus
(1) (2) (3)
Property/ All
Casualty Industry
Year Insurance Total Average
2009 5.7% 10.5% 8.1%
2010 6.0% 12.7% 9.4%
2011 3.5% 14.3% 8.9%
2012 5.2% 13.4% 9.3%
2013 8.0% 16.6% 12.3%
2014 6.6% 14.3% 10.5%
2015 6.6% 12.7% 9.7%
2016 4.8% 13.1% 9.0%
2017 3.2% 13.9% 8.6%
2018 7.0% 15.4% 11.2%
2009-2018 5.7% 13.7% 9.7%

2012-2018 5.9% 14.2% 10.1%
A. Selected After-Tax Return on GAAP Equity 10.1%

B. Industry Ending Surplus As Regards Policyholders 865,740,633
C. Industry Net Unearned Premium Reserve 287,459,490
D. Industry Net Commissions 70,372,769
E. Industry Net Other Acquisition Expenses 43,912,861
F. Industry Net Written Premium 639,271,441
G. Industry Acq. Expenses as a % of Net Earned Premium 17.9%
H. GAAP Equity in Unearned Premium Reserve 51,390,516
I. Industry GAAP Equity 917,131,149
J. GAAP to Statutory Adjustment Factor 1.06
K. Target After-Tax Return on Statutory Surplus 10.7%
Notes:
1. Columns (1) and (2) are from 2018 NAIC Profitability Analysis.
2. Company data in rows B - F are as of Calendar Year 2019.
3. Dollar amounts are in thousands.
4. Rows B and C are data taken from P&C Industry Annual Statement.
5. Rows D, E, and F are data from P&C Industry
Insurance Expense Exhibit, Part II, Line 35.
Exhibit 3
Page 1
Texas
Proposed Autonomous Vehicle Protection Package Premium
(1) (2) (3)
Indicated Selected
A. Proposed Coverages:
Autonomous Vehicle Owner Liability (Note 1) $0.00 $0.00
Cyber Identity Fraud Expense (Note 2) $11.25 $11.00
Wall Charger Coverage (Page 2) $4.67 $5.00
Electronic Key Replacement (Page 3) $4.00 $4.00
Loss Adjustment Expense 10.6% 10.6%
B. Total (= Sum of Coverages from A, rounded) $20.00 $20.00
Notes:
1. Provides coverage when car is being driven by autopilot rather than driver.
The exposure for autopilot level 0 is the base in the policy, which means there are no autonomous
features on the car. It is assumed that the expected loss cost will not increase, but decrease using
autonomous driver assist safety features, and the existing loss cost will shift from existing driver
liability coverages to autonomous vehicle owner liability, so no additional exposure or premium
is assumed for autonomous vehicle owners liability coverage.
2. From Colonial County Mutual Insurance Company approved Texas filing 9212470577, Identity Theft
or Identity Fraud Expense Coverage x 50%, rounded to nearest dollar to recognize lower expected
frequency related to vehicle cyber alone.
Exhibit 3
Page 2
Texas
Wall Charger Coverage
(1) (2)
A. Expected Homeowners Paid Claim Frequency (Note 1) 10%
B. Claim frequency adjustment (Note 2) 10%
C. Cost to Replace Auto Wall Charger (Note 3) $350.00
F. Proposed Premium (D x E) $4.67
Notes:
1. Average Texas Homeowners frequency in the 4 most recent quarters
from Fast Track shown in page 4.
2. It is assumed that 10% of HO frequency is for perils impacting the
proposed wall charger coverage.
3. From Tesla.
Exhibit 3
Page 3
Texas
Key Replacement Coverage
(1) (2)
A. Key Replacemenet Selected Annual Frequency (Note 1) 2%
B. Cost to Replace Key (Note 2) $150.00
C. Loss Cost (A x B rounded to two decimals) $3.00
D. Loss Cost Multiplier (Note 3) 1.333
E. Proposed Premium (C x D) $4.00
Notes:
1. From Insurance Services Office, Inc.
approved multi-state loss cost filing PP-2017-RLC17, Page 9.
2. From Tesla.
3. Row D = 1 / [1 - 25% expected expenses as a percent of premium].
Exhibit 3
Page 4

Texas
Homeowners Loss Data and Trends

Policy Forms 1-3 and 5 Combined
(1) (2) (3) (4)
Year Pure Paid Claim Paid Claim

Quarter Premium Frequency Cost
Ending ($) (%) ($)
2015 - 4 775.39 8.98 8,639

2016 - 1 904.37 10.08 8,973
2016 - 2 1,379.14 16.00 8,620
2016 - 3 1,472.21 16.61 8,862
2016 - 4 1,540.59 16.84 9,149
2017 - 1 1,547.51 16.85 9,185
2017 - 2 1,295.88 12.67 10,228
2017 - 3 1,332.92 13.48 9,886
2017 - 4 1,302.08 13.15 9,900
2018 - 1 1,249.47 12.47 10,021
2018 - 2 1,056.77 10.25 10,315
2018 - 3 935.68 8.46 11,055
2018 - 4 902.51 8.14 11,089
2019 - 1 892.29 8.23 10,840
2019 - 2 965.22 9.08 10,636
2019 - 3 1,031.60 9.74 10,588
2019 - 4 1,104.92 9.90 11,157
2020 - 1 1,120.18 9.60 11,664
Last 4
1,055.48 9.58 11,011
Quarters Avg.
Notes:
1. ISO Fast Track Texas data as of 2020 Q1 including Catastrophes.
Revised
Exhibit 4
Page 1
Texas
Tesla Vehicle Physical Damage Rate Symbol Adjustment
(1) (2)
A. Selected Adjustment Factor SUV models 0.85
B. Selected Adjustment Factor non-SUV models 0.85
Notes:
1. Tesla has agreed to provide parts to accredited body shops at a discounted rate.
Thus, the expected cost to repair Tesla vehicles will be 15% less than ISO expected cost.
Exhibit 4
`
Page 2
Redpoint County Mutual Insurance Revised
Texas
Adjusted Tesla Symbols
Symbol
Current Proposed
VIN Model Year Full Model Name COMP COLL COMP COLL
SFZRE11B&8 2008 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJRE11B&8 2008 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJRE11B&A 2010 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJRE1A1&A 2010 TESLA 2DR CONV RDSTER N/A N/A 61 72
SFZRE2B3&B 2011 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJRE11B&B 2011 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJRE1A1&B 2011 TESLA 2DR CONV RDSTER N/A N/A 61 72
5YJSA1AC&C 2012 MODEL S EV 57 59 52 53
5YJSA1AG&C 2012 MODEL S EV 60 62 57 58
5YJSA1BC&C 2012 MODEL S EV 59 61 55 57
5YJSA1BG&C 2012 MODEL S EV 61 63 58 59
5YJSA1CC&C 2012 MODEL S EV 58 60 54 55
5YJSA1CG&C 2012 MODEL S EV 60 62 57 58
5YJSA1CN&C 2012 MODEL S EV/MODEL S SIGNATURE EV 62 64 59 60
5YJSA1CP&C 2012 MODEL S PERFORMANCE EV 65 67 62 64
5YJSA1DC&C 2012 MODEL S EV 59 61 55 57
5YJSA1DG&C 2012 MODEL S EV 61 63 58 59
5YJSA1DN&C 2012 MODEL S EV/MODEL S SIGNATURE EV 63 65 60 61
5YJSA1DP&C 2012 MODEL S SIGNATURE PERFORMANCE EV 66 68 63 66
5YJSA1AC&D 2013 MODEL S EV 55 63 49 59
5YJSA1AG&D 2013 MODEL S EV 57 65 52 61
5YJSA1BC&D 2013 MODEL S EV 56 64 50 60
5YJSA1BG&D 2013 MODEL S EV 58 66 54 63
5YJSA1CC&D 2013 MODEL S EV 56 64 50 60
5YJSA1CG&D 2013 MODEL S EV 58 66 54 63
5YJSA1CN&D 2013 MODEL S EV 59 67 55 64
5YJSA1CP&D 2013 MODEL S PERFORMANCE EV 62 70 59 67
5YJSA1DC&D 2013 MODEL S EV 56 64 50 60
5YJSA1DG&D 2013 MODEL S EV 58 66 54 63
5YJSA1DN&D 2013 MODEL S EV 60 68 57 66
5YJSA1DP&D 2013 MODEL S PERFORMANCE EV 63 71 60 68
5YJSA1H1&E 2014 MODEL S BASE/MODEL S PERFORMANCE 59 69 55 66
5YJSA1H2&E 2014 MODEL S P85D 65 75 62 71
5YJSA1S1&E 2014 MODEL S BASE/MODEL S PERFORMANCE 57 67 52 64
5YJSA4H1&E 2014 MODEL S 85 57 70 52 67
5YJSA1E1&F 2015 MODEL S 60 54 67 47 64
5YJSA1E2&F 2015 MODEL S 70D AWD 55 68 49 66
5YJSA1H1&F 2015 MODEL S 85 56 69 50 66
5YJSA1V1&F 2015 MODEL S 85 56 69 50 66
5YJSA1H2&F 2015 MODEL S 85D AWD/P85D PERFORMANCE AWD 57 70 52 67
5YJSA1V2&F 2015 MODEL S 85D AWD/P85D PERFORMANCE AWD 57 70 52 67
5YJSA1H4&F 2015 MODEL S P85D PERFORMANCE AWD 61 74 58 71
5YJSA1V4&F 2015 MODEL S P85D PERFORMANCE AWD 61 74 58 71
5YJSA1S1&F 2015 MODEL S 60/MODEL S 70 54 67 47 64
5YJSA1S2&F 2015 MODEL S 70D AWD 55 68 49 66
5YJSA4H1&F 2015 MODEL S 85 57 70 52 67
5YJSA4S2&F 2015 MODEL S 85D AWD/P85D PERFORMANCE AWD 58 71 54 68
5YJSA1E4&F 2015 MODEL S P90D/P100D PERFORMANCE AWD 60 74 57 71
5YJSA1E1&G 2016 MODEL S 60/MODEL S 70/MODEL S 75 53 67 46 64
5YJSA1E2&G 2016 MODEL S 60D/70D/75D/90D AWD 54 68 47 66
5YJSA1E4&G 2016 MODEL S P90D/P100D PERFORMANCE AWD 60 74 57 71
Exhibit 4
`
Page 3
Texas
Symbol
Current Proposed
5YJXCAE2&G 2016 MODEL X 60D/70D/75D/90D AWD 58 65 55 62
5YJXCAE4&G 2016 MODEL X P90D/P100D PERFORMANCE AWD 63 70 61 68
5YJXCBE2&G 2016 MODEL X 60D/70D/75D/90D AWD 58 65 55 62
5YJXCBE4&G 2016 MODEL X P90D/P100D PERFORMANCE AWD 63 70 61 68
5YJXCDE2&G 2016 MODEL X 75D AWD/90D AWD/100D AWD 55 66 50 64
5YJXCDE4&G 2016 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJ3E1EA&H 2017 MODEL 3 42 48 37 37
5YJSA1E1&H 2017 MODEL S 60/MODEL S 75 56 68 50 66
5YJSA1E2&H 2017 MODEL S 60D/75D/90D/100D AWD 57 69 52 66
5YJSA1E4&H 2017 MODEL S P100D AWD 66 75 63 71
5YJXCAE2&H 2017 MODEL X 75D AWD/90D AWD/100D AWD 57 68 53 67
5YJXCAE4&H 2017 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJXCBE2&H 2017 MODEL X 75D AWD/90D AWD/100D AWD 57 68 53 67
5YJXCBE4&H 2017 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJXCDE2&H 2017 MODEL X 75D AWD/90D AWD/100D AWD 55 66 50 64
5YJXCDE4&H 2017 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJ3E1EA&J 2018 MODEL 3 MID RANGE/LONG RANGE 42 56 37 47
5YJ3E1EB&J 2018 MODEL 3 AWD 47 61 41 58
5YJ3E1EB&J 2018 MODEL 3 PERFORMANCE AWD 50 64 44 61
5YJ3E1EA&J 2018 MODEL 3 42 48 37 37
5YJSA1E2&J 2018 MODEL S 75D AWD/MODEL S 100D AWD 56 69 50 66
5YJSA1E1&J 2018 MODEL S 60/MODEL S 75 56 68 50 66
5YJSA1E2&J 2018 MODEL S 60D/75D/90D/100D AWD 57 69 52 66
5YJSA1E4&J 2018 MODEL S P100D AWD 66 75 63 71
5YJXCAE2&J 2018 MODEL X 75D AWD/100D AWD 58 67 55 65
5YJXCBE2&J 2018 MODEL X 75D AWD/100D AWD 59 68 56 67
5YJXCDE2&J 2018 MODEL X 75D AWD/100D AWD 57 66 53 64
5YJXCAE2&J 2018 MODEL X 75D AWD/90D AWD/100D AWD 57 68 53 67
5YJXCAE4&J 2018 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJXCBE2&J 2018 MODEL X 75D AWD/90D AWD/100D AWD 57 68 53 67
5YJXCBE4&J 2018 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJXCDE2&J 2018 MODEL X 75D AWD/90D AWD/100D AWD 55 66 50 64
5YJXCDE4&J 2018 MODEL X P100D PERFORMANCE AWD 63 74 61 72
5YJ3E1EA&K 2019 MODEL 3 STANDARD/STANDARD PLUS/MID/LONG 35 49 28 38
5YJ3E1EB&K 2019 MODEL 3 LONG RANGE AWD 48 62 42 59
5YJ3E1EA&K 2019 MODEL 3 MID RANGE/LONG RANGE 42 56 37 47
5YJ3E1EB&K 2019 MODEL 3 AWD 47 61 41 58
5YJ3E1EB&K 2019 MODEL 3 PERFORMANCE AWD 50 64 44 61
5YJSA1E2&K 2019 MODEL S STANDARD/75D/LONG/BASE/100D AWD 55 68 49 66
5YJSA1E4&K 2019 MODEL S P100D AWD/PERFORMANCE AWD 60 73 57 70
5YJSA1E2&K 2019 MODEL S 75D AWD/MODEL S 100D AWD 56 69 50 66
5YJSA1E4&K 2019 MODEL S P100D AWD 65 75 62 71
5YJXCAE2&K 2019 MODEL X STANDARD/75D/LONG/BASE/100D AWD 58 65 55 62
5YJXCAE4&K 2019 MODEL X P100D AWD/PERFORMANCE AWD 62 69 60 67
5YJXCBE2&K 2019 MODEL X STANDARD/75D/LONG/BASE/100D AWD 59 66 56 64
5YJXCBE4&K 2019 MODEL X P100D AWD/PERFORMANCE AWD 63 70 61 68
5YJXCDE2&K 2019 MODEL X STANDARD/75D/LONG/BASE/100D AWD 58 65 55 62
5YJXCDE4&K 2019 MODEL X P100D AWD/PERFORMANCE AWD 62 69 60 67
5YJXCAE2&K 2019 MODEL X 75D AWD/100D AWD 58 67 55 65
5YJXCAE4&K 2019 MODEL X P100D PERFORMANCE AWD 66 75 64 72
5YJXCBE2&K 2019 MODEL X 75D AWD/100D AWD 59 68 56 67
5YJXCBE4&K 2019 MODEL X P100D PERFORMANCE AWD 66 75 64 72
5YJXCDE2&K 2019 MODEL X 75D AWD/100D AWD 57 66 53 64
5YJXCDE4&K 2019 MODEL X P100D PERFORMANCE AWD 65 74 63 72
5YJ3E1EA&L 2020 MODEL 3 STANDARD RANGE PLUS 40 52 34 40
5YJ3E1EC&L 2020 MODEL 3 PERFORMANCE AWD 51 63 45 60
Exhibit 4
`
Page 4
Texas
Symbol
Current Proposed
5YJ3E1EA&L 2020 MODEL 3 STANDARD/STANDARD PLUS/MID/LONG 35 49 28 38
5YJ3E1EB&L 2020 MODEL 3 PERFORMANCE AWD 51 65 45 62
5YJ3E1EB&L 2020 MODEL 3 LONG RANGE AWD 48 62 42 59
5YJSA1E2&L 2020 MODEL S LONG RANGE AWD 56 69 50 66
5YJSA1E4&L 2020 MODEL S PERFORMANCE AWD 60 73 57 70
5YJSA1E2&L 2020 MODEL S STANDARD/75D/LONG/BASE/100D AWD 55 68 49 66
5YJSA1E4&L 2020 MODEL S P100D AWD/PERFORMANCE AWD 60 73 57 70
5YJXCAE2&L 2020 MODEL X LONG RANGE AWD 59 66 56 64
5YJXCAE4&L 2020 MODEL X PERFORMANCE AWD 62 69 60 67
5YJXCBE2&L 2020 MODEL X LONG RANGE AWD 60 67 58 65
5YJXCBE4&L 2020 MODEL X PERFORMANCE AWD 63 70 61 68
5YJXCDE2&L 2020 MODEL X LONG RANGE AWD 58 65 55 62
5YJXCDE4&L 2020 MODEL X PERFORMANCE AWD 62 69 60 67
5YJXCAE2&L 2020 MODEL X STANDARD/75D/LONG/BASE/100D AWD 58 65 55 62
5YJXCAE4&L 2020 MODEL X P100D AWD/PERFORMANCE AWD 62 69 60 67
5YJXCBE2&L 2020 MODEL X STANDARD/75D/LONG/BASE/100D AWD 59 66 56 64
5YJXCBE4&L 2020 MODEL X P100D AWD/PERFORMANCE AWD 63 70 61 68
5YJXCDE2&L 2020 MODEL X STANDARD/75D/LONG/BASE/100D AWD 58 65 55 62
5YJXCDE4&L 2020 MODEL X P100D AWD/PERFORMANCE AWD 62 69 60 67
5YJ3E1EA&M 2021 MODEL 3 STANDARD RANGE PLUS 40 52 34 40
5YJ3E1EB&M 2021 MODEL 3 LONG RANGE AWD 48 60 42 56
5YJ3E1EC&M 2021 MODEL 3 PERFORMANCE AWD 51 63 45 60
5YJSA1E2&M 2021 MODEL S LONG RANGE AWD 56 69 50 66
5YJSA1E4&M 2021 MODEL S PERFORMANCE AWD 60 73 57 70
5YJXCAE2&M 2021 MODEL X LONG RANGE AWD 59 66 56 64
5YJXCAE4&M 2021 MODEL X PERFORMANCE AWD 62 69 60 67
5YJXCBE2&M 2021 MODEL X LONG RANGE AWD 60 67 58 65
5YJXCBE4&M 2021 MODEL X PERFORMANCE AWD 63 70 61 68
5YJXCDE2&M 2021 MODEL X LONG RANGE AWD 58 65 55 62
5YJXCDE4&M 2021 MODEL X PERFORMANCE AWD 62 69 60 67
5YJYGAED&L 2020 MODEL Y 7-SEAT RWD N/A N/A 49 61
5YJYGAEE&L 2020 MODEL Y 7-SEAT LONG RANGE DUAL MOTOR N/A N/A 51 63
5YJYGAEF&L 2020 MODEL Y 7-SEAT PERFORMANCE DUAL MOTOR N/A N/A 57 67
5YJYGDED&L 2020 MODEL Y 5-SEAT RWD N/A N/A 49 61
5YJYGDEE&L 2020 MODEL Y 5-SEAT LONG RANGE DUAL MOTOR N/A N/A 49 61
5YJYGDEF&L 2020 MODEL Y 5-SEAT PERFORMANCE DUAL MOTOR N/A N/A 57 67
5YJYGAED&M 2021 MODEL Y 7-SEAT STANDARD PLUS /LONG RWD N/A N/A 49 61
5YJYGAEE&M 2021 MODEL Y 7-SEAT LONG RANGE DUAL MOTOR N/A N/A 51 63
5YJYGAEF&M 2021 MODEL Y 7-SEAT PERFORMANCE DUAL MOTOR N/A N/A 57 67
5YJYGDED&M 2021 MODEL Y 5-SEAT STANDARD PLUS /LONG RWD N/A N/A 49 61
5YJYGDEE&M 2021 MODEL Y 5-SEAT LONG RANGE DUAL MOTOR N/A N/A 49 61
5YJYGDEF&M 2021 MODEL Y 5-SEAT PERFORMANCE DUAL MOTOR N/A N/A 57 67
Exhibit 5
Page 1
Texas
Violation Surcharge
(1) (2) (3) (4)
Crestbrook Factor (Note 1) Selected Factor (Notes 2 and 3)

Additive 10+ Additive 10+
Violation Points Time Since Additive Factor Factor Additive Factor Factor
0 0 to 12 months 0.000 0.000 0.000 0.000
1 0 to 12 months N/A N/A 0.310 0.000
2 0 to 12 months N/A N/A 0.620 0.000
3 0 to 12 months N/A N/A 0.930 0.000
4 0 to 12 months N/A N/A 1.240 0.000
5 0 to 12 months 1.560 0.000 1.560 0.000
6 0 to 12 months N/A N/A 1.860 0.000
7 0 to 12 months N/A N/A 2.160 0.000
8 0 to 12 months N/A N/A 2.460 0.000
9 0 to 12 months N/A N/A 2.760 0.000
10+ 0 to 12 months 3.050 1.500 3.050 0.300
0 12 to 24 months N/A N/A 0.000 0.000
1 12 to 24 months N/A N/A 0.200 0.000
2 12 to 24 months N/A N/A 0.400 0.000
3 12 to 24 months N/A N/A 0.600 0.000
4 12 to 24 months N/A N/A 0.800 0.000
5 12 to 24 months 1.000 0.000 1.000 0.000
6 12 to 24 months N/A N/A 1.370 0.000
7 12 to 24 months N/A N/A 1.740 0.000
8 12 to 24 months N/A N/A 2.110 0.000
9 12 to 24 months N/A N/A 2.480 0.000
10+ 12 to 24 months 2.840 1.400 2.840 0.280
0 24 to 35 months N/A N/A 0.000 0.000
1 24 to 35 months N/A N/A 0.180 0.000
2 24 to 35 months N/A N/A 0.360 0.000
3 24 to 35 months N/A N/A 0.540 0.000
4 24 to 35 months N/A N/A 0.720 0.000
5 24 to 35 months 0.900 0.000 0.900 0.000
6 24 to 35 months N/A N/A 1.250 0.000
7 24 to 35 months N/A N/A 1.600 0.000
8 24 to 35 months N/A N/A 1.950 0.000
9 24 to 35 months N/A N/A 2.300 0.000
10+ 24 to 35 months 2.630 1.350 2.630 0.270
Any 36+ months 0.000 0.000 0.000 0.000
Notes:
2. Selected equal to linear interpolation of factors in Column (1) rounded to 2 decimal places.
3. Column (4) = Column (2) / 5
Revised
Private Passenger Automobile
Tesla Insurance Program
Actuarial Memorandum
Texas
Redpoint County Mutual Insurance Company (Redpoint) is proposing a new private passenger auto (PPA)
product in Texas with a proposed effective date of December 1, 2020. The Tesla program has already been
approved in the state of California through a different insurance carrier under California Department of
Insurance (CDI) filing 18-5922. Concurrent with this rate and rule filing, a forms filing is being submitted.
The program will be distributed through the digital InsurTech platform from Tesla Insurance Services of
Texas, Inc. (Tesla), formerly Samson General Agency, Inc. The purpose of the product is to use the
technology in vehicles to lower costs and improve the customer experience through automated
underwriting, rating, and claims, including direct data feeds with customer permission, that eliminate
frictional costs and inefficiencies inherent in traditional insurance processes. The digital approach to
purchasing insurance by the consumer will streamline and enhance user experience throughout the policy
lifecycle; beginning with the quote through online bind, renewal, and in the event of a claim. The use of
vehicle and consumer data, with the consumer’s affirmative consent, will allow for lower costs to acquire
and service the policyholder.
The proposed program will include the option for policyholders to participate in the Safety Tier program,
which uses Advanced Driver-Assistance Systems (ADAS) to provide safety discounts. Details about the
Safety Tier program are included in the confidential underwriting model filing memo. Through technology
driven insights, savings as a result of the safety features on the vehicle and how the vehicle is being driven,
are passed onto the customer.
Since this is a new program for which Tesla does not have any Texas PPA data on which to develop rates,
Tesla is basing its program on Crestbrook Insurance Company (Crestbrook) program, approved under state
tracking number S6410, effective October 31, 2014 for new business. The proposed rating algorithm is a
multiplicative algorithm, further detailed in the attached document called ‘Tesla_TX Rating Algorithm and
Rate Tables.xlsx’. The proposed rating algorithm and rates are identical to those in the Crestbrook program
approved in Texas with the exception of the enhancements described below. These enhancements are
proposed to enable a technologically advanced customer focused insurance product, while maintaining a
consistent program that better serves needs of policyholders across the country.
Enclosures
The following are included with this memo:
• Proposed Rule Manual
• An Excel workbook that has a tab illustrating the proposed rating algorithm and a tab for each
proposed rating table
• Exhibit 1 - Base Rate Offset
• Exhibit 2 – Expense Exhibit
• Exhibit 3 – Autonomous Vehicle Protection Package
• Exhibit 4 – Symbol Adjustment
• Exhibit 5 – Minor Violations
• State Exhibit A – Rate Filing Checklist
• State Exhibit E – Expense Information Including Disallowed Expense Adjustments
• State Exhibit L – Profit Provision Information
Page 1
Revised
Texas
Proposed Enhancements to the Crestbrook Approved Rate Plan

The proposed enhancements to the approved Crestbrook program include the following:
• Reduction to Fixed Expense Fee
• Separating out the Rental Reimbursement, Roadside Assistance, and Loan/Lease Gap Coverage
Costs from the Base Rates for Comprehensive and Collision
• Addition of Safety Tier Factor
• Removed Crestbrook Tiers Factor
• Added Rates for the New Proposed Autonomous Vehicle Protection Package
• Modified Symbols for Tesla Vehicles
• Added points assigned for Minor Violations and updated Rule Manual for Major and Minor Violation
definitions
• Removed Accident Forgiveness Charge and Agreed Value Surcharges
• Removed Student Away At School Discount
• Modified limits offered for BI, PD, UM/UIM BI, and UM/UIM PD Coverages
• Removed No Prior Insurance Surcharge Factors
• Modified Home and Car Discount and renamed it Companion Discount
• Combined Model Year Factors with New Car Discounts
• Removed New Car Replacement Factor
Exhibit 1 - Base Rate Offset

Exhibit 1, Page 1, summarizes the base rate offsets discussed below, and calculates the proposed base
rate, as well as the proposed fixed expense fee. The proposed base rates are based on the loss cost and
LAE in the approved Crestbrook filing, loaded with the expected expenses for the proposed Tesla program.
The proposed rate tables reflect the proposed base rates, and fixed expense fee, which are stated on a six
month policy term basis.
Crestbrook approved base rates are a table of base rates for each territory. Tesla is proposing to select the
base rate for the most populous territory and apply territory factors. The proposed Tesla territory factors
were calculated as the ratio of the territory base rate to the base territory base rate.
Page 1 starts with the approved Crestbrook filing base rates for the territory selected as the base territory
and makes adjustments as follows:
• Divide the approved Crestbrook base rates in half to arrive at a 6 month base rate.
• Offset the base rate to remove the Crestbrook tier rating step (supported on Page 2).
• Offset to the base rate to account for adding the proposed Tesla Safety Tier (Page 3).
• Consideration of Crestbrook residual rate indication from its most recently approved filing, so that
Crestbrook’s indicated loss and LAE costs are used to derive rates, rather than rate level.
• Offset to account for difference in expected variable expenses for Tesla compared to Crestbrook.
• Offset to remove rental reimbursement, roadside assistance, and loan/lease GAP coverage from
the base to a separate charge.
Page 2
Revised
Texas
• Offset to account for lower expected Tesla fixed expense.

For transparency and ease, the premium for the below coverages included in Crestbrook’s base policy have
been split out and accounted for separately, consistent with the Tesla program countrywide coverage
design. These coverages include:
• Rental reimbursement
• Roadside assistance
• Loan/lease gap coverage
Page 1 calculates the base rate offset required to move these coverages from the base policy rating
algorithm to a subsequent step in the rating algorithm. The indicated rate for rental reimbursement is
calculated on Page 4 and discussed below. The proposed rate for roadside assistance and loan/lease gap
coverage are based on Tesla’s expected costs for the program as detailed in the footnotes to Page 1. The
proposed rates for these miscellaneous coverages are shown in the proposed rate tables.
There are other differences between the Crestbrook basic policy form and the proposed Tesla basic policy
form that have an immaterial impact on rates. Specifically, the Tesla form has a broader exclusion with
respect to biological deterioration or damage and nuclear hazard, by also excluding anything pathogenic,
and by extending the exclusion to Medical Payments. The frequency of these claims is expected to be less
than a 10th of a percent, resulting in a less than a cent offset reduction to Crestbrook base rates. Although
the reduction in coverage has been explicitly considered, when rounded to the nearest cent, it does not
impact the proposed base rate, so has not been listed on Page 1.
Page 2 determines the adjustment required to remove Crestbrook’s Tier rating step.
Page 3a calculates the adjustment required to add the proposed Safety Tier factor tables for connected
vehicles that qualify for and opt-into the Safety Tier program. The base rate offset required to incorporate
the average Safety Tier factor is from Page 3b, which is described below. Since the proposed program is
proposing to change the base risk to be those vehicles opting into the Safety Tier program, the base rate
requires adjustment. The base rate needs to account for the average Safety Tier factor that will be applied
which comes from Page 3b. This ensures that for connected vehicles opting into the Safety Tier program,
that on average, they will receive the same rate level that they would have received had they not qualified
for the Safety Tier program. Page 3a also calculates the Safety Tier factor required to be applied to vehicles
not qualifying for the Safety Tier program to back out these base rate adjustments, so that they also receive
the same rate level prior to the creation of the Safety Tier program.
Milliman, Inc. (Milliman) worked with Tesla to develop Safety Tier scores using ADAS safety features on
Tesla vehicles and the expected relativity of frequency of at-fault collisions between Safety Tiers. A model
was created that identified vehicles most likely to least likely to have a collision, based on triggers from the
vehicle safety features such as the number of times the vehicle’s lane departure warning signal was
initiated, the distance that the vehicle generally has between itself and the vehicle in front of it, and other
safety features installed on the vehicle. This model was tested on Tesla vehicles driving from July 2019
through December 2019 that was not used in the model creation (hold out sample), using the at-fault
collisions in the 6 months subsequent to the exposure period. Each vehicle in the hold out sample was
scored and sorted into 5 equal buckets. For each of the 5 buckets, the at-fault collision rate relative to the
total was calculated, determining an indicated factor.
Page 3b, illustrates the indicated factors for the 5 buckets. Since 10 Safety Tiers are being proposed, the
indicated factor between each of the 5 buckets was calculated using interpolation, to create indicated
factors for Safety Tier 10 to 2. The indicated at-fault collision relative rate for buckets 1 and 2 were
extrapolated to determine the indicated factor for the last proposed Tier 1.
Page 3
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Texas
Next, the indicated factors for each of the 10 tiers was credibility weighted, to determine the indicated tier
factor after credibility weighting. Tiers with at-fault collision rates better than the reviewed population
average received 100% credibility to reward and incent policyholders with the full indicated discount for
safe driving. Tiers with at-fault collision rates worse than the reviewed population average received 50%
credibility to limit the rate increase that they would receive to approximately 25% as they moved to the next
worse Safety Tier. Finally, the credibility weighted indicated factors were rebased to the highest tier factor,
so that the Safety Tier program is a discount off the proposed base rate.
This actuarial memorandum describes how the proposed Safety Tier factors were developed with high level
information about how the underwriting Safety Tiers are defined. Further details about how Milliman worked
with Tesla to develop the Safety Tier scoring model, proposed underwriting tiers, model validation, and
other Actuarial Standards of Practice (ASOP) 56 – Modeling disclosures can be found in the confidential
trade secret protected model memorandum. The confidential model memorandum is provided in states that
require underwriting rules and support to be filed.
Page 3a uses the proposed Safety Tier factors and the assumed distribution by Safety Tier from Page 3b,
to calculate the base rate increase required to result in the same overall rate level on average once the
Safety Tier factors are applied to all vehicles that opt-into the program.
For unconnected vehicles that cannot qualify for the Safety Tier program, the proposal is to result in the
same rate level that would have applied under the approved Crestbrook program without the proposed
Safety Tier changes.
Page 4a develops the proposed rental reimbursement rates at optional increased limits, as well as the
offset to the comprehensive base rate to split the base rental reimbursement coverage premium out from
the comprehensive base rate. Page 4b develops the base rental reimbursement in-network coverage
premium, based on expected cost per day as well as the frequency from Page 4c.
Page 5 calculates the amount of roadside coverage in Crestbrook base comprehensive rate that needs to
be removed, prior to adding a proposed flat fee.
Page 6 calculates the residual indication from Crestbrook’s most recently approved rate filing, so that the
indicated loss & LAE data in the Crestbrook filing can be considered.
Exhibit 2 - Reduction to Fixed Expense Fee

Exhibit 2, Page 1 summarizes the proposed variable expense loads in the base rates, as well as the
proposed fixed expense fee. Tesla is expecting similar variable expenses as the approved Crestbrook
program. Tesla is proposing to reduce the approved Crestbrook fixed expense fee for each of the major
coverages to reflect the expected Tesla program fixed expense costs, as illustrated on Page 2. Pages 3-7
provide the support for the selected profit and contingency loads. The proposed fixed fee is reflected in the
proposed rate tables.
Exhibit 3 – Autonomous Vehicle Protection Package
Exhibit 3 develops the proposed rate for the autonomous vehicle protection package, which covers:
• Wall charger
• Key replacement
• Autonomous Vehicle Owner Liability
• Cyber Risk
Page 1 summarizes the indicated premium for each of the above components, and the selected premium
for the autonomous vehicle protection package. Page 2 calculates the indicated premium for the wall
Page 4
Revised
Texas
charger. Page 3 calculates the indicated premium for the key replacement, which references Page 4
frequency of replacement. The footnotes to the exhibit detail the calculations and assumptions.
Exhibit 4 – Symbol Adjustment
Tesla is proposing to lower the ISO Symbols assigned to Tesla vehicles due to lower expected repair costs.
Exhibit 4, Page 1 shows the selected adjustment factors for SUV and non-SUV models. The adjustment
factor is applied to the comprehensive and collision symbol rating factors and adjusted symbols are selected
based on the adjusted symbol rating factors. Page 2 shows the proposed Comprehensive and Collision
symbol for adjusted make and models. Tesla will be using ISO Symbols for all other make and models that
are not listed on Page 2.
Exhibit 5 – Violation Surcharge
Tesla is proposing to assign a point value of one for minor violations. Crestbrook’s approved Violation
Surcharge Factors only include point values for multiples of five. Exhibit 5, Page 1 interpolates the individual
point surcharges from Crestbrook’s approved factors.
Removed Accident Forgiveness Charge and Agreed Value Surcharges
Tesla is proposing to simplify the product offering by not offering an accident forgiveness and agreed value
options. Therefore, the accident forgiveness and agreed value surcharges have been removed from the
Removed Student Away At School Discount
Tesla is proposing to remove the student away class. The program is not expected to have a material
number of student away drivers and the impact of removing this factors is immaterial, not requiring an offset
to the base rate.
Modified Limits offered for BI, PD, UM/UIM BI, and UM/UIM PD Coverages
Some of Crestbrook’s approved limits were not consistent across coverages. Although this provides
flexibility for different coverage options to the policyholder, in an effort to streamline and facilitate the buying
process, Tesla proposes to remove some limit options. The proposed rate tables include the proposed
limits, along with the proposed factors which come from the approved Crestbrook program.
Removed No Prior Insurance Surcharge Factors
Tesla is proposing to remove the prior lapse rating step entirely which has been reflected in the proposed
rate tables.
Modified Home and Car Discount and Renamed it Companion Discount

Since Tesla is a monoline private passenger insurance company and does not offer any homeowners
product at this time, Tesla proposes to modify Crestbrook Home and Car discount to be applicable to PPA
policies when the insured has home insurance through a companion insurance company that Tesla partners
with. The proposed discount is 50% of the approved Crestbrook discount and is in line with similar approved
partner companion auto discounts.
Page 5
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Texas
Combined Model Year Factors with New Car Discounts

Tesla is proposing to combine the Model Year Factors with the New Car Discounts to simplify the rating
process. The tables are combined by multiplying the latest model year factor with ‘vehicle age = 0’ factor,
second latest model year factor with ‘vehicle age = 1’ factor, etc. This change will not impact rate level, so
no adjustment to base rate was needed.
Removed New Car Replacement Factor

Tesla is proposing to remove the New Car Replacement option. This revision has been reflected in the
rate tables.
Page 6
PRIVATE PASSENGER AUTO
RULES
TEXAS
Tesla Insurance Services
InsurTech Solution
Personal Auto Program Rules
Table of Contents
Applicability of Manual Rules ..................................................................................................................... 2
Binding Instructions .................................................................................................................................... 2
Policy Program ............................................................................................................................................. 2
Tesla Personal Auto Program Policy ........................................................................................................................... 2
Canadian Liability Card Requirements ........................................................................................................................ 2
Mexico Coverage ........................................................................................................................................................ 3
Financial Responsibility Filings.................................................................................................................................... 3
Policy Period ............................................................................................................................................................... 3
Policy Changes ........................................................................................................................................................... 3
Policy Cancellations .................................................................................................................................................... 3
Minimum Policy Premium ............................................................................................................................................ 3
Motor Vehicle Crime Prevention Authority Pass-Through Fee .................................................................................... 3
Combined Single Liability Limit .................................................................................................................................... 4
Premium Determination............................................................................................................................... 5
Classification ................................................................................................................................................ 5
Territory ....................................................................................................................................................................... 5
Vehicle Age ................................................................................................................................................................. 5
Vehicle Use Classifications ......................................................................................................................................... 6
Driver Class ................................................................................................................................................................. 6
Driving Record Points .................................................................................................................................................. 7
Accident Free Discount ............................................................................................................................................. 10
Unverifiable Driver Record Surcharge ....................................................................................................................... 10
Financial Responsibility Rate Factor ......................................................................................................................... 10
Household Composition ............................................................................................................................................ 11
Vehicle Symbol Assignment ..................................................................................................................... 11
Physical Damage Symbols ........................................................................................................................................ 11
Miscellaneous Coverages and Endorsements........................................................................................ 11
Personal Injury Protection (PIP) Coverage ................................................................................................................ 12
Uninsured Motorists Coverage .................................................................................................................................. 12
Auto Loan/Lease Gap Coverage ............................................................................................................................... 12
Roadside Assistance Coverage ................................................................................................................................ 13
Rental Reimbursement Coverage ............................................................................................................................. 13
Autonomous Vehicle Protection Package.................................................................................................................. 13
Texas Named Driver Exclusion Acknowledgement ................................................................................................... 13
Texas Uninsured Motorists Coverage Selection/Rejections ...................................................................................... 13
Other Discounts ......................................................................................................................................... 13
Group Rate ................................................................................................................................................................ 13
Companion Discount ................................................................................................................................................. 14
Vehicle Safety Discounts ........................................................................................................................................... 14
Passive Restraint Discount........................................................................................................................................ 14
Safety Tier program ................................................................................................................................................... 14
Matrix Factor ............................................................................................................................................................. 14
Payment Options ........................................................................................................................................ 14
Underwritten by: 1 Texas

Redpoint County Mutual Insurance Company Edition 2020-08
InsurTech Solution
Applicability of Manual Rules
1. This manual provides rules for the Tesla Personal Auto Program.
2. A motor vehicle that is a pickup, panel truck, or van shall also be considered a private passenger auto if it meets
the eligibility requirements under Policy Program Rule.
Binding Instructions
Agents have authority to bind coverages in accordance with eligibility guidelines and rules. It is not possible to provide
an all-inclusive list of risks or exposures on which coverage should not be bound. Detailed rules and guidelines
contained in this manual must be followed when binding coverage. Contact your underwriter before binding coverage
on any unusual, questionable or high hazard risk.
A completed application with the correct premium must be received by us within 15 days of the effective date and the
coverage bound date of the application to ensure that coverage stays in force. No back dating of coverage is allowed.
Binding authority may be restricted in the event of natural disasters including but not limited to flood, earthquake,
wildfires, etc.
Policy Program
Tesla Personal Auto Program Policy
This policy affords Personal Auto Policy coverage, with minor modifications, for the following:
1. Motor Vehicles owned by:

a) An individual, or
b) A husband and wife or Registered Domestic Partners who are residents of the same household.
2. Motor Vehicles owned jointly by a parent and child residing in the same household provided that both individuals
must be shown as named insureds. Coverage is clarified by special policy wording.
3. Autos owned by or titled to corporations subject to these provisions:

a) The corporation must be solely owned by an individual, by a husband and wife, or Registered Domestic
Partner.
b) Such individual, husband and wife, or Registered Domestic Partner must be shown as named insureds.
NOTE: Coverage is clarified by special policy wording.
4. “Owned" as used in this Section includes an auto leased under contract for a continuous period of at least six
months. The lessor must be named on a Legal Responsibility Endorsement and also be shown as a lienholder, if
applicable.
Canadian Liability Card Requirements
1. The Personal Auto Policy provides insurance against claims arising out of accidents which occur anywhere within
the United States of America, its territories or possessions, or Canada. It insures also when the automobile is
being transported between ports thereof.
2. Most Canadian provinces require evidence of financial responsibility from a non-resident following an accident.
Because of possible complications following an accident, it is suggested that all insureds entering Canada request
a “Canada Non-Resident Inter-Province Motor Vehicle Liability Insurance Card”. The company has been
registered with the proper authorities so that these cards will be recognized.
3. In the event an insured’s policy limits do not meet the required liability limits for a particular province, we will
interpret the policy as having the required limits without a premium charge, during his/her visit to Canada.

InsurTech Solution
Mexico Coverage
The Personal Auto Policy (Form TES 0001TX) affords Limited Mexican Coverage. An auto accident in Mexico is a
criminal offense as well as a civil matter. Unless an insured has auto liability insurance with a Mexican Insurance
Company, the auto may be impounded and the driver detained or imprisoned. Insurance coverage should also be
secured from a company licensed under the laws of Mexico to write such insurance in order to avoid complications.
Financial Responsibility Filings
1. Subject to statutory regulations, filings certify financial responsibility for individuals required to show proof of
financial responsibility. Such certification will be made promptly.
2. When canceling policies with financial responsibility certification, notice to the appropriate authority is required in
accordance with the financial responsibility law and regulations of the state.
A $25.00 SR-22 fee will be imposed per filing per policy term.
Policy Period
1. Personal Auto Policies may be written for policy periods of 6 months or less. The rates considered part of this
manual are for a 6 month policy term. Final premium before autonomous vehicle will require pro-rata adjustment
if policies are written for a shorter period.
2. For policies issued with an effective date of the 29th, 30th or 31st of any month, the first policy period will be
extended from the effective date to the first day of the calendar month following the usual expiration of the policy.
Policy Changes
1. All changes under the Personal Auto Policy requiring premium adjustments shall be computed pro rata and on the
basis of the rates in effect on the policy effective date.
2. Suspension of coverage is not permitted. Instead, coverage may be added or deleted if desired and permitted.
Policy Cancellations
1. All cancellations under the Personal Auto Policy shall be computed on a pro rata basis.
2. Flat cancellation will be offered if the request for cancellation is received on or before the effective date or there
is adequate evidence of replacement coverage with another insurance company.
Minimum Policy Premium
The minimum premium for a six-month policy is $100, which cannot be reduced except in the event of a pro rata
cancellation or short-term policy.
Motor Vehicle Crime Prevention Authority Pass-Through Fee
Texas Civil Statutes, Article 4413 (37) 10 requires each insurer to pay a fee of $4.00 per motor vehicle year to the
Motor Vehicle Crime Prevention Authority. This fee is assessed to the policyholder. This fee is fully earned if the policy
cancels.

InsurTech Solution
Combined Single Liability Limit
Coverage is subject to all terms and conditions of the policy, except as changed by this endorsement. Under Auto
Liability, Limits and Conditions of Payments, the Amounts Payable for Liability Loss section is replaced by the following:
Our obligation to pay Property Damage or Bodily Injury Liability losses is limited to:
1. The limit of liability shown in the Declarations for Auto Liability Coverage is our maximum limit of liability for all
damages resulting from any one auto accident. This is the most we will pay regardless of the number of:
a. Insureds;
b. Claims made;
c. Vehicles or premiums shown in the Declarations; or
d. Vehicles involved in the auto accident. A vehicle and attached Trailer are considered one vehicle.
Therefore, the Limit of Liability will not be increased for an accident involving a vehicle which has an
attached Trailer.
We will apply the limit of liability to provide any separate limits required by law for Bodily Injury and Property Damage
Liability. However, this Provision will not change our total limit of liability.

InsurTech Solution
Premium Determination
Please refer to the rating algorithm in the attached rate tables.
Average Driver Class Factor
For each driver assigned to the policy, up to a maximum of 10 drivers per policy, determine the applicable Driver
Factor for each coverage.
The following factors are considered when calculating Driver Factor:

 Gender
 Age
 Marital Status
 Operator Status
 Good Student Status
 Driving Record
 Financial Responsibility
Refer to rate manual for detailed calculation steps. Add the applicable Driver Factors for all drivers and divide this
sum by the number of drivers to determine the average driver factor.
Operator status assignment process:
1. If the number of drivers is equal to or less than the number of vehicles insured on the policy, then all drivers
are “Primary” drivers.
2. If there are more drivers than vehicles on the policy:
a. List all drivers in descending order by age.
b. Assign “Primary” status to the first n drivers, where n is the number of vehicles insured on the
policy.
c. For the remaining drivers, assign “occasional” to drivers who:
i. Are not the title owner, AND
ii. Are under age 25, AND
iii. Are not married
d. All remaining drivers who do not qualify for “occasional” status are assigned “primary”.
Classification
The premium for each vehicle is calculated using the average driver class factor computed above. The factors for each
rating step in the rating algorithm are determined as follows:
Territory
The Territory Definition table in the rate manual contains definition and territory code for each territory.
Territory is determined by:

1. Principal garaging address of automobile, OR
2. Residence of Policyholder if automobile is not garaged any specific place, OR
3. Business or mailing address if Policyholder’s residence cannot be determined.
4. If a territory is zip code rated, and a zip code splits or new zip codes are introduced, apply the territory in which
the prior zip code falls.
Vehicle Age

InsurTech Solution
1. The model year of the auto is the year assigned by the auto manufacturer. Manufacturers change model years
effective October 1 of each calendar year. For example, a Tesla built October 1, 2019 through September 30,
2020 is a 2020 vehicle, with a birth date of October 1, 2019, and a Tesla built October 1, 2020 through the next 12
months is considered a 2021 vehicle, with a birth date of October 1, 2020.
2. For rebuilt or structurally altered autos, the model year of the chassis determines the model year for rating.
3. The vehicle age is calculated as the policy effective date – vehicle birth date as defined in rule 1.
Vehicle Use Classifications
Vehicles enrolled in Safety Tier program will receive 1.000 factor for Vehicle Use regardless of its classification. If
vehicle is not enrolled in the Safety Tier program, then theThe following definitions are used in classifying vehicle use.
1. BUSINESS USE means: The use of the auto is required by, or customarily involved in, the duties of the person
operating the auto in his/her occupation, profession or business (i.e. realtors driving to different household
locations for business, members of the clergy, any vehicle registered to a business and not an individual). Driving
to and from the principal place of employment in itself is not Business Use.
2. FARM USE means:

a) The auto is not customarily used in going to or from work or school off the farm; and
b) It is principally garaged on a farm; and
c) Farming or ranching is the primary occupation of the person customarily operating the auto.
3. PLEASURE/WORK USE – PRIMARY means:

a) No business use; and
b) No farm use.
4. PLEASURE/WORK USE – EXCESS means:

b) No farm use; and
c) There are more vehicles than drivers on the policy.
Exceptions:
1. If used in the business of the U.S. Government, by an employee thereof, the automobile may be
classified and rated as “Pleasure Use” or “Work Use.”
2. An automobile owned by a member of the clergy is not considered as used for business.
Driver Class
The driver class factor used to determine the average driver class factor, is determined based upon the following:
1. Gender
2. Age
Age of the driver on the effective date of the policy term.
3. Marital Status of the Driver
Married means legally married under the laws of Texas. This includes a Domestic Partner. It also includes a person
widowed, divorced or legally separated if such person has custody of one or more resident children.
4. Operator Status
An Operator Status” of “occasional” will be assigned to a driver if the following criteria are met:
a. The driver is not the titled owner, AND
b. The driver is under age 25, AND
c. The driver is not married, AND

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d. There are more drivers than vehicles on the policy, AND

e. There are at least as many primary operators on the policy as there are vehicles.
If there are multiple drivers eligible for the occasional status, the youngest driver shall be the first driver
classified as occasional followed by the second youngest, etc.
An “Operator Status” of “principal” will be assigned in all other cases.
5. Good Student
A rated driver is classified as a good student if:
a. The owner or operator is age 15 to 24 and a full-time high school student or enrolled as a full-time student in
a college or university, AND
b. The student for the immediately preceding school semester or quarter (or comparable period) to the policy
term effective date:
 Ranked among the upper 20 percent of the class scholastically; OR
 In schools using letter grades, had a grade average of “B” or its equivalent, or, if the system of letter
grading cannot be averaged, no grade is below “B”; OR
 In schools using numerical grade points, such as 4, 3, 2, and 1 points, the student had a grade average
of at least three points on a four point scale (or its equivalent); OR
 Was included in the “Dean’s List”, “Honor Roll”, or comparable list indicating scholastic achievement.
The “Good Student” classification will continue to be applicable for those operators who have completed
their undergraduate work provided that the operator has:
o Graduated from a four year college, AND
o Met the qualification requirements as shown above under b above or the owner or operator is under
25 years old and a full-time graduate student in a college or university
c. The “Good Student” classification will continue to be applicable for those operators who have completed their
undergraduate work provided that the operator has:
(1) Graduated from a four year college, AND
(2) Met the qualification requirements as shown above under (b.) based on their cumulative or last
semester’s or quarter’s scholastic record, AND
(3) Been insured with Tesla for at least one year prior to policy renewal date following graduation.
d. If the owner or operator is under 25 years old and a full-time graduate student in a college or university,
the “Good Student” classification is applicable without the requirement for certification under (b).
Note: Students enrolled in a home study program must satisfy the scholastic requirements ranking in the
upper 20% of one of the following national standardized tests, administered within the past twelve months:
o PSAT (Preliminary Scholastic Aptitude Test)
o PLAN (Preliminary American College Test)
o SAT-I (Scholastic Aptitude Test - I)
o SAT-II (Scholastic Aptitude Test – II)
o ACT (American College Test)
o Iowa Test of Basic Skills
o California Achievement Test
o Stanford Achievement Test, Tenth Edition
o Peabody Individual Achievement Test
The Good Student classification may be added to a policy mid-term once an individual qualifies. If an individual no
longer qualifies for the Good Student classification it will be removed at the upcoming renewal.
Driving Record Points
Experience Period

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1. The experience period used to determine points for violations and accidents will be the 36 months immediately
preceding the effective date of the policy term. Formatted: Font color: Auto
2. If a violation or accident occurs for which a point is required under this rule during the period between preparation Formatted: Font color: Auto
of the renewal and the renewal effective date, the violation or accident surcharge will be postponed until the Formatted: Font color: Auto
following renewal.
Formatted: Font color: Auto
Application of Surcharges
Surcharges, as determined below, are always associated with the driver involved in the violation and/or accident.
For the purpose of rating, the following rules govern the application of the drivers’ experience.
Minor Violations Formatted: Font color: Auto
All violations not considered major violations are considered minor violations and are not used for rating. Formatted: Font color: Auto
Formatted: Font color: Auto, Not Expanded by /
Major Violations
Condensed by
1. The following violations are considered major violations:
a. Driving or accompanying a driver with a learner’s permit while intoxicated or under the influence of
alcohol or drugs, ORincluding zero tolerance for a person under the age of 21 and Formatted: Font color: Auto, Not Expanded by /
Alcohol/Chemical/Substance offenses less than DWI Condensed by
b. HomicideFailure to submit to a chemical test Formatted: Font color: Auto
c. Failure to stop and report when involved in an accident Formatted: Font color: Auto, Not Expanded by /
d. Falsification of an accident report Condensed by
b.e. Vehicular homicide, negligent homicide, manslaughter (whether or not “involuntary”), or assault Formatted: Font color: Auto
arising out of the operation of a motor vehicle; OR
c. Failure to submit to a chemical test, OR Condensed by
d.f. Driving without a valid license, registration, or while license is suspended or revoked. Formatted: Font color: Auto
g. Permitting unlicensed person to operate a motor vehicle Formatted: Font color: Auto, Not Expanded by /
h. Permitting the operation of an uninsured motor vehicle Condensed by
i. Committing a felony with a motor vehicle Formatted: Font color: Auto

j. Involved in racing or highway speed contest Formatted: Font color: Auto, Not Expanded by /
k. Fleeing or attempting to elude a police officer with an auto or failure to stop and comply when Condensed by
signaled by a police officer, firefighter, or other authorized person Formatted: Font color: Auto
l. Driving without lights to avoid identification or arrest Formatted: Font color: Auto, Not Expanded by /
m. Negligent or reckless operation of a motor vehicle Condensed by
n. Misrepresenting, loaning, or falsification of a driver’s license, license plate, or registration Formatted: Font color: Auto
o. Operating a motor vehicle without owner’s permission Formatted: Font color: Auto, Not Expanded by /
p. Illegal transportation of hazardous materials or explosives Condensed by
q. Illegal transportation of liquor or narcotics for sale Formatted: Font color: Auto
r. Any misdemeanor involving use of a motor vehicle Formatted: Font color: Auto, Not Expanded by /
Condensed by
s. Failing to yield right of way to an authorized emergency vehicle
t. Failing to stop for a school bus with flashing red lights
u. Making a false affidavit or statement under oath, or falsely certifying to the truth of any fact or Formatted ... [1]
information to the Department under any law relating to ownership or operation of motor vehicles Formatted: Font color: Auto
v. Other serious violations Formatted ... [2]
2. If a major violation also results in an accident, then only the major violation will be surcharged.
Accidents Formatted: Font color: Auto

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1. The accident surcharge is based on the number of chargeable accidents during the experience period.
2. Chargeable Accident Definition.
An accident is chargeable if the insured driver was involved in an accident that resulted in damage to any
property or collision or in bodily injury or death (excluding UM/UIMBI, UM/UIMPD).
EXCEPTIONS:
Accidents will not be counted if it can be demonstrated that the Insured was:
a. Lawfully parked, OR
b. Fully reimbursed by, or on behalf of, a person responsible for the accident or has judgment against such
person, OR
c. Hit by a “hit-and-run” driver if the accident is reported to the proper authorities within 24 hours, OR
d. Not convicted of a moving traffic violation in connection with the accident but the operator of the other
automobile involved in such accident was convicted of a moving conviction, OR
e. Involved in an accident resulting in damage by contact with animals or fowl, OR
f. Involved in an accident resulting in physical damage, limited to and caused by flying gravel, missiles, or
falling objects, OR
g. Involved in an accident while in the pursuit of official duties as a law enforcement officer, fire fighter, or
operator of an emergency vehicle or ambulance, OR
h. Involved in an accident in which the responsible party was protected by sovereign immunity, OR
i. Involved unlisted operators who are named insured or drivers under a separate policy with our company.
The point will follow the driver over to the other policy, OR
j. Involved unlisted operators who are neither residents of the Insured’s household nor regular operators of
his or her auto, OR
k. Struck in the rear by another vehicle, and the insured has not been convicted of a moving traffic violation
in connection with the accident.
Payments under the COLL coverage will not be chargeable if there are valid grounds for subrogation.
Major and Minor Violation Surcharge

The number of moving violations in the experience period determines the number of points assigned to a driver
and the appropriate surcharge for that driver. Occurrences resulting in both an accident and a violation shall be
counted as follows:
1. If an occurrence results in both a chargeable accident and a minor violation, only chargeable accident is
surcharged. If a minor violation and an accident result from the same incident and the accident does not
meet the chargeable accident definition, then incident treated as a minor violation and not surcharged.. If
the accident subsequently meets the chargeable accident definition, accident surcharge applied for the
remainder of the accident’s 36-month experience period.
2. If an occurrence results in both a chargeable accident and a major violation, then only the major violation
is surcharged.
Major violationViolation surcharges decrease as the time since the latest violation increases. The “time since
the latest violation” is defined to be the number of months between the date of the most recent chargeable
major violation and the effective date of the policy for new business or the annual due date of the policy for
renewals. Each minor violation is worth 1 point, and each major violation is worth 5 points.
Speed 1-10 MPH Over Speed Limit

1. New Business: 1-10 speeds are surcharged. As the policy renews, we will continue to charge for these
same violations until they are outside the experience period.
2. Renewal Business: First 1-10 speed is waived. Subsequent 1-10 speeds will be surcharged until they are
outside the experience period.

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Accident Surcharge Formatted: Right: 0.29", Space Before: 6 pt, After: 0

The number of chargeable accidents in the experience period will determine the appropriate surcharge for a
pt, No widow/orphan control, Don't keep with next,
driver. Accidents forgiven under the purchased Accident Forgiveness feature are exempt from this rule.
Tab stops: 0.62", Left + Not at 0.37"
1. If an occurrence results in both a chargeable accident and a minor violation, then only the chargeable
accident is surcharged. If a minor violation and an accident result from the same incident and the accident Formatted: Keep lines together
does not meet the chargeable accident definition, then the incident will be treated as a minor violation and
not surcharged.. If the accident subsequently meets the chargeable accident definition, the accident
surcharge shall be applied for the remainder of the accident’s 36-month experience period
is surcharged.
Accident surcharges decrease as the time since the latest chargeable accident increases. The “time since the
latest chargeable accident” is defined to be the number of months between the chargeability date of the most
recent chargeable accident assigned to a vehicle and the effective date of the policy for new business or the
annual due date of the policy for renewals.
Change of Usual Drivers

1. Deletion of Driver.
Once an insured driver is deleted from a policy, the driver and accident and violation experience of that
driver is eliminated. The average driver class factor is recalculated, effective the date the driver is deleted,
based on the remaining drivers.
2. Addition of Driver.
Once a driver is added to the policy, the driver along with their driving record experience will be used in
the calculation of the average driver class factor, effective the date the driver is added.
Added drivers are treated as new business for the purposes of driver class factor determination.
Changes in Driving Experience

Changes in driving experience will be made at the next renewal date. No changes are made for the purpose of
shortening the surcharge period otherwise applicable under the plan.
Accident Free Discount

The applicable driver rate factor will be reduced for drivers that meet ALL of the following requirements:
1. Driver is at least 21 years of age, AND
2. Driver is NOT receiving the “Unverifiable Driver Surcharge” AND
3. Driver is free from major violations* for the most recent five years, AND
4. Driver is free of chargeable accidents* for the most recent five years.
* Major violations and chargeable accidents are defined in the Driving Record Points section. For new business, the
experience period is defined as the five years ending on the effective date of the policy. For renewals, the experience
period is defined as the five years ending 45 days prior to each annual renewal effective date.
Unverifiable Driver Record Surcharge

If the licensed operator age 19 or older is unable to provide a verifiable driver license number for which a current
Motor Vehicle Report (MVR) can be obtained, the applicable driver rate factor shall be increased.
Financial Responsibility Rate Factor

Based on the Choicepoint Attract One 3.0 Model, the scoring rules listed below are applicable. Based on the Financial
Responsibility Class corresponding to the resulting credit score and the length of time the policy has been in force
with Tesla, multiply each driver’s rate factor by the appropriate Financial Responsibility rate factor.
New Business Scoring:

The following rules (in order of precedence) are applicable:

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1. Credit reports shall be obtained for the first (Individual policies) or first and second (Joint policies) named
insureds.
2. The lowest financial responsibility class shall be assigned to all drivers on the policy.
3. On policies where all drivers are credit “no-hits”, the no-hit financial responsibility class shall be
assigned to all drivers on the policy.
Renewal Scoring:
Policyholders or agents may request (no more than once in any twelve-month period), that we obtain updated
credit reports, and Tesla will reunderwrite and rerate a policyholder on the basis of the updated credit report.
1. On a policy where at least one driver on the updated credit report has a credit based insurance score,
the financial responsibility factor assigned to the driver with the best credit based insurance score shall
be assigned to all drivers on the policy, if the change results in a lower financial responsibility factor
level.
2. On policies where all drivers on the updated credit report are credit “no-hits,” the no hit financial
responsibility factor shall be assigned to all drivers on the policy, if the change results in a lower or equal
financial responsibility factor level for all applicable coverages.
3. On policies where the updated credit report results in the same or higher financial responsibility factor
level, the policy shall retain the current financial responsibility factor level.
Spin-offs, Transfers, and New Policies for Existing Customers:

Anytime a new policy must be set up for an existing customer of Tesla, a new financial responsibility class must
be established using the rules outlined in the New Business Scoring portion of the Financial Responsibility Rate
Factor section of this rating manual.
Added/Deleted Drivers:
Credit will only be ordered on added drivers if the policyholder requests the reorder. The renewal scoring rules will
apply. Formatted: Font color: Auto
Household Composition
Based on a combination of the number of household drivers and household vehicles, the otherwise applicable premium
shall be revised.
1. Vehicles within the household insured by the Tesla program for both BI and PD (or CSL) will be considered in the
“Number of Vehicles” count. A vehicle owned by a corporation or unincorporated association may be considered
“individually owned” for purposes of this rule if the vehicle is customarily driven only by individuals within the
household and the vehicle is also insured on a personal auto policy issued by the Tesla program.
2. Licensed household drivers, that are listed as drivers to be used in rating on this Tesla program policy and who
otherwise meet the definition of members of the household, will be considered in the “Number of Drivers” count.
Individual operators listed on multiple Tesla program policies are only to be counted once.
3. A distinct factor will be selected for each coverage to which the Single Car/Multi-Car factor applies, based upon the
number of household vehicles and household drivers as defined in the previous two rules.
Vehicle Symbol Assignment
Physical Damage Symbols
For each vehicle, look up VIN on Rating Symbols table. For newly introduced vehicles use rate symbol for most
recent model year shown for same make and model. For new introduced makes and models without a rate symbol in
prior years, use the closest make model.
Miscellaneous Coverages and Endorsements

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Personal Injury Protection (PIP) Coverage

Personal Injury Protection benefits are provided by any liability policy issued that covers a private passenger motor
vehicle.
1. Personal Injury Protection coverage must be provided when BI Liability coverage is written for the owner of an
auto principally garaged in Texas, unless specifically rejected in writing by the Named Insured.
2. Once rejected, Personal Injury Protection is not required under subsequent renewals issued by the same company
or affiliated Insurer, unless requested by the Named Insured in writing.
3. Medical Payments coverage is not available if Personal Injury Protection coverage is selected.
Uninsured Motorists Coverage
1. Bodily Injury Uninsured Motorists coverage (includes Bodily Injury Underinsured Motorists coverage)
 This form of auto insurance shall be offered at limits equal to the bodily injury liability limits under every auto
liability policy issued or delivered to the owner of a motor vehicle principally garaged in Texas.
 If this form of insurance is purchased it must apply to all vehicles on the policy.
 The named insured may, by agreement in writing, reject such coverage or select lower limits, but may not
select limits less than the basic limits.
 Rejecting this coverage is binding with respect to:
o Any continuation or renewal of the policy.
o Any other policy which extends, changes, supersedes or replaces the policy issued by the same insurer.
o Reinstatement of the policy within 30 days of any lapse.
 Uninsured Motorists coverage limits must be the same for all autos on the policy.
 When Bodily Injury Uninsured Motorists coverage is afforded.
2. Property Damage Uninsured Motorists coverage
 Property Damage Uninsured Motorists coverage shall be offered under every Tesla policy with auto liability
coverage issued or delivered to the owner of a motor vehicle principally used or principally garaged in the
State of Texas to which:
o Bodily Injury Uninsured Motorists coverage is afforded; and
o Collision coverage is not afforded.
 The named insured may reject this coverage. Rejecting this coverage is binding with respect to:
o Reinstatement of the policy with 30 days of any lapse.
Auto Loan/Lease Gap Coverage
1. A policy providing both Collision and Comprehensive coverages may be extended to provide coverage for the
difference between the outstanding indebtedness on a lease or finance agreement on a new vehicle and the actual
cash value of the vehicle. This coverage is subject to the following:
 This coverage may be provided only to a vehicle that is a private passenger auto, pickup or van; and
 The insured must request Auto Loan/Lease coverage within six months of leasing or financing a new vehicle.
2. Our payment under this Auto Loan/Lease coverage shall not exceed 25% of the actual cash value of the "your
covered auto" at the time of the total loss.

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3. The charge for this coverage will be applied to the Collision and Comprehensive premiums without application of
the deductible factors. These premiums are to be added together for display on the Declarations.
4. Loan/Lease Gap Coverage will continue to apply, unless otherwise requested to be removed by the insured, until
the first renewal when the vehicle attains a vehicle age of 6. At this renewal, Loan/Lease Gap Coverage will be
removed.
Roadside Assistance Coverage
Roadside Assistance is included on all policy with an option to increase coverage that may be purchased on any policy.
This endorsement provides coverage to pay for expenses incurred under roadside assistance.
The basic policy includes in-network coverage for all vehicles with Collision or Comprehensive coverage. Out-of-
network coverage is optional. The out-of-network coverage limit is identified for each vehicle on the Declaration Page.
Autonomous Vehicle Protection Package
The following coverages are mandatory and are attached to all policies:
 Autonomous Vehicle Owner Liability
 Cyber Identity Fraud Expense
 Wall Charger Coverage
 Electronic Key Replacement
Texas Named Driver Exclusion Acknowledgement
If the Named Driver Exclusion Endorsement applies to Uninsured Motorists Coverage, the undersigned acknowledges
and understands that this Named Driver Exclusion Acknowledgment serves as a rejection of Uninsured Motorists
Coverage, with respect to damages, expenses, benefits or loss arising out of the maintenance or use of any auto or
trailer by the person who is shown in the Named Driver Exclusion Endorsement Schedule or in the policy Declarations,
as a named excluded driver.
If the Named Driver Exclusion Endorsement applies to Personal Injury Protection Coverage, the undersigned
acknowledges and understands that this Named Driver Exclusion Acknowledgment serves as a rejection of Personal
Injury Protection Coverage, with respect to damages, expenses, benefits or loss arising out of the maintenance or use
of any auto or trailer by the person who is shown in the Named Driver Exclusion Endorsement Schedule or in the policy
Declarations, as a named excluded driver.
Texas Uninsured Motorists Coverage Selection/Rejections

This document includes general descriptions of coverage. However, no coverage is provided by this document. You
should read your policy and review your Declarations Page(s) and/or Schedule(s) for complete information on the
coverages you are provided.
Uninsured Motorists Coverage provides insurance protection to an insured for compensatory damages which the
insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle because of bodily injury
or property damage caused by an automobile accident. Also included are damages due to bodily injury or property
damage that result from an automobile accident with a hit-and-run vehicle whose owner or operator cannot be
identified.
Unless rejected, Uninsured Motorists Coverage will be afforded at limits at least equal to: (1) split limits of
$30,000 for each person, subject to $60,000 for each accident with respect to bodily injury, and $25,000 with respect
to property damage; or (2) a combined single limit of $85,000 for each accident, but you may select optional higher
limits.
Other Discounts
Group Rate

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A reduction in premium is available if the Named Insured or Spouse/Registered Domestic Partner is a Tesla Employee.
Companion Discount
The following rule applies to Private Passenger Auto vehicle type: If a household member insured by a Tesla personal
auto policy is also a named insured for a homeowners policies sold through Tesla Insurance Services through a
companion insurance company.
Vehicle Safety Discounts
Passive Restraint Discount
The premium will be reduced for automobiles equipped with air bag(s) conforming to the federal crash protection
requirements, as per the rating algorithm and rate tables. This discount will not apply if the vehicle is enrolled in the
Safety Tier Program.
Safety Tier program
Vehicles equipped with the following Advanced Driver Assistance Systems (ADAS) can enroll in the Safety Tier
program.
The Safety Tier program tier is determined in accordance with the underwriting guidelines. The policyholder will be
notified of changes in the Safety Tier in accordance with state change in risk requirements.
Matrix Factor
Based on a combination of financial responsibility score, and number of vehicles insured with Tesla, the otherwise
applicable premium shall be reduced.
The following rules are applicable:

1. If the total number of vehicles insured by Tesla within the household is two or more, the policy should be
considered as “multi-vehicle” within the Matrix.
A vehicle owned by a corporation or unincorporated association may be considered “individually owned” for
purposes of this rule if the vehicle is customarily driven only by individuals within the household and the vehicle
is also insured on a personal auto policy issued by Tesla.
Only those vehicle types eligible for the Matrix that are insured for both BI and PD (or CSL) are to be considered
when determining the number of vehicles insured.
Exception: A company car that is customarily under the control and care (for both personal and business
use) of members of the household shall be considered to qualify for the “multi-vehicle” factor.
2. The financial responsibility score used will be the same as the score used for the financial responsibility rating
factor. Please note: Policyholders or agents may request (no more than once in any twelve-month period),
that we obtain updated credit reports, and Tesla will reunderwrite and rerate a policyholder on the basis of the
updated credit report.
Payment Options
 Installment Payments
The total policy premium for a policy term may be paid through one of Tesla’s installment payment plans.
 Insufficient Funds
Tesla reserves the right to impose a fee of $30.00 for any premium payment, fees, or other charges due,
that are unable to be processed due to insufficient funds or the unavailability or inaccessibility of funds,
regardless of payment method.
 Late Payment Fee

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A late payment fee of $15.00 may be assessed for any payment not received on the third day past the
billing due date.

Page 8: [1] Formatted Matt Samuel 10/30/2020 10:41:00 AM
Font color: Auto, Not Expanded by / Condensed by

Disposition
Disposition Date: 12/02/2020
Effective Date (New):
Effective Date (Renewal):
Status: CL-Closed; No additional info required at this time
Comment:
Overall % Overall % Written Premium Number of Policy Written Maximum % Minimum %

Company Indicated Rate Change for Holders Affected Premium for Change Change
Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd):
Redpoint County Mutual 0.000% 0.000% $0 0 $0 0.000% 0.000%
Insurance Company
Schedule Schedule Item Schedule Item Status Public Access

Supporting Document (revised) Does this filing contain confidential information? Yes
Supporting Document Does this filing contain confidential information? Yes
Supporting Document (revised) Actuarial Support Yes
Supporting Document Actuarial Support Yes
Supporting Document Actuarial Support Yes
Supporting Document Exhibit A Yes
Supporting Document Exhibit C Yes
Supporting Document (revised) Filing Memorandum (Rates/Rules) Yes
Supporting Document Filing Memorandum (Rates/Rules) Yes
Supporting Document Filing Memorandum (Rates/Rules) Yes
Supporting Document Filing Authorization Letter Yes
Supporting Document Rate Tables in Track Changes Mode From Crestbrook Yes
Supporting Document Rule Manual in Track Changes Mode Yes
Rate (revised) Tesla Insurance Services InsurTech Solution Personal Yes
Auto Program Rules
Rate Tesla Insurance Services InsurTech Solution Personal Yes
Auto Program Rules
Rate Tesla Insurance Services InsurTech Solution Personal Yes
Auto Program Rules

Schedule Schedule Item Schedule Item Status Public Access

Rate (revised) Rate Tables Yes
Rate Rate Tables Yes
Rate Rate Tables Yes

Objection Letter
Objection Letter Status Information Requested
Objection Letter Date 11/24/2020
Submitted Date 11/24/2020
Respond By Date 12/15/2020
Dear Sheri Scott,
Introduction:
Thank you for your patience during the review of this rate/rule filing. Please address the following.
Objection 1
Comments: Please attach under the rate/rule schedule tab a rate/rule page that contains the information necessary to map
from the levels of the independent predictor variables (which are listed on page 2 of the "Explanatory Memo - Model" document) to a
Safety Tier Score. This information does not appear to have been included with the filing, but it is supplementary rating information
per 28 Tex. Admin. Code §5.9333 and hence must be filed. Note that if you believe this information to be confidential, you can mark
it as such using SERFF's confidentiality functionality.
Objection 2
Comments: Page 2 of the document titled "Explanatory Memo - Model" includes a table of independent predictor variables.
The fifth variable that's included in this table is expressed as a ratio between two quantities. It's not clear to me why we should
expect this ratio to be a better predictor than, e.g., the numerator taken by itself. Intuitively, it seems plausible that the numerator
could better predict risk of collision. Additionally, assuming for a moment that using the ratio is better, I'd also like to understand how
the company selected the numerical values that appear in both the numerator and the denominator.
Please provide a narrative that explains what analysis you performed to conclude that optimal results are achieved by (1) using a
ratio; and (2) using the selected constants that currently appear within that ratio.
Finally, please briefly explain how you measure the variable that appears in both the numerator and in the denominator of this
predictor.
Objection 3
Comments: Please confirm that the Safety Tier model is a generalized linear model. While I believe this is implied, it's not
explicitly stated. Additionally, assuming so, please (1) confirm that you used a log link function, or else provide the link function; (2)
provide the expression for the linear predictor in terms of the independent variables listed in the table on page 2, or equivalently state
what if any transformations (polynomial, log, etc) and interactions you applied to the independent variables; and (3) provide point
estimates for each parameter (for comparison against the "selected" values which should be derivable from the response to Objection
1 of this letter).
Objection 4
Comments: Please explain how your Safety Tier Model contemplated overdispersion. Do the predictor variable statistics
you've provided account for this?
Objection 5
Comments: In a 10/30/2020 Note to Reviewer, you provided updates to several attachments, including to two documents that
are located under the Supporting Documentation tab. For clarity and consistency, please go into the Supporting Documentation tab
and replace the out-of-date versions there with the revised versions. I believe you should be able to do this via an "amendment."
Objection 6
Comments: The Actuarial Memorandum indicates that an excel workbook was attached to this filing. However, I've been
unable to locate this document. Please upload it, or clarify.

Objection 7
Comments: Please explain how you selected the proposed 13% commission & brokerage provision.
Objection 8
Comments: In the associated form filing, you added a Virus and Disease Exclusion Endorsement (TES 0021TX). Please clarify
whether this endorsement is optional, mandatory, or conditional mandatory. Additionally, please address the following:
Changes that reduce coverage may need a rate credit. Please provide an appropriate rate credit along with actuarial support or
explain why no rate credit is given.
Objection 9
Comments: In the Policy Period section of the rule manual, you state that "Personal Auto Policies may be written for policy
periods of 6 months or less." Please update this language to reflect a minimum policy term of no less than 30 days, or else explain
how you will comply with the notice requirements for non-renewals and cancellations in Texas Insurance Code Chapter 551.
Conclusion:
I appreciate your attention to these matters.
Sincerely,
Eric Hintikka

Response Letter
Response Letter Status Submitted to State
Response Letter Date 12/02/2020
Submitted Date 12/02/2020
Dear Eric Hintikka,
Introduction:
Thank you for your continued review and guidance throughout the filing.
Response 1
Comments:
We have attached our response separately in the document 2020_11_24 Confidential Objection Response.
Related Objection 1
Comments: Please attach under the rate/rule schedule tab a rate/rule page that contains the information necessary to map from the levels of the independent predictor
variables (which are listed on page 2 of the "Explanatory Memo - Model" document) to a Safety Tier Score. This information does not appear to have been included with the
filing, but it is supplementary rating information per 28 Tex. Admin. Code §5.9333 and hence must be filed. Note that if you believe this information to be confidential, you can
mark it as such using SERFF's confidentiality functionality.
Changed Items:
No Supporting Documents changed.
No Form Schedule items changed.
No Rate/Rule Schedule items changed.
Response 2
Comments:
Related Objection 2

Comments: Page 2 of the document titled "Explanatory Memo - Model" includes a table of independent predictor variables. The fifth variable that's included in this table
is expressed as a ratio between two quantities. It's not clear to me why we should expect this ratio to be a better predictor than, e.g., the numerator taken by itself. Intuitively, it
seems plausible that the numerator could better predict risk of collision. Additionally, assuming for a moment that using the ratio is better, I'd also like to understand how the
company selected the numerical values that appear in both the numerator and the denominator.
Please provide a narrative that explains what analysis you performed to conclude that optimal results are achieved by (1) using a ratio; and (2) using the selected constants that
currently appear within that ratio.
Finally, please briefly explain how you measure the variable that appears in both the numerator and in the denominator of this predictor.
Changed Items:
Response 3
Comments:
Related Objection 3
Comments: Please confirm that the Safety Tier model is a generalized linear model. While I believe this is implied, it's not explicitly stated. Additionally, assuming so,
please (1) confirm that you used a log link function, or else provide the link function; (2) provide the expression for the linear predictor in terms of the independent variables
listed in the table on page 2, or equivalently state what if any transformations (polynomial, log, etc) and interactions you applied to the independent variables; and (3) provide
point estimates for each parameter (for comparison against the "selected" values which should be derivable from the response to Objection 1 of this letter).
Changed Items:
Response 4
Comments:

Related Objection 4
Comments: Please explain how your Safety Tier Model contemplated overdispersion. Do the predictor variable statistics you've provided account for this?
Changed Items:
Response 5
Comments:
Per your request, we submitted an amendment dated 12/1/2020 that includes the previously updated documents..
Related Objection 5
Comments: In a 10/30/2020 Note to Reviewer, you provided updates to several attachments, including to two documents that are located under the Supporting
Documentation tab. For clarity and consistency, please go into the Supporting Documentation tab and replace the out-of-date versions there with the revised versions. I believe
you should be able to do this via an "amendment."
Changed Items:
Response 6
Comments:
We apologize for the reference to an excel file. The file uploaded with the rating algorithm and rate tables is the PDF document TIS TX RR Rating Algorithm and Rate
Tables_2020_10_30. We have also uploaded a revised actuarial memo that updates the reference to an excel file to rate tables, since they are only provided in pdf format.
Related Objection 6
Comments: The Actuarial Memorandum indicates that an excel workbook was attached to this filing. However, I've been unable to locate this document. Please upload
it, or clarify.
Changed Items:

Supporting Document Schedule Item Changes

Satisfied - Item: Filing Memorandum (Rates/Rules)
Comments:
Attachment(s): TIS TX RR Actuarial Memo_2020_11_30.pdf
Previous Version
Comments:
Previous Version
Comments:
Attachment(s): TIS TX RR Actuarial Memo.pdf
Response 7
Comments:
The 13% Commission & Brokerage was selected based on the commission agreement between Redpoint Insurance Company and Tesla Insurance Services.
Related Objection 7
Comments: Please explain how you selected the proposed 13% commission & brokerage provision.
Changed Items:
Response 8
Comments:

The loss cost data on which the proposed Tesla rates were based did not include any virus and disease claims as this is a new exposure that emerged from COVID-
19. This coverage was never intended to be covered under a personal automobile policy and therefore the virus and disease exclusion clarifies the intended exclusion. Since
the loss costs on which the proposed rates were based did not include and did not intend to include virus and disease claims excluded by the proposed endorsement, the
proposed rates reflect that the coverage is excluded and no adjustment is required.
Related Objection 8
Comments: In the associated form filing, you added a Virus and Disease Exclusion Endorsement (TES 0021TX). Please clarify whether this endorsement is optional,
mandatory, or conditional mandatory. Additionally, please address the following:
Changes that reduce coverage may need a rate credit. Please provide an appropriate rate credit along with actuarial support or explain why no rate credit is given.
Changed Items:
Response 9
Comments:
The referenced statement has been removed as the intention is to offer six-month policies. An updated Rule Manual has been provided.
Please note, an additional step has been added to the Territory determination rule to clarify when a new zip code is created by the United States Postal Service (USPS). During
programming, it was discovered that the approved Crestbrook territory definition table was missing zip codes that were recently released by the USPS, and an additional rule
was necessary to determine territory assignments in this scenario. A revised territory definition table has been submitted that reflects the additional zip codes within each
county, which were assigned the territory to the closest zip code within the same county.
As part of the programming, Tesla also identified that Tesla Roadsters pre-2011 were assigned symbols using ISOs 75 Symbol Program which applies to model year 2011 and
later. Exhibit 4 has been updated to reflect the proposed symbol for Tesla Roadster pre-2011 which uses ISO pre-2011 26 Symbol Program.
Related Objection 9
Comments: In the Policy Period section of the rule manual, you state that "Personal Auto Policies may be written for policy periods of 6 months or less." Please update
this language to reflect a minimum policy term of no less than 30 days, or else explain how you will comply with the notice requirements for non-renewals and cancellations in
Texas Insurance Code Chapter 551.
Changed Items:


Satisfied - Item: Actuarial Support
Comments:
TIS TDI Exhibit E - Liability.pdf
TIS TDI Exhibit E - Physical Damage.pdf
Attachment(s): TIS TDI Exhibit L - Profit Provision.pdf
Tesla Filing Exhibit CM (page 1).pdf
TIS TX RR Exhibits_2020_12_02.pdf
Previous Version
Comments:
Previous Version
Comments:
TIS TX RR Exhibits.pdf

Rate Schedule Item Changes

Item Previous State Filing
No. Exhibit Name Rule # or Page # Rate Action Number Date Submitted
1 Tesla Insurance Services New 12/02/2020
InsurTech Solution By: Matt Samuel
Personal Auto Program
Rules
Previous Version
InsurTech Solution By:
Rules
Previous Version
InsurTech Solution By: Sheri Scott
Rules
2 Rate Tables New 12/02/2020
By: Matt Samuel
Previous Version
By:
Previous Version
By: Sheri Scott
Conclusion:
If you have any questions or concerns, please do not hesitate to contact us.
Sincerely,
Matt Samuel

Amendment Letter
Submitted Date: 12/01/2020
Comments:
Per Item 5 from 11/24/20 Objection, we have replaced the out-of-date versions with revised versions as requested.
Changed Items:
No Form Schedule Items Changed.
No Rate Schedule Items Changed.


Comments:
Previous Version
Comments:

Comments:
Previous Version
Comments:
Attachment(s): TIS TX RR Actuarial Memo.pdf
Satisfied - Item: Rule Manual in Track Changes Mode

Comments: Tracked changes between 2020_10_01 to 2020_10_30 Rule Manual
Attachment(s): TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf

Amendment Letter
Comments:
As per our email, we are uploading revised proposed rate tables as well as the support (actuarial memo, model memo, and exhibits). The initial filing support proposed
modifying the Vehicle Use and Passive Restraint rating steps to apply a 1.000 factor so that they would not be applied to vehicles opting into the Safety Tier program.
The attached revised support proposes to change this approach to instead apply the Vehicle Use and Passive Restraint rating steps to all vehicles including connected
vehicles opting into the Safety Tier program as the underlying Crestbrook Insurance Company program applies them without modification. Therefore, a base rate offset
related to these rating steps is no longer required. The enclosed removes the base rate offsets from Exhibit 1 accordingly. All of the filing support impacted has been
updated.
Thank you for your continued review and guidance throughout the filing.
Sheri
Changed Items:
Rate Schedule Item Changes

Item Previous State Filing Number
No. Exhibit Name Rule # or Page # Rate Action Date Submitted
1 Tesla Insurance New 10/30/2020
Services InsurTech By:
Solution Personal Auto
Program Rules
Previous Version
1 Tesla Insurance New 10/01/2020
Services InsurTech By: Sheri Scott
Solution Personal Auto
Program Rules
By:
Previous Version
By: Sheri Scott

No Supporting Documents Changed.

Amendment Letter
Comments:
Please see attached the confidential memorandum supporting the proposed Safety Tier model used to tier the vehicles that opt-into the Safety Tier program, as well as
the underwriting guideline pages with the proposed Safety Tier definitions, and the credit tier definitions. There are no proposed changes to the credit tier definitions
from those approved for use in the program on which the proposed rates are based..
Changed Items:
No Rate Schedule Items Changed.

Satisfied - Item: Does this filing contain confidential information?
Comments: Yes. This filing does contain confidential information.
Attachment(s):
Previous Version
Comments: No. This filing does not contain confidential information.
Attachment(s):

Note To Reviewer
Created By:
Sheri Scott on 10/30/2020 08:10 PM
Last Edited By:
Sheri Scott
Submitted On:
10/30/2020 08:12 PM
Subject:
Revisions to proposed rates to reflect revisions to application of Safety Tier program
Comments:
As per our discussion, we are uploading revised proposed rate tables as well as the support (actuarial memo, model memo,
and exhibits). We are proposing to introduce minor violation factors to the violation factor table since the insurance company is
a count mutual which is permitted to have minor violation factors. Also, the initial filing support proposed modifying the Vehicle
Use and Passive Restraint rating steps to apply a 1.000 factor so that they would not be applied to vehicles opting into the
Safety Tier program. The attached revised support proposes to change this approach to instead apply the Vehicle Use and
Passive Restraint rating steps to all vehicles including connected vehicles opting into the Safety Tier program as the underlying
Crestbrook Insurance Company program applies them without modification. Therefore, a base rate offset related to these
rating steps is no longer required. The enclosed removes the base rate offsets from Exhibit 1 accordingly. All of the filing
support impacted has been updated. To facilitate your review of the impact to the proposed rule manual, we have enclosed
both a proposed new rule manual as well a version in track changes mode from the prior submitted version.
Thank you for your continued review and guidance throughout the filing. Should you have any questions, please do not
hesitate to contact me.
Sheri
714-933-1100

Attachment TIS TX RR Actuarial Memo_2020_10_30.pdf could not be

reproduced here for the following reason: PDF header signature not found.
Attachment TIS TX RR Exhibits_2020_10_30.pdf could not be reproduced here

for the following reason: PDF header signature not found.
Attachment TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf could not be

reproduced here for the following reason: PDF header signature not found.

Rate Information
Rate data applies to filing.
Filing Method: File & Use
Rate Change Type: Neutral
Overall Percentage of Last Rate Revision: %
Effective Date of Last Rate Revision:
Filing Method of Last Filing: n/a - new program
SERFF Tracking Number of Last Filing: n/a - new program
Company Rate Information

Overall % Overall % Written Premium Number of Policy Written Maximum % Minimum %
Company Indicated Rate Change for Holders Affected Premium for Change Change
Name: Change: Impact: this Program: for this Program: this Program: (where req'd): (where req'd):
Redpoint County Mutual 0.000% 0.000% $0 0 $0 0.000% 0.000%
Insurance Company

Rate/Rule Schedule
Item Schedule Item Previous State

No. Status Exhibit Name Rule # or Page # Rate Action Filing Number Attachments
1 Tesla Insurance Services New TIS TX RR
InsurTech Solution Personal Rules_2020_11_30.pdf
Auto Program Rules
2 Rate Tables New TIS TX RR Rating Algorithm
and Rate
Tables_2020_12_02.pdf
RULES
TEXAS
InsurTech Solution
Table of Contents
Policy Program ............................................................................................................................................. 2
Mexico Coverage ........................................................................................................................................................ 3
Financial Responsibility Filings .................................................................................................................................... 3
Policy Period ............................................................................................................................................................... 3
Policy Changes ........................................................................................................................................................... 3
Classification ................................................................................................................................................ 5
Territory ....................................................................................................................................................................... 5
Vehicle Age ................................................................................................................................................................. 6
Driver Class ................................................................................................................................................................. 6
Other Discounts ......................................................................................................................................... 13
Group Rate ................................................................................................................................................................ 13
Matrix Factor ............................................................................................................................................................. 14
Payment Options ........................................................................................................................................ 14

InsurTech Solution
wildfires, etc.
Policy Program


Partner.
applicable.

InsurTech Solution
Mexico Coverage
Policy Period
1. The rates considered part of this manual are for a 6 month policy term. Final premium before autonomous vehicle
will require pro-rata adjustment if policies are written for a shorter period.
Policy Changes
cancels.

InsurTech Solution
a. Insureds;
b. Claims made;
attached Trailer.

InsurTech Solution

 Gender
 Age
 Marital Status
 Operator Status
 Driving Record
policy.
Classification
Territory

5. If a territory cannot be determined considering above, then assign the territory for an adjacent zip code.

InsurTech Solution
Vehicle Age
The following definitions are used in classifying vehicle use.
2. FARM USE means:


b) No farm use.

b) No farm use; and
Exceptions:
Driver Class
1. Gender
2. Age
4. Operator Status

InsurTech Solution

5. Good Student

InsurTech Solution
Experience Period
preceding the effective date of the policy term.
2. If a violation or accident occurs for which a point is required under this rule during the period between preparation
of the renewal and the renewal effective date, the violation or accident surcharge will be postponed until the
following renewal.
Minor Violations
All violations not considered major violations are considered minor violations.
Major Violations
drugs, including zero tolerance for a person under the age of 21 and Alcohol/Chemical/Substance
offenses less than DWI
b. Failure to submit to a chemical test
c. Failure to stop and report when involved in an accident
d. Falsification of an accident report
e. Vehicular homicide, negligent homicide, manslaughter (whether or not “involuntary”), or assault
arising out of the operation of a motor vehicle
f. Driving without a valid license, registration, or while license is suspended or revoked
g. Permitting unlicensed person to operate a motor vehicle
h. Permitting the operation of an uninsured motor vehicle
i. Committing a felony with a motor vehicle
j. Involved in racing or highway speed contest
k. Fleeing or attempting to elude a police officer with an auto or failure to stop and comply when
signaled by a police officer, firefighter, or other authorized person
l. Driving without lights to avoid identification or arrest
m. Negligent or reckless operation of a motor vehicle
n. Misrepresenting, loaning, or falsification of a driver’s license, license plate, or registration
o. Operating a motor vehicle without owner’s permission
p. Illegal transportation of hazardous materials or explosives
q. Illegal transportation of liquor or narcotics for sale
r. Any misdemeanor involving use of a motor vehicle
u. Making a false affidavit or statement under oath, or falsely certifying to the truth of any fact or
information to the Department under any law relating to ownership or operation of motor vehicles
v. Other serious violations

InsurTech Solution
Accidents
EXCEPTIONS:
person, OR
falling objects, OR
his or her auto, OR

counted as follows:
meet the chargeable accident definition, then incident treated as a minor violation. If the accident
subsequently meets the chargeable accident definition, accident surcharge applied for the remainder of
the accident’s 36-month experience period.
is surcharged.
Violation surcharges decrease as the time since the latest violation increases. The “time since the latest
violation” is defined to be the number of months between the date of the most recent chargeable violation and
the effective date of the policy for new business or the annual due date of the policy for renewals. Each minor
violation is worth 1 point, and each major violation is worth 5 points.


InsurTech Solution
Accident Surcharge
driver.
accident is surcharged. If a minor violation and an accident result from the same incident and the accident
does not meet the chargeable accident definition, then the incident will be treated as a minor violation. If
the accident subsequently meets the chargeable accident definition, the accident surcharge shall be
applied for the remainder of the accident’s 36-month experience period
is surcharged.







InsurTech Solution
insureds.
Renewal Scoring:
level.

apply.
shall be revised.

InsurTech Solution
vehicle.

InsurTech Solution
removed.

identified.
limits.
Other Discounts
Group Rate

InsurTech Solution
Companion Discount
requirements, as per the rating algorithm and rate tables.
Safety Tier program
program.
Matrix Factor

Payment Options

billing due date.

RULES
TEXAS
InsurTech Solution
Table of Contents
Policy Program ............................................................................................................................................. 2
Mexico Coverage ........................................................................................................................................................ 3
Policy Period ............................................................................................................................................................... 3
Policy Changes ........................................................................................................................................................... 3
Premium Determination ............................................................................................................................... 5
Classification ................................................................................................................................................ 5
Territory ....................................................................................................................................................................... 5
Vehicle Age ................................................................................................................................................................. 5
Driver Class ................................................................................................................................................................. 6
Other Discounts ......................................................................................................................................... 13
Group Rate ................................................................................................................................................................ 13
Matrix Factor ............................................................................................................................................................. 14
Payment Options ........................................................................................................................................ 14

InsurTech Solution
wildfires, etc.
Policy Program


Partner.
applicable.

InsurTech Solution
Mexico Coverage
Policy Period
2. For policies issued with an effective date of the 29 th, 30th or 31st of any month, the first policy period will be
Policy Changes
cancels.

InsurTech Solution
a. Insureds;
b. Claims made;
attached Trailer.

InsurTech Solution

• Gender
• Age
• Marital Status
• Operator Status
• Good Student Status
• Driving Record
• Financial Responsibility
policy.
Classification
Territory

Vehicle Age

InsurTech Solution
The following definitions are used in classifying vehicle use.
2. FARM USE means:


b) No farm use.

b) No farm use; and
Exceptions:
Driver Class
1. Gender
2. Age
4. Operator Status

InsurTech Solution

5. Good Student
• Ranked among the upper 20 percent of the class scholastically; OR
• In schools using letter grades, had a grade average of “B” or its equivalent, or, if the system of letter
• In schools using numerical grade points, such as 4, 3, 2, and 1 points, the student had a grade average
• Was included in the “Dean’s List”, “Honor Roll”, or comparable list indicating scholastic achievement.
Experience Period

InsurTech Solution
following renewal.
Minor Violations
All violations not considered major violations are considered minor violations.
Major Violations
drugs, including zero tolerance for a person under the age of 21 and Alcohol/Chemical/Substance
offenses less than DWI
b. Failure to submit to a chemical test
c. Failure to stop and report when involved in an accident
d. Falsification of an accident report
e. Vehicular homicide, negligent homicide, manslaughter (whether or not “involuntary”), or assault
arising out of the operation of a motor vehicle
f. Driving without a valid license, registration, or while license is suspended or revoked
g. Permitting unlicensed person to operate a motor vehicle
h. Permitting the operation of an uninsured motor vehicle
i. Committing a felony with a motor vehicle
j. Involved in racing or highway speed contest
k. Fleeing or attempting to elude a police officer with an auto or failure to stop and comply when
signaled by a police officer, firefighter, or other authorized person
l. Driving without lights to avoid identification or arrest
m. Negligent or reckless operation of a motor vehicle
n. Misrepresenting, loaning, or falsification of a driver’s license, license plate, or registration
o. Operating a motor vehicle without owner’s permission
p. Illegal transportation of hazardous materials or explosives
q. Illegal transportation of liquor or narcotics for sale
r. Any misdemeanor involving use of a motor vehicle
u. Making a false affidavit or statement under oath, or falsely certifying to the truth of any fact or
information to the Department under any law relating to ownership or operation of motor vehicles
v. Other serious violations
Accidents

InsurTech Solution

EXCEPTIONS:
person, OR
falling objects, OR
his or her auto, OR

counted as follows:
meet the chargeable accident definition, then incident treated as a minor violation. If the accident
subsequently meets the chargeable accident definition, accident surcharge applied for the remainder of
the accident’s 36-month experience period.
is surcharged.
Violation surcharges decrease as the time since the latest violation increases. The “time since the latest
violation” is defined to be the number of months between the date of the most recent chargeable violation and
the effective date of the policy for new business or the annual due date of the policy for renewals. Each minor
violation is worth 1 point, and each major violation is worth 5 points.

Accident Surcharge
driver.

InsurTech Solution
does not meet the chargeable accident definition, then the incident will be treated as a minor violation. If
the accident subsequently meets the chargeable accident definition, the accident surcharge shall be
applied for the remainder of the accident’s 36-month experience period
is surcharged.






insureds.

InsurTech Solution
Renewal Scoring:
level.

apply.
shall be revised.

vehicle.

InsurTech Solution
• This form of auto insurance shall be offered at limits equal to the bodily injury liability limits under every auto
• If this form of insurance is purchased it must apply to all vehicles on the policy.
• The named insured may, by agreement in writing, reject such coverage or select lower limits, but may not
• Rejecting this coverage is binding with respect to:
• Uninsured Motorists coverage limits must be the same for all autos on the policy.
• When Bodily Injury Uninsured Motorists coverage is afforded.
• Property Damage Uninsured Motorists coverage shall be offered under every Tesla policy with auto liability
• The named insured may reject this coverage. Rejecting this coverage is binding with respect to:
• This coverage may be provided only to a vehicle that is a private passenger auto, pickup or van; and
• The insured must request Auto Loan/Lease coverage within six months of leasing or financing a new vehicle.
removed.

InsurTech Solution
• Cyber Identity Fraud Expense
• Wall Charger Coverage
• Electronic Key Replacement

identified.
limits.
Other Discounts
Group Rate
Companion Discount

InsurTech Solution
requirements, as per the rating algorithm and rate tables.
Safety Tier program
program.
Matrix Factor

Payment Options
• Installment Payments
• Insufficient Funds
• Late Payment Fee

billing due date.

RULES
TEXAS
InsurTech Solution
Table of Contents
Policy Program ............................................................................................................................................. 2
Mexico Coverage ........................................................................................................................................................ 3
Policy Period ............................................................................................................................................................... 3
Policy Changes ........................................................................................................................................................... 3
Classification ................................................................................................................................................ 5
Territory ....................................................................................................................................................................... 5
Vehicle Age ................................................................................................................................................................. 5
Driver Class ................................................................................................................................................................. 6
Accident Free Discount ............................................................................................................................................... 9
Other Discounts ......................................................................................................................................... 13
Group Rate ................................................................................................................................................................ 13
Matrix Factor ............................................................................................................................................................. 14
Payment Options ........................................................................................................................................ 14

InsurTech Solution
wildfires, etc.
Policy Program


Partner.
applicable.

InsurTech Solution
Mexico Coverage
Policy Period
Policy Changes
cancels.

InsurTech Solution
a. Insureds;
b. Claims made;
attached Trailer.

InsurTech Solution

 Gender
 Age
 Marital Status
 Operator Status
 Driving Record
policy.
Classification
Territory

Vehicle Age

InsurTech Solution
vehicle is not enrolled in the Safety Tier program, then the following definitions are used in classifying vehicle use.
2. FARM USE means:


b) No farm use.

b) No farm use; and
Exceptions:
Driver Class
1. Gender
2. Age
4. Operator Status

InsurTech Solution

5. Good Student
Experience Period

InsurTech Solution
following renewal.
Minor Violations
All violations not considered major violations are considered minor violations and are not used for rating.
Major Violations
a. Driving while intoxicated or under the influence of alcohol or drugs, OR
b. Homicide or assault arising out of the operation of a motor vehicle; OR
c. Failure to submit to a chemical test, OR
d. Driving without a valid license, registration, or while license is suspended or revoked.
Accidents
EXCEPTIONS:
person, OR
falling objects, OR
his or her auto, OR

InsurTech Solution
Major Violation Surcharge

counted as follows:
meet the chargeable accident definition, then incident treated as a minor violation and not surcharged. If
is surcharged.
Major violation surcharges decrease as the time since the latest violation increases. The “time since the latest
violation” is defined to be the number of months between the date of the most recent chargeable major
violation and the effective date of the policy for new business or the annual due date of the policy for renewals.
Accident Surcharge
not surcharged. If the accident subsequently meets the chargeable accident definition, the accident
is surcharged.




InsurTech Solution



insureds.
Renewal Scoring:
level.

apply.
shall be revised.

InsurTech Solution

vehicle.

InsurTech Solution
removed.

InsurTech Solution

identified.
limits.
Other Discounts
Group Rate
Companion Discount
Safety Tier program
program.

InsurTech Solution
Matrix Factor

Payment Options

billing due date.

Rating Algorithm
UM/UIMBI UM/UIMP Rental

Step Rate Order of Calculation BI PD MED PIP COMP COLL UM/UIMBI CSL D Roadside Reimbursement GAP - COMP GAP - COLL
1 Base Rate
2 Territory Factor x x x x x x x x x x x
3 Group Rate Factor x x x x x x x x x x x
4 Physical Damage Rate Symbol Factor x x x x
5 Vehicle Age Factor x x x x x x x x
6 Increased Limit Factor x x x x x x x
7 Deductible Factor x x
8 Vehicle Use Factor x x x x x x x x
9 Passive Restraint Discount x x x x
10 Safety Tier Factor x x x x x x x x
11 Average Driver Class Factor x x x x x x x x
12 Financial Responsibility Factor x* x* x* x* x* x* x x x x x
13 Household Composition x x x x x x x x
14 Matrix Factor x x x x x x x x
15 Companion Discount x x x x x x x x
16 Coverage Expense Fee + + + + + +
17 Premium by Coverage (Multiply steps 1 to 15, and add step 16) =
18 All Coverage Premium (Sum of By-Coverage premium) =

19 State Fees (Motor Vehicle Crime Prevention Auth Fee) +
20 Autonomous Vehicle Package +
21 Total Premium (Sum steps 18 thru 20) =
Notes:
1. Round each step to the nearest cent.
2. If Combined Single Limit (CSL) is selected, UMBI CSL and UIMBI CSL columns are used. UMBI and UIMBI are used if CSL is not selected.
3. If optional GAP coverage selected, GAP base rate = collision or comprehensive base rate x 0.05 factor from miscellaneous coverage page.
4. (*) Financial Responsibility Factor is included in the Average Driver Factor Calculation for BI, PD, MED, PIP, COMP, and COLL.
5. GAP COMP and GAP COLL use COMP and COLL factors, respectively, for each rating step that applies.
Average Driver Factor Calculation
Policy Level
Steps Variable Description
1 Driver Count Count all licensed drivers, exclude non-drivers.
2 Vehicle Count Count vehicles where vehicle type = "Private Passenger Auto" and coverage exists for either CSL, or both BI & PD
3 Youthful Driver Set this indicator to "Yes" if the age of the youngest driver on the policy is <25 years old. Otherwise, set to "No."
Driver Level (for each coverage)

Steps Variable Action Description
Find driver classification factor based on gender, age, martial status, operator status, good student discount and
1 Driver Classification Factor coverage type.
2 Violation Surcharge + Find violation surcharge based on violation points and # months since last violation.
3 Accident Surcharge + Find accident surcharge based on # Chargeable Accidents and Months Since Latest Accident.
Find this by looking to see if there has been an accident for a driver. If there hasn't been an accident in the last three
4 Accident Free Discount x years apply the discount.
Applied if the licensed operator age 19 or older is unable to provide a verifiable driver license number for which a
5 Unverifiable Driver Record Surcharge x current Motor Vehicle Report (MVR) can be obtained.
Find this based on insurance score used and then find the factor based on the financial responsibility class, years
6 Financial Responsibility Factor x with Tesla Insurance Srvcs, and coverage type.
7 Final Driver Classification Factor by Coverage = Find to three decimal places
8 Final Average Driver Classification Factor for each Coverage Type Sum the Final Driver Classification Factors for each driver and divide by the Driver Count
Revised

Base Rates (Semi-Annual)
BI PD MED PIP COMP COLL UM/UIMBI UM/UIMBI CSL UM/UIMPD

Base Rate 326.83 367.15 59.20 294.29 296.25 599.43 43.95 70.52 13.67
Territory Factors
Territory BI PD MED PIP COMP COLL UM/UIMBI UM/UIMBI CSL UM/UIMPD

1 0.174 1.561 0.835 0.812 0.549 1.135 0.813 0.828 1.559
2 0.174 1.298 0.913 0.877 0.540 1.103 0.826 0.846 1.546
3 0.728 1.167 0.896 0.811 0.554 1.040 0.783 0.798 1.570
4 0.954 1.350 0.963 0.985 0.555 1.225 0.945 0.966 1.570
5 0.731 1.151 0.877 0.811 0.562 1.044 0.783 0.799 1.381
6 0.790 1.233 0.862 0.840 0.552 1.136 0.771 0.784 1.550
7 0.704 1.146 0.872 0.850 0.507 0.997 0.746 0.762 1.394
8 0.693 1.246 0.862 0.846 0.525 1.054 0.758 0.773 1.394
9 0.860 1.324 0.931 0.863 0.590 1.188 0.879 0.901 1.540
11 0.731 1.217 0.827 0.802 0.508 1.011 0.779 0.801 1.606
12 0.796 1.180 0.899 0.811 0.550 1.096 0.856 0.874 1.570
14 0.842 1.303 0.931 0.893 0.557 1.204 0.912 0.930 1.788
15 0.964 1.331 1.037 1.026 0.616 1.108 0.979 0.996 1.546
16 0.818 1.314 0.926 0.925 0.554 1.121 0.860 0.880 1.421
18 0.949 1.238 1.032 0.988 0.604 1.055 1.089 1.091 1.156
19 1.038 1.326 1.064 0.953 0.685 1.233 0.969 0.977 1.358
20 1.059 1.329 1.077 0.997 0.714 1.132 0.969 0.975 1.199
24 0.993 1.259 1.045 1.032 0.537 0.938 0.999 1.002 1.106
25 1.044 1.336 1.106 1.105 0.600 1.030 1.111 1.115 1.043
26 0.981 1.299 1.037 1.035 0.565 1.175 1.032 1.038 1.189
27 1.008 1.298 1.069 1.094 0.546 1.027 1.008 1.012 1.209
28 0.953 1.261 1.027 0.952 0.513 1.045 1.013 1.020 1.202
29 0.995 1.280 1.141 1.056 0.552 0.995 1.032 1.033 1.311
31 0.967 1.342 1.050 1.088 0.553 1.076 1.017 1.018 1.083
34 1.033 1.299 1.069 1.054 0.713 1.001 1.048 1.051 1.311
35 0.995 1.132 1.077 0.978 0.668 0.931 0.980 0.979 1.202
36 0.934 1.169 0.971 0.953 0.526 0.990 0.971 0.974 1.245
37 1.173 1.229 1.200 1.192 0.666 1.226 1.114 1.120 1.248
38 1.003 1.135 1.077 1.003 0.583 0.972 1.042 1.047 1.099
39 1.163 1.255 1.127 1.146 0.674 1.351 1.122 1.130 1.298
44 0.971 1.053 1.123 1.079 0.582 0.976 1.038 1.041 1.145
45 1.091 1.081 1.181 1.116 0.593 1.065 1.106 1.109 1.172
46 1.124 1.261 1.151 1.136 0.725 1.069 1.094 1.095 1.265
47 1.030 1.203 1.077 0.946 0.626 0.978 1.048 1.051 1.311
48 1.154 1.167 1.114 1.043 0.780 1.112 1.207 1.207 1.175
49 0.972 1.191 1.018 0.981 0.534 1.008 0.996 1.000 1.272
51 0.970 1.191 0.990 0.959 0.524 0.983 0.982 0.986 1.238
52 1.042 1.148 1.069 1.005 0.654 0.989 1.032 1.036 1.199
53 1.111 1.402 1.181 1.171 0.543 1.038 1.124 1.125 1.218
54 1.108 1.367 1.106 1.069 0.544 0.998 1.119 1.120 1.202
55 1.044 1.288 1.077 1.045 0.625 1.130 1.098 1.101 1.248
56 1.084 1.373 1.181 1.057 0.577 1.134 1.175 1.177 1.228
57 1.072 1.306 1.099 1.016 0.551 1.004 1.076 1.077 1.175
58 1.088 1.351 1.141 0.991 0.684 0.998 1.083 1.084 1.291
59 1.051 1.226 1.141 1.039 0.687 0.999 1.113 1.116 1.212
60 1.571 1.726 1.319 1.646 0.666 1.621 1.259 1.262 1.401
61 1.128 1.322 1.188 1.148 0.597 1.178 1.208 1.211 1.228
62 1.061 1.243 1.181 1.118 0.595 1.033 1.080 1.079 1.175
63 1.136 1.139 1.218 1.088 0.558 0.998 1.101 1.102 1.109
64 1.285 1.229 1.213 1.178 0.736 1.092 1.106 1.108 1.175
65 1.179 1.194 1.127 0.993 0.663 1.101 1.087 1.089 1.272
66 0.981 1.333 1.053 0.998 0.568 1.051 1.034 1.038 1.285
67 1.210 1.349 1.192 1.101 0.730 1.275 1.217 1.218 1.301
Territory Factors

68 1.088 1.254 1.242 1.106 0.608 1.157 1.168 1.171 1.301
69 1.004 1.294 1.050 0.989 0.528 0.910 1.045 1.051 1.126
70 1.547 1.491 1.465 1.327 0.776 1.472 1.269 1.274 1.209
71 1.598 1.645 1.497 1.291 0.752 1.389 1.289 1.295 1.225
72 1.115 1.492 1.131 1.079 0.763 1.186 1.114 1.119 1.145
73 0.895 1.164 0.926 0.894 0.519 1.039 0.958 0.962 1.182
74 0.897 1.030 1.013 1.092 0.523 0.912 0.989 0.990 1.099
75 0.954 1.114 1.008 0.977 0.599 0.987 1.035 1.038 1.056
76 1.024 1.204 1.173 1.099 0.750 1.062 1.104 1.107 1.238
77 1.038 1.129 1.151 1.050 0.736 1.057 1.087 1.089 1.311
78 1.012 1.211 1.027 1.023 0.590 1.092 1.124 1.126 1.265
79 0.926 1.186 0.990 0.962 0.524 0.964 1.051 1.055 1.069
80 1.103 1.384 1.106 1.042 0.730 1.219 1.072 1.073 1.175
81 1.219 1.320 1.181 1.049 0.743 1.122 1.106 1.110 1.275
82 1.012 1.106 1.040 0.979 0.679 0.945 1.054 1.057 1.228
83 0.987 1.206 1.064 1.015 0.643 0.983 1.051 1.055 1.209
84 1.095 1.301 1.095 0.956 0.732 1.179 1.058 1.063 1.145
85 1.017 1.357 0.986 0.956 0.565 0.972 1.085 1.089 1.189
86 1.119 1.497 1.114 1.062 0.719 1.281 1.124 1.125 1.272
87 1.163 1.318 1.296 1.124 0.672 1.177 1.068 1.070 1.321
88 1.223 1.240 1.196 1.054 0.634 1.145 1.111 1.111 1.291
89 1.002 1.140 1.064 1.003 0.556 0.981 1.032 1.034 1.145
90 1.185 1.320 1.274 1.148 0.733 1.145 1.144 1.144 1.291
91 1.246 1.289 1.205 1.069 0.727 1.224 1.120 1.120 1.301
92 1.053 1.104 1.095 1.040 0.605 0.936 1.045 1.051 1.056
93 1.049 1.309 1.099 1.019 0.565 1.117 1.101 1.103 1.225
94 0.985 1.193 0.995 1.002 0.551 1.108 1.061 1.063 1.275
95 1.098 1.388 1.131 1.144 0.565 1.045 1.083 1.086 1.175
96 0.971 1.207 1.141 1.114 0.673 1.118 1.055 1.056 1.354
97 1.023 1.299 1.000 0.952 0.597 1.020 1.017 1.020 1.166
98 0.947 1.221 0.954 0.905 0.492 0.949 1.013 1.015 1.106
99 1.094 1.310 1.114 1.164 0.553 1.079 1.168 1.166 1.520
100 1.051 1.339 1.095 1.021 0.577 0.973 1.074 1.079 1.162
101 0.989 1.241 1.000 0.962 0.502 1.016 1.029 1.033 1.156
102 1.253 1.413 1.196 1.191 0.718 1.354 1.192 1.194 1.225
104 1.026 1.533 0.954 0.962 0.505 1.246 0.919 0.937 1.917
105 0.957 1.622 0.921 0.910 0.441 1.178 0.827 0.844 2.205
106 0.960 1.514 1.000 0.923 0.492 1.213 0.879 0.895 2.073
107 1.003 1.529 0.946 0.980 0.502 1.183 0.894 0.915 1.930
108 0.915 1.480 0.958 0.970 0.457 1.180 0.889 0.911 2.013
109 1.002 1.540 0.986 0.966 0.474 1.218 0.918 0.943 1.980
110 0.692 1.250 0.885 0.838 0.866 1.089 0.752 0.769 1.007
111 0.785 1.273 0.954 0.879 0.865 1.035 0.847 0.868 0.901
113 0.930 1.527 0.954 1.069 0.524 1.169 0.798 0.815 1.944
114 0.816 1.460 0.830 0.834 0.449 1.049 0.733 0.746 1.546
116 0.871 1.490 0.954 0.905 0.451 1.065 0.798 0.819 2.136
117 0.887 1.580 0.986 0.919 0.466 1.194 0.826 0.847 1.778
118 0.904 1.626 0.966 0.973 0.502 1.206 0.808 0.823 1.559
119 0.879 1.495 0.848 0.906 0.442 1.180 0.766 0.781 2.023
120 1.282 1.213 1.309 0.974 1.581 1.356 1.144 1.147 1.126
121 0.934 1.559 0.931 0.907 0.450 1.078 0.781 0.799 2.060
122 0.980 1.629 1.072 0.971 0.455 1.213 0.851 0.872 2.060
123 1.067 1.555 1.022 1.032 0.453 1.233 0.869 0.889 2.520
Territory Factors

124 1.037 1.572 1.013 0.960 0.501 1.261 0.961 0.980 2.079
125 1.030 1.358 0.817 0.838 0.405 1.121 0.818 0.832 2.503
127 0.972 1.543 1.003 0.958 0.467 1.183 0.824 0.837 2.692
128 0.917 1.402 0.990 0.959 0.469 1.156 0.849 0.869 2.301
129 0.978 1.280 0.963 0.884 0.468 1.059 0.839 0.858 2.050
130 0.934 1.187 1.099 1.060 0.654 1.204 0.898 0.916 1.619
132 1.123 1.564 1.072 1.153 0.629 1.335 1.026 1.031 1.741
133 1.127 1.565 1.082 1.069 0.603 1.282 0.927 0.931 1.732
134 1.141 1.647 1.114 1.140 0.679 1.339 1.052 1.054 1.811
135 1.391 1.642 1.324 1.716 0.845 1.449 1.246 1.248 1.381
136 1.055 1.508 1.210 1.181 0.606 1.316 1.052 1.056 1.844
137 1.277 1.668 1.337 1.418 0.746 1.404 1.076 1.077 1.546
138 1.543 1.921 1.546 1.741 0.832 1.595 1.306 1.311 1.513
139 1.619 1.880 1.465 1.863 0.839 1.636 1.367 1.375 1.513
140 0.954 1.524 0.963 0.918 1.575 1.318 1.308 1.334 2.301
141 1.249 1.584 1.250 1.347 0.739 1.346 1.091 1.092 1.540
142 1.430 1.876 1.391 1.564 0.814 1.492 1.135 1.134 1.483
143 1.522 2.008 1.470 1.693 0.876 1.619 1.286 1.290 1.500
144 1.375 1.849 1.410 1.744 1.011 1.496 1.253 1.256 1.421
145 1.428 1.735 1.386 1.532 0.975 1.716 1.306 1.309 1.457
146 1.069 1.480 1.138 1.257 0.809 1.246 0.929 0.931 1.220
147 1.516 1.794 1.542 2.029 1.085 1.589 1.319 1.325 1.493
148 1.460 1.781 1.521 2.017 1.176 1.518 1.192 1.197 1.440
149 1.183 1.655 1.274 1.127 0.651 1.386 1.155 1.158 1.675
150 1.140 1.624 1.114 1.120 0.684 1.476 1.072 1.075 1.851
151 1.629 2.274 1.607 1.788 0.819 1.639 1.348 1.351 1.642
152 1.194 1.633 1.151 1.127 0.650 1.334 1.093 1.097 1.894
153 1.315 1.804 1.319 1.379 0.778 1.544 1.174 1.177 1.500
154 1.591 1.876 1.442 1.717 0.822 1.732 1.347 1.349 1.477
155 1.507 1.931 1.506 1.824 0.998 1.601 1.318 1.324 1.530
156 1.380 1.589 1.287 1.431 0.731 1.492 1.156 1.162 1.404
157 1.417 1.704 1.575 1.908 0.894 1.556 1.309 1.312 1.473
158 1.252 1.672 1.250 1.561 0.850 1.536 1.132 1.136 1.437
159 1.235 1.809 1.373 1.363 0.726 1.425 1.104 1.108 1.570
160 0.703 1.013 0.971 0.844 1.170 0.967 0.966 0.985 1.795
161 1.027 1.511 1.205 1.238 0.698 1.351 1.109 1.112 2.026
162 1.609 2.034 1.675 1.994 0.859 1.697 1.334 1.340 1.510
163 1.215 1.814 1.176 1.201 0.657 1.533 1.127 1.130 1.603
164 1.080 1.591 1.141 1.121 0.595 1.331 1.100 1.102 1.639
165 1.210 1.865 1.324 1.347 0.648 1.453 1.119 1.122 1.702
166 1.084 1.690 1.072 1.099 0.636 1.425 1.078 1.081 1.821
167 1.554 2.049 1.633 1.943 0.741 1.581 1.345 1.350 1.450
168 1.515 1.879 1.391 1.359 0.736 1.518 1.282 1.290 1.450
169 1.393 1.822 1.287 1.367 0.741 1.369 1.111 1.116 1.520
170 1.323 1.887 1.447 1.770 0.906 1.445 1.208 1.213 1.308
171 1.098 1.574 1.213 1.147 0.664 1.381 1.089 1.093 1.715
172 1.161 1.689 1.123 1.094 0.684 1.238 1.100 1.102 1.401
173 1.056 1.517 1.064 1.044 0.663 1.337 1.046 1.047 2.073
174 1.199 1.705 1.309 1.288 0.766 1.396 1.117 1.119 1.665
175 1.275 1.997 1.205 1.509 0.738 1.562 1.124 1.128 1.447
176 1.180 1.650 1.176 1.284 0.627 1.419 1.101 1.104 1.483
177 1.094 1.548 1.077 1.059 0.624 1.272 1.022 1.028 1.712
178 1.234 1.594 1.304 1.260 0.707 1.299 1.168 1.170 1.592
Territory Factors

180 1.087 1.619 1.196 1.194 0.676 1.353 1.076 1.081 1.685
181 1.124 1.643 0.997 1.201 0.767 1.280 0.894 0.896 1.154
182 1.321 1.917 1.263 1.411 0.675 1.388 1.109 1.112 1.473
183 1.039 1.603 1.229 1.188 0.630 1.283 1.107 1.109 1.712
184 1.053 1.578 1.064 1.133 0.606 1.294 1.048 1.051 1.775
185 1.304 1.589 1.324 1.278 0.727 1.472 1.208 1.213 1.881
186 1.592 1.786 1.720 1.973 0.869 1.539 1.315 1.321 1.632
187 1.604 1.951 1.521 1.773 0.909 1.686 1.373 1.378 1.450
188 1.373 1.626 1.420 1.436 0.907 1.387 1.174 1.177 1.440
189 1.712 1.854 2.016 2.288 1.267 1.611 1.467 1.474 1.513
190 1.528 1.756 1.675 1.985 1.075 1.655 1.396 1.403 1.659
191 1.593 1.698 1.917 2.188 1.215 1.575 1.455 1.460 1.483
192 1.459 1.687 1.612 1.838 1.029 1.605 1.365 1.369 1.632
193 1.269 1.582 1.452 1.406 0.679 1.365 1.127 1.132 1.632
194 1.248 1.547 1.210 1.158 0.607 1.351 1.127 1.131 1.732
195 1.245 1.666 1.245 1.132 0.657 1.370 1.085 1.091 1.841
196 1.462 1.816 1.361 1.439 0.707 1.537 1.234 1.239 1.679
197 1.297 1.687 1.242 1.241 0.733 1.374 1.146 1.150 1.559
198 1.383 1.929 1.502 1.493 0.820 1.509 1.260 1.264 1.702
199 1.318 1.599 1.285 1.402 0.763 1.230 0.969 0.973 1.164
200 0.945 1.384 0.859 0.838 0.937 1.269 1.436 1.468 2.109
201 1.335 1.862 1.373 1.405 0.752 1.411 1.175 1.181 1.576
202 1.588 1.836 1.657 1.875 1.060 1.512 1.269 1.272 1.483
203 1.623 1.996 1.647 1.953 0.955 1.572 1.217 1.223 1.381
204 1.115 1.636 1.087 1.121 0.567 1.203 1.096 1.101 1.669
205 1.197 1.721 1.159 1.159 0.663 1.358 1.072 1.079 1.592
206 1.140 1.631 1.210 1.172 0.611 1.391 1.059 1.061 1.738
207 1.159 1.661 1.255 1.142 0.737 1.417 1.144 1.150 1.692
208 1.308 1.773 1.442 1.716 0.980 1.539 1.136 1.140 1.493
209 1.298 1.696 1.268 1.416 0.808 1.567 1.272 1.278 1.659
210 1.496 1.761 1.452 1.475 0.654 1.525 1.518 1.521 1.669
212 0.806 1.241 1.003 0.981 0.453 1.143 0.895 0.914 1.301
213 0.912 1.629 0.598 1.026 0.443 1.107 0.571 0.582 1.311
214 0.981 1.626 1.013 0.987 0.433 1.025 0.851 0.868 1.394
215 0.822 1.111 0.958 0.752 0.469 0.985 0.759 0.777 1.344
216 0.665 1.116 1.022 0.765 0.431 1.171 0.831 0.848 1.401
217 0.899 1.088 0.941 0.750 0.401 0.816 0.781 0.798 1.010
218 0.943 1.457 0.667 0.609 0.503 1.115 0.538 0.549 1.477
219 0.704 1.218 0.724 0.686 0.420 0.759 0.593 0.604 1.046
220 1.654 2.029 1.492 1.646 0.866 1.576 1.187 1.189 0.891
221 0.774 1.107 0.934 0.680 0.433 0.765 0.676 0.691 1.079
222 0.994 1.469 0.530 0.548 0.423 1.016 0.501 0.509 1.381
223 0.714 1.126 0.913 0.917 0.482 0.912 0.840 0.858 1.301
224 0.882 1.528 0.526 0.724 0.460 0.999 0.485 0.493 1.261
225 0.948 1.626 0.689 0.712 0.352 1.163 0.589 0.600 1.570
226 0.729 1.275 0.822 0.832 0.440 0.942 0.761 0.779 1.142
227 0.562 1.491 0.654 0.604 0.343 1.133 0.739 0.757 1.381
228 0.858 1.215 1.000 0.763 0.461 0.878 0.800 0.816 1.265
229 0.599 1.210 0.885 0.906 0.440 0.792 0.868 0.885 1.245
232 0.700 1.114 1.040 1.020 0.457 1.056 0.831 0.853 1.427
234 0.870 1.532 1.013 0.959 0.505 1.092 0.827 0.844 1.421
235 0.862 1.250 0.995 0.945 0.412 0.961 0.808 0.828 1.199
236 0.713 1.103 0.926 0.897 0.412 0.799 0.761 0.779 1.043
Territory Factors

237 0.870 1.528 0.630 0.604 0.347 1.135 0.534 0.544 1.358
238 0.796 1.229 0.946 0.924 0.499 0.788 0.792 0.814 1.010
239 0.890 1.522 0.563 0.563 0.492 0.981 0.472 0.482 1.261
241 0.955 1.275 1.032 0.979 0.379 1.140 0.927 0.945 1.338
242 0.773 1.098 0.880 0.636 0.416 0.864 0.818 0.836 1.228
244 1.006 0.959 0.995 0.901 1.083 1.001 1.021 1.022 1.036
245 0.984 1.000 0.946 0.883 1.016 1.037 0.974 0.977 1.073
246 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
247 0.966 0.896 0.971 0.913 0.924 0.974 0.996 1.002 1.099
248 0.943 0.913 0.904 0.835 0.944 0.940 0.969 0.970 0.950
249 1.077 1.046 1.069 0.969 1.067 1.043 1.048 1.051 1.043
250 0.998 0.941 1.037 0.907 1.007 1.024 1.026 1.029 1.099
251 0.984 0.929 0.971 0.961 0.964 0.962 0.999 1.002 0.954
252 1.001 0.946 0.976 0.984 0.984 0.973 0.999 1.002 0.960
253 0.986 0.969 0.963 0.931 1.050 0.982 0.969 0.971 0.996
254 0.995 1.024 0.990 0.923 0.969 0.993 1.032 1.038 1.069
255 1.015 0.937 1.008 0.920 0.996 0.959 1.000 1.002 0.996
257 1.330 1.631 1.173 1.279 0.738 1.569 1.182 1.209 2.242
258 1.270 1.604 1.106 1.276 0.765 1.465 1.169 1.199 1.924
259 1.223 1.610 1.176 1.279 0.660 1.661 1.169 1.199 1.987
260 1.560 2.072 1.843 2.403 0.996 1.607 1.402 1.430 2.311
261 2.296 3.038 2.534 2.624 1.200 2.235 1.829 1.864 1.785
262 1.504 2.047 1.702 1.917 0.821 1.574 1.229 1.253 1.758
263 1.543 2.083 1.689 2.135 0.717 1.527 1.229 1.253 1.894
264 1.395 1.824 1.502 1.599 0.658 1.395 1.383 1.414 2.119
265 1.543 1.895 1.780 2.023 0.725 1.643 1.229 1.253 1.752
266 1.648 2.043 1.514 1.670 0.809 1.474 1.332 1.358 2.036
267 1.540 1.768 1.665 1.781 0.726 1.567 1.322 1.353 1.934
268 1.828 2.018 1.904 2.250 1.054 1.651 1.631 1.666 2.000
269 1.571 1.979 1.889 2.137 0.834 1.624 1.449 1.488 2.337
271 1.872 2.178 1.981 2.209 0.879 1.757 1.534 1.566 2.000
272 2.129 2.317 2.468 2.574 1.092 2.148 1.631 1.666 2.000
273 1.670 1.903 1.998 2.226 0.950 1.651 1.631 1.666 2.162
274 1.643 1.852 1.579 1.582 0.732 1.457 1.292 1.316 1.987
275 1.656 1.721 1.588 1.727 0.720 1.534 1.308 1.334 1.894
276 1.566 1.771 1.497 1.626 0.695 1.626 1.234 1.262 2.017
277 1.585 1.998 1.662 1.863 0.775 1.556 1.259 1.287 1.831
278 1.499 1.794 1.420 1.500 0.865 1.596 1.332 1.357 2.036
279 1.424 1.658 1.588 2.023 0.905 1.559 1.240 1.268 1.924
281 1.603 2.147 1.830 1.707 0.707 1.569 1.301 1.329 2.073
282 1.613 1.794 1.497 1.623 0.749 1.668 1.205 1.229 1.977
283 1.718 2.002 1.848 2.401 0.812 1.716 1.631 1.666 2.000
284 1.576 1.768 1.638 1.736 0.748 1.764 1.259 1.282 1.980
286 1.762 2.488 1.838 2.322 0.946 1.765 1.576 1.582 1.421
287 1.621 2.193 1.971 2.355 0.988 1.659 1.511 1.515 1.566
288 1.536 1.975 1.559 2.096 0.866 1.616 1.306 1.312 1.348
289 1.515 2.032 2.045 2.171 0.983 1.652 1.488 1.493 1.778
290 1.453 2.049 1.620 2.095 0.902 1.773 1.301 1.306 1.348
291 1.435 1.767 1.410 1.649 0.865 1.693 1.301 1.306 1.732
292 1.364 1.895 1.237 1.635 0.818 1.311 1.182 1.187 1.384
293 1.563 2.086 2.058 2.521 1.096 1.641 1.488 1.493 1.550
294 1.365 1.987 1.607 1.851 0.983 1.687 1.301 1.306 1.702
295 1.553 2.144 1.607 1.990 0.834 1.567 1.301 1.306 1.364
Territory Factors

296 1.352 1.920 1.304 1.379 0.677 1.461 1.301 1.306 1.629
297 1.950 2.663 2.117 2.439 1.054 2.002 1.660 1.666 1.417
298 1.529 1.876 1.460 1.539 0.733 1.519 1.309 1.316 1.768
299 1.487 2.119 2.035 2.219 0.828 1.576 1.371 1.373 1.417
300 1.463 2.018 1.442 1.989 0.820 1.650 1.367 1.369 1.410
301 1.585 2.137 1.460 1.711 0.738 1.597 1.354 1.361 1.440
302 1.357 1.680 1.365 1.577 0.648 1.566 1.301 1.306 1.811
303 1.576 2.103 1.720 2.147 0.726 1.531 1.301 1.306 1.421
304 1.466 1.866 1.633 1.901 0.940 1.570 1.347 1.349 1.576
305 1.433 1.905 1.442 1.666 0.847 1.634 1.301 1.306 1.483
306 1.490 1.731 1.628 2.111 1.215 1.722 1.402 1.403 1.705
307 1.486 1.940 1.601 1.797 1.034 1.587 1.367 1.369 1.583
308 1.524 1.822 1.702 2.196 1.210 1.754 1.417 1.419 1.695
309 1.453 1.764 1.633 2.064 1.040 1.696 1.402 1.403 1.629
310 0.950 1.420 1.087 1.088 0.720 1.250 1.008 1.029 2.261
311 1.423 1.712 1.588 1.828 0.787 1.471 1.391 1.391 1.583
312 1.529 2.015 1.971 2.255 0.826 1.680 1.520 1.523 1.576
313 1.473 1.849 1.420 1.592 0.707 1.494 1.301 1.306 1.629
314 1.555 1.912 1.889 2.157 0.852 1.639 1.549 1.551 1.566
315 1.370 1.818 1.365 1.455 0.663 1.432 1.301 1.306 1.659
316 1.469 1.861 1.452 1.501 0.699 1.424 1.312 1.318 1.583
317 1.553 1.860 1.497 1.526 0.750 1.474 1.301 1.306 1.715
318 1.564 1.871 1.442 1.666 0.874 1.553 1.321 1.327 1.348
319 1.536 1.911 1.694 2.019 1.074 1.721 1.389 1.390 1.715
320 0.809 1.209 1.109 0.955 0.634 1.220 1.374 1.405 2.546
321 1.663 2.103 1.848 2.084 1.153 1.794 1.455 1.464 1.467
322 1.489 1.761 1.638 1.878 1.011 1.722 1.488 1.493 1.841
323 1.491 1.849 1.502 1.599 0.732 1.550 1.301 1.306 1.795
324 1.432 1.967 1.607 1.824 0.795 1.566 1.347 1.349 1.530
325 1.498 1.910 1.601 1.754 0.769 1.577 1.301 1.306 1.364
326 1.502 1.839 1.497 1.681 0.770 1.424 1.301 1.306 1.421
327 1.502 1.870 1.402 1.500 0.827 1.688 1.301 1.306 1.741
328 1.401 1.868 1.465 1.391 0.802 1.749 1.351 1.361 1.894
329 1.571 2.206 1.571 1.774 0.772 1.624 1.301 1.306 1.642
330 1.442 2.004 1.460 1.541 0.735 1.548 1.301 1.306 1.861
331 1.569 2.321 1.981 2.216 0.838 1.666 1.459 1.464 1.583
332 1.649 2.310 1.921 2.281 0.829 1.740 1.454 1.459 1.586
333 1.478 1.689 1.588 2.055 0.991 1.510 1.402 1.403 1.583
334 1.617 1.819 1.612 1.899 0.879 1.461 1.364 1.371 1.619
335 1.455 1.786 1.657 1.888 1.202 1.690 1.308 1.314 1.546
336 1.499 1.702 1.588 1.859 1.107 1.576 1.400 1.406 1.679
337 1.545 1.717 1.438 1.494 0.804 1.571 1.301 1.306 1.871
338 1.599 1.726 1.402 1.499 0.792 1.599 1.301 1.306 1.520
339 1.349 1.849 1.391 1.419 0.788 1.637 1.402 1.403 1.851
340 0.684 1.017 0.926 1.039 0.580 1.145 0.873 0.893 2.308
341 1.681 2.103 1.848 2.040 0.957 1.624 1.488 1.493 1.546
342 1.635 2.137 1.857 2.065 0.914 1.671 1.594 1.600 1.679
343 1.748 2.066 2.098 2.448 0.982 1.808 1.527 1.530 1.642
344 1.773 1.978 2.035 2.130 1.243 1.706 1.488 1.493 1.536
345 1.474 1.878 1.647 1.743 0.973 1.541 1.455 1.460 1.665
346 1.615 1.910 1.633 2.034 0.978 1.663 1.308 1.314 1.613
347 1.888 2.316 2.551 2.660 1.134 2.123 1.846 1.853 1.540
348 1.694 2.115 1.665 1.953 0.828 1.706 1.365 1.371 1.738
Territory Factors

349 1.550 1.876 1.857 1.994 0.806 1.577 1.594 1.600 1.592
350 1.667 2.103 1.620 1.683 0.706 1.608 1.391 1.391 1.702
351 1.741 2.057 2.030 2.384 0.844 1.761 1.488 1.493 1.894
352 1.599 2.015 1.546 1.703 0.806 1.437 1.391 1.397 1.440
353 2.064 2.517 2.734 2.838 0.910 2.097 1.778 1.784 1.675
354 1.623 1.966 1.689 1.737 0.738 1.571 1.301 1.306 1.404
355 1.656 1.974 1.601 1.794 0.897 1.642 1.361 1.364 1.665
356 1.673 1.839 1.452 1.735 0.954 1.492 1.588 1.596 1.642
357 1.708 1.939 1.857 2.147 0.907 1.640 1.488 1.493 1.762
358 1.592 1.891 1.694 1.756 0.902 1.728 1.322 1.329 1.679
359 1.719 1.974 2.085 2.162 1.194 1.694 1.402 1.403 1.447
360 1.621 1.805 1.998 2.245 1.004 1.613 1.693 1.698 1.732
361 1.761 1.945 1.917 2.300 1.068 1.705 1.485 1.489 1.642
362 1.581 1.831 1.657 1.965 0.905 1.650 1.452 1.459 1.977
363 1.680 1.928 2.045 2.410 1.027 1.708 1.524 1.527 1.550
364 1.787 1.878 1.998 2.456 1.124 1.868 1.594 1.600 1.871
365 1.733 1.914 2.240 2.526 1.176 1.830 1.693 1.698 1.695
366 1.741 1.931 2.146 2.255 1.076 1.861 1.693 1.698 1.977
367 1.729 1.940 2.146 2.666 1.041 1.808 1.693 1.698 1.924
368 1.696 2.026 2.030 2.294 1.050 1.493 1.488 1.493 1.540
369 1.576 1.875 1.588 1.869 0.791 1.633 1.301 1.306 1.738
370 1.460 1.754 1.447 1.750 0.865 1.507 1.301 1.328 2.136
371 1.957 2.153 2.085 2.336 1.039 1.858 1.666 1.671 1.603
372 1.651 1.832 1.862 2.002 1.107 1.721 1.415 1.416 1.447
373 1.684 1.997 1.788 2.144 1.062 1.795 1.496 1.503 1.917
374 1.825 2.332 2.058 2.472 0.865 1.754 1.485 1.489 1.540
375 1.597 1.603 1.620 1.875 1.013 1.514 1.383 1.387 1.559
376 1.613 1.729 1.689 2.113 1.106 1.681 1.693 1.698 1.702
377 1.568 1.743 1.546 1.758 0.770 1.615 1.391 1.397 1.523
378 1.314 1.991 1.391 1.571 0.766 1.554 1.301 1.306 1.665
379 1.514 2.302 1.588 1.821 0.850 1.657 1.496 1.503 1.550
381 1.528 1.895 1.607 1.734 0.797 1.494 1.356 1.363 1.768
382 1.835 2.024 2.064 2.258 1.057 1.775 1.809 1.814 1.536
383 1.825 2.079 1.912 2.232 1.034 1.651 1.488 1.491 1.695
384 1.842 2.094 2.131 2.258 1.116 1.762 1.809 1.814 1.861
385 1.716 2.032 1.885 2.063 1.027 1.779 1.572 1.581 1.732
386 1.902 2.234 2.064 2.449 0.931 1.719 1.488 1.493 1.540
387 1.869 2.176 1.981 2.248 0.896 1.753 1.566 1.574 1.536
388 1.861 1.922 2.131 2.323 0.963 1.624 1.500 1.503 1.596
389 1.786 1.911 2.098 2.167 1.045 1.663 1.568 1.575 1.619
390 1.150 1.376 1.123 1.187 0.669 1.300 1.013 1.036 3.351
391 1.871 1.860 2.337 2.383 1.162 1.802 1.754 1.762 1.841
392 1.868 1.895 1.921 2.080 0.977 1.681 1.539 1.542 1.798
393 1.966 2.286 2.356 2.408 1.192 2.163 1.809 1.814 1.536
394 1.853 1.816 2.176 2.469 1.258 1.790 1.527 1.530 1.613
395 2.012 2.199 2.825 2.997 1.054 2.015 1.662 1.667 1.540
396 1.916 1.938 1.662 1.962 0.914 1.616 1.488 1.493 1.540
397 1.975 2.307 2.460 2.487 1.064 1.894 1.585 1.591 1.536
398 2.060 2.283 2.468 2.517 1.068 2.046 1.662 1.667 1.536
399 2.114 1.979 2.349 2.406 1.160 2.064 1.631 1.639 1.536
401 1.670 1.901 1.962 2.226 0.909 1.647 1.669 1.674 1.722
402 1.626 1.870 1.556 1.655 0.747 1.476 1.338 1.343 1.404
404 1.365 1.795 1.410 1.417 0.783 1.589 1.471 1.473 1.732
Territory Factors

406 1.334 1.627 1.365 1.509 0.780 1.570 1.301 1.306 1.868
407 1.466 2.032 1.556 1.671 0.711 1.575 1.301 1.306 1.798
408 1.416 1.819 1.662 1.994 0.989 1.648 1.301 1.306 1.642
409 1.494 1.862 1.329 1.499 0.677 1.478 1.301 1.306 1.695
410 0.979 0.987 1.058 1.188 0.450 1.011 1.028 1.048 3.718
411 1.718 2.003 1.899 2.403 0.828 1.749 1.669 1.674 1.483
412 1.478 1.949 1.365 1.525 0.695 1.516 1.299 1.306 1.675
413 1.360 1.979 1.391 1.509 0.826 1.558 1.301 1.306 1.768
414 1.499 1.871 1.442 1.583 0.800 1.534 1.301 1.306 1.348
416 1.702 1.386 1.514 1.365 1.529 1.172 1.549 1.584 2.215
417 1.772 1.408 1.601 1.493 1.563 1.240 1.754 1.787 2.483
418 1.777 1.287 1.612 1.310 1.536 1.242 1.660 1.696 2.337
419 1.754 1.245 1.473 1.428 1.575 1.232 1.492 1.527 2.169
420 1.147 1.033 1.000 1.157 0.438 1.192 0.971 0.993 3.116
424 1.080 1.303 1.027 1.108 0.845 1.132 1.089 1.111 1.248
425 0.950 1.247 1.027 0.904 1.006 1.198 0.982 1.006 1.245
426 0.914 1.239 1.050 1.127 0.940 1.064 1.004 1.028 1.175
427 0.936 1.309 1.050 1.108 0.847 1.172 1.039 1.059 1.272
428 0.936 1.309 1.082 1.076 0.841 1.099 1.059 1.081 1.261
429 1.093 1.304 1.127 1.156 0.998 1.187 1.124 1.154 1.417
430 1.174 1.355 1.141 1.192 0.469 1.084 1.002 1.023 1.987
431 0.878 1.279 1.050 0.921 0.952 1.104 0.953 0.970 1.291
433 0.796 1.317 0.904 0.880 0.582 1.152 0.866 0.885 1.473
434 0.730 1.240 0.896 0.889 0.558 1.180 0.840 0.858 1.464
435 0.749 1.268 0.941 0.931 0.573 1.134 0.844 0.864 1.487
436 0.842 1.173 0.966 0.885 0.601 1.240 0.860 0.876 1.427
437 0.833 1.347 0.958 0.907 0.578 1.143 0.842 0.856 1.685
438 0.809 1.149 0.904 0.864 0.563 1.132 0.847 0.864 1.430
439 0.912 1.261 0.946 0.889 0.603 1.169 0.941 0.962 1.741
440 1.061 1.090 1.188 1.194 0.634 1.269 0.980 1.001 2.109
441 0.890 1.305 0.872 0.974 0.575 1.097 0.895 0.915 1.559
442 0.922 1.303 0.941 0.892 0.573 1.249 0.945 0.968 1.814
443 0.842 1.193 0.931 0.915 0.587 1.107 0.898 0.916 1.536
444 0.822 1.318 0.877 0.960 0.578 1.118 0.829 0.846 1.513
445 0.948 1.254 0.931 0.890 0.594 1.259 0.951 0.971 1.778
447 1.144 1.420 1.136 1.266 0.593 1.230 0.967 0.990 1.665
449 1.206 1.499 1.192 1.217 0.620 1.301 0.993 1.012 1.692
450 0.999 1.372 1.053 1.069 0.609 1.287 0.862 0.878 1.834
451 1.078 1.377 1.196 1.299 0.571 1.302 0.947 0.966 1.705
452 0.967 1.283 1.136 1.243 0.552 1.297 0.882 0.897 1.775
453 1.062 1.359 1.095 1.237 0.571 1.275 0.906 0.927 1.758
454 1.019 1.368 1.136 1.212 0.594 1.362 0.993 1.016 1.758
455 1.002 1.382 1.136 1.127 0.695 1.305 0.964 0.985 1.659
456 1.083 1.406 1.232 1.231 0.629 1.395 0.992 1.014 1.917
457 0.983 1.270 1.136 1.121 0.608 1.323 0.934 0.954 1.871
458 1.072 1.460 1.136 1.206 0.621 1.477 1.076 1.097 2.053
459 1.041 1.486 1.163 1.256 0.713 1.364 0.986 1.006 1.821
460 0.965 1.375 1.123 1.035 0.757 1.313 0.918 0.938 1.970
461 1.083 1.415 1.106 1.197 0.584 1.248 1.012 1.029 1.841
462 1.070 1.364 1.136 1.193 0.564 1.400 0.989 1.010 1.967
463 1.065 1.293 1.163 1.167 0.626 1.372 1.065 1.085 1.871
464 1.037 1.416 1.141 1.132 0.598 1.464 1.059 1.081 2.050
465 1.061 1.393 1.176 1.190 0.615 1.404 0.992 1.012 1.980
Territory Factors

466 1.080 1.401 1.192 1.229 0.682 1.351 1.022 1.043 1.725
467 1.061 1.402 1.141 1.168 0.627 1.358 1.009 1.030 1.944
468 1.062 1.377 1.181 1.249 0.626 1.421 1.017 1.037 1.987
469 1.026 1.263 1.181 1.132 0.639 1.306 0.987 1.008 1.960
470 0.967 0.867 0.990 0.949 0.440 0.995 0.918 0.931 1.831
471 1.028 1.291 1.072 1.113 0.628 1.412 0.989 1.012 1.785
472 1.037 1.319 1.123 1.079 0.612 1.365 0.919 0.939 1.907
473 1.016 1.376 1.136 1.129 0.593 1.340 0.992 1.015 2.050
474 1.358 1.630 1.479 1.363 0.630 1.711 1.280 1.306 2.053
475 1.011 1.397 1.069 1.199 0.637 1.295 0.967 0.988 1.603
476 1.026 1.421 1.181 1.258 0.622 1.436 1.015 1.036 1.732
478 0.850 1.113 1.045 0.950 0.493 1.128 0.996 1.000 0.907
479 0.976 1.355 1.415 1.296 0.765 1.277 1.076 1.079 1.043
480 1.535 1.676 1.329 1.492 0.784 1.665 1.187 1.213 1.841
481 0.831 1.135 1.027 1.074 0.572 1.097 0.948 0.949 0.831
482 0.799 1.256 1.192 1.161 0.492 1.100 1.192 1.192 0.868
483 0.719 1.368 0.926 0.956 0.665 1.083 0.924 0.923 0.891
484 0.840 1.157 1.077 1.067 0.490 0.864 1.000 1.002 0.669
485 1.074 1.342 1.479 1.522 0.879 1.073 1.140 1.144 0.834
486 0.945 1.576 1.176 1.217 0.899 1.432 1.194 1.197 1.089
487 0.899 1.140 1.337 1.369 0.689 1.299 1.165 1.171 0.987
488 1.090 1.459 1.309 1.358 0.694 1.052 1.285 1.290 0.768
489 0.888 1.119 1.296 1.335 0.778 1.265 1.106 1.106 1.079
490 1.497 1.748 1.571 1.744 0.733 1.699 1.166 1.195 1.679
491 0.746 1.080 1.223 1.216 0.674 1.029 0.996 0.998 0.868
492 1.066 1.358 1.361 1.285 0.685 1.322 1.194 1.197 1.126
493 1.098 1.324 1.373 1.394 0.833 1.430 1.227 1.229 1.145
494 0.997 1.064 1.296 1.316 0.717 1.196 1.117 1.119 1.010
495 0.987 1.143 1.442 1.452 0.876 1.400 1.109 1.110 0.996
496 1.156 1.345 1.282 1.327 0.836 1.557 1.175 1.178 1.083
497 0.939 1.301 1.442 1.419 0.796 1.349 1.096 1.101 1.162
498 0.847 1.239 1.245 1.188 0.617 1.178 1.174 1.177 1.209
499 0.906 1.025 1.378 1.373 0.621 1.130 1.111 1.112 0.781
500 0.739 1.461 1.064 1.066 0.525 1.143 1.052 1.056 0.808
501 0.967 1.433 0.740 0.770 0.728 1.038 0.625 0.625 0.825
502 0.936 1.378 0.830 0.804 0.749 0.851 0.673 0.674 0.652
503 1.068 1.394 1.263 1.103 0.746 1.140 1.087 1.092 1.026
504 0.985 1.312 0.761 0.789 0.732 0.966 0.652 0.655 0.795
505 0.624 1.079 0.966 0.793 0.697 0.908 0.787 0.790 0.712
506 0.816 1.086 1.205 1.179 0.644 1.307 1.064 1.067 0.974
507 1.029 1.470 1.361 1.264 0.865 1.166 1.068 1.073 0.974
508 0.958 1.389 0.736 0.926 0.628 1.016 0.575 0.575 0.927
509 0.711 1.460 1.324 1.174 0.436 1.077 1.028 1.032 0.877
511 0.982 1.115 1.361 1.248 0.652 1.101 1.165 1.171 0.917
512 0.745 1.334 1.018 0.947 0.546 1.123 0.849 0.853 0.742
513 0.672 1.277 0.986 1.009 0.493 0.994 0.989 0.992 0.825
514 0.989 1.317 0.740 1.034 0.465 1.038 0.686 0.686 0.844
515 0.733 1.011 1.141 1.158 0.510 1.013 1.035 1.039 0.891
516 1.068 1.270 1.268 1.262 0.871 1.296 1.165 1.171 1.099
517 0.724 0.992 1.151 1.201 0.678 1.105 1.051 1.055 0.881
518 0.675 1.269 1.263 1.267 0.896 1.275 1.035 1.038 1.023
519 0.669 1.081 1.155 1.241 0.489 1.137 1.006 1.008 0.980
520 0.812 1.323 0.931 0.945 0.530 1.042 0.781 0.795 1.404
Territory Factors

521 0.886 1.121 1.612 1.681 0.849 1.084 1.221 1.226 0.752
522 0.998 1.337 1.534 1.596 0.621 1.568 1.308 1.317 1.136
523 0.946 1.372 1.268 1.288 0.834 1.292 1.205 1.207 1.043
524 0.887 1.098 1.378 1.334 0.802 1.337 1.253 1.258 1.023
525 0.801 1.235 1.309 1.283 0.645 1.126 1.225 1.229 0.954
526 0.914 1.396 0.521 0.535 0.674 0.909 0.549 0.551 0.944
527 0.810 1.297 1.099 1.165 0.771 1.302 1.021 1.023 1.026
528 0.728 1.292 1.090 1.029 0.517 1.073 1.002 1.004 0.871
529 0.608 0.861 1.123 1.159 0.474 0.909 0.956 0.956 0.778
530 0.867 1.024 0.913 0.925 0.525 1.026 0.864 0.880 1.881
531 0.682 1.283 1.099 1.167 0.520 0.913 1.019 1.021 0.722
532 0.637 0.939 1.181 1.162 0.510 0.909 1.054 1.056 0.752
533 0.523 1.071 1.018 0.997 0.404 1.040 0.974 0.976 1.023
534 0.685 1.208 0.817 1.099 0.766 0.878 0.775 0.777 0.722
536 0.836 1.324 0.963 0.892 0.555 1.084 0.898 0.917 1.596
537 0.902 1.430 0.885 0.855 0.508 1.120 0.833 0.850 1.586
538 0.711 1.404 0.867 0.930 0.542 1.056 0.788 0.803 1.659
539 0.710 1.355 0.931 0.797 0.468 0.960 0.762 0.779 1.629
540 1.504 1.626 1.438 1.220 0.841 1.522 1.127 1.150 1.619
541 0.831 1.560 1.037 0.844 0.562 1.208 0.821 0.837 1.758
543 0.809 1.422 0.885 0.799 0.499 1.183 0.836 0.854 1.692
544 0.819 1.317 0.896 0.884 0.502 1.041 0.827 0.842 1.464
545 0.826 1.398 1.037 0.963 0.495 1.016 0.869 0.890 2.060
546 0.917 1.525 1.027 0.953 0.549 1.233 0.927 0.944 1.692
547 0.824 1.482 0.934 0.907 0.558 1.098 0.844 0.860 1.904
548 0.749 1.322 0.899 0.845 0.595 1.016 0.834 0.852 1.685
549 0.818 1.333 0.950 0.927 0.581 1.104 0.844 0.860 1.665
550 1.502 1.373 1.497 1.362 0.781 1.333 1.178 1.202 1.321
551 0.808 1.414 0.966 0.855 0.497 0.976 0.808 0.823 1.559
552 0.847 1.505 0.934 0.855 0.503 1.108 0.842 0.860 1.500
553 0.801 1.348 0.899 0.881 0.495 1.021 0.853 0.868 1.583
554 0.818 1.361 0.909 0.946 0.496 0.969 0.851 0.867 1.430
555 0.778 1.435 0.880 0.868 0.461 0.998 0.846 0.864 1.656
556 0.799 1.593 0.921 0.898 0.552 1.039 0.840 0.858 1.513
557 0.971 1.543 0.963 0.908 0.543 1.205 0.895 0.911 1.665
558 0.862 1.417 0.986 1.006 0.507 1.011 0.961 0.982 1.705
559 0.968 1.496 1.053 0.987 0.514 1.182 1.000 1.023 1.762
560 1.483 1.517 1.402 1.316 1.599 1.396 1.254 1.276 1.887
561 0.821 1.398 0.885 0.827 0.492 1.083 0.844 0.858 1.748
562 0.913 1.406 1.027 0.953 0.499 1.154 0.987 1.010 1.788
563 0.822 1.377 0.934 0.891 0.490 0.994 0.839 0.854 1.649
564 0.877 1.534 0.941 1.009 0.470 1.173 0.961 0.979 2.172
565 0.797 1.346 0.904 0.809 0.434 0.980 0.860 0.876 1.656
566 0.951 1.624 0.934 0.903 0.573 1.316 0.921 0.943 1.960
567 0.817 1.415 0.909 0.967 0.587 1.061 0.862 0.880 1.917
568 0.801 1.324 1.000 0.930 0.512 0.991 0.859 0.877 1.778
569 0.979 1.524 0.971 0.977 0.561 1.078 0.927 0.945 1.566
571 0.878 1.472 0.954 0.876 0.477 0.999 0.892 0.908 1.559
572 0.864 1.574 0.954 0.913 0.455 1.112 0.914 0.931 1.762
573 0.798 1.541 1.050 0.999 0.461 1.019 0.927 0.949 1.679
574 1.027 1.695 1.163 1.122 0.440 1.104 1.076 1.094 1.897
575 0.860 1.457 0.976 0.903 0.525 1.135 0.964 0.980 1.613
576 0.942 1.498 0.966 0.885 0.563 1.152 0.940 0.961 1.583
Territory Factors

577 0.815 1.483 1.000 0.964 0.453 0.974 0.906 0.927 1.705
578 0.875 1.549 1.053 1.129 0.546 1.162 0.979 1.000 1.546
579 0.863 1.434 0.946 0.923 0.652 1.174 0.951 0.972 1.702
580 1.254 1.033 1.309 1.276 1.264 1.254 1.185 1.211 1.632
581 0.881 1.317 1.032 1.014 0.483 1.171 0.915 0.935 1.768
582 0.845 1.372 1.003 0.953 0.492 1.039 0.932 0.953 1.712
583 0.801 1.369 0.931 0.888 0.492 1.053 0.873 0.891 1.586
584 0.876 1.489 0.926 0.903 0.508 1.035 1.000 1.023 1.987
585 0.875 1.398 0.931 0.839 0.479 1.091 0.953 0.975 1.741
586 1.023 1.549 1.072 0.987 0.493 1.042 1.065 1.091 1.669
587 0.872 1.499 0.990 0.828 0.490 1.022 0.953 0.974 1.798
588 0.966 1.456 0.995 0.872 0.484 1.071 0.918 0.938 1.348
589 0.843 1.435 0.899 0.777 0.470 1.034 0.851 0.870 2.155
590 0.873 1.214 1.072 0.880 1.192 1.071 0.927 0.946 1.639
591 0.853 1.702 0.976 0.974 0.498 1.209 0.829 0.844 1.665
592 0.783 1.404 0.946 0.926 0.582 1.017 0.853 0.869 1.738
593 0.797 1.428 0.921 0.863 0.548 1.147 0.860 0.877 1.675
594 0.868 1.430 0.966 1.028 0.522 1.106 0.964 0.984 1.722
595 0.864 1.423 1.008 0.949 0.592 1.093 0.914 0.935 1.967
596 0.867 1.467 0.904 0.846 0.496 1.090 0.958 0.977 2.053
597 0.808 1.304 0.950 0.907 0.529 0.995 0.840 0.856 1.629
599 1.851 1.491 1.934 1.365 1.575 1.465 1.286 1.314 1.669
600 0.878 1.327 0.885 0.938 0.874 1.212 0.967 0.986 1.291
610 0.884 1.060 0.995 0.867 1.259 1.142 0.906 0.922 1.318
620 0.764 1.118 1.045 0.847 1.445 1.174 0.892 0.907 1.245
660 0.820 1.146 0.654 0.685 0.338 0.982 0.549 0.562 1.093
710 1.074 1.232 0.971 1.027 0.676 1.319 0.980 0.996 1.834
711 1.138 1.409 1.018 1.171 0.719 1.428 1.046 1.065 1.831
712 0.984 1.235 0.934 0.998 0.547 1.372 0.876 0.892 2.132
713 0.818 1.233 0.913 0.832 0.653 1.195 0.866 0.884 1.814
714 0.884 1.094 0.976 0.873 0.650 1.149 0.948 0.969 1.702
715 1.039 1.231 0.982 1.015 0.802 1.357 0.995 1.014 1.798
720 0.844 1.247 0.982 0.875 0.657 1.141 0.755 0.771 1.583
721 0.830 1.150 1.013 0.888 0.724 1.132 0.817 0.834 1.464
722 0.867 1.191 0.958 0.889 0.683 1.242 0.855 0.872 1.639
723 0.839 1.189 0.971 0.875 0.618 1.164 0.798 0.814 1.457
724 0.846 1.228 1.077 0.966 0.614 1.267 0.869 0.888 1.606
725 0.967 1.204 1.022 0.952 0.618 1.293 0.881 0.898 1.629
726 0.831 1.183 0.971 0.948 0.617 1.238 0.847 0.864 1.583
727 0.883 1.173 1.013 0.939 0.619 1.153 0.879 0.898 1.785
728 0.772 1.086 0.941 0.826 0.586 1.077 0.778 0.792 1.861
729 0.738 0.896 0.926 0.862 0.677 1.068 0.801 0.817 1.785
730 0.930 1.051 0.921 1.005 0.676 1.381 0.914 0.933 2.261
731 1.067 1.090 1.027 1.134 0.733 1.300 0.940 0.959 2.126
732 1.035 1.233 1.109 1.157 0.700 1.426 1.035 1.057 1.914
733 1.062 1.236 1.168 1.147 0.646 1.441 1.022 1.045 2.182
734 0.917 1.052 0.896 0.965 0.647 1.209 0.947 0.966 1.977
737 0.785 1.239 1.045 0.924 0.699 1.204 0.847 0.864 1.606
740 0.914 1.089 0.867 0.822 0.756 1.091 0.966 0.982 2.000
741 0.913 1.213 0.867 0.822 0.761 1.203 1.019 1.038 2.192
742 0.859 1.243 0.880 0.760 0.688 1.088 0.908 0.925 2.013
743 0.953 1.185 0.867 0.818 0.698 1.272 1.026 1.046 2.334
744 0.984 1.254 0.971 0.882 0.678 1.236 1.034 1.054 2.079
Territory Factors

745 1.008 1.161 0.899 0.872 0.657 1.195 1.009 1.029 2.036
746 0.802 1.080 0.921 0.692 0.526 1.043 0.911 0.929 1.775
747 0.865 1.138 0.840 0.776 0.605 1.055 0.938 0.955 1.924
748 0.875 1.073 0.859 0.807 0.674 0.987 0.889 0.907 1.814
749 0.878 1.282 0.867 0.802 0.665 1.248 0.989 1.008 2.337
750 0.884 1.249 0.971 0.930 1.296 1.189 0.971 0.990 0.825
751 0.847 1.249 0.958 0.918 1.296 1.189 0.944 0.963 0.825
752 0.836 1.276 0.950 0.942 1.311 1.214 0.971 0.990 0.825
753 0.753 1.251 0.958 0.890 1.311 1.212 0.840 0.856 0.825
754 0.778 1.071 0.982 0.846 0.973 1.071 0.872 0.890 0.871
755 0.711 1.249 0.958 0.918 1.298 1.190 0.758 0.773 0.825
756 0.740 1.282 0.958 0.940 1.323 1.222 0.805 0.823 0.825
757 0.767 1.273 0.971 0.939 1.331 1.221 0.853 0.872 0.825
758 0.763 1.164 0.950 0.829 0.955 1.033 0.851 0.869 0.841
759 0.768 1.041 0.950 0.807 1.107 0.991 0.829 0.846 0.825
761 0.837 1.209 1.000 0.986 0.735 1.250 0.847 0.864 1.596
764 0.939 1.128 0.885 0.838 0.647 1.193 0.956 0.976 2.142
765 0.774 0.947 0.877 0.832 0.588 1.195 0.921 0.939 2.017
777 1.318 1.664 1.332 1.382 0.744 1.414 0.596 0.599 0.596
Revised

Territory Definition
County Zip Code / Region Territory

ANDERSON Entire County 725
ANDREWS Entire County 610
ANGELINA Entire County 470
ARANSAS Entire County 550
ARCHER Entire County 720
ARMSTRONG Entire County 757
ATASCOSA Entire County 744
AUSTIN Entire County 746
BAILEY Entire County 756
BANDERA Entire County 748
BASTROP Entire County 747
BAYLOR Entire County 755
BEE Entire County 745
BELL 76501 8
BELL 76502 7
BELL 76503 7
BELL 76504 11
BELL 76508 11
BELL 76511 2
BELL 76513 7
BELL 76519 4
BELL 76527 16
BELL 76528 6
BELL 76533 8
BELL 76534 3
BELL 76539 9
BELL 76540 8
BELL 76541 8
BELL 76542 9
BELL 76543 11
BELL 76544 1
BELL 76547 8
BELL 76548 5
BELL 76549 11
BELL 76554 3
BELL 76557 14
BELL 76559 5
BELL 76564 5
BELL 76569 5
BELL 76571 12
BELL 76579 5
BEXAR 78002 48
BEXAR 78006 97
BEXAR 78009 83
BEXAR 78015 18
BEXAR 78023 69
BEXAR 78039 84
BEXAR 78052 20
BEXAR 78054 48
BEXAR 78069 52
BEXAR 78073 100
BEXAR 78101 66
BEXAR 78108 49
BEXAR 78109 89
BEXAR 78112 76
BEXAR 78124 51
BEXAR 78148 74
BEXAR 78150 99
BEXAR 78152 78
BEXAR 78154 36
BEXAR 78201 56
BEXAR 78202 86
BEXAR 78203 68
BEXAR 78204 67
BEXAR 78205 96
BEXAR 78206 96
BEXAR 78207 61
Revised


BEXAR 78208 80
BEXAR 78209 28
BEXAR 78210 37
BEXAR 78211 44
BEXAR 78212 54
BEXAR 78213 29
BEXAR 78214 77
BEXAR 78215 87
BEXAR 78216 57
BEXAR 78217 26
BEXAR 78218 55
BEXAR 78219 25
BEXAR 78220 31
BEXAR 78221 63
BEXAR 78222 65
BEXAR 78223 44
BEXAR 78224 88
BEXAR 78225 90
BEXAR 78226 39
BEXAR 78227 95
BEXAR 78228 46
BEXAR 78229 53
BEXAR 78230 24
BEXAR 78231 27
BEXAR 78232 79
BEXAR 78233 54
BEXAR 78234 59
BEXAR 78235 44
BEXAR 78236 64
BEXAR 78237 102
BEXAR 78238 34
BEXAR 78239 24
BEXAR 78240 58
BEXAR 78241 90
BEXAR 78242 91
BEXAR 78243 64
BEXAR 78244 75
BEXAR 78245 92
BEXAR 78246 57
BEXAR 78247 31
BEXAR 78248 63
BEXAR 78249 24
BEXAR 78250 62
BEXAR 78251 35
BEXAR 78252 81
BEXAR 78253 75
BEXAR 78254 38
BEXAR 78255 94
BEXAR 78256 93
BEXAR 78257 100
BEXAR 78258 98
BEXAR 78259 73
BEXAR 78260 101
BEXAR 78261 82
BEXAR 78263 72
BEXAR 78264 45
BEXAR 78265 26
BEXAR 78266 85
BEXAR 78268 34
BEXAR 78269 24
BEXAR 78270 79
BEXAR 78278 24
BEXAR 78279 57
BEXAR 78280 54
BEXAR 78283 67
BEXAR 78284 26
BEXAR 78285 26
Revised


BEXAR 78288 96
BEXAR 78289 26
BEXAR 78291 96
BEXAR 78292 96
BEXAR 78293 96
BEXAR 78294 96
BEXAR 78295 96
BEXAR 78296 96
BEXAR 78297 96
BEXAR 78298 96
BEXAR 78299 96
BLANCO Entire County 742
BORDEN Entire County 753
BOSQUE Entire County 723
BOWIE Entire County 410
BRAZORIA Entire County 370
BRAZOS Entire County 660
BREWSTER Entire County 751
BRISCOE Entire County 756
BROOKS Entire County 560
BROWN Entire County 729
BURLESON Entire County 765
BURNET Entire County 742
CALDWELL Entire County 747
CALHOUN Entire County 540
CALLAHAN 76437 754
CALLAHAN 76443 754
CALLAHAN 76464 754
CALLAHAN 76469 754
CALLAHAN 79504 754
CALLAHAN 79510 754
CALLAHAN 79541 754
CALLAHAN 79601 110
CALLAHAN 79602 754
CAMERON Entire County 599
CAMP Entire County 730
CARSON Entire County 757
CASS Entire County 731
CASTRO Entire County 756
CHAMBERS Entire County 490
CHEROKEE Entire County 732
CHILDRESS Entire County 756
CLAY Entire County 720
COCHRAN Entire County 756
COKE Entire County 759
COLEMAN Entire County 754
COLLIN 75002 106
COLLIN 75009 121
COLLIN 75013 116
COLLIN 75023 105
COLLIN 75024 116
COLLIN 75025 117
COLLIN 75026 105
COLLIN 75033 114
COLLIN 75034 114
COLLIN 75035 118
COLLIN 75036 118
COLLIN 75044 123
COLLIN 75048 107
COLLIN 75069 121
COLLIN 75070 121
COLLIN 75071 121
COLLIN 75072 121
COLLIN 75074 106
COLLIN 75075 105
COLLIN 75078 121
COLLIN 75080 109
Revised


COLLIN 75082 124
COLLIN 75086 106
COLLIN 75087 113
COLLIN 75093 119
COLLIN 75094 105
COLLIN 75097 121
COLLIN 75098 116
COLLIN 75121 117
COLLIN 75164 117
COLLIN 75166 117
COLLIN 75173 117
COLLIN 75189 127
COLLIN 75248 108
COLLIN 75252 106
COLLIN 75287 105
COLLIN 75407 125
COLLIN 75409 121
COLLIN 75424 122
COLLIN 75442 117
COLLIN 75452 128
COLLIN 75454 121
COLLIN 75485 121
COLLIN 75495 129
COLLINGSWORTH Entire County 757
COLORADO Entire County 746
COMAL Entire County 530
COMANCHE Entire County 737
CONCHO Entire County 754
COOKE Entire County 761
CORYELL Entire County 713
COTTLE Entire County 756
CRANE Entire County 610
CROCKETT Entire County 752
CROSBY Entire County 756
CULBERSON Entire County 751
DALLAM Entire County 757
DALLAS 75001 180
DALLAS 75006 205
DALLAS 75007 132
DALLAS 75011 205
DALLAS 75014 137
DALLAS 75015 208
DALLAS 75016 137
DALLAS 75017 193
DALLAS 75019 173
DALLAS 75030 149
DALLAS 75038 153
DALLAS 75039 174
DALLAS 75040 194
DALLAS 75041 185
DALLAS 75042 197
DALLAS 75043 136
DALLAS 75044 195
DALLAS 75045 195
DALLAS 75046 194
DALLAS 75047 185
DALLAS 75048 152
DALLAS 75049 136
DALLAS 75050 141
DALLAS 75051 196
DALLAS 75052 188
DALLAS 75053 196
DALLAS 75054 178
DALLAS 75059 174
DALLAS 75060 193
DALLAS 75061 208
DALLAS 75062 137
Revised


DALLAS 75063 173
DALLAS 75064 137
DALLAS 75067 172
DALLAS 75080 164
DALLAS 75081 204
DALLAS 75082 206
DALLAS 75083 164
DALLAS 75085 204
DALLAS 75088 149
DALLAS 75089 171
DALLAS 75098 184
DALLAS 75099 173
DALLAS 75104 144
DALLAS 75106 144
DALLAS 75115 146
DALLAS 75116 208
DALLAS 75123 146
DALLAS 75125 156
DALLAS 75134 185
DALLAS 75137 135
DALLAS 75138 135
DALLAS 75141 157
DALLAS 75146 170
DALLAS 75149 197
DALLAS 75150 142
DALLAS 75154 158
DALLAS 75159 169
DALLAS 75172 157
DALLAS 75180 154
DALLAS 75181 207
DALLAS 75182 183
DALLAS 75185 197
DALLAS 75187 197
DALLAS 75201 162
DALLAS 75202 155
DALLAS 75203 192
DALLAS 75204 138
DALLAS 75205 182
DALLAS 75206 151
DALLAS 75207 155
DALLAS 75208 192
DALLAS 75209 175
DALLAS 75210 148
DALLAS 75211 190
DALLAS 75212 208
DALLAS 75214 159
DALLAS 75215 147
DALLAS 75216 192
DALLAS 75217 190
DALLAS 75218 208
DALLAS 75219 199
DALLAS 75220 146
DALLAS 75221 151
DALLAS 75222 192
DALLAS 75223 203
DALLAS 75224 192
DALLAS 75225 201
DALLAS 75226 148
DALLAS 75227 192
DALLAS 75228 187
DALLAS 75229 181
DALLAS 75230 204
DALLAS 75231 143
DALLAS 75232 189
DALLAS 75233 190
DALLAS 75234 150
DALLAS 75235 209
Revised


DALLAS 75236 186
DALLAS 75237 202
DALLAS 75238 198
DALLAS 75240 198
DALLAS 75241 191
DALLAS 75242 155
DALLAS 75243 159
DALLAS 75244 166
DALLAS 75246 155
DALLAS 75247 167
DALLAS 75248 163
DALLAS 75249 145
DALLAS 75250 155
DALLAS 75251 165
DALLAS 75252 134
DALLAS 75253 139
DALLAS 75254 161
DALLAS 75260 192
DALLAS 75261 168
DALLAS 75262 192
DALLAS 75263 192
DALLAS 75264 192
DALLAS 75265 178
DALLAS 75266 208
DALLAS 75267 192
DALLAS 75270 155
DALLAS 75275 151
DALLAS 75277 147
DALLAS 75283 192
DALLAS 75284 192
DALLAS 75285 192
DALLAS 75287 214
DALLAS 75301 202
DALLAS 75303 148
DALLAS 75312 192
DALLAS 75313 162
DALLAS 75315 147
DALLAS 75320 155
DALLAS 75326 153
DALLAS 75336 139
DALLAS 75339 192
DALLAS 75342 208
DALLAS 75354 146
DALLAS 75355 198
DALLAS 75356 167
DALLAS 75357 187
DALLAS 75358 187
DALLAS 75359 159
DALLAS 75360 151
DALLAS 75367 204
DALLAS 75368 173
DALLAS 75370 214
DALLAS 75371 155
DALLAS 75372 151
DALLAS 75373 155
DALLAS 75374 159
DALLAS 75376 192
DALLAS 75378 181
DALLAS 75379 134
DALLAS 75380 198
DALLAS 75381 205
DALLAS 75382 143
DALLAS 75389 192
DALLAS 75390 208
DALLAS 75391 180
DALLAS 75392 192
DALLAS 75393 138
Revised


DALLAS 75394 208
DALLAS 75395 192
DALLAS 75397 192
DALLAS 75398 190
DALLAS 76051 177
DALLAS 76065 176
DAWSON Entire County 753
DEAF SMITH Entire County 757
DELTA Entire County 728
DENTON 75007 213
DENTON 75009 228
DENTON 75010 212
DENTON 75019 219
DENTON 75022 239
DENTON 75024 226
DENTON 75027 218
DENTON 75028 217
DENTON 75029 225
DENTON 75033 224
DENTON 75034 224
DENTON 75036 224
DENTON 75056 225
DENTON 75057 225
DENTON 75065 218
DENTON 75067 218
DENTON 75068 241
DENTON 75077 238
DENTON 75078 228
DENTON 75093 227
DENTON 75287 214
DENTON 76052 229
DENTON 76078 216
DENTON 76092 223
DENTON 76177 229
DENTON 76201 222
DENTON 76202 222
DENTON 76203 222
DENTON 76204 222
DENTON 76205 236
DENTON 76206 222
DENTON 76207 242
DENTON 76208 222
DENTON 76209 222
DENTON 76210 222
DENTON 76226 234
DENTON 76227 239
DENTON 76234 215
DENTON 76247 216
DENTON 76249 217
DENTON 76258 221
DENTON 76259 237
DENTON 76262 235
DENTON 76266 216
DENTON 76272 232
DEWITT Entire County 764
DICKENS Entire County 756
DIMMIT Entire County 744
DONLEY Entire County 757
DUVAL Entire County 744
EASTLAND Entire County 722
ECTOR Entire County 590
EDWARDS Entire County 743
EL PASO 79821 244
EL PASO 79835 250
EL PASO 79836 244
EL PASO 79838 244
EL PASO 79849 255
Revised


EL PASO 79853 244
EL PASO 79901 251
EL PASO 79902 248
EL PASO 79903 246
EL PASO 79904 245
EL PASO 79905 251
EL PASO 79906 246
EL PASO 79907 245
EL PASO 79908 245
EL PASO 79910 251
EL PASO 79911 245
EL PASO 79912 245
EL PASO 79913 245
EL PASO 79914 245
EL PASO 79915 254
EL PASO 79916 254
EL PASO 79917 245
EL PASO 79918 247
EL PASO 79920 252
EL PASO 79922 245
EL PASO 79923 246
EL PASO 79924 245
EL PASO 79925 252
EL PASO 79926 254
EL PASO 79927 244
EL PASO 79928 255
EL PASO 79929 244
EL PASO 79930 252
EL PASO 79931 252
EL PASO 79932 248
EL PASO 79934 250
EL PASO 79935 246
EL PASO 79936 246
EL PASO 79937 246
EL PASO 79938 249
EL PASO 79940 251
EL PASO 79941 251
EL PASO 79942 251
EL PASO 79943 251
EL PASO 79944 251
EL PASO 79945 251
EL PASO 79946 251
EL PASO 79947 251
EL PASO 79948 251
EL PASO 79949 251
EL PASO 79950 251
EL PASO 79951 251
EL PASO 79952 251
EL PASO 79953 251
EL PASO 79954 251
EL PASO 79955 251
EL PASO 79958 251
EL PASO 79960 251
EL PASO 79961 252
EL PASO 79968 253
EL PASO 79976 252
EL PASO 79978 251
EL PASO 79980 254
EL PASO 79995 251
EL PASO 79996 246
EL PASO 79997 251
EL PASO 79998 251
EL PASO 79999 251
EL PASO 88510 246
EL PASO 88511 246
EL PASO 88512 246
EL PASO 88513 246
Revised


EL PASO 88514 246
EL PASO 88515 246
EL PASO 88517 246
EL PASO 88518 246
EL PASO 88519 246
EL PASO 88520 246
EL PASO 88521 246
EL PASO 88523 246
EL PASO 88524 246
EL PASO 88525 246
EL PASO 88526 246
EL PASO 88527 246
EL PASO 88528 246
EL PASO 88529 246
EL PASO 88530 246
EL PASO 88531 246
EL PASO 88532 246
EL PASO 88533 246
EL PASO 88534 246
EL PASO 88535 246
EL PASO 88536 246
EL PASO 88538 246
EL PASO 88539 246
EL PASO 88540 246
EL PASO 88541 251
EL PASO 88542 251
EL PASO 88543 251
EL PASO 88544 251
EL PASO 88545 246
EL PASO 88546 246
EL PASO 88547 246
EL PASO 88548 246
EL PASO 88549 246
EL PASO 88550 251
EL PASO 88553 246
EL PASO 88554 246
EL PASO 88555 246
EL PASO 88556 246
EL PASO 88557 246
EL PASO 88558 246
EL PASO 88559 246
EL PASO 88560 246
EL PASO 88561 246
EL PASO 88562 246
EL PASO 88563 246
EL PASO 88565 246
EL PASO 88566 246
EL PASO 88567 246
EL PASO 88568 246
EL PASO 88569 246
EL PASO 88570 246
EL PASO 88571 246
EL PASO 88572 246
EL PASO 88573 246
EL PASO 88574 246
EL PASO 88575 246
EL PASO 88576 246
EL PASO 88577 251
EL PASO 88578 246
EL PASO 88579 246
EL PASO 88580 251
EL PASO 88581 246
EL PASO 88582 246
EL PASO 88583 246
EL PASO 88584 246
EL PASO 88585 246
EL PASO 88586 246
Revised


EL PASO 88587 246
EL PASO 88588 251
EL PASO 88589 246
EL PASO 88590 251
EL PASO 88595 251
ELLIS Entire County 310
ERATH Entire County 722
FALLS Entire County 714
FANNIN Entire County 728
FAYETTE Entire County 747
FISHER Entire County 759
FLOYD Entire County 756
FOARD Entire County 755
FORT BEND 77053 273
FORT BEND 77082 269
FORT BEND 77083 271
FORT BEND 77085 268
FORT BEND 77099 272
FORT BEND 77406 277
FORT BEND 77407 277
FORT BEND 77417 282
FORT BEND 77420 258
FORT BEND 77423 278
FORT BEND 77430 267
FORT BEND 77435 257
FORT BEND 77441 276
FORT BEND 77444 284
FORT BEND 77450 266
FORT BEND 77451 282
FORT BEND 77459 261
FORT BEND 77461 284
FORT BEND 77464 275
FORT BEND 77469 277
FORT BEND 77471 275
FORT BEND 77476 259
FORT BEND 77477 263
FORT BEND 77478 262
FORT BEND 77479 281
FORT BEND 77481 277
FORT BEND 77485 259
FORT BEND 77487 281
FORT BEND 77489 283
FORT BEND 77493 264
FORT BEND 77494 274
FORT BEND 77496 281
FORT BEND 77497 263
FORT BEND 77498 262
FORT BEND 77545 265
FORT BEND 77578 265
FORT BEND 77583 279
FORT BEND 77584 265
FRANKLIN Entire County 730
FREESTONE Entire County 724
FRIO Entire County 744
GAINES Entire County 756
GALVESTON Entire County 220
GARZA Entire County 756
GILLESPIE Entire County 742
GLASSCOCK Entire County 753
GOLIAD Entire County 745
GONZALES Entire County 747
GRAY Entire County 620
GRAYSON Entire County 130
GREGG Entire County 420
GRIMES Entire County 712
GUADALUPE Entire County 530
HALE Entire County 756
Revised


HALL Entire County 756
HAMILTON Entire County 737
HANSFORD Entire County 757
HARDEMAN Entire County 755
HARDIN Entire County 480
HARRIS 77001 287
HARRIS 77002 287
HARRIS 77003 343
HARRIS 77004 351
HARRIS 77005 292
HARRIS 77006 331
HARRIS 77007 368
HARRIS 77008 355
HARRIS 77009 373
HARRIS 77010 289
HARRIS 77011 394
HARRIS 77012 308
HARRIS 77013 306
HARRIS 77014 349
HARRIS 77015 335
HARRIS 77016 362
HARRIS 77017 362
HARRIS 77018 342
HARRIS 77019 300
HARRIS 77020 365
HARRIS 77021 363
HARRIS 77022 366
HARRIS 77023 344
HARRIS 77024 295
HARRIS 77025 307
HARRIS 77026 367
HARRIS 77027 316
HARRIS 77028 391
HARRIS 77029 336
HARRIS 77030 290
HARRIS 77031 293
HARRIS 77032 309
HARRIS 77033 392
HARRIS 77034 304
HARRIS 77035 385
HARRIS 77036 395
HARRIS 77037 362
HARRIS 77038 385
HARRIS 77039 408
HARRIS 77040 408
HARRIS 77041 323
HARRIS 77042 297
HARRIS 77043 294
HARRIS 77044 375
HARRIS 77045 389
HARRIS 77046 324
HARRIS 77047 361
HARRIS 77048 362
HARRIS 77049 322
HARRIS 77050 336
HARRIS 77051 357
HARRIS 77052 287
HARRIS 77053 401
HARRIS 77054 312
HARRIS 77055 385
HARRIS 77056 286
HARRIS 77057 329
HARRIS 77058 396
HARRIS 77059 305
HARRIS 77060 376
HARRIS 77061 319
HARRIS 77062 325
Revised


HARRIS 77063 374
HARRIS 77064 348
HARRIS 77065 369
HARRIS 77066 346
HARRIS 77067 360
HARRIS 77068 378
HARRIS 77069 413
HARRIS 77070 379
HARRIS 77071 393
HARRIS 77072 397
HARRIS 77073 334
HARRIS 77074 347
HARRIS 77075 371
HARRIS 77076 364
HARRIS 77077 332
HARRIS 77078 391
HARRIS 77079 329
HARRIS 77080 358
HARRIS 77081 353
HARRIS 77082 386
HARRIS 77083 387
HARRIS 77084 350
HARRIS 77085 382
HARRIS 77086 383
HARRIS 77087 399
HARRIS 77088 385
HARRIS 77089 321
HARRIS 77090 345
HARRIS 77091 384
HARRIS 77092 362
HARRIS 77093 364
HARRIS 77094 326
HARRIS 77095 313
HARRIS 77096 341
HARRIS 77098 299
HARRIS 77099 398
HARRIS 77201 287
HARRIS 77202 287
HARRIS 77203 287
HARRIS 77204 368
HARRIS 77205 309
HARRIS 77206 342
HARRIS 77207 319
HARRIS 77208 287
HARRIS 77209 304
HARRIS 77210 287
HARRIS 77212 287
HARRIS 77213 306
HARRIS 77215 374
HARRIS 77216 304
HARRIS 77217 362
HARRIS 77218 326
HARRIS 77219 300
HARRIS 77220 365
HARRIS 77221 363
HARRIS 77222 366
HARRIS 77223 344
HARRIS 77224 329
HARRIS 77225 307
HARRIS 77226 367
HARRIS 77227 316
HARRIS 77228 391
HARRIS 77229 306
HARRIS 77230 312
HARRIS 77231 385
HARRIS 77233 357
HARRIS 77234 304
Revised


HARRIS 77235 385
HARRIS 77236 395
HARRIS 77237 395
HARRIS 77238 385
HARRIS 77240 408
HARRIS 77241 408
HARRIS 77242 332
HARRIS 77243 385
HARRIS 77244 332
HARRIS 77245 321
HARRIS 77248 355
HARRIS 77249 373
HARRIS 77251 395
HARRIS 77252 287
HARRIS 77253 287
HARRIS 77254 312
HARRIS 77255 385
HARRIS 77256 316
HARRIS 77257 329
HARRIS 77258 325
HARRIS 77259 325
HARRIS 77261 362
HARRIS 77262 308
HARRIS 77263 393
HARRIS 77265 292
HARRIS 77266 331
HARRIS 77267 360
HARRIS 77268 349
HARRIS 77269 379
HARRIS 77270 287
HARRIS 77271 393
HARRIS 77272 397
HARRIS 77273 345
HARRIS 77274 347
HARRIS 77275 371
HARRIS 77277 316
HARRIS 77279 329
HARRIS 77280 358
HARRIS 77282 332
HARRIS 77284 350
HARRIS 77287 362
HARRIS 77288 351
HARRIS 77289 325
HARRIS 77290 349
HARRIS 77291 384
HARRIS 77292 342
HARRIS 77293 384
HARRIS 77297 287
HARRIS 77299 368
HARRIS 77315 309
HARRIS 77325 316
HARRIS 77336 337
HARRIS 77337 412
HARRIS 77338 356
HARRIS 77339 316
HARRIS 77345 316
HARRIS 77346 298
HARRIS 77347 356
HARRIS 77357 404
HARRIS 77365 339
HARRIS 77373 317
HARRIS 77375 315
HARRIS 77377 412
HARRIS 77379 313
HARRIS 77383 313
HARRIS 77388 381
HARRIS 77389 296
Revised


HARRIS 77391 313
HARRIS 77396 311
HARRIS 77401 316
HARRIS 77402 353
HARRIS 77410 302
HARRIS 77411 398
HARRIS 77413 316
HARRIS 77429 302
HARRIS 77433 330
HARRIS 77447 328
HARRIS 77449 407
HARRIS 77450 352
HARRIS 77477 303
HARRIS 77484 406
HARRIS 77489 411
HARRIS 77491 316
HARRIS 77492 316
HARRIS 77493 316
HARRIS 77494 402
HARRIS 77498 303
HARRIS 77501 372
HARRIS 77502 359
HARRIS 77503 314
HARRIS 77504 369
HARRIS 77505 288
HARRIS 77506 372
HARRIS 77507 318
HARRIS 77508 288
HARRIS 77520 377
HARRIS 77521 338
HARRIS 77522 338
HARRIS 77523 377
HARRIS 77530 336
HARRIS 77532 291
HARRIS 77535 291
HARRIS 77536 323
HARRIS 77546 301
HARRIS 77547 333
HARRIS 77562 327
HARRIS 77571 323
HARRIS 77572 323
HARRIS 77581 354
HARRIS 77586 414
HARRIS 77587 388
HARRIS 77598 313
HARRISON Entire County 440
HARTLEY Entire County 757
HASKELL Entire County 758
HAYS Entire County 530
HEMPHILL Entire County 757
HENDERSON Entire County 725
HIDALGO 78501 418
HIDALGO 78502 418
HIDALGO 78503 418
HIDALGO 78504 416
HIDALGO 78505 418
HIDALGO 78516 419
HIDALGO 78537 419
HIDALGO 78538 419
HIDALGO 78539 417
HIDALGO 78540 417
HIDALGO 78541 417
HIDALGO 78542 417
HIDALGO 78543 419
HIDALGO 78549 419
HIDALGO 78557 418
HIDALGO 78558 417
Revised


HIDALGO 78560 419
HIDALGO 78562 419
HIDALGO 78563 419
HIDALGO 78565 419
HIDALGO 78569 417
HIDALGO 78570 419
HIDALGO 78572 419
HIDALGO 78573 419
HIDALGO 78574 419
HIDALGO 78576 419
HIDALGO 78577 416
HIDALGO 78579 419
HIDALGO 78589 417
HIDALGO 78595 419
HIDALGO 78596 419
HIDALGO 78599 419
HILL Entire County 723
HOCKLEY Entire County 756
HOOD Entire County 460
HOPKINS Entire County 727
HOUSTON Entire County 732
HOWARD Entire County 600
HUDSPETH Entire County 750
HUNT Entire County 727
HUTCHINSON Entire County 620
IRION Entire County 752
JACK Entire County 721
JACKSON Entire County 749
JASPER Entire County 711
JEFF DAVIS Entire County 751
JEFFERSON Entire County 210
JIM HOGG Entire County 560
JIM WELLS Entire County 550
JOHNSON Entire County 340
JONES 79501 758
JONES 79503 758
JONES 79520 758
JONES 79525 758
JONES 79533 758
JONES 79536 758
JONES 79553 758
JONES 79560 758
JONES 79561 758
JONES 79601 110
KARNES Entire County 764
KAUFMAN Entire County 450
KENDALL Entire County 742
KENEDY Entire County 560
KENT Entire County 756
KERR Entire County 748
KIMBLE Entire County 740
KING Entire County 756
KINNEY Entire County 743
KLEBERG Entire County 550
KNOX Entire County 755
LA SALLE Entire County 744
LAMAR Entire County 728
LAMB Entire County 756
LAMPASAS Entire County 713
LAVACA Entire County 764
LEE Entire County 765
LEON Entire County 714
LIBERTY Entire County 490
LIMESTONE Entire County 714
LIPSCOMB Entire County 757
LIVE OAK Entire County 745
LLANO Entire County 742
Revised


LOVING Entire County 751
LUBBOCK 79250 426
LUBBOCK 79311 425
LUBBOCK 79313 426
LUBBOCK 79329 426
LUBBOCK 79343 426
LUBBOCK 79350 429
LUBBOCK 79358 431
LUBBOCK 79363 426
LUBBOCK 79364 426
LUBBOCK 79366 426
LUBBOCK 79382 426
LUBBOCK 79401 424
LUBBOCK 79402 424
LUBBOCK 79403 429
LUBBOCK 79404 429
LUBBOCK 79406 427
LUBBOCK 79407 424
LUBBOCK 79408 424
LUBBOCK 79409 427
LUBBOCK 79410 428
LUBBOCK 79411 427
LUBBOCK 79412 427
LUBBOCK 79413 424
LUBBOCK 79414 427
LUBBOCK 79415 424
LUBBOCK 79416 424
LUBBOCK 79423 424
LUBBOCK 79424 431
LUBBOCK 79430 424
LUBBOCK 79452 427
LUBBOCK 79453 427
LUBBOCK 79457 427
LUBBOCK 79464 431
LUBBOCK 79490 424
LUBBOCK 79491 424
LUBBOCK 79493 424
LUBBOCK 79499 424
LYNN Entire County 756
MADISON Entire County 714
MARION Entire County 731
MARTIN Entire County 753
MASON Entire County 741
MATAGORDA Entire County 540
MAVERICK Entire County 580
MCCULLOCH Entire County 740
MCLENNAN 76524 445
MCLENNAN 76557 442
MCLENNAN 76561 437
MCLENNAN 76621 441
MCLENNAN 76622 441
MCLENNAN 76624 436
MCLENNAN 76630 436
MCLENNAN 76633 436
MCLENNAN 76638 436
MCLENNAN 76640 436
MCLENNAN 76643 441
MCLENNAN 76654 436
MCLENNAN 76655 434
MCLENNAN 76657 436
MCLENNAN 76664 438
MCLENNAN 76682 438
MCLENNAN 76684 438
MCLENNAN 76689 433
MCLENNAN 76691 438
MCLENNAN 76701 439
MCLENNAN 76702 439
Revised


MCLENNAN 76703 439
MCLENNAN 76704 439
MCLENNAN 76705 441
MCLENNAN 76706 435
MCLENNAN 76707 441
MCLENNAN 76708 444
MCLENNAN 76710 444
MCLENNAN 76711 443
MCLENNAN 76712 443
MCLENNAN 76714 444
MCLENNAN 76715 439
MCLENNAN 76716 443
MCLENNAN 76797 444
MCLENNAN 76798 435
MCLENNAN 76799 444
MCMULLEN Entire County 744
MEDINA Entire County 748
MENARD Entire County 740
MIDLAND Entire County 600
MILAM Entire County 765
MILLS Entire County 713
MITCHELL Entire County 753
MONTAGUE Entire County 761
MONTGOMERY 77301 459
MOORE Entire County 620
MORRIS Entire County 410
MOTLEY Entire County 756
NACOGDOCHES Entire County 470
NAVARRO Entire County 724
NEWTON Entire County 711
NOLAN Entire County 759
NUECES 78330 70
NUECES 78332 70
NUECES 78339 70
NUECES 78343 70
NUECES 78347 71
Revised


NUECES 78351 70
NUECES 78373 71
NUECES 78380 70
NUECES 78383 70
NUECES 78401 71
NUECES 78402 71
NUECES 78403 71
NUECES 78404 71
NUECES 78405 71
NUECES 78406 70
NUECES 78407 70
NUECES 78408 71
NUECES 78409 70
NUECES 78410 70
NUECES 78411 71
NUECES 78412 71
NUECES 78413 71
NUECES 78414 71
NUECES 78415 71
NUECES 78416 71
NUECES 78417 70
NUECES 78418 71
NUECES 78419 71
NUECES 78426 70
NUECES 78427 71
NUECES 78460 70
NUECES 78463 71
NUECES 78465 71
NUECES 78466 71
NUECES 78467 71
NUECES 78468 71
NUECES 78469 71
NUECES 78472 71
NUECES 78480 71
OCHILTREE Entire County 757
OLDHAM Entire County 757
ORANGE Entire County 60
PALO PINTO Entire County 721
PANOLA Entire County 733
PARKER Entire County 460
PARMER Entire County 756
PECOS Entire County 752
POLK Entire County 715
POTTER Entire County 140
PRESIDIO Entire County 751
RAINS Entire County 726
RANDALL Entire County 140
REAGAN Entire County 752
REAL Entire County 743
RED RIVER Entire County 730
REEVES Entire County 751
REFUGIO Entire County 745
ROBERTS Entire County 757
ROBERTSON Entire County 714
ROCKWALL Entire County 450
RUNNELS Entire County 754
RUSK Entire County 440
SABINE Entire County 711
Revised


SAN AUGUSTINE Entire County 733
SAN JACINTO Entire County 710
SAN PATRICIO Entire County 550
SAN SABA Entire County 741
SCHLEICHER Entire County 752
SCURRY Entire County 753
SHACKELFORD 76424 758
SHELBY Entire County 733
SHERMAN Entire County 757
SMITH Entire County 430
SOMERVELL Entire County 723
STARR Entire County 560
STEPHENS Entire County 721
STERLING Entire County 753
STONEWALL Entire County 759
SUTTON Entire County 752
SWISHER Entire County 756
TARRANT 75050 485
TARRANT 75051 522
TARRANT 75052 521
TARRANT 75054 521
TARRANT 75261 498
TARRANT 76001 528
TARRANT 76002 481
TARRANT 76003 483
TARRANT 76004 507
TARRANT 76005 482
TARRANT 76006 482
TARRANT 76007 524
TARRANT 76008 478
TARRANT 76010 524
TARRANT 76011 487
TARRANT 76012 483
TARRANT 76013 489
TARRANT 76014 524
TARRANT 76015 525
TARRANT 76016 483
TARRANT 76017 483
TARRANT 76018 523
TARRANT 76019 507
TARRANT 76020 527
TARRANT 76021 513
TARRANT 76022 489
TARRANT 76028 519
TARRANT 76034 526
TARRANT 76036 531
TARRANT 76039 501
TARRANT 76040 481
TARRANT 76051 508
TARRANT 76052 532
TARRANT 76053 491
TARRANT 76054 513
TARRANT 76060 504
TARRANT 76063 509
TARRANT 76071 506
TARRANT 76092 508
TARRANT 76094 489
TARRANT 76095 513
TARRANT 76096 523
TARRANT 76099 508
TARRANT 76101 499
TARRANT 76102 499
Revised


TARRANT 76103 516
TARRANT 76104 493
TARRANT 76105 495
TARRANT 76106 496
TARRANT 76107 483
TARRANT 76108 514
TARRANT 76109 502
TARRANT 76110 494
TARRANT 76111 487
TARRANT 76112 511
TARRANT 76113 499
TARRANT 76114 486
TARRANT 76115 492
TARRANT 76116 488
TARRANT 76117 500
TARRANT 76118 524
TARRANT 76119 495
TARRANT 76120 482
TARRANT 76121 488
TARRANT 76122 497
TARRANT 76123 484
TARRANT 76124 511
TARRANT 76126 515
TARRANT 76127 534
TARRANT 76129 503
TARRANT 76130 503
TARRANT 76131 518
TARRANT 76132 512
TARRANT 76133 481
TARRANT 76134 488
TARRANT 76135 517
TARRANT 76136 506
TARRANT 76137 504
TARRANT 76140 534
TARRANT 76147 483
TARRANT 76148 501
TARRANT 76150 499
TARRANT 76155 482
TARRANT 76161 496
TARRANT 76162 481
TARRANT 76163 481
TARRANT 76164 496
TARRANT 76166 496
TARRANT 76177 532
TARRANT 76179 506
TARRANT 76180 505
TARRANT 76181 505
TARRANT 76182 505
TARRANT 76185 505
TARRANT 76190 500
TARRANT 76191 496
TARRANT 76192 506
TARRANT 76193 499
TARRANT 76195 493
TARRANT 76196 499
TARRANT 76197 487
TARRANT 76198 499
TARRANT 76199 499
TARRANT 76244 529
TARRANT 76248 529
TARRANT 76262 533
TAYLOR 79508 111
TAYLOR 79519 111
TAYLOR 79530 111
TAYLOR 79536 111
TAYLOR 79541 111
TAYLOR 79561 111
Revised


TAYLOR 79562 111
TAYLOR 79563 110
TAYLOR 79566 111
TAYLOR 79567 111
TAYLOR 79601 110
TAYLOR 79602 110
TAYLOR 79603 110
TAYLOR 79604 110
TAYLOR 79605 110
TAYLOR 79606 110
TAYLOR 79607 110
TAYLOR 79608 110
TAYLOR 79697 110
TAYLOR 79698 110
TAYLOR 79699 110
TERRELL Entire County 752
TERRY Entire County 756
THROCKMORTON Entire County 758
TITUS Entire County 730
TOM GREEN Entire County 160
TRAVIS 73301 562
TRAVIS 73344 562
TRAVIS 78610 549
TRAVIS 78612 595
TRAVIS 78613 544
TRAVIS 78615 557
TRAVIS 78617 545
TRAVIS 78620 541
TRAVIS 78621 546
TRAVIS 78634 537
TRAVIS 78641 563
TRAVIS 78642 563
TRAVIS 78645 566
TRAVIS 78651 539
TRAVIS 78652 581
TRAVIS 78653 591
TRAVIS 78654 536
TRAVIS 78660 588
TRAVIS 78663 541
TRAVIS 78664 544
TRAVIS 78669 547
TRAVIS 78691 588
TRAVIS 78701 567
TRAVIS 78702 586
TRAVIS 78703 587
TRAVIS 78704 568
TRAVIS 78705 558
TRAVIS 78708 554
TRAVIS 78709 565
TRAVIS 78710 576
TRAVIS 78711 558
TRAVIS 78712 574
TRAVIS 78713 558
TRAVIS 78714 567
TRAVIS 78715 579
TRAVIS 78716 589
TRAVIS 78718 554
TRAVIS 78719 582
TRAVIS 78720 539
TRAVIS 78721 594
TRAVIS 78722 592
TRAVIS 78723 578
TRAVIS 78724 559
TRAVIS 78725 582
TRAVIS 78726 575
TRAVIS 78727 539
TRAVIS 78728 552
Revised


TRAVIS 78729 551
TRAVIS 78730 556
TRAVIS 78731 573
TRAVIS 78732 583
TRAVIS 78733 596
TRAVIS 78734 561
TRAVIS 78735 571
TRAVIS 78736 572
TRAVIS 78737 593
TRAVIS 78738 585
TRAVIS 78739 543
TRAVIS 78741 564
TRAVIS 78742 584
TRAVIS 78744 562
TRAVIS 78745 579
TRAVIS 78746 589
TRAVIS 78747 582
TRAVIS 78748 548
TRAVIS 78749 565
TRAVIS 78750 539
TRAVIS 78751 569
TRAVIS 78752 555
TRAVIS 78753 553
TRAVIS 78754 576
TRAVIS 78755 573
TRAVIS 78756 577
TRAVIS 78757 538
TRAVIS 78758 554
TRAVIS 78759 539
TRAVIS 78760 562
TRAVIS 78761 576
TRAVIS 78762 586
TRAVIS 78763 587
TRAVIS 78764 568
TRAVIS 78765 569
TRAVIS 78766 538
TRAVIS 78767 567
TRAVIS 78768 567
TRAVIS 78772 562
TRAVIS 78773 555
TRAVIS 78774 558
TRAVIS 78778 567
TRAVIS 78779 573
TRAVIS 78783 568
TRAVIS 78799 594
TRINITY Entire County 710
TYLER Entire County 711
UPSHUR Entire County 440
UPTON Entire County 752
UVALDE Entire County 748
VAL VERDE Entire County 580
VAN ZANDT Entire County 726
VICTORIA Entire County 540
WALKER Entire County 710
WALLER Entire County 390
WARD Entire County 610
WASHINGTON Entire County 746
WEBB Entire County 120
WHARTON Entire County 749
WHEELER Entire County 757
WICHITA Entire County 200
WILBARGER Entire County 755
WILLACY Entire County 560
WILLIAMSON Entire County 520
WILSON Entire County 747
WINKLER Entire County 610
WISE Entire County 320
Revised


WOOD Entire County 734
YOAKUM Entire County 756
YOUNG Entire County 721
ZAPATA Entire County 560
ZAVALA Entire County 744
Group Rate Factor
Group BI PD MED PIP COMP COLL UM/UIMBI UM/UIMBI CSL UM/UIMPD

No 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Yes 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900
Symbol Factors - Physical Damage
Symbol Model Year (MY) COMP COLL

4 < 1990 0.210 0.420
5 < 1990 0.250 0.520
6 < 1990 0.380 0.620
7 < 1990 0.490 0.700
8 < 1990 0.640 0.800
10 < 1990 0.800 0.880
11 < 1990 0.960 0.970
12 < 1990 1.140 1.070
13 < 1990 1.370 1.180
14 < 1990 1.640 1.320
15 < 1990 1.950 1.480
16 < 1990 2.270 1.650
17 < 1990 2.640 1.800
18 < 1990 3.060 1.940
19 < 1990 3.550 2.110
20 < 1990 4.140 2.320
21 < 1990 5.170 2.710
1 1990 - 2010 0.380 0.620
2 1990 - 2010 0.490 0.700
3 1990 - 2010 0.590 0.770
4 1990 - 2010 0.670 0.820
5 1990 - 2010 0.750 0.860
6 1990 - 2010 0.840 0.900
7 1990 - 2010 0.920 0.950
8 1990 - 2010 1.000 1.000
10 1990 - 2010 1.090 1.050
11 1990 - 2010 1.200 1.100
12 1990 - 2010 1.310 1.150
13 1990 - 2010 1.430 1.210
14 1990 - 2010 1.560 1.280
15 1990 - 2010 1.720 1.370
16 1990 - 2010 1.870 1.440
17 1990 - 2010 2.020 1.520
18 1990 - 2010 2.160 1.600
19 1990 - 2010 2.340 1.680
20 1990 - 2010 2.540 1.760
21 1990 - 2010 2.770 1.840
22 1990 - 2010 3.060 1.940
23 1990 - 2010 3.370 2.050
24 1990 - 2010 3.830 2.210
25 1990 - 2010 4.490 2.460
26 1990 - 2010 5.170 2.710
1 2011+ 0.310 0.440
2 2011+ 0.380 0.550
3 2011+ 0.470 0.670
4 2011+ 0.580 0.770
5 2011+ 0.660 0.820
6 2011+ 0.730 0.850
7 2011+ 0.810 0.880
8 2011+ 0.870 0.920
10 2011+ 0.940 0.960
11 2011+ 1.000 1.000
12 2011+ 1.060 1.030
13 2011+ 1.110 1.060
14 2011+ 1.160 1.080
15 2011+ 1.220 1.110
16 2011+ 1.270 1.130

17 2011+ 1.330 1.160
18 2011+ 1.390 1.190
19 2011+ 1.440 1.220
20 2011+ 1.490 1.240
21 2011+ 1.540 1.270
22 2011+ 1.590 1.300
23 2011+ 1.640 1.330
24 2011+ 1.690 1.350
25 2011+ 1.740 1.380
26 2011+ 1.780 1.400
27 2011+ 1.830 1.420
28 2011+ 1.880 1.450
29 2011+ 1.920 1.470
30 2011+ 1.970 1.500
31 2011+ 2.020 1.520
32 2011+ 2.060 1.540
33 2011+ 2.100 1.570
34 2011+ 2.150 1.590
35 2011+ 2.190 1.610
36 2011+ 2.250 1.640
37 2011+ 2.320 1.670
38 2011+ 2.390 1.700
39 2011+ 2.450 1.720
40 2011+ 2.520 1.750
41 2011+ 2.580 1.770
42 2011+ 2.650 1.800
43 2011+ 2.710 1.820
44 2011+ 2.780 1.840
45 2011+ 2.840 1.860
46 2011+ 2.910 1.860
47 2011+ 2.990 1.920
48 2011+ 3.070 1.940
49 2011+ 3.150 1.970
50 2011+ 3.220 2.000
51 2011+ 3.300 2.030
52 2011+ 3.380 2.050
53 2011+ 3.450 2.080
54 2011+ 3.570 2.120
55 2011+ 3.720 2.170
56 2011+ 3.880 2.230
57 2011+ 4.020 2.280
58 2011+ 4.250 2.370
59 2011+ 4.550 2.480
60 2011+ 4.860 2.590
61 2011+ 5.180 2.730
62 2011+ 5.500 2.890
63 2011+ 5.830 3.040
64 2011+ 6.160 3.200
65 2011+ 6.480 3.350
66 2011+ 6.980 3.580
67 2011+ 7.650 3.900
68 2011+ 8.310 4.220
69 2011+ 8.970 4.540
70 2011+ 9.640 4.850
71 2011+ 10.310 5.160
72 2011+ 10.980 5.470
73 2011+ 11.650 5.780
74 2011+ 12.320 6.090
75 2011+ 12.990 6.400
Each Add'l $10k * < 1990 0.670 0.310

Each Add'l $10k * 1990 - 2010 0.670 0.310
Each Add'l $10k ** 2011+ 0.670 0.310
Notes:
1. Additive Factors are applied to symbol 21 relativity for MY < 1990,
symbol 26 relativity for MY 1990 - 2010, and
symbol 70 relativity for MY 2011+
(*) For each $10,000 or fraction of $10,000 above $80,000
(**) For each $10,000 or fraction of $10,000 above $150,000
Vehicle Age Factor
Vehicle Age BI PD MED PIP COMP COLL

0 0.880 0.880 0.789 0.789 0.839 0.768
1 0.886 0.886 0.811 0.811 0.899 0.797
2 0.901 0.901 0.843 0.843 0.925 0.817
3 0.919 0.919 0.878 0.878 0.939 0.833
4 0.938 0.938 0.910 0.910 0.926 0.845
5 0.957 0.957 0.941 0.941 0.904 0.853
6 0.946 0.946 0.926 0.926 0.880 0.817
7 0.936 0.936 0.911 0.911 0.853 0.773
8 0.925 0.925 0.895 0.895 0.818 0.729
9 0.915 0.915 0.881 0.881 0.784 0.686
10 0.904 0.904 0.865 0.865 0.749 0.643
11 0.893 0.893 0.849 0.849 0.713 0.599
12 0.883 0.883 0.835 0.835 0.679 0.556
13 0.873 0.873 0.819 0.819 0.647 0.513
14 0.863 0.863 0.804 0.804 0.626 0.481
15 0.852 0.852 0.789 0.789 0.604 0.449
16 0.842 0.842 0.773 0.773 0.584 0.416
17 0.831 0.831 0.759 0.759 0.561 0.384
18 0.820 0.820 0.739 0.739 0.540 0.352
19 0.810 0.810 0.718 0.718 0.519 0.319
20 0.799 0.799 0.713 0.713 0.497 0.287
21 0.789 0.789 0.697 0.697 0.476 0.255
22 0.778 0.778 0.682 0.682 0.454 0.243
23 0.778 0.778 0.682 0.682 0.454 0.243
>= 24 0.778 0.778 0.682 0.682 0.454 0.243
Increased Limits Factor - BI
Limit Non-CSL CSL

30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.480 N/A
250,000 / 500,000 1.610 N/A
300,000 / 300,000 1.540 1.540
325,000 / 325,000 1.560 1.560
300,000 / 500,000 1.630 N/A
500,000 / 500,000 1.680 1.680
500,000 / 1,000,000 1.780 N/A
1,000,000 / 1,000,000 2.020 2.020
Increased Limits Factor - PD
Limit Non-CSL CSL

25,000 1.000 N/A
50,000 1.040 N/A
100,000 1.090 N/A
300,000 1.190 1.071
325,000 1.195 1.076
500,000 1.220 1.098
1,000,000 1.290 1.161
Increased Limits Factor - MED
Limit Factor
No Coverage 0.000
1,000 1.000
2,000 1.740
5,000 2.560
10,000 3.260
25,000 4.210
50,000 4.740
Increased Limits Factor - PIP
Limit Factor
No Coverage 0.000
2,500 0.540
5,000 0.690
10,000 1.000
25,000 1.490
50,000 1.670
Increased Limits Factor - UMBI / UIMBI
Limit UM/UIMBI UM/UIMBI CSL

No Coverage 0.000 0.000
30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.670 N/A
250,000 / 500,000 2.100 N/A
300,000 / 300,000 1.770 1.310
325,000 / 325,000 1.810 1.360
300,000 / 500,000 2.120 N/A
500,000 / 500,000 2.270 1.680
500,000 / 1,000,000 2.380 N/A
1,000,000 / 1,000,000 2.590 1.920
Increased Limits Factor - UMPD / UIMPD
Limit UM/UIMPD
No Coverage 0.000
25,000 1.000
50,000 1.230
100,000 1.360
300,000 1.880
325,000 1.950
500,000 2.400
1,000,000 3.700
Comprehensive Deductible Factor
Deductible Factor
No Coverage 0.000
500 0.920
1,000 0.800
2,500 0.620
5,000 0.490
10,000 0.380
Collision Deductible Factor
Deductible Factor
No Coverage 0.000
500 1.000
1,000 0.890
2,500 0.700
5,000 0.520
10,000 0.320
Revised

Vehicle Use Factors
Usage Factor
Farm 0.900
Business 1.250
Pleasure/Work - Primary Vehicle 1.000
Pleasure/Work - Excess Vehicle 0.950
Class Factors
Good Student
Gender Age Marital Status Operator Status Discount BI PD MED PIP COMP COLL
Female 16 Married Primary No 1.920 1.920 1.910 1.910 1.280 1.920
Female 16 Married Primary Yes 1.510 1.510 1.400 1.400 0.990 1.550
Female 16 Single Occasional No 2.390 2.390 1.970 1.970 1.100 2.400
Female 16 Single Occasional Yes 1.940 1.940 1.580 1.580 0.950 1.950
Female 16 Single Primary No 3.060 3.060 2.370 2.370 1.260 3.060
Female 16 Single Primary Yes 2.480 2.480 1.900 1.900 1.010 2.490
Class Factors
Good Student
Class Factors
Good Student
Male 16 Married Primary No 2.910 2.910 2.360 2.360 1.740 2.910
Male 16 Married Primary Yes 2.280 2.280 1.720 1.720 1.340 2.350
Male 16 Single Occasional No 3.140 3.140 1.990 1.990 1.810 3.150
Male 16 Single Occasional Yes 2.480 2.480 1.540 1.540 1.470 2.500
Male 16 Single Primary No 4.020 4.020 2.400 2.400 2.100 4.020
Male 16 Single Primary Yes 3.180 3.180 1.860 1.860 1.710 3.200
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Revised

Violation Surcharges
Months Since
Points Last Incident Additive Factor
0 0 – 12 0.000
1 0 – 12 0.310
2 0 – 12 0.620
3 0 – 12 0.930
4 0 – 12 1.240
5 0 – 12 1.560
6 0 – 12 1.860
7 0 – 12 2.160
8 0 – 12 2.460
9 0 – 12 2.760
10 0 – 12 3.050
11 0 – 12 3.350
0 13 – 24 0.000
1 13 – 24 0.200
2 13 – 24 0.400
3 13 – 24 0.600
4 13 – 24 0.800
5 13 – 24 1.000
6 13 – 24 1.370
7 13 – 24 1.740
8 13 – 24 2.110
9 13 – 24 2.480
10 13 – 24 2.840
11 13 – 24 3.120
0 25 – 35 0.000
1 25 – 35 0.180
2 25 – 35 0.360
3 25 – 35 0.540
4 25 – 35 0.720
5 25 – 35 0.900
6 25 – 35 1.250
7 25 – 35 1.600
8 25 – 35 1.950
9 25 – 35 2.300
10 25 – 35 2.630
11 25 – 35 2.900
Any 36+ 0.000
Each Add'l Pt 0 – 12 +0.300

Each Add'l Pt 13 – 24 +0.280
Each Add'l Pt 25 – 35 +0.270
Accident Surcharge
Number of
Chargeable Months Since Additive
Accidents Last Incident Factor
0 0 – 12 0.000
1 0 – 12 0.580
2 0 – 12 1.350
3 0 – 12 2.450
4 0 – 12 3.740
0 13 – 24 0.000
1 13 – 24 0.490
2 13 – 24 1.230
3 13 – 24 2.280
4 13 – 24 3.510
0 25 – 35 0.000
1 25 – 35 0.410
2 25 – 35 1.110
3 25 – 35 2.100
4 25 – 35 3.270
0 36+ 0.000
Each Add'l Accident 0 – 12 +1.290

Accident Free Factor

No 1.000
Yes 0.870
Unverifiable Driver Record Factor

No 1.000
Yes 1.400
Financial Responsibility Factor
Years with
Financial Tesla
Responsibility Insurance UM / UM/UIMBI UM /
Class Srvcs BI PD MED PIP COMP COLL UIMBI CSL UIMPD
1 - 0.630 0.630 0.370 0.370 0.490 0.540 0.370 0.370 0.540
2 - 0.680 0.680 0.420 0.420 0.520 0.590 0.420 0.420 0.590
3 - 0.710 0.710 0.480 0.480 0.550 0.620 0.480 0.480 0.620
4 - 0.760 0.760 0.530 0.530 0.580 0.660 0.530 0.530 0.660
5 - 0.790 0.790 0.590 0.590 0.600 0.710 0.590 0.590 0.710
6 - 0.820 0.820 0.640 0.640 0.630 0.740 0.640 0.640 0.740
7 - 0.850 0.850 0.680 0.680 0.660 0.770 0.680 0.680 0.770
8 - 0.910 0.910 0.740 0.740 0.710 0.820 0.740 0.740 0.820
9 - 0.930 0.930 0.780 0.780 0.740 0.850 0.780 0.780 0.850
10 - 0.950 0.950 0.810 0.810 0.790 0.870 0.810 0.810 0.870
11 - 0.970 0.970 0.860 0.860 0.840 0.900 0.860 0.860 0.900
12 - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Order - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Score <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No Score 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No Score 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680
No-Hit <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No-Hit 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No-Hit 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680
Number of Vehicles Number of Drivers Youth BI PD MED PIP COMP COLL

1 1 N 1.010 1.010 0.980 0.980 0.930 1.000
1 1 Y 1.030 1.030 0.940 0.940 1.090 1.130
1 2 N 1.070 1.070 1.190 1.190 0.960 1.060
1 2 Y 1.190 1.190 1.170 1.170 1.140 1.260
1 3 N 1.070 1.070 1.200 1.200 0.960 1.060
1 3 Y 1.150 1.150 1.110 1.110 1.130 1.260
1 4 N 1.070 1.070 1.220 1.220 0.960 1.060
1 4 Y 1.150 1.150 1.120 1.120 1.130 1.260
2 1 N 0.930 0.930 0.910 0.910 1.100 0.800
2 1 Y 1.010 1.010 0.940 0.940 1.240 1.000
2 2 N 1.000 1.000 1.000 1.000 1.000 1.000
2 2 Y 1.120 1.120 0.970 0.970 1.140 1.160
2 3 N 1.070 1.070 1.220 1.220 1.020 1.060
2 3 Y 1.150 1.150 1.140 1.140 1.150 1.260
2 4 N 1.070 1.070 1.230 1.230 1.020 1.060
2 4 Y 1.150 1.150 1.150 1.150 1.150 1.260
3 1 N 0.910 0.910 0.890 0.890 1.120 0.800
3 1 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 2 N 0.910 0.910 0.900 0.900 1.120 0.800
3 2 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 3 N 0.990 0.990 1.050 1.050 1.030 1.000
3 3 Y 1.080 1.080 1.010 1.010 1.140 1.160
3 4 N 1.060 1.060 1.220 1.220 1.050 1.060
3 4 Y 1.140 1.140 1.130 1.130 1.160 1.260
4 1 N 0.910 0.910 0.890 0.890 1.120 0.800
4 1 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 2 N 0.910 0.910 0.900 0.900 1.120 0.800
4 2 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 3 N 0.910 0.910 0.980 0.980 1.120 0.800
4 3 Y 0.990 0.990 0.920 0.920 1.230 1.000
4 4 N 0.990 0.990 1.060 1.060 1.030 1.000
4 4 Y 1.070 1.070 1.020 1.020 1.140 1.160
More than 4 is the same factor as 4.

Revised

Passive Restraint Discount Factors
Restraint Type
Code Restraint Type Description Discount
A Active (Manual) Belts 0.700
B Driver Front Air Bag/Passenger Unknown 0.800
C Dual Front Air Bag/Belt System Unknown 0.700
D Driver Front Air Bag/Passenger Passive Belt 0.700
E Dual Front Air Bag/Active Belts 0.700
F Dual Front Air Bag/Passive Belts 0.700
G Dual Air Bags Front and Sides/Belts Unknown 0.700
H Dual Air Bags Front Head and Sides/Belts Unknown 0.700
I Dual Air Bags Front Head and Sides/Passive Belts 0.700
J Dual Air Bags Front and Sides/Passive Belts 0.700
K Dual Air Bags Front and Sides/Active Belts 0.700
L Dual Air Bags Front Head and Sides/Active Belts 0.700
M Driver Front Air Bag/Passenger Active Belts 0.700
P Passive Belts (Automatic) 0.700
R Du Ar Bgs Frnt/Sd/Actv Blts w/Ato Pass Snsr 0.700
S Du Ar Bgs Frnt Hd and Sd/Act Blts/ w/Ato Pss Snsr 0.700
T Du Ar Bgs Frnt/Act Blts/Rear Pass Side Air Bag 0.700
V Du Ar Bgs Frnt Hd Sd/Act Belts/Du Rr Sd Ar Bgs 0.700
W Du Ar Bgs FrntHdSd/ActBlts/AtoPassSnsr/RrDuSdArBgs 0.700
X Du Ar Bgs Fr/Sd Ar Bg Dvr Sd Only/Act Belts 0.700
3 Dual Frnt and Hd Ar Bgs/Passenger Snsr/Act Belts 0.700
4 Dual Frnt Ar Bgs/Passenger Sensor/Active Belts 0.700
7 Du Frnt/Sd/Hd Air Bgs/Rr Hd Ar Bgs/Act Belts 0.700
Z Du Ar Bgs Frnt/Act Blts/Pass Deactivate/cutoff 0.700
U Unknown 1.000
Y Du Frnt / Sid Ar Bgs/Passenger Deactivation Switch 0.700
Revised
Safety Tier Factor
Level BI PD MED PIP COMP COLL

Safety Tier 10 0.270 0.270 0.270 0.270 0.270 0.270
Safety Tier 9 0.310 0.310 0.310 0.310 0.310 0.310
Safety Tier 8 0.350 0.350 0.350 0.350 0.350 0.350
Safety Tier 7 0.370 0.370 0.370 0.370 0.370 0.370
Safety Tier 6 0.400 0.400 0.400 0.400 0.400 0.400
Safety Tier 5 0.480 0.480 0.480 0.480 0.480 0.480
Safety Tier 4 0.550 0.550 0.550 0.550 0.550 0.550
Safety Tier 3 0.690 0.690 0.690 0.690 0.690 0.690
Safety Tier 2 0.820 0.820 0.820 0.820 0.820 0.820
Safety Tier 1 1.000 1.000 1.000 1.000 1.000 1.000
Opt Out 1.000 1.000 1.000 1.000 1.000 1.000
Unconnected Car 0.524 0.524 0.524 0.524 0.524 0.524
Matrix Factor
Financial Multi-Car
Responsibility Class Discount BI PD MED PIP COMP COLL
1 No 0.930 0.930 0.890 0.890 0.900 0.920
1 Yes 0.800 0.800 0.800 0.800 0.790 0.810
2 No 0.930 0.930 0.890 0.890 0.900 0.920
2 Yes 0.800 0.800 0.800 0.800 0.790 0.810
3 No 0.930 0.930 0.890 0.890 0.900 0.920
3 Yes 0.800 0.800 0.800 0.800 0.790 0.810
4 No 0.930 0.930 0.890 0.890 0.900 0.920
4 Yes 0.800 0.800 0.800 0.800 0.790 0.810
5 No 0.930 0.930 0.890 0.890 0.900 0.920
5 Yes 0.800 0.800 0.800 0.800 0.790 0.810
6 No 0.930 0.930 0.890 0.890 0.900 0.920
6 Yes 0.800 0.800 0.800 0.800 0.790 0.810
7 No 0.930 0.930 0.890 0.890 0.900 0.920
7 Yes 0.800 0.800 0.800 0.800 0.790 0.810
8 No 0.930 0.930 0.890 0.890 0.900 0.920
8 Yes 0.800 0.800 0.800 0.800 0.790 0.810
9 No 0.930 0.930 0.890 0.890 0.900 0.920
9 Yes 0.800 0.800 0.800 0.800 0.790 0.810
10 No 0.930 0.930 0.890 0.890 0.900 0.920
10 Yes 0.800 0.800 0.800 0.800 0.790 0.810
11 No 0.930 0.930 0.890 0.890 0.900 0.920
11 Yes 0.800 0.800 0.800 0.800 0.790 0.810
12 No 0.930 0.930 0.890 0.890 0.900 0.920
12 Yes 0.800 0.800 0.800 0.800 0.790 0.810
NO No 0.930 0.930 0.890 0.890 0.900 0.920
NO Yes 0.800 0.800 0.800 0.800 0.790 0.810
NS No 0.930 0.930 0.890 0.890 0.900 0.920
NS Yes 0.800 0.800 0.800 0.800 0.790 0.810
NH No 0.930 0.930 0.890 0.890 0.900 0.920
NH Yes 0.800 0.800 0.800 0.800 0.790 0.810
Companion Discount
Companion Factor
Yes 0.955
No 1.000
Coverage Expenses
BI PD MED PIP COMP COLL

Expense $6.17 $6.33 $0.98 $1.63 $5.57 $12.58
Coverage Fee
Crime Fee $2.00
Miscellaneous Coverage
Auto Loan/Lease Gap

Coverage Factor
Yes 0.050
No 0.000
Roadside Assistance
Package Base
Basic 11
Plus 21
Rental Reimbursement Per

Limit Vehicle
In-Network 32
$30/$900 35
40/1,200 46
50/1,500 56
60/1,800 65
75/2,250 75
125/2,500 105
250/5,000 180
500/7,500 269

Premium 20 per semi-annual policy
Rating Algorithm
UM/UIMBI UM/UIMP Rental

Step Rate Order of Calculation BI PD MED PIP COMP COLL UM/UIMBI CSL D Roadside Reimbursement GAP - COMP GAP - COLL
1 Base Rate

Notes:
3. If optional GAP coverage selected, GAP base rate = collision or comprehensive base rate x 0.05 factor from miscellaneous coverage page.
Policy Level

Find this based on insurance score used and then find the factor based on the financial responsibility class, years
6 Financial Responsibility Factor x with Tesla Insurance Srvcs, and coverage type.
Revised


Base Rate 326.83 367.15 59.20 294.29 296.25 599.43 43.95 70.52 13.67
Territory Factors

1 0.174 1.561 0.835 0.812 0.549 1.135 0.813 0.828 1.559
2 0.174 1.298 0.913 0.877 0.540 1.103 0.826 0.846 1.546
3 0.728 1.167 0.896 0.811 0.554 1.040 0.783 0.798 1.570
4 0.954 1.350 0.963 0.985 0.555 1.225 0.945 0.966 1.570
5 0.731 1.151 0.877 0.811 0.562 1.044 0.783 0.799 1.381
6 0.790 1.233 0.862 0.840 0.552 1.136 0.771 0.784 1.550
7 0.704 1.146 0.872 0.850 0.507 0.997 0.746 0.762 1.394
8 0.693 1.246 0.862 0.846 0.525 1.054 0.758 0.773 1.394
9 0.860 1.324 0.931 0.863 0.590 1.188 0.879 0.901 1.540
11 0.731 1.217 0.827 0.802 0.508 1.011 0.779 0.801 1.606
12 0.796 1.180 0.899 0.811 0.550 1.096 0.856 0.874 1.570
14 0.842 1.303 0.931 0.893 0.557 1.204 0.912 0.930 1.788
15 0.964 1.331 1.037 1.026 0.616 1.108 0.979 0.996 1.546
16 0.818 1.314 0.926 0.925 0.554 1.121 0.860 0.880 1.421
18 0.949 1.238 1.032 0.988 0.604 1.055 1.089 1.091 1.156
19 1.038 1.326 1.064 0.953 0.685 1.233 0.969 0.977 1.358
20 1.059 1.329 1.077 0.997 0.714 1.132 0.969 0.975 1.199
24 0.993 1.259 1.045 1.032 0.537 0.938 0.999 1.002 1.106
25 1.044 1.336 1.106 1.105 0.600 1.030 1.111 1.115 1.043
26 0.981 1.299 1.037 1.035 0.565 1.175 1.032 1.038 1.189
27 1.008 1.298 1.069 1.094 0.546 1.027 1.008 1.012 1.209
28 0.953 1.261 1.027 0.952 0.513 1.045 1.013 1.020 1.202
29 0.995 1.280 1.141 1.056 0.552 0.995 1.032 1.033 1.311
31 0.967 1.342 1.050 1.088 0.553 1.076 1.017 1.018 1.083
34 1.033 1.299 1.069 1.054 0.713 1.001 1.048 1.051 1.311
35 0.995 1.132 1.077 0.978 0.668 0.931 0.980 0.979 1.202
36 0.934 1.169 0.971 0.953 0.526 0.990 0.971 0.974 1.245
37 1.173 1.229 1.200 1.192 0.666 1.226 1.114 1.120 1.248
38 1.003 1.135 1.077 1.003 0.583 0.972 1.042 1.047 1.099
39 1.163 1.255 1.127 1.146 0.674 1.351 1.122 1.130 1.298
44 0.971 1.053 1.123 1.079 0.582 0.976 1.038 1.041 1.145
45 1.091 1.081 1.181 1.116 0.593 1.065 1.106 1.109 1.172
46 1.124 1.261 1.151 1.136 0.725 1.069 1.094 1.095 1.265
47 1.030 1.203 1.077 0.946 0.626 0.978 1.048 1.051 1.311
48 1.154 1.167 1.114 1.043 0.780 1.112 1.207 1.207 1.175
49 0.972 1.191 1.018 0.981 0.534 1.008 0.996 1.000 1.272
51 0.970 1.191 0.990 0.959 0.524 0.983 0.982 0.986 1.238
52 1.042 1.148 1.069 1.005 0.654 0.989 1.032 1.036 1.199
53 1.111 1.402 1.181 1.171 0.543 1.038 1.124 1.125 1.218
54 1.108 1.367 1.106 1.069 0.544 0.998 1.119 1.120 1.202
55 1.044 1.288 1.077 1.045 0.625 1.130 1.098 1.101 1.248
56 1.084 1.373 1.181 1.057 0.577 1.134 1.175 1.177 1.228
57 1.072 1.306 1.099 1.016 0.551 1.004 1.076 1.077 1.175
58 1.088 1.351 1.141 0.991 0.684 0.998 1.083 1.084 1.291
59 1.051 1.226 1.141 1.039 0.687 0.999 1.113 1.116 1.212
60 1.571 1.726 1.319 1.646 0.666 1.621 1.259 1.262 1.401
61 1.128 1.322 1.188 1.148 0.597 1.178 1.208 1.211 1.228
62 1.061 1.243 1.181 1.118 0.595 1.033 1.080 1.079 1.175
63 1.136 1.139 1.218 1.088 0.558 0.998 1.101 1.102 1.109
64 1.285 1.229 1.213 1.178 0.736 1.092 1.106 1.108 1.175
65 1.179 1.194 1.127 0.993 0.663 1.101 1.087 1.089 1.272
66 0.981 1.333 1.053 0.998 0.568 1.051 1.034 1.038 1.285
67 1.210 1.349 1.192 1.101 0.730 1.275 1.217 1.218 1.301
Territory Factors

68 1.088 1.254 1.242 1.106 0.608 1.157 1.168 1.171 1.301
69 1.004 1.294 1.050 0.989 0.528 0.910 1.045 1.051 1.126
70 1.547 1.491 1.465 1.327 0.776 1.472 1.269 1.274 1.209
71 1.598 1.645 1.497 1.291 0.752 1.389 1.289 1.295 1.225
72 1.115 1.492 1.131 1.079 0.763 1.186 1.114 1.119 1.145
73 0.895 1.164 0.926 0.894 0.519 1.039 0.958 0.962 1.182
74 0.897 1.030 1.013 1.092 0.523 0.912 0.989 0.990 1.099
75 0.954 1.114 1.008 0.977 0.599 0.987 1.035 1.038 1.056
76 1.024 1.204 1.173 1.099 0.750 1.062 1.104 1.107 1.238
77 1.038 1.129 1.151 1.050 0.736 1.057 1.087 1.089 1.311
78 1.012 1.211 1.027 1.023 0.590 1.092 1.124 1.126 1.265
79 0.926 1.186 0.990 0.962 0.524 0.964 1.051 1.055 1.069
80 1.103 1.384 1.106 1.042 0.730 1.219 1.072 1.073 1.175
81 1.219 1.320 1.181 1.049 0.743 1.122 1.106 1.110 1.275
82 1.012 1.106 1.040 0.979 0.679 0.945 1.054 1.057 1.228
83 0.987 1.206 1.064 1.015 0.643 0.983 1.051 1.055 1.209
84 1.095 1.301 1.095 0.956 0.732 1.179 1.058 1.063 1.145
85 1.017 1.357 0.986 0.956 0.565 0.972 1.085 1.089 1.189
86 1.119 1.497 1.114 1.062 0.719 1.281 1.124 1.125 1.272
87 1.163 1.318 1.296 1.124 0.672 1.177 1.068 1.070 1.321
88 1.223 1.240 1.196 1.054 0.634 1.145 1.111 1.111 1.291
89 1.002 1.140 1.064 1.003 0.556 0.981 1.032 1.034 1.145
90 1.185 1.320 1.274 1.148 0.733 1.145 1.144 1.144 1.291
91 1.246 1.289 1.205 1.069 0.727 1.224 1.120 1.120 1.301
92 1.053 1.104 1.095 1.040 0.605 0.936 1.045 1.051 1.056
93 1.049 1.309 1.099 1.019 0.565 1.117 1.101 1.103 1.225
94 0.985 1.193 0.995 1.002 0.551 1.108 1.061 1.063 1.275
95 1.098 1.388 1.131 1.144 0.565 1.045 1.083 1.086 1.175
96 0.971 1.207 1.141 1.114 0.673 1.118 1.055 1.056 1.354
97 1.023 1.299 1.000 0.952 0.597 1.020 1.017 1.020 1.166
98 0.947 1.221 0.954 0.905 0.492 0.949 1.013 1.015 1.106
99 1.094 1.310 1.114 1.164 0.553 1.079 1.168 1.166 1.520
100 1.051 1.339 1.095 1.021 0.577 0.973 1.074 1.079 1.162
101 0.989 1.241 1.000 0.962 0.502 1.016 1.029 1.033 1.156
102 1.253 1.413 1.196 1.191 0.718 1.354 1.192 1.194 1.225
104 1.026 1.533 0.954 0.962 0.505 1.246 0.919 0.937 1.917
105 0.957 1.622 0.921 0.910 0.441 1.178 0.827 0.844 2.205
106 0.960 1.514 1.000 0.923 0.492 1.213 0.879 0.895 2.073
107 1.003 1.529 0.946 0.980 0.502 1.183 0.894 0.915 1.930
108 0.915 1.480 0.958 0.970 0.457 1.180 0.889 0.911 2.013
109 1.002 1.540 0.986 0.966 0.474 1.218 0.918 0.943 1.980
110 0.692 1.250 0.885 0.838 0.866 1.089 0.752 0.769 1.007
111 0.785 1.273 0.954 0.879 0.865 1.035 0.847 0.868 0.901
113 0.930 1.527 0.954 1.069 0.524 1.169 0.798 0.815 1.944
114 0.816 1.460 0.830 0.834 0.449 1.049 0.733 0.746 1.546
116 0.871 1.490 0.954 0.905 0.451 1.065 0.798 0.819 2.136
117 0.887 1.580 0.986 0.919 0.466 1.194 0.826 0.847 1.778
118 0.904 1.626 0.966 0.973 0.502 1.206 0.808 0.823 1.559
119 0.879 1.495 0.848 0.906 0.442 1.180 0.766 0.781 2.023
120 1.282 1.213 1.309 0.974 1.581 1.356 1.144 1.147 1.126
121 0.934 1.559 0.931 0.907 0.450 1.078 0.781 0.799 2.060
122 0.980 1.629 1.072 0.971 0.455 1.213 0.851 0.872 2.060
123 1.067 1.555 1.022 1.032 0.453 1.233 0.869 0.889 2.520
Territory Factors

124 1.037 1.572 1.013 0.960 0.501 1.261 0.961 0.980 2.079
125 1.030 1.358 0.817 0.838 0.405 1.121 0.818 0.832 2.503
127 0.972 1.543 1.003 0.958 0.467 1.183 0.824 0.837 2.692
128 0.917 1.402 0.990 0.959 0.469 1.156 0.849 0.869 2.301
129 0.978 1.280 0.963 0.884 0.468 1.059 0.839 0.858 2.050
130 0.934 1.187 1.099 1.060 0.654 1.204 0.898 0.916 1.619
132 1.123 1.564 1.072 1.153 0.629 1.335 1.026 1.031 1.741
133 1.127 1.565 1.082 1.069 0.603 1.282 0.927 0.931 1.732
134 1.141 1.647 1.114 1.140 0.679 1.339 1.052 1.054 1.811
135 1.391 1.642 1.324 1.716 0.845 1.449 1.246 1.248 1.381
136 1.055 1.508 1.210 1.181 0.606 1.316 1.052 1.056 1.844
137 1.277 1.668 1.337 1.418 0.746 1.404 1.076 1.077 1.546
138 1.543 1.921 1.546 1.741 0.832 1.595 1.306 1.311 1.513
139 1.619 1.880 1.465 1.863 0.839 1.636 1.367 1.375 1.513
140 0.954 1.524 0.963 0.918 1.575 1.318 1.308 1.334 2.301
141 1.249 1.584 1.250 1.347 0.739 1.346 1.091 1.092 1.540
142 1.430 1.876 1.391 1.564 0.814 1.492 1.135 1.134 1.483
143 1.522 2.008 1.470 1.693 0.876 1.619 1.286 1.290 1.500
144 1.375 1.849 1.410 1.744 1.011 1.496 1.253 1.256 1.421
145 1.428 1.735 1.386 1.532 0.975 1.716 1.306 1.309 1.457
146 1.069 1.480 1.138 1.257 0.809 1.246 0.929 0.931 1.220
147 1.516 1.794 1.542 2.029 1.085 1.589 1.319 1.325 1.493
148 1.460 1.781 1.521 2.017 1.176 1.518 1.192 1.197 1.440
149 1.183 1.655 1.274 1.127 0.651 1.386 1.155 1.158 1.675
150 1.140 1.624 1.114 1.120 0.684 1.476 1.072 1.075 1.851
151 1.629 2.274 1.607 1.788 0.819 1.639 1.348 1.351 1.642
152 1.194 1.633 1.151 1.127 0.650 1.334 1.093 1.097 1.894
153 1.315 1.804 1.319 1.379 0.778 1.544 1.174 1.177 1.500
154 1.591 1.876 1.442 1.717 0.822 1.732 1.347 1.349 1.477
155 1.507 1.931 1.506 1.824 0.998 1.601 1.318 1.324 1.530
156 1.380 1.589 1.287 1.431 0.731 1.492 1.156 1.162 1.404
157 1.417 1.704 1.575 1.908 0.894 1.556 1.309 1.312 1.473
158 1.252 1.672 1.250 1.561 0.850 1.536 1.132 1.136 1.437
159 1.235 1.809 1.373 1.363 0.726 1.425 1.104 1.108 1.570
160 0.703 1.013 0.971 0.844 1.170 0.967 0.966 0.985 1.795
161 1.027 1.511 1.205 1.238 0.698 1.351 1.109 1.112 2.026
162 1.609 2.034 1.675 1.994 0.859 1.697 1.334 1.340 1.510
163 1.215 1.814 1.176 1.201 0.657 1.533 1.127 1.130 1.603
164 1.080 1.591 1.141 1.121 0.595 1.331 1.100 1.102 1.639
165 1.210 1.865 1.324 1.347 0.648 1.453 1.119 1.122 1.702
166 1.084 1.690 1.072 1.099 0.636 1.425 1.078 1.081 1.821
167 1.554 2.049 1.633 1.943 0.741 1.581 1.345 1.350 1.450
168 1.515 1.879 1.391 1.359 0.736 1.518 1.282 1.290 1.450
169 1.393 1.822 1.287 1.367 0.741 1.369 1.111 1.116 1.520
170 1.323 1.887 1.447 1.770 0.906 1.445 1.208 1.213 1.308
171 1.098 1.574 1.213 1.147 0.664 1.381 1.089 1.093 1.715
172 1.161 1.689 1.123 1.094 0.684 1.238 1.100 1.102 1.401
173 1.056 1.517 1.064 1.044 0.663 1.337 1.046 1.047 2.073
174 1.199 1.705 1.309 1.288 0.766 1.396 1.117 1.119 1.665
175 1.275 1.997 1.205 1.509 0.738 1.562 1.124 1.128 1.447
176 1.180 1.650 1.176 1.284 0.627 1.419 1.101 1.104 1.483
177 1.094 1.548 1.077 1.059 0.624 1.272 1.022 1.028 1.712
178 1.234 1.594 1.304 1.260 0.707 1.299 1.168 1.170 1.592
Territory Factors

180 1.087 1.619 1.196 1.194 0.676 1.353 1.076 1.081 1.685
181 1.124 1.643 0.997 1.201 0.767 1.280 0.894 0.896 1.154
182 1.321 1.917 1.263 1.411 0.675 1.388 1.109 1.112 1.473
183 1.039 1.603 1.229 1.188 0.630 1.283 1.107 1.109 1.712
184 1.053 1.578 1.064 1.133 0.606 1.294 1.048 1.051 1.775
185 1.304 1.589 1.324 1.278 0.727 1.472 1.208 1.213 1.881
186 1.592 1.786 1.720 1.973 0.869 1.539 1.315 1.321 1.632
187 1.604 1.951 1.521 1.773 0.909 1.686 1.373 1.378 1.450
188 1.373 1.626 1.420 1.436 0.907 1.387 1.174 1.177 1.440
189 1.712 1.854 2.016 2.288 1.267 1.611 1.467 1.474 1.513
190 1.528 1.756 1.675 1.985 1.075 1.655 1.396 1.403 1.659
191 1.593 1.698 1.917 2.188 1.215 1.575 1.455 1.460 1.483
192 1.459 1.687 1.612 1.838 1.029 1.605 1.365 1.369 1.632
193 1.269 1.582 1.452 1.406 0.679 1.365 1.127 1.132 1.632
194 1.248 1.547 1.210 1.158 0.607 1.351 1.127 1.131 1.732
195 1.245 1.666 1.245 1.132 0.657 1.370 1.085 1.091 1.841
196 1.462 1.816 1.361 1.439 0.707 1.537 1.234 1.239 1.679
197 1.297 1.687 1.242 1.241 0.733 1.374 1.146 1.150 1.559
198 1.383 1.929 1.502 1.493 0.820 1.509 1.260 1.264 1.702
199 1.318 1.599 1.285 1.402 0.763 1.230 0.969 0.973 1.164
200 0.945 1.384 0.859 0.838 0.937 1.269 1.436 1.468 2.109
201 1.335 1.862 1.373 1.405 0.752 1.411 1.175 1.181 1.576
202 1.588 1.836 1.657 1.875 1.060 1.512 1.269 1.272 1.483
203 1.623 1.996 1.647 1.953 0.955 1.572 1.217 1.223 1.381
204 1.115 1.636 1.087 1.121 0.567 1.203 1.096 1.101 1.669
205 1.197 1.721 1.159 1.159 0.663 1.358 1.072 1.079 1.592
206 1.140 1.631 1.210 1.172 0.611 1.391 1.059 1.061 1.738
207 1.159 1.661 1.255 1.142 0.737 1.417 1.144 1.150 1.692
208 1.308 1.773 1.442 1.716 0.980 1.539 1.136 1.140 1.493
209 1.298 1.696 1.268 1.416 0.808 1.567 1.272 1.278 1.659
210 1.496 1.761 1.452 1.475 0.654 1.525 1.518 1.521 1.669
212 0.806 1.241 1.003 0.981 0.453 1.143 0.895 0.914 1.301
213 0.912 1.629 0.598 1.026 0.443 1.107 0.571 0.582 1.311
214 0.981 1.626 1.013 0.987 0.433 1.025 0.851 0.868 1.394
215 0.822 1.111 0.958 0.752 0.469 0.985 0.759 0.777 1.344
216 0.665 1.116 1.022 0.765 0.431 1.171 0.831 0.848 1.401
217 0.899 1.088 0.941 0.750 0.401 0.816 0.781 0.798 1.010
218 0.943 1.457 0.667 0.609 0.503 1.115 0.538 0.549 1.477
219 0.704 1.218 0.724 0.686 0.420 0.759 0.593 0.604 1.046
220 1.654 2.029 1.492 1.646 0.866 1.576 1.187 1.189 0.891
221 0.774 1.107 0.934 0.680 0.433 0.765 0.676 0.691 1.079
222 0.994 1.469 0.530 0.548 0.423 1.016 0.501 0.509 1.381
223 0.714 1.126 0.913 0.917 0.482 0.912 0.840 0.858 1.301
224 0.882 1.528 0.526 0.724 0.460 0.999 0.485 0.493 1.261
225 0.948 1.626 0.689 0.712 0.352 1.163 0.589 0.600 1.570
226 0.729 1.275 0.822 0.832 0.440 0.942 0.761 0.779 1.142
227 0.562 1.491 0.654 0.604 0.343 1.133 0.739 0.757 1.381
228 0.858 1.215 1.000 0.763 0.461 0.878 0.800 0.816 1.265
229 0.599 1.210 0.885 0.906 0.440 0.792 0.868 0.885 1.245
232 0.700 1.114 1.040 1.020 0.457 1.056 0.831 0.853 1.427
234 0.870 1.532 1.013 0.959 0.505 1.092 0.827 0.844 1.421
235 0.862 1.250 0.995 0.945 0.412 0.961 0.808 0.828 1.199
236 0.713 1.103 0.926 0.897 0.412 0.799 0.761 0.779 1.043
Territory Factors

237 0.870 1.528 0.630 0.604 0.347 1.135 0.534 0.544 1.358
238 0.796 1.229 0.946 0.924 0.499 0.788 0.792 0.814 1.010
239 0.890 1.522 0.563 0.563 0.492 0.981 0.472 0.482 1.261
241 0.955 1.275 1.032 0.979 0.379 1.140 0.927 0.945 1.338
242 0.773 1.098 0.880 0.636 0.416 0.864 0.818 0.836 1.228
244 1.006 0.959 0.995 0.901 1.083 1.001 1.021 1.022 1.036
245 0.984 1.000 0.946 0.883 1.016 1.037 0.974 0.977 1.073
246 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
247 0.966 0.896 0.971 0.913 0.924 0.974 0.996 1.002 1.099
248 0.943 0.913 0.904 0.835 0.944 0.940 0.969 0.970 0.950
249 1.077 1.046 1.069 0.969 1.067 1.043 1.048 1.051 1.043
250 0.998 0.941 1.037 0.907 1.007 1.024 1.026 1.029 1.099
251 0.984 0.929 0.971 0.961 0.964 0.962 0.999 1.002 0.954
252 1.001 0.946 0.976 0.984 0.984 0.973 0.999 1.002 0.960
253 0.986 0.969 0.963 0.931 1.050 0.982 0.969 0.971 0.996
254 0.995 1.024 0.990 0.923 0.969 0.993 1.032 1.038 1.069
255 1.015 0.937 1.008 0.920 0.996 0.959 1.000 1.002 0.996
257 1.330 1.631 1.173 1.279 0.738 1.569 1.182 1.209 2.242
258 1.270 1.604 1.106 1.276 0.765 1.465 1.169 1.199 1.924
259 1.223 1.610 1.176 1.279 0.660 1.661 1.169 1.199 1.987
260 1.560 2.072 1.843 2.403 0.996 1.607 1.402 1.430 2.311
261 2.296 3.038 2.534 2.624 1.200 2.235 1.829 1.864 1.785
262 1.504 2.047 1.702 1.917 0.821 1.574 1.229 1.253 1.758
263 1.543 2.083 1.689 2.135 0.717 1.527 1.229 1.253 1.894
264 1.395 1.824 1.502 1.599 0.658 1.395 1.383 1.414 2.119
265 1.543 1.895 1.780 2.023 0.725 1.643 1.229 1.253 1.752
266 1.648 2.043 1.514 1.670 0.809 1.474 1.332 1.358 2.036
267 1.540 1.768 1.665 1.781 0.726 1.567 1.322 1.353 1.934
268 1.828 2.018 1.904 2.250 1.054 1.651 1.631 1.666 2.000
269 1.571 1.979 1.889 2.137 0.834 1.624 1.449 1.488 2.337
271 1.872 2.178 1.981 2.209 0.879 1.757 1.534 1.566 2.000
272 2.129 2.317 2.468 2.574 1.092 2.148 1.631 1.666 2.000
273 1.670 1.903 1.998 2.226 0.950 1.651 1.631 1.666 2.162
274 1.643 1.852 1.579 1.582 0.732 1.457 1.292 1.316 1.987
275 1.656 1.721 1.588 1.727 0.720 1.534 1.308 1.334 1.894
276 1.566 1.771 1.497 1.626 0.695 1.626 1.234 1.262 2.017
277 1.585 1.998 1.662 1.863 0.775 1.556 1.259 1.287 1.831
278 1.499 1.794 1.420 1.500 0.865 1.596 1.332 1.357 2.036
279 1.424 1.658 1.588 2.023 0.905 1.559 1.240 1.268 1.924
281 1.603 2.147 1.830 1.707 0.707 1.569 1.301 1.329 2.073
282 1.613 1.794 1.497 1.623 0.749 1.668 1.205 1.229 1.977
283 1.718 2.002 1.848 2.401 0.812 1.716 1.631 1.666 2.000
284 1.576 1.768 1.638 1.736 0.748 1.764 1.259 1.282 1.980
286 1.762 2.488 1.838 2.322 0.946 1.765 1.576 1.582 1.421
287 1.621 2.193 1.971 2.355 0.988 1.659 1.511 1.515 1.566
288 1.536 1.975 1.559 2.096 0.866 1.616 1.306 1.312 1.348
289 1.515 2.032 2.045 2.171 0.983 1.652 1.488 1.493 1.778
290 1.453 2.049 1.620 2.095 0.902 1.773 1.301 1.306 1.348
291 1.435 1.767 1.410 1.649 0.865 1.693 1.301 1.306 1.732
292 1.364 1.895 1.237 1.635 0.818 1.311 1.182 1.187 1.384
293 1.563 2.086 2.058 2.521 1.096 1.641 1.488 1.493 1.550
294 1.365 1.987 1.607 1.851 0.983 1.687 1.301 1.306 1.702
295 1.553 2.144 1.607 1.990 0.834 1.567 1.301 1.306 1.364
Territory Factors

296 1.352 1.920 1.304 1.379 0.677 1.461 1.301 1.306 1.629
297 1.950 2.663 2.117 2.439 1.054 2.002 1.660 1.666 1.417
298 1.529 1.876 1.460 1.539 0.733 1.519 1.309 1.316 1.768
299 1.487 2.119 2.035 2.219 0.828 1.576 1.371 1.373 1.417
300 1.463 2.018 1.442 1.989 0.820 1.650 1.367 1.369 1.410
301 1.585 2.137 1.460 1.711 0.738 1.597 1.354 1.361 1.440
302 1.357 1.680 1.365 1.577 0.648 1.566 1.301 1.306 1.811
303 1.576 2.103 1.720 2.147 0.726 1.531 1.301 1.306 1.421
304 1.466 1.866 1.633 1.901 0.940 1.570 1.347 1.349 1.576
305 1.433 1.905 1.442 1.666 0.847 1.634 1.301 1.306 1.483
306 1.490 1.731 1.628 2.111 1.215 1.722 1.402 1.403 1.705
307 1.486 1.940 1.601 1.797 1.034 1.587 1.367 1.369 1.583
308 1.524 1.822 1.702 2.196 1.210 1.754 1.417 1.419 1.695
309 1.453 1.764 1.633 2.064 1.040 1.696 1.402 1.403 1.629
310 0.950 1.420 1.087 1.088 0.720 1.250 1.008 1.029 2.261
311 1.423 1.712 1.588 1.828 0.787 1.471 1.391 1.391 1.583
312 1.529 2.015 1.971 2.255 0.826 1.680 1.520 1.523 1.576
313 1.473 1.849 1.420 1.592 0.707 1.494 1.301 1.306 1.629
314 1.555 1.912 1.889 2.157 0.852 1.639 1.549 1.551 1.566
315 1.370 1.818 1.365 1.455 0.663 1.432 1.301 1.306 1.659
316 1.469 1.861 1.452 1.501 0.699 1.424 1.312 1.318 1.583
317 1.553 1.860 1.497 1.526 0.750 1.474 1.301 1.306 1.715
318 1.564 1.871 1.442 1.666 0.874 1.553 1.321 1.327 1.348
319 1.536 1.911 1.694 2.019 1.074 1.721 1.389 1.390 1.715
320 0.809 1.209 1.109 0.955 0.634 1.220 1.374 1.405 2.546
321 1.663 2.103 1.848 2.084 1.153 1.794 1.455 1.464 1.467
322 1.489 1.761 1.638 1.878 1.011 1.722 1.488 1.493 1.841
323 1.491 1.849 1.502 1.599 0.732 1.550 1.301 1.306 1.795
324 1.432 1.967 1.607 1.824 0.795 1.566 1.347 1.349 1.530
325 1.498 1.910 1.601 1.754 0.769 1.577 1.301 1.306 1.364
326 1.502 1.839 1.497 1.681 0.770 1.424 1.301 1.306 1.421
327 1.502 1.870 1.402 1.500 0.827 1.688 1.301 1.306 1.741
328 1.401 1.868 1.465 1.391 0.802 1.749 1.351 1.361 1.894
329 1.571 2.206 1.571 1.774 0.772 1.624 1.301 1.306 1.642
330 1.442 2.004 1.460 1.541 0.735 1.548 1.301 1.306 1.861
331 1.569 2.321 1.981 2.216 0.838 1.666 1.459 1.464 1.583
332 1.649 2.310 1.921 2.281 0.829 1.740 1.454 1.459 1.586
333 1.478 1.689 1.588 2.055 0.991 1.510 1.402 1.403 1.583
334 1.617 1.819 1.612 1.899 0.879 1.461 1.364 1.371 1.619
335 1.455 1.786 1.657 1.888 1.202 1.690 1.308 1.314 1.546
336 1.499 1.702 1.588 1.859 1.107 1.576 1.400 1.406 1.679
337 1.545 1.717 1.438 1.494 0.804 1.571 1.301 1.306 1.871
338 1.599 1.726 1.402 1.499 0.792 1.599 1.301 1.306 1.520
339 1.349 1.849 1.391 1.419 0.788 1.637 1.402 1.403 1.851
340 0.684 1.017 0.926 1.039 0.580 1.145 0.873 0.893 2.308
341 1.681 2.103 1.848 2.040 0.957 1.624 1.488 1.493 1.546
342 1.635 2.137 1.857 2.065 0.914 1.671 1.594 1.600 1.679
343 1.748 2.066 2.098 2.448 0.982 1.808 1.527 1.530 1.642
344 1.773 1.978 2.035 2.130 1.243 1.706 1.488 1.493 1.536
345 1.474 1.878 1.647 1.743 0.973 1.541 1.455 1.460 1.665
346 1.615 1.910 1.633 2.034 0.978 1.663 1.308 1.314 1.613
347 1.888 2.316 2.551 2.660 1.134 2.123 1.846 1.853 1.540
348 1.694 2.115 1.665 1.953 0.828 1.706 1.365 1.371 1.738
Territory Factors

349 1.550 1.876 1.857 1.994 0.806 1.577 1.594 1.600 1.592
350 1.667 2.103 1.620 1.683 0.706 1.608 1.391 1.391 1.702
351 1.741 2.057 2.030 2.384 0.844 1.761 1.488 1.493 1.894
352 1.599 2.015 1.546 1.703 0.806 1.437 1.391 1.397 1.440
353 2.064 2.517 2.734 2.838 0.910 2.097 1.778 1.784 1.675
354 1.623 1.966 1.689 1.737 0.738 1.571 1.301 1.306 1.404
355 1.656 1.974 1.601 1.794 0.897 1.642 1.361 1.364 1.665
356 1.673 1.839 1.452 1.735 0.954 1.492 1.588 1.596 1.642
357 1.708 1.939 1.857 2.147 0.907 1.640 1.488 1.493 1.762
358 1.592 1.891 1.694 1.756 0.902 1.728 1.322 1.329 1.679
359 1.719 1.974 2.085 2.162 1.194 1.694 1.402 1.403 1.447
360 1.621 1.805 1.998 2.245 1.004 1.613 1.693 1.698 1.732
361 1.761 1.945 1.917 2.300 1.068 1.705 1.485 1.489 1.642
362 1.581 1.831 1.657 1.965 0.905 1.650 1.452 1.459 1.977
363 1.680 1.928 2.045 2.410 1.027 1.708 1.524 1.527 1.550
364 1.787 1.878 1.998 2.456 1.124 1.868 1.594 1.600 1.871
365 1.733 1.914 2.240 2.526 1.176 1.830 1.693 1.698 1.695
366 1.741 1.931 2.146 2.255 1.076 1.861 1.693 1.698 1.977
367 1.729 1.940 2.146 2.666 1.041 1.808 1.693 1.698 1.924
368 1.696 2.026 2.030 2.294 1.050 1.493 1.488 1.493 1.540
369 1.576 1.875 1.588 1.869 0.791 1.633 1.301 1.306 1.738
370 1.460 1.754 1.447 1.750 0.865 1.507 1.301 1.328 2.136
371 1.957 2.153 2.085 2.336 1.039 1.858 1.666 1.671 1.603
372 1.651 1.832 1.862 2.002 1.107 1.721 1.415 1.416 1.447
373 1.684 1.997 1.788 2.144 1.062 1.795 1.496 1.503 1.917
374 1.825 2.332 2.058 2.472 0.865 1.754 1.485 1.489 1.540
375 1.597 1.603 1.620 1.875 1.013 1.514 1.383 1.387 1.559
376 1.613 1.729 1.689 2.113 1.106 1.681 1.693 1.698 1.702
377 1.568 1.743 1.546 1.758 0.770 1.615 1.391 1.397 1.523
378 1.314 1.991 1.391 1.571 0.766 1.554 1.301 1.306 1.665
379 1.514 2.302 1.588 1.821 0.850 1.657 1.496 1.503 1.550
381 1.528 1.895 1.607 1.734 0.797 1.494 1.356 1.363 1.768
382 1.835 2.024 2.064 2.258 1.057 1.775 1.809 1.814 1.536
383 1.825 2.079 1.912 2.232 1.034 1.651 1.488 1.491 1.695
384 1.842 2.094 2.131 2.258 1.116 1.762 1.809 1.814 1.861
385 1.716 2.032 1.885 2.063 1.027 1.779 1.572 1.581 1.732
386 1.902 2.234 2.064 2.449 0.931 1.719 1.488 1.493 1.540
387 1.869 2.176 1.981 2.248 0.896 1.753 1.566 1.574 1.536
388 1.861 1.922 2.131 2.323 0.963 1.624 1.500 1.503 1.596
389 1.786 1.911 2.098 2.167 1.045 1.663 1.568 1.575 1.619
390 1.150 1.376 1.123 1.187 0.669 1.300 1.013 1.036 3.351
391 1.871 1.860 2.337 2.383 1.162 1.802 1.754 1.762 1.841
392 1.868 1.895 1.921 2.080 0.977 1.681 1.539 1.542 1.798
393 1.966 2.286 2.356 2.408 1.192 2.163 1.809 1.814 1.536
394 1.853 1.816 2.176 2.469 1.258 1.790 1.527 1.530 1.613
395 2.012 2.199 2.825 2.997 1.054 2.015 1.662 1.667 1.540
396 1.916 1.938 1.662 1.962 0.914 1.616 1.488 1.493 1.540
397 1.975 2.307 2.460 2.487 1.064 1.894 1.585 1.591 1.536
398 2.060 2.283 2.468 2.517 1.068 2.046 1.662 1.667 1.536
399 2.114 1.979 2.349 2.406 1.160 2.064 1.631 1.639 1.536
401 1.670 1.901 1.962 2.226 0.909 1.647 1.669 1.674 1.722
402 1.626 1.870 1.556 1.655 0.747 1.476 1.338 1.343 1.404
404 1.365 1.795 1.410 1.417 0.783 1.589 1.471 1.473 1.732
Territory Factors

406 1.334 1.627 1.365 1.509 0.780 1.570 1.301 1.306 1.868
407 1.466 2.032 1.556 1.671 0.711 1.575 1.301 1.306 1.798
408 1.416 1.819 1.662 1.994 0.989 1.648 1.301 1.306 1.642
409 1.494 1.862 1.329 1.499 0.677 1.478 1.301 1.306 1.695
410 0.979 0.987 1.058 1.188 0.450 1.011 1.028 1.048 3.718
411 1.718 2.003 1.899 2.403 0.828 1.749 1.669 1.674 1.483
412 1.478 1.949 1.365 1.525 0.695 1.516 1.299 1.306 1.675
413 1.360 1.979 1.391 1.509 0.826 1.558 1.301 1.306 1.768
414 1.499 1.871 1.442 1.583 0.800 1.534 1.301 1.306 1.348
416 1.702 1.386 1.514 1.365 1.529 1.172 1.549 1.584 2.215
417 1.772 1.408 1.601 1.493 1.563 1.240 1.754 1.787 2.483
418 1.777 1.287 1.612 1.310 1.536 1.242 1.660 1.696 2.337
419 1.754 1.245 1.473 1.428 1.575 1.232 1.492 1.527 2.169
420 1.147 1.033 1.000 1.157 0.438 1.192 0.971 0.993 3.116
424 1.080 1.303 1.027 1.108 0.845 1.132 1.089 1.111 1.248
425 0.950 1.247 1.027 0.904 1.006 1.198 0.982 1.006 1.245
426 0.914 1.239 1.050 1.127 0.940 1.064 1.004 1.028 1.175
427 0.936 1.309 1.050 1.108 0.847 1.172 1.039 1.059 1.272
428 0.936 1.309 1.082 1.076 0.841 1.099 1.059 1.081 1.261
429 1.093 1.304 1.127 1.156 0.998 1.187 1.124 1.154 1.417
430 1.174 1.355 1.141 1.192 0.469 1.084 1.002 1.023 1.987
431 0.878 1.279 1.050 0.921 0.952 1.104 0.953 0.970 1.291
433 0.796 1.317 0.904 0.880 0.582 1.152 0.866 0.885 1.473
434 0.730 1.240 0.896 0.889 0.558 1.180 0.840 0.858 1.464
435 0.749 1.268 0.941 0.931 0.573 1.134 0.844 0.864 1.487
436 0.842 1.173 0.966 0.885 0.601 1.240 0.860 0.876 1.427
437 0.833 1.347 0.958 0.907 0.578 1.143 0.842 0.856 1.685
438 0.809 1.149 0.904 0.864 0.563 1.132 0.847 0.864 1.430
439 0.912 1.261 0.946 0.889 0.603 1.169 0.941 0.962 1.741
440 1.061 1.090 1.188 1.194 0.634 1.269 0.980 1.001 2.109
441 0.890 1.305 0.872 0.974 0.575 1.097 0.895 0.915 1.559
442 0.922 1.303 0.941 0.892 0.573 1.249 0.945 0.968 1.814
443 0.842 1.193 0.931 0.915 0.587 1.107 0.898 0.916 1.536
444 0.822 1.318 0.877 0.960 0.578 1.118 0.829 0.846 1.513
445 0.948 1.254 0.931 0.890 0.594 1.259 0.951 0.971 1.778
447 1.144 1.420 1.136 1.266 0.593 1.230 0.967 0.990 1.665
449 1.206 1.499 1.192 1.217 0.620 1.301 0.993 1.012 1.692
450 0.999 1.372 1.053 1.069 0.609 1.287 0.862 0.878 1.834
451 1.078 1.377 1.196 1.299 0.571 1.302 0.947 0.966 1.705
452 0.967 1.283 1.136 1.243 0.552 1.297 0.882 0.897 1.775
453 1.062 1.359 1.095 1.237 0.571 1.275 0.906 0.927 1.758
454 1.019 1.368 1.136 1.212 0.594 1.362 0.993 1.016 1.758
455 1.002 1.382 1.136 1.127 0.695 1.305 0.964 0.985 1.659
456 1.083 1.406 1.232 1.231 0.629 1.395 0.992 1.014 1.917
457 0.983 1.270 1.136 1.121 0.608 1.323 0.934 0.954 1.871
458 1.072 1.460 1.136 1.206 0.621 1.477 1.076 1.097 2.053
459 1.041 1.486 1.163 1.256 0.713 1.364 0.986 1.006 1.821
460 0.965 1.375 1.123 1.035 0.757 1.313 0.918 0.938 1.970
461 1.083 1.415 1.106 1.197 0.584 1.248 1.012 1.029 1.841
462 1.070 1.364 1.136 1.193 0.564 1.400 0.989 1.010 1.967
463 1.065 1.293 1.163 1.167 0.626 1.372 1.065 1.085 1.871
464 1.037 1.416 1.141 1.132 0.598 1.464 1.059 1.081 2.050
465 1.061 1.393 1.176 1.190 0.615 1.404 0.992 1.012 1.980
Territory Factors

466 1.080 1.401 1.192 1.229 0.682 1.351 1.022 1.043 1.725
467 1.061 1.402 1.141 1.168 0.627 1.358 1.009 1.030 1.944
468 1.062 1.377 1.181 1.249 0.626 1.421 1.017 1.037 1.987
469 1.026 1.263 1.181 1.132 0.639 1.306 0.987 1.008 1.960
470 0.967 0.867 0.990 0.949 0.440 0.995 0.918 0.931 1.831
471 1.028 1.291 1.072 1.113 0.628 1.412 0.989 1.012 1.785
472 1.037 1.319 1.123 1.079 0.612 1.365 0.919 0.939 1.907
473 1.016 1.376 1.136 1.129 0.593 1.340 0.992 1.015 2.050
474 1.358 1.630 1.479 1.363 0.630 1.711 1.280 1.306 2.053
475 1.011 1.397 1.069 1.199 0.637 1.295 0.967 0.988 1.603
476 1.026 1.421 1.181 1.258 0.622 1.436 1.015 1.036 1.732
478 0.850 1.113 1.045 0.950 0.493 1.128 0.996 1.000 0.907
479 0.976 1.355 1.415 1.296 0.765 1.277 1.076 1.079 1.043
480 1.535 1.676 1.329 1.492 0.784 1.665 1.187 1.213 1.841
481 0.831 1.135 1.027 1.074 0.572 1.097 0.948 0.949 0.831
482 0.799 1.256 1.192 1.161 0.492 1.100 1.192 1.192 0.868
483 0.719 1.368 0.926 0.956 0.665 1.083 0.924 0.923 0.891
484 0.840 1.157 1.077 1.067 0.490 0.864 1.000 1.002 0.669
485 1.074 1.342 1.479 1.522 0.879 1.073 1.140 1.144 0.834
486 0.945 1.576 1.176 1.217 0.899 1.432 1.194 1.197 1.089
487 0.899 1.140 1.337 1.369 0.689 1.299 1.165 1.171 0.987
488 1.090 1.459 1.309 1.358 0.694 1.052 1.285 1.290 0.768
489 0.888 1.119 1.296 1.335 0.778 1.265 1.106 1.106 1.079
490 1.497 1.748 1.571 1.744 0.733 1.699 1.166 1.195 1.679
491 0.746 1.080 1.223 1.216 0.674 1.029 0.996 0.998 0.868
492 1.066 1.358 1.361 1.285 0.685 1.322 1.194 1.197 1.126
493 1.098 1.324 1.373 1.394 0.833 1.430 1.227 1.229 1.145
494 0.997 1.064 1.296 1.316 0.717 1.196 1.117 1.119 1.010
495 0.987 1.143 1.442 1.452 0.876 1.400 1.109 1.110 0.996
496 1.156 1.345 1.282 1.327 0.836 1.557 1.175 1.178 1.083
497 0.939 1.301 1.442 1.419 0.796 1.349 1.096 1.101 1.162
498 0.847 1.239 1.245 1.188 0.617 1.178 1.174 1.177 1.209
499 0.906 1.025 1.378 1.373 0.621 1.130 1.111 1.112 0.781
500 0.739 1.461 1.064 1.066 0.525 1.143 1.052 1.056 0.808
501 0.967 1.433 0.740 0.770 0.728 1.038 0.625 0.625 0.825
502 0.936 1.378 0.830 0.804 0.749 0.851 0.673 0.674 0.652
503 1.068 1.394 1.263 1.103 0.746 1.140 1.087 1.092 1.026
504 0.985 1.312 0.761 0.789 0.732 0.966 0.652 0.655 0.795
505 0.624 1.079 0.966 0.793 0.697 0.908 0.787 0.790 0.712
506 0.816 1.086 1.205 1.179 0.644 1.307 1.064 1.067 0.974
507 1.029 1.470 1.361 1.264 0.865 1.166 1.068 1.073 0.974
508 0.958 1.389 0.736 0.926 0.628 1.016 0.575 0.575 0.927
509 0.711 1.460 1.324 1.174 0.436 1.077 1.028 1.032 0.877
511 0.982 1.115 1.361 1.248 0.652 1.101 1.165 1.171 0.917
512 0.745 1.334 1.018 0.947 0.546 1.123 0.849 0.853 0.742
513 0.672 1.277 0.986 1.009 0.493 0.994 0.989 0.992 0.825
514 0.989 1.317 0.740 1.034 0.465 1.038 0.686 0.686 0.844
515 0.733 1.011 1.141 1.158 0.510 1.013 1.035 1.039 0.891
516 1.068 1.270 1.268 1.262 0.871 1.296 1.165 1.171 1.099
517 0.724 0.992 1.151 1.201 0.678 1.105 1.051 1.055 0.881
518 0.675 1.269 1.263 1.267 0.896 1.275 1.035 1.038 1.023
519 0.669 1.081 1.155 1.241 0.489 1.137 1.006 1.008 0.980
520 0.812 1.323 0.931 0.945 0.530 1.042 0.781 0.795 1.404
Territory Factors

521 0.886 1.121 1.612 1.681 0.849 1.084 1.221 1.226 0.752
522 0.998 1.337 1.534 1.596 0.621 1.568 1.308 1.317 1.136
523 0.946 1.372 1.268 1.288 0.834 1.292 1.205 1.207 1.043
524 0.887 1.098 1.378 1.334 0.802 1.337 1.253 1.258 1.023
525 0.801 1.235 1.309 1.283 0.645 1.126 1.225 1.229 0.954
526 0.914 1.396 0.521 0.535 0.674 0.909 0.549 0.551 0.944
527 0.810 1.297 1.099 1.165 0.771 1.302 1.021 1.023 1.026
528 0.728 1.292 1.090 1.029 0.517 1.073 1.002 1.004 0.871
529 0.608 0.861 1.123 1.159 0.474 0.909 0.956 0.956 0.778
530 0.867 1.024 0.913 0.925 0.525 1.026 0.864 0.880 1.881
531 0.682 1.283 1.099 1.167 0.520 0.913 1.019 1.021 0.722
532 0.637 0.939 1.181 1.162 0.510 0.909 1.054 1.056 0.752
533 0.523 1.071 1.018 0.997 0.404 1.040 0.974 0.976 1.023
534 0.685 1.208 0.817 1.099 0.766 0.878 0.775 0.777 0.722
536 0.836 1.324 0.963 0.892 0.555 1.084 0.898 0.917 1.596
537 0.902 1.430 0.885 0.855 0.508 1.120 0.833 0.850 1.586
538 0.711 1.404 0.867 0.930 0.542 1.056 0.788 0.803 1.659
539 0.710 1.355 0.931 0.797 0.468 0.960 0.762 0.779 1.629
540 1.504 1.626 1.438 1.220 0.841 1.522 1.127 1.150 1.619
541 0.831 1.560 1.037 0.844 0.562 1.208 0.821 0.837 1.758
543 0.809 1.422 0.885 0.799 0.499 1.183 0.836 0.854 1.692
544 0.819 1.317 0.896 0.884 0.502 1.041 0.827 0.842 1.464
545 0.826 1.398 1.037 0.963 0.495 1.016 0.869 0.890 2.060
546 0.917 1.525 1.027 0.953 0.549 1.233 0.927 0.944 1.692
547 0.824 1.482 0.934 0.907 0.558 1.098 0.844 0.860 1.904
548 0.749 1.322 0.899 0.845 0.595 1.016 0.834 0.852 1.685
549 0.818 1.333 0.950 0.927 0.581 1.104 0.844 0.860 1.665
550 1.502 1.373 1.497 1.362 0.781 1.333 1.178 1.202 1.321
551 0.808 1.414 0.966 0.855 0.497 0.976 0.808 0.823 1.559
552 0.847 1.505 0.934 0.855 0.503 1.108 0.842 0.860 1.500
553 0.801 1.348 0.899 0.881 0.495 1.021 0.853 0.868 1.583
554 0.818 1.361 0.909 0.946 0.496 0.969 0.851 0.867 1.430
555 0.778 1.435 0.880 0.868 0.461 0.998 0.846 0.864 1.656
556 0.799 1.593 0.921 0.898 0.552 1.039 0.840 0.858 1.513
557 0.971 1.543 0.963 0.908 0.543 1.205 0.895 0.911 1.665
558 0.862 1.417 0.986 1.006 0.507 1.011 0.961 0.982 1.705
559 0.968 1.496 1.053 0.987 0.514 1.182 1.000 1.023 1.762
560 1.483 1.517 1.402 1.316 1.599 1.396 1.254 1.276 1.887
561 0.821 1.398 0.885 0.827 0.492 1.083 0.844 0.858 1.748
562 0.913 1.406 1.027 0.953 0.499 1.154 0.987 1.010 1.788
563 0.822 1.377 0.934 0.891 0.490 0.994 0.839 0.854 1.649
564 0.877 1.534 0.941 1.009 0.470 1.173 0.961 0.979 2.172
565 0.797 1.346 0.904 0.809 0.434 0.980 0.860 0.876 1.656
566 0.951 1.624 0.934 0.903 0.573 1.316 0.921 0.943 1.960
567 0.817 1.415 0.909 0.967 0.587 1.061 0.862 0.880 1.917
568 0.801 1.324 1.000 0.930 0.512 0.991 0.859 0.877 1.778
569 0.979 1.524 0.971 0.977 0.561 1.078 0.927 0.945 1.566
571 0.878 1.472 0.954 0.876 0.477 0.999 0.892 0.908 1.559
572 0.864 1.574 0.954 0.913 0.455 1.112 0.914 0.931 1.762
573 0.798 1.541 1.050 0.999 0.461 1.019 0.927 0.949 1.679
574 1.027 1.695 1.163 1.122 0.440 1.104 1.076 1.094 1.897
575 0.860 1.457 0.976 0.903 0.525 1.135 0.964 0.980 1.613
576 0.942 1.498 0.966 0.885 0.563 1.152 0.940 0.961 1.583
Territory Factors

577 0.815 1.483 1.000 0.964 0.453 0.974 0.906 0.927 1.705
578 0.875 1.549 1.053 1.129 0.546 1.162 0.979 1.000 1.546
579 0.863 1.434 0.946 0.923 0.652 1.174 0.951 0.972 1.702
580 1.254 1.033 1.309 1.276 1.264 1.254 1.185 1.211 1.632
581 0.881 1.317 1.032 1.014 0.483 1.171 0.915 0.935 1.768
582 0.845 1.372 1.003 0.953 0.492 1.039 0.932 0.953 1.712
583 0.801 1.369 0.931 0.888 0.492 1.053 0.873 0.891 1.586
584 0.876 1.489 0.926 0.903 0.508 1.035 1.000 1.023 1.987
585 0.875 1.398 0.931 0.839 0.479 1.091 0.953 0.975 1.741
586 1.023 1.549 1.072 0.987 0.493 1.042 1.065 1.091 1.669
587 0.872 1.499 0.990 0.828 0.490 1.022 0.953 0.974 1.798
588 0.966 1.456 0.995 0.872 0.484 1.071 0.918 0.938 1.348
589 0.843 1.435 0.899 0.777 0.470 1.034 0.851 0.870 2.155
590 0.873 1.214 1.072 0.880 1.192 1.071 0.927 0.946 1.639
591 0.853 1.702 0.976 0.974 0.498 1.209 0.829 0.844 1.665
592 0.783 1.404 0.946 0.926 0.582 1.017 0.853 0.869 1.738
593 0.797 1.428 0.921 0.863 0.548 1.147 0.860 0.877 1.675
594 0.868 1.430 0.966 1.028 0.522 1.106 0.964 0.984 1.722
595 0.864 1.423 1.008 0.949 0.592 1.093 0.914 0.935 1.967
596 0.867 1.467 0.904 0.846 0.496 1.090 0.958 0.977 2.053
597 0.808 1.304 0.950 0.907 0.529 0.995 0.840 0.856 1.629
599 1.851 1.491 1.934 1.365 1.575 1.465 1.286 1.314 1.669
600 0.878 1.327 0.885 0.938 0.874 1.212 0.967 0.986 1.291
610 0.884 1.060 0.995 0.867 1.259 1.142 0.906 0.922 1.318
620 0.764 1.118 1.045 0.847 1.445 1.174 0.892 0.907 1.245
660 0.820 1.146 0.654 0.685 0.338 0.982 0.549 0.562 1.093
710 1.074 1.232 0.971 1.027 0.676 1.319 0.980 0.996 1.834
711 1.138 1.409 1.018 1.171 0.719 1.428 1.046 1.065 1.831
712 0.984 1.235 0.934 0.998 0.547 1.372 0.876 0.892 2.132
713 0.818 1.233 0.913 0.832 0.653 1.195 0.866 0.884 1.814
714 0.884 1.094 0.976 0.873 0.650 1.149 0.948 0.969 1.702
715 1.039 1.231 0.982 1.015 0.802 1.357 0.995 1.014 1.798
720 0.844 1.247 0.982 0.875 0.657 1.141 0.755 0.771 1.583
721 0.830 1.150 1.013 0.888 0.724 1.132 0.817 0.834 1.464
722 0.867 1.191 0.958 0.889 0.683 1.242 0.855 0.872 1.639
723 0.839 1.189 0.971 0.875 0.618 1.164 0.798 0.814 1.457
724 0.846 1.228 1.077 0.966 0.614 1.267 0.869 0.888 1.606
725 0.967 1.204 1.022 0.952 0.618 1.293 0.881 0.898 1.629
726 0.831 1.183 0.971 0.948 0.617 1.238 0.847 0.864 1.583
727 0.883 1.173 1.013 0.939 0.619 1.153 0.879 0.898 1.785
728 0.772 1.086 0.941 0.826 0.586 1.077 0.778 0.792 1.861
729 0.738 0.896 0.926 0.862 0.677 1.068 0.801 0.817 1.785
730 0.930 1.051 0.921 1.005 0.676 1.381 0.914 0.933 2.261
731 1.067 1.090 1.027 1.134 0.733 1.300 0.940 0.959 2.126
732 1.035 1.233 1.109 1.157 0.700 1.426 1.035 1.057 1.914
733 1.062 1.236 1.168 1.147 0.646 1.441 1.022 1.045 2.182
734 0.917 1.052 0.896 0.965 0.647 1.209 0.947 0.966 1.977
737 0.785 1.239 1.045 0.924 0.699 1.204 0.847 0.864 1.606
740 0.914 1.089 0.867 0.822 0.756 1.091 0.966 0.982 2.000
741 0.913 1.213 0.867 0.822 0.761 1.203 1.019 1.038 2.192
742 0.859 1.243 0.880 0.760 0.688 1.088 0.908 0.925 2.013
743 0.953 1.185 0.867 0.818 0.698 1.272 1.026 1.046 2.334
744 0.984 1.254 0.971 0.882 0.678 1.236 1.034 1.054 2.079
Territory Factors

745 1.008 1.161 0.899 0.872 0.657 1.195 1.009 1.029 2.036
746 0.802 1.080 0.921 0.692 0.526 1.043 0.911 0.929 1.775
747 0.865 1.138 0.840 0.776 0.605 1.055 0.938 0.955 1.924
748 0.875 1.073 0.859 0.807 0.674 0.987 0.889 0.907 1.814
749 0.878 1.282 0.867 0.802 0.665 1.248 0.989 1.008 2.337
750 0.884 1.249 0.971 0.930 1.296 1.189 0.971 0.990 0.825
751 0.847 1.249 0.958 0.918 1.296 1.189 0.944 0.963 0.825
752 0.836 1.276 0.950 0.942 1.311 1.214 0.971 0.990 0.825
753 0.753 1.251 0.958 0.890 1.311 1.212 0.840 0.856 0.825
754 0.778 1.071 0.982 0.846 0.973 1.071 0.872 0.890 0.871
755 0.711 1.249 0.958 0.918 1.298 1.190 0.758 0.773 0.825
756 0.740 1.282 0.958 0.940 1.323 1.222 0.805 0.823 0.825
757 0.767 1.273 0.971 0.939 1.331 1.221 0.853 0.872 0.825
758 0.763 1.164 0.950 0.829 0.955 1.033 0.851 0.869 0.841
759 0.768 1.041 0.950 0.807 1.107 0.991 0.829 0.846 0.825
761 0.837 1.209 1.000 0.986 0.735 1.250 0.847 0.864 1.596
764 0.939 1.128 0.885 0.838 0.647 1.193 0.956 0.976 2.142
765 0.774 0.947 0.877 0.832 0.588 1.195 0.921 0.939 2.017
777 1.318 1.664 1.332 1.382 0.744 1.414 0.596 0.599 0.596

BELL 76544 1
BELL 76511 2
BELL 76534 3
BELL 76554 3
BELL 76519 4
BELL 76524 5
BELL 76548 5
BELL 76559 5
BELL 76564 5
BELL 76569 5
BELL 76579 5
BELL 76528 6
BELL 76502 7
BELL 76513 7
BELL 76501 8
BELL 76505 8
BELL 76533 8
BELL 76540 8
BELL 76541 8
BELL 76547 8
BELL 76539 9
BELL 76542 9
BELL 76504 11
BELL 76543 11
BELL 76549 11
BELL 76537 12
BELL 76571 12
BELL 76557 14
BELL 78608 15
BELL 76527 16
BEXAR 78015 18
BEXAR 78052 20
BEXAR 78230 24
BEXAR 78239 24
BEXAR 78249 24
BEXAR 78219 25
BEXAR 78217 26
BEXAR 78284 26
BEXAR 78285 26
BEXAR 78231 27
BEXAR 78209 28
BEXAR 78213 29
BEXAR 78220 31
BEXAR 78247 31
BEXAR 78238 34
BEXAR 78251 35
BEXAR 78154 36
BEXAR 78210 37
BEXAR 78254 38
BEXAR 78226 39
BEXAR 78211 44
BEXAR 78223 44
BEXAR 78235 44
BEXAR 78264 45
BEXAR 78228 46

BEXAR 78121 47
BEXAR 78002 48
BEXAR 78054 48
BEXAR 78108 49
BEXAR 78124 51
BEXAR 78155 51
BEXAR 78069 52
BEXAR 78229 53
BEXAR 78212 54
BEXAR 78233 54
BEXAR 78280 54
BEXAR 78218 55
BEXAR 78201 56
BEXAR 78216 57
BEXAR 78240 58
BEXAR 78234 59
BEXAR 78207 61
BEXAR 78250 62
BEXAR 78221 63
BEXAR 78248 63
BEXAR 78236 64
BEXAR 78243 64
BEXAR 78222 65
BEXAR 78101 66
BEXAR 78204 67
BEXAR 78283 67
BEXAR 78203 68
BEXAR 78023 69
BEXAR 78263 72
BEXAR 78259 73
BEXAR 78148 74
BEXAR 78244 75
BEXAR 78253 75
BEXAR 78112 76
BEXAR 78214 77
BEXAR 78152 78
BEXAR 78232 79
BEXAR 78208 80
BEXAR 78252 81
BEXAR 78261 82
BEXAR 78009 83
BEXAR 78039 84
BEXAR 78266 85
BEXAR 78202 86
BEXAR 78215 87
BEXAR 78224 88
BEXAR 78109 89
BEXAR 78225 90
BEXAR 78242 91
BEXAR 78245 92
BEXAR 78256 93
BEXAR 78255 94
BEXAR 78227 95
BEXAR 78205 96
BEXAR 78206 96
BEXAR 78291 96
BEXAR 78292 96
BEXAR 78293 96
BEXAR 78294 96
BEXAR 78295 96
BEXAR 78296 96
BEXAR 78297 96
BEXAR 78298 96
BEXAR 78299 96
BEXAR 78006 97
BEXAR 78258 98
BEXAR 78150 99
BEXAR 78073 100

BEXAR 78257 100
BEXAR 78163 101
BEXAR 78260 101
BEXAR 78237 102
CALLAHAN 79601 110
CALLAHAN 76437 754
CALLAHAN 76443 754
CALLAHAN 76464 754
CALLAHAN 76469 754
CALLAHAN 79504 754
CALLAHAN 79510 754
CALLAHAN 79602 754
COLLIN 75023 105
COLLIN 75075 105
COLLIN 75094 105
COLLIN 75287 105
COLLIN 75002 106
COLLIN 75074 106
COLLIN 75086 106
COLLIN 75252 106
COLLIN 75048 107
COLLIN 75248 108
COLLIN 75080 109
COLLIN 75087 113
COLLIN 75033 114
COLLIN 75034 114
COLLIN 75013 116
COLLIN 75024 116
COLLIN 75098 116
COLLIN 75025 117
COLLIN 75121 117
COLLIN 75164 117
COLLIN 75166 117
COLLIN 75173 117
COLLIN 75442 117
COLLIN 75035 118
COLLIN 75093 119
COLLIN 75009 121
COLLIN 75058 121
COLLIN 75069 121
COLLIN 75070 121
COLLIN 75071 121

COLLIN 75078 121
COLLIN 75097 121
COLLIN 75409 121
COLLIN 75454 121
COLLIN 75485 121
COLLIN 76258 121
COLLIN 75424 122
COLLIN 75044 123
COLLIN 75082 124
COLLIN 75407 125
COLLIN 75189 127
COLLIN 75452 128
COLLIN 75491 129
COLLIN 75495 129
DALLAS 75007 132
DALLAS 75252 134
DALLAS 75137 135
DALLAS 75138 135
DALLAS 75043 136
DALLAS 75049 136
DALLAS 75014 137
DALLAS 75016 137
DALLAS 75062 137
DALLAS 75204 138
DALLAS 75253 139
DALLAS 75336 139
DALLAS 75050 141
DALLAS 76155 141
DALLAS 75150 142
DALLAS 75231 143
DALLAS 75104 144
DALLAS 75106 144
DALLAS 75249 145
DALLAS 75115 146
DALLAS 75123 146
DALLAS 75220 146
DALLAS 75354 146
DALLAS 75215 147
DALLAS 75315 147
DALLAS 75210 148
DALLAS 75226 148
DALLAS 75030 149
DALLAS 75088 149
DALLAS 75234 150
DALLAS 75206 151
DALLAS 75221 151
DALLAS 75360 151
DALLAS 75372 151
DALLAS 75048 152
DALLAS 75038 153
DALLAS 75180 154
DALLAS 75202 155
DALLAS 75207 155
DALLAS 75242 155
DALLAS 75246 155

DALLAS 75250 155
DALLAS 75270 155
DALLAS 75371 155
DALLAS 75125 156
DALLAS 75141 157
DALLAS 75172 157
DALLAS 75154 158
DALLAS 75214 159
DALLAS 75243 159
DALLAS 75359 159
DALLAS 75254 161
DALLAS 75201 162
DALLAS 75313 162
DALLAS 75248 163
DALLAS 75080 164
DALLAS 75251 165
DALLAS 75244 166
DALLAS 75247 167
DALLAS 75261 168
DALLAS 75159 169
DALLAS 75146 170
DALLAS 75089 171
DALLAS 75067 172
DALLAS 75019 173
DALLAS 75063 173
DALLAS 75039 174
DALLAS 75209 175
DALLAS 76065 176
DALLAS 76051 177
DALLAS 75054 178
DALLAS 75001 180
DALLAS 75229 181
DALLAS 75378 181
DALLAS 75205 182
DALLAS 75182 183
DALLAS 75098 184
DALLAS 75041 185
DALLAS 75047 185
DALLAS 75134 185
DALLAS 75236 186
DALLAS 75228 187
DALLAS 75357 187
DALLAS 75052 188
DALLAS 75232 189
DALLAS 75211 190
DALLAS 75217 190
DALLAS 75233 190
DALLAS 75398 190
DALLAS 75241 191
DALLAS 75203 192
DALLAS 75208 192
DALLAS 75216 192
DALLAS 75224 192
DALLAS 75227 192
DALLAS 75260 192
DALLAS 75339 192
DALLAS 75376 192
DALLAS 75017 193
DALLAS 75060 193
DALLAS 75040 194
DALLAS 75044 195
DALLAS 75045 195
DALLAS 75051 196
DALLAS 75053 196
DALLAS 75042 197
DALLAS 75149 197
DALLAS 75185 197
DALLAS 75187 197

DALLAS 75238 198
DALLAS 75240 198
DALLAS 75355 198
DALLAS 75380 198
DALLAS 75219 199
DALLAS 75225 201
DALLAS 75237 202
DALLAS 75223 203
DALLAS 75081 204
DALLAS 75085 204
DALLAS 75230 204
DALLAS 75367 204
DALLAS 75006 205
DALLAS 75011 205
DALLAS 75082 206
DALLAS 75181 207
DALLAS 75015 208
DALLAS 75061 208
DALLAS 75116 208
DALLAS 75212 208
DALLAS 75218 208
DALLAS 75342 208
DALLAS 75235 209
DALLAS 75287 214
DENTON 75010 212
DENTON 75006 213
DENTON 75007 213
DENTON 75287 214
DENTON 76234 215
DENTON 76078 216
DENTON 76247 216
DENTON 76266 216
DENTON 75028 217
DENTON 76249 217
DENTON 75027 218
DENTON 75065 218
DENTON 75067 218
DENTON 75019 219
DENTON 76258 221
DENTON 76201 222
DENTON 76202 222
DENTON 76203 222
DENTON 76204 222
DENTON 76206 222
DENTON 76208 222
DENTON 76209 222
DENTON 76210 222
DENTON 76092 223
DENTON 75033 224
DENTON 75034 224
DENTON 75056 225
DENTON 75057 225
DENTON 75024 226
DENTON 75093 227
DENTON 75009 228
DENTON 75078 228
DENTON 76052 229
DENTON 76177 229
DENTON 76272 232
DENTON 76226 234
DENTON 76262 235
DENTON 76205 236
DENTON 76259 237
DENTON 75077 238

DENTON 75022 239
DENTON 76227 239
DENTON 75068 241
DENTON 76207 242
EL PASO 79821 244
EL PASO 79836 244
EL PASO 79838 244
EL PASO 79853 244
EL PASO 79927 244
EL PASO 79929 244
EL PASO 79904 245
EL PASO 79907 245
EL PASO 79908 245
EL PASO 79911 245
EL PASO 79912 245
EL PASO 79913 245
EL PASO 79914 245
EL PASO 79917 245
EL PASO 79922 245
EL PASO 79924 245
EL PASO 79903 246
EL PASO 79906 246
EL PASO 79923 246
EL PASO 79935 246
EL PASO 79936 246
EL PASO 79996 246
EL PASO 79918 247
EL PASO 79902 248
EL PASO 79932 248
EL PASO 79938 249
EL PASO 79835 250
EL PASO 79934 250
EL PASO 79901 251
EL PASO 79905 251
EL PASO 79910 251
EL PASO 79940 251
EL PASO 79941 251
EL PASO 79942 251
EL PASO 79943 251
EL PASO 79944 251
EL PASO 79945 251
EL PASO 79946 251
EL PASO 79947 251
EL PASO 79948 251
EL PASO 79949 251
EL PASO 79950 251
EL PASO 79951 251
EL PASO 79952 251
EL PASO 79953 251
EL PASO 79954 251
EL PASO 79955 251
EL PASO 79995 251
EL PASO 79997 251
EL PASO 88595 251
EL PASO 79920 252
EL PASO 79925 252
EL PASO 79930 252
EL PASO 79931 252
EL PASO 79968 253
EL PASO 79915 254
EL PASO 79916 254

EL PASO 79926 254
EL PASO 79849 255
EL PASO 79928 255
FORT BEND 77435 257
FORT BEND 77420 258
FORT BEND 77474 259
FORT BEND 77476 259
FORT BEND 77485 259
FORT BEND 77031 260
FORT BEND 77459 261
FORT BEND 77478 262
FORT BEND 77498 262
FORT BEND 77477 263
FORT BEND 77497 263
FORT BEND 77493 264
FORT BEND 77545 265
FORT BEND 77584 265
FORT BEND 77450 266
FORT BEND 77430 267
FORT BEND 77085 268
FORT BEND 77082 269
FORT BEND 77083 271
FORT BEND 77099 272
FORT BEND 77053 273
FORT BEND 77494 274
FORT BEND 77464 275
FORT BEND 77471 275
FORT BEND 77441 276
FORT BEND 77406 277
FORT BEND 77407 277
FORT BEND 77469 277
FORT BEND 77481 277
FORT BEND 77423 278
FORT BEND 77583 279
FORT BEND 77479 281
FORT BEND 77496 281
FORT BEND 77417 282
FORT BEND 77451 282
FORT BEND 77489 283
FORT BEND 77444 284
FORT BEND 77461 284

HARRIS 77056 286
HARRIS 77001 287
HARRIS 77002 287
HARRIS 77201 287
HARRIS 77208 287
HARRIS 77252 287
HARRIS 77253 287
HARRIS 77270 287
HARRIS 77505 288
HARRIS 77508 288
HARRIS 77010 289
HARRIS 77030 290
HARRIS 77532 291
HARRIS 77005 292
HARRIS 77265 292
HARRIS 77031 293
HARRIS 77043 294
HARRIS 77024 295
HARRIS 77389 296
HARRIS 77042 297
HARRIS 77346 298
HARRIS 77098 299
HARRIS 77019 300
HARRIS 77219 300
HARRIS 77546 301
HARRIS 77410 302
HARRIS 77429 302
HARRIS 77477 303
HARRIS 77034 304
HARRIS 77059 305
HARRIS 77013 306
HARRIS 77213 306
HARRIS 77229 306
HARRIS 77025 307
HARRIS 77225 307
HARRIS 77012 308
HARRIS 77262 308
HARRIS 77032 309
HARRIS 77315 309
HARRIS 77396 311
HARRIS 77054 312
HARRIS 77230 312
HARRIS 77254 312
HARRIS 77095 313
HARRIS 77379 313
HARRIS 77383 313
HARRIS 77391 313
HARRIS 77598 313
HARRIS 77503 314
HARRIS 77375 315
HARRIS 77027 316
HARRIS 77227 316
HARRIS 77256 316
HARRIS 77277 316
HARRIS 77325 316
HARRIS 77339 316
HARRIS 77345 316
HARRIS 77401 316
HARRIS 77413 316
HARRIS 77491 316
HARRIS 77492 316
HARRIS 77493 316
HARRIS 77373 317
HARRIS 77507 318
HARRIS 77061 319
HARRIS 77207 319

HARRIS 77089 321
HARRIS 77245 321
HARRIS 77049 322
HARRIS 77041 323
HARRIS 77536 323
HARRIS 77571 323
HARRIS 77572 323
HARRIS 77046 324
HARRIS 77062 325
HARRIS 77258 325
HARRIS 77259 325
HARRIS 77289 325
HARRIS 77094 326
HARRIS 77218 326
HARRIS 77562 327
HARRIS 77447 328
HARRIS 77057 329
HARRIS 77079 329
HARRIS 77257 329
HARRIS 77279 329
HARRIS 77433 330
HARRIS 77006 331
HARRIS 77266 331
HARRIS 77077 332
HARRIS 77242 332
HARRIS 77244 332
HARRIS 77547 333
HARRIS 77073 334
HARRIS 77015 335
HARRIS 77029 336
HARRIS 77050 336
HARRIS 77530 336
HARRIS 77336 337
HARRIS 77521 338
HARRIS 77522 338
HARRIS 77365 339
HARRIS 77096 341
HARRIS 77018 342
HARRIS 77206 342
HARRIS 77003 343
HARRIS 77023 344
HARRIS 77223 344
HARRIS 77090 345
HARRIS 77273 345
HARRIS 77066 346
HARRIS 77074 347
HARRIS 77274 347
HARRIS 77064 348
HARRIS 77014 349
HARRIS 77268 349
HARRIS 77290 349
HARRIS 77084 350
HARRIS 77284 350
HARRIS 77004 351
HARRIS 77288 351
HARRIS 77450 352
HARRIS 77081 353
HARRIS 77581 354
HARRIS 77008 355
HARRIS 77248 355
HARRIS 77338 356
HARRIS 77347 356
HARRIS 77051 357
HARRIS 77233 357
HARRIS 77080 358
HARRIS 77280 358
HARRIS 77502 359
HARRIS 77067 360

HARRIS 77047 361
HARRIS 77016 362
HARRIS 77017 362
HARRIS 77037 362
HARRIS 77048 362
HARRIS 77092 362
HARRIS 77217 362
HARRIS 77261 362
HARRIS 77287 362
HARRIS 77021 363
HARRIS 77221 363
HARRIS 77076 364
HARRIS 77093 364
HARRIS 77020 365
HARRIS 77220 365
HARRIS 77022 366
HARRIS 77222 366
HARRIS 77026 367
HARRIS 77226 367
HARRIS 77007 368
HARRIS 77065 369
HARRIS 77504 369
HARRIS 77075 371
HARRIS 77275 371
HARRIS 77501 372
HARRIS 77506 372
HARRIS 77009 373
HARRIS 77249 373
HARRIS 77063 374
HARRIS 77044 375
HARRIS 77060 376
HARRIS 77520 377
HARRIS 77523 377
HARRIS 77068 378
HARRIS 77070 379
HARRIS 77388 381
HARRIS 77085 382
HARRIS 77086 383
HARRIS 77091 384
HARRIS 77291 384
HARRIS 77293 384
HARRIS 77035 385
HARRIS 77038 385
HARRIS 77055 385
HARRIS 77088 385
HARRIS 77231 385
HARRIS 77235 385
HARRIS 77238 385
HARRIS 77243 385
HARRIS 77255 385
HARRIS 77082 386
HARRIS 77083 387
HARRIS 77587 388
HARRIS 77045 389
HARRIS 77028 391
HARRIS 77078 391
HARRIS 77228 391
HARRIS 77033 392
HARRIS 77071 393
HARRIS 77263 393
HARRIS 77271 393
HARRIS 77011 394
HARRIS 77036 395
HARRIS 77236 395
HARRIS 77237 395
HARRIS 77058 396
HARRIS 77072 397
HARRIS 77272 397

HARRIS 77099 398
HARRIS 77411 398
HARRIS 77087 399
HARRIS 77053 401
HARRIS 77494 402
HARRIS 77357 404
HARRIS 77484 406
HARRIS 77449 407
HARRIS 77039 408
HARRIS 77040 408
HARRIS 77240 408
HARRIS 77241 408
HARRIS 77489 411
HARRIS 77377 412
HARRIS 77069 413
HARRIS 77586 414
HIDALGO 78504 416
HIDALGO 78577 416
HIDALGO 78539 417
HIDALGO 78540 417
HIDALGO 78541 417
HIDALGO 78542 417
HIDALGO 78558 417
HIDALGO 78589 417
HIDALGO 78501 418
HIDALGO 78503 418
HIDALGO 78505 418
HIDALGO 78557 418
HIDALGO 78516 419
HIDALGO 78537 419
HIDALGO 78538 419
HIDALGO 78543 419
HIDALGO 78549 419
HIDALGO 78552 419
HIDALGO 78560 419
HIDALGO 78562 419
HIDALGO 78563 419
HIDALGO 78565 419
HIDALGO 78570 419
HIDALGO 78572 419
HIDALGO 78573 419
HIDALGO 78574 419
HIDALGO 78576 419
HIDALGO 78579 419
HIDALGO 78580 419
HIDALGO 78595 419
HIDALGO 78596 419
HIDALGO 78599 419

JONES 79601 110
JONES 79501 758
JONES 79503 758
JONES 79520 758
JONES 79525 758
JONES 79533 758
JONES 79536 758
JONES 79553 758
JONES 79560 758
LUBBOCK 79401 424
LUBBOCK 79402 424
LUBBOCK 79407 424
LUBBOCK 79413 424
LUBBOCK 79415 424
LUBBOCK 79416 424
LUBBOCK 79423 424
LUBBOCK 79490 424
LUBBOCK 79499 424
LUBBOCK 79311 425
LUBBOCK 79329 426
LUBBOCK 79363 426
LUBBOCK 79364 426
LUBBOCK 79366 426
LUBBOCK 79382 426
LUBBOCK 79406 427
LUBBOCK 79409 427
LUBBOCK 79411 427
LUBBOCK 79412 427
LUBBOCK 79414 427
LUBBOCK 79452 427
LUBBOCK 79410 428
LUBBOCK 79350 429
LUBBOCK 79403 429
LUBBOCK 79404 429
LUBBOCK 79358 431
LUBBOCK 79424 431
LUBBOCK 79464 431

MCLENNAN 76689 433
MCLENNAN 76655 434
MCLENNAN 76706 435
MCLENNAN 76798 435
MCLENNAN 76624 436
MCLENNAN 76630 436
MCLENNAN 76633 436
MCLENNAN 76634 436
MCLENNAN 76638 436
MCLENNAN 76640 436
MCLENNAN 76654 436
MCLENNAN 76657 436
MCLENNAN 76561 437
MCLENNAN 76664 438
MCLENNAN 76682 438
MCLENNAN 76684 438
MCLENNAN 76691 438
MCLENNAN 76701 439
MCLENNAN 76704 439
MCLENNAN 76715 439
MCLENNAN 76622 441
MCLENNAN 76643 441
MCLENNAN 76705 441
MCLENNAN 76707 441
MCLENNAN 76557 442
MCLENNAN 76711 443
MCLENNAN 76712 443
MCLENNAN 76716 443
MCLENNAN 76708 444
MCLENNAN 76710 444
MCLENNAN 76524 445

NUECES 78330 70
NUECES 78336 70
NUECES 78339 70
NUECES 78343 70
NUECES 78351 70
NUECES 78362 70
NUECES 78363 70
NUECES 78370 70
NUECES 78380 70
NUECES 78383 70
NUECES 78390 70
NUECES 78406 70
NUECES 78407 70
NUECES 78409 70
NUECES 78410 70
NUECES 78417 70
NUECES 78426 70
NUECES 78460 70
NUECES 78347 71
NUECES 78373 71
NUECES 78401 71
NUECES 78402 71
NUECES 78404 71
NUECES 78405 71
NUECES 78408 71
NUECES 78411 71
NUECES 78412 71
NUECES 78413 71
NUECES 78414 71
NUECES 78415 71
NUECES 78416 71
NUECES 78418 71
NUECES 78419 71
NUECES 78427 71
NUECES 78463 71
NUECES 78465 71
NUECES 78467 71
NUECES 78468 71
NUECES 78472 71
NUECES 78480 71

TARRANT 76008 478
TARRANT 75062 479
TARRANT 76002 481
TARRANT 76040 481
TARRANT 76133 481
TARRANT 76162 481
TARRANT 76163 481
TARRANT 76005 482
TARRANT 76006 482
TARRANT 76120 482
TARRANT 76155 482
TARRANT 76012 483
TARRANT 76016 483
TARRANT 76017 483
TARRANT 76107 483
TARRANT 76123 484
TARRANT 75050 485
TARRANT 76114 486
TARRANT 76011 487
TARRANT 76111 487
TARRANT 76116 488
TARRANT 76134 488
TARRANT 76013 489
TARRANT 76022 489
TARRANT 76053 491
TARRANT 76115 492
TARRANT 76104 493
TARRANT 76110 494
TARRANT 76105 495
TARRANT 76119 495
TARRANT 76106 496
TARRANT 76161 496
TARRANT 76164 496
TARRANT 76122 497
TARRANT 75261 498
TARRANT 76101 499

TARRANT 76102 499
TARRANT 76113 499
TARRANT 76117 500
TARRANT 76039 501
TARRANT 76148 501
TARRANT 76109 502
TARRANT 76129 503
TARRANT 76060 504
TARRANT 76137 504
TARRANT 76180 505
TARRANT 76181 505
TARRANT 76182 505
TARRANT 76071 506
TARRANT 76136 506
TARRANT 76179 506
TARRANT 76019 507
TARRANT 75022 508
TARRANT 75028 508
TARRANT 76051 508
TARRANT 76092 508
TARRANT 76063 509
TARRANT 76112 511
TARRANT 76124 511
TARRANT 76132 512
TARRANT 76021 513
TARRANT 76054 513
TARRANT 76108 514
TARRANT 76126 515
TARRANT 76103 516
TARRANT 76135 517
TARRANT 76131 518
TARRANT 76028 519
TARRANT 75052 521
TARRANT 75054 521
TARRANT 75051 522
TARRANT 76018 523
TARRANT 76096 523
TARRANT 76007 524
TARRANT 76010 524
TARRANT 76014 524
TARRANT 76118 524
TARRANT 76015 525
TARRANT 76034 526
TARRANT 76020 527
TARRANT 76001 528
TARRANT 76248 529
TARRANT 76036 531
TARRANT 76052 532
TARRANT 76177 532
TARRANT 76262 533
TARRANT 76127 534
TARRANT 76140 534
TAYLOR 79563 110
TAYLOR 79601 110
TAYLOR 79602 110
TAYLOR 79603 110
TAYLOR 79605 110
TAYLOR 79606 110
TAYLOR 79607 110
TAYLOR 79697 110
TAYLOR 79698 110
TAYLOR 79699 110
TAYLOR 79508 111
TAYLOR 79519 111
TAYLOR 79530 111
TAYLOR 79536 111
TAYLOR 79541 111
TAYLOR 79561 111

TAYLOR 79562 111
TAYLOR 79566 111
TAYLOR 79567 111
TRAVIS 78654 536
TRAVIS 78634 537
TRAVIS 78757 538
TRAVIS 78727 539
TRAVIS 78750 539
TRAVIS 78759 539
TRAVIS 78620 541
TRAVIS 78663 541
TRAVIS 78739 543
TRAVIS 78613 544
TRAVIS 78664 544
TRAVIS 78617 545
TRAVIS 78621 546
TRAVIS 78669 547
TRAVIS 78748 548
TRAVIS 78610 549
TRAVIS 78729 551
TRAVIS 78728 552
TRAVIS 78753 553
TRAVIS 78708 554
TRAVIS 78718 554
TRAVIS 78758 554
TRAVIS 78752 555
TRAVIS 78730 556
TRAVIS 78615 557
TRAVIS 78705 558
TRAVIS 78713 558
TRAVIS 78724 559
TRAVIS 78734 561
TRAVIS 78744 562
TRAVIS 78760 562
TRAVIS 78641 563
TRAVIS 78642 563

TRAVIS 78741 564
TRAVIS 78749 565
TRAVIS 78645 566
TRAVIS 78701 567
TRAVIS 78704 568
TRAVIS 78764 568
TRAVIS 78751 569
TRAVIS 78735 571
TRAVIS 78736 572
TRAVIS 78731 573
TRAVIS 78712 574
TRAVIS 78726 575
TRAVIS 78710 576
TRAVIS 78754 576
TRAVIS 78756 577
TRAVIS 78723 578
TRAVIS 78745 579
TRAVIS 78652 581
TRAVIS 78719 582
TRAVIS 78725 582
TRAVIS 78747 582
TRAVIS 78732 583
TRAVIS 78742 584
TRAVIS 78738 585
TRAVIS 78702 586
TRAVIS 78762 586
TRAVIS 78703 587
TRAVIS 78660 588
TRAVIS 78691 588
TRAVIS 78716 589
TRAVIS 78746 589
TRAVIS 78653 591
TRAVIS 78722 592
TRAVIS 78737 593
TRAVIS 78721 594
TRAVIS 78799 594
TRAVIS 78612 595
TRAVIS 78733 596
TRAVIS 78640 597
Group Rate Factor

No 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Yes 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900

4 < 1990 0.210 0.420
5 < 1990 0.250 0.520
6 < 1990 0.380 0.620
7 < 1990 0.490 0.700
8 < 1990 0.640 0.800
10 < 1990 0.800 0.880
11 < 1990 0.960 0.970
12 < 1990 1.140 1.070
13 < 1990 1.370 1.180
14 < 1990 1.640 1.320
15 < 1990 1.950 1.480
16 < 1990 2.270 1.650
17 < 1990 2.640 1.800
18 < 1990 3.060 1.940
19 < 1990 3.550 2.110
20 < 1990 4.140 2.320
21 < 1990 5.170 2.710
1 1990 - 2010 0.380 0.620
2 1990 - 2010 0.490 0.700
3 1990 - 2010 0.590 0.770
4 1990 - 2010 0.670 0.820
5 1990 - 2010 0.750 0.860
6 1990 - 2010 0.840 0.900
7 1990 - 2010 0.920 0.950
8 1990 - 2010 1.000 1.000
10 1990 - 2010 1.090 1.050
11 1990 - 2010 1.200 1.100
12 1990 - 2010 1.310 1.150
13 1990 - 2010 1.430 1.210
14 1990 - 2010 1.560 1.280
15 1990 - 2010 1.720 1.370
16 1990 - 2010 1.870 1.440
17 1990 - 2010 2.020 1.520
18 1990 - 2010 2.160 1.600
19 1990 - 2010 2.340 1.680
20 1990 - 2010 2.540 1.760
21 1990 - 2010 2.770 1.840
22 1990 - 2010 3.060 1.940
23 1990 - 2010 3.370 2.050
24 1990 - 2010 3.830 2.210
25 1990 - 2010 4.490 2.460
26 1990 - 2010 5.170 2.710
1 2011+ 0.310 0.440
2 2011+ 0.380 0.550
3 2011+ 0.470 0.670
4 2011+ 0.580 0.770
5 2011+ 0.660 0.820
6 2011+ 0.730 0.850
7 2011+ 0.810 0.880
8 2011+ 0.870 0.920
10 2011+ 0.940 0.960
11 2011+ 1.000 1.000
12 2011+ 1.060 1.030
13 2011+ 1.110 1.060
14 2011+ 1.160 1.080
15 2011+ 1.220 1.110
16 2011+ 1.270 1.130

17 2011+ 1.330 1.160
18 2011+ 1.390 1.190
19 2011+ 1.440 1.220
20 2011+ 1.490 1.240
21 2011+ 1.540 1.270
22 2011+ 1.590 1.300
23 2011+ 1.640 1.330
24 2011+ 1.690 1.350
25 2011+ 1.740 1.380
26 2011+ 1.780 1.400
27 2011+ 1.830 1.420
28 2011+ 1.880 1.450
29 2011+ 1.920 1.470
30 2011+ 1.970 1.500
31 2011+ 2.020 1.520
32 2011+ 2.060 1.540
33 2011+ 2.100 1.570
34 2011+ 2.150 1.590
35 2011+ 2.190 1.610
36 2011+ 2.250 1.640
37 2011+ 2.320 1.670
38 2011+ 2.390 1.700
39 2011+ 2.450 1.720
40 2011+ 2.520 1.750
41 2011+ 2.580 1.770
42 2011+ 2.650 1.800
43 2011+ 2.710 1.820
44 2011+ 2.780 1.840
45 2011+ 2.840 1.860
46 2011+ 2.910 1.860
47 2011+ 2.990 1.920
48 2011+ 3.070 1.940
49 2011+ 3.150 1.970
50 2011+ 3.220 2.000
51 2011+ 3.300 2.030
52 2011+ 3.380 2.050
53 2011+ 3.450 2.080
54 2011+ 3.570 2.120
55 2011+ 3.720 2.170
56 2011+ 3.880 2.230
57 2011+ 4.020 2.280
58 2011+ 4.250 2.370
59 2011+ 4.550 2.480
60 2011+ 4.860 2.590
61 2011+ 5.180 2.730
62 2011+ 5.500 2.890
63 2011+ 5.830 3.040
64 2011+ 6.160 3.200
65 2011+ 6.480 3.350
66 2011+ 6.980 3.580
67 2011+ 7.650 3.900
68 2011+ 8.310 4.220
69 2011+ 8.970 4.540
70 2011+ 9.640 4.850
71 2011+ 10.310 5.160
72 2011+ 10.980 5.470
73 2011+ 11.650 5.780
74 2011+ 12.320 6.090
75 2011+ 12.990 6.400
Each Add'l $10k * < 1990 0.670 0.310

Each Add'l $10k * 1990 - 2010 0.670 0.310
Each Add'l $10k ** 2011+ 0.670 0.310
Notes:
Vehicle Age Factor

0 0.880 0.880 0.789 0.789 0.839 0.768
1 0.886 0.886 0.811 0.811 0.899 0.797
2 0.901 0.901 0.843 0.843 0.925 0.817
3 0.919 0.919 0.878 0.878 0.939 0.833
4 0.938 0.938 0.910 0.910 0.926 0.845
5 0.957 0.957 0.941 0.941 0.904 0.853
6 0.946 0.946 0.926 0.926 0.880 0.817
7 0.936 0.936 0.911 0.911 0.853 0.773
8 0.925 0.925 0.895 0.895 0.818 0.729
9 0.915 0.915 0.881 0.881 0.784 0.686
10 0.904 0.904 0.865 0.865 0.749 0.643
11 0.893 0.893 0.849 0.849 0.713 0.599
12 0.883 0.883 0.835 0.835 0.679 0.556
13 0.873 0.873 0.819 0.819 0.647 0.513
14 0.863 0.863 0.804 0.804 0.626 0.481
15 0.852 0.852 0.789 0.789 0.604 0.449
16 0.842 0.842 0.773 0.773 0.584 0.416
17 0.831 0.831 0.759 0.759 0.561 0.384
18 0.820 0.820 0.739 0.739 0.540 0.352
19 0.810 0.810 0.718 0.718 0.519 0.319
20 0.799 0.799 0.713 0.713 0.497 0.287
21 0.789 0.789 0.697 0.697 0.476 0.255
22 0.778 0.778 0.682 0.682 0.454 0.243
23 0.778 0.778 0.682 0.682 0.454 0.243
>= 24 0.778 0.778 0.682 0.682 0.454 0.243
Limit Non-CSL CSL

30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.480 N/A
250,000 / 500,000 1.610 N/A
300,000 / 300,000 1.540 1.540
325,000 / 325,000 1.560 1.560
300,000 / 500,000 1.630 N/A
500,000 / 500,000 1.680 1.680
500,000 / 1,000,000 1.780 N/A
1,000,000 / 1,000,000 2.020 2.020
Limit Non-CSL CSL

25,000 1.000 N/A
50,000 1.040 N/A
100,000 1.090 N/A
300,000 1.190 1.071
325,000 1.195 1.076
500,000 1.220 1.098
1,000,000 1.290 1.161
Limit Factor
No Coverage 0.000
1,000 1.000
2,000 1.740
5,000 2.560
10,000 3.260
25,000 4.210
50,000 4.740
Limit Factor
No Coverage 0.000
2,500 0.540
5,000 0.690
10,000 1.000
25,000 1.490
50,000 1.670

30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.670 N/A
250,000 / 500,000 2.100 N/A
300,000 / 300,000 1.770 1.310
325,000 / 325,000 1.810 1.360
300,000 / 500,000 2.120 N/A
500,000 / 500,000 2.270 1.680
500,000 / 1,000,000 2.380 N/A
1,000,000 / 1,000,000 2.590 1.920
Limit UM/UIMPD
No Coverage 0.000
25,000 1.000
50,000 1.230
100,000 1.360
300,000 1.880
325,000 1.950
500,000 2.400
1,000,000 3.700
Deductible Factor
No Coverage 0.000
500 0.920
1,000 0.800
2,500 0.620
5,000 0.490
10,000 0.380
Deductible Factor
No Coverage 0.000
500 1.000
1,000 0.890
2,500 0.700
5,000 0.520
10,000 0.320
Revised

Vehicle Use Factors
Usage Factor
Farm 0.900
Business 1.250
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Revised

Months Since
Points Last Incident Additive Factor
0 0 – 12 0.000
1 0 – 12 0.310
2 0 – 12 0.620
3 0 – 12 0.930
4 0 – 12 1.240
5 0 – 12 1.560
6 0 – 12 1.860
7 0 – 12 2.160
8 0 – 12 2.460
9 0 – 12 2.760
10 0 – 12 3.050
11 0 – 12 3.350
0 13 – 24 0.000
1 13 – 24 0.200
2 13 – 24 0.400
3 13 – 24 0.600
4 13 – 24 0.800
5 13 – 24 1.000
6 13 – 24 1.370
7 13 – 24 1.740
8 13 – 24 2.110
9 13 – 24 2.480
10 13 – 24 2.840
11 13 – 24 3.120
0 25 – 35 0.000
1 25 – 35 0.180
2 25 – 35 0.360
3 25 – 35 0.540
4 25 – 35 0.720
5 25 – 35 0.900
6 25 – 35 1.250
7 25 – 35 1.600
8 25 – 35 1.950
9 25 – 35 2.300
10 25 – 35 2.630
11 25 – 35 2.900
Any 36+ 0.000
Each Add'l Pt 0 – 12 +0.300

Each Add'l Pt 13 – 24 +0.280
Each Add'l Pt 25 – 35 +0.270
Accident Surcharge
Number of
0 0 – 12 0.000
1 0 – 12 0.580
2 0 – 12 1.350
3 0 – 12 2.450
4 0 – 12 3.740
0 13 – 24 0.000
1 13 – 24 0.490
2 13 – 24 1.230
3 13 – 24 2.280
4 13 – 24 3.510
0 25 – 35 0.000
1 25 – 35 0.410
2 25 – 35 1.110
3 25 – 35 2.100
4 25 – 35 3.270
0 36+ 0.000


No 1.000
Yes 0.870

No 1.000
Yes 1.400
Years with
Financial Tesla
1 - 0.630 0.630 0.370 0.370 0.490 0.540 0.370 0.370 0.540
2 - 0.680 0.680 0.420 0.420 0.520 0.590 0.420 0.420 0.590
3 - 0.710 0.710 0.480 0.480 0.550 0.620 0.480 0.480 0.620
4 - 0.760 0.760 0.530 0.530 0.580 0.660 0.530 0.530 0.660
5 - 0.790 0.790 0.590 0.590 0.600 0.710 0.590 0.590 0.710
6 - 0.820 0.820 0.640 0.640 0.630 0.740 0.640 0.640 0.740
7 - 0.850 0.850 0.680 0.680 0.660 0.770 0.680 0.680 0.770
8 - 0.910 0.910 0.740 0.740 0.710 0.820 0.740 0.740 0.820
9 - 0.930 0.930 0.780 0.780 0.740 0.850 0.780 0.780 0.850
10 - 0.950 0.950 0.810 0.810 0.790 0.870 0.810 0.810 0.870
11 - 0.970 0.970 0.860 0.860 0.840 0.900 0.860 0.860 0.900
12 - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Order - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Score <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No Score 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No Score 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680
No-Hit <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No-Hit 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No-Hit 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680

1 1 N 1.010 1.010 0.980 0.980 0.930 1.000
1 1 Y 1.030 1.030 0.940 0.940 1.090 1.130
1 2 N 1.070 1.070 1.190 1.190 0.960 1.060
1 2 Y 1.190 1.190 1.170 1.170 1.140 1.260
1 3 N 1.070 1.070 1.200 1.200 0.960 1.060
1 3 Y 1.150 1.150 1.110 1.110 1.130 1.260
1 4 N 1.070 1.070 1.220 1.220 0.960 1.060
1 4 Y 1.150 1.150 1.120 1.120 1.130 1.260
2 1 N 0.930 0.930 0.910 0.910 1.100 0.800
2 1 Y 1.010 1.010 0.940 0.940 1.240 1.000
2 2 N 1.000 1.000 1.000 1.000 1.000 1.000
2 2 Y 1.120 1.120 0.970 0.970 1.140 1.160
2 3 N 1.070 1.070 1.220 1.220 1.020 1.060
2 3 Y 1.150 1.150 1.140 1.140 1.150 1.260
2 4 N 1.070 1.070 1.230 1.230 1.020 1.060
2 4 Y 1.150 1.150 1.150 1.150 1.150 1.260
3 1 N 0.910 0.910 0.890 0.890 1.120 0.800
3 1 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 2 N 0.910 0.910 0.900 0.900 1.120 0.800
3 2 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 3 N 0.990 0.990 1.050 1.050 1.030 1.000
3 3 Y 1.080 1.080 1.010 1.010 1.140 1.160
3 4 N 1.060 1.060 1.220 1.220 1.050 1.060
3 4 Y 1.140 1.140 1.130 1.130 1.160 1.260
4 1 N 0.910 0.910 0.890 0.890 1.120 0.800
4 1 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 2 N 0.910 0.910 0.900 0.900 1.120 0.800
4 2 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 3 N 0.910 0.910 0.980 0.980 1.120 0.800
4 3 Y 0.990 0.990 0.920 0.920 1.230 1.000
4 4 N 0.990 0.990 1.060 1.060 1.030 1.000
4 4 Y 1.070 1.070 1.020 1.020 1.140 1.160

Revised

Restraint Type
U Unknown 1.000
Revised
Safety Tier Factor

Safety Tier 10 0.270 0.270 0.270 0.270 0.270 0.270
Safety Tier 9 0.310 0.310 0.310 0.310 0.310 0.310
Safety Tier 8 0.350 0.350 0.350 0.350 0.350 0.350
Safety Tier 7 0.370 0.370 0.370 0.370 0.370 0.370
Safety Tier 6 0.400 0.400 0.400 0.400 0.400 0.400
Safety Tier 5 0.480 0.480 0.480 0.480 0.480 0.480
Safety Tier 4 0.550 0.550 0.550 0.550 0.550 0.550
Safety Tier 3 0.690 0.690 0.690 0.690 0.690 0.690
Safety Tier 2 0.820 0.820 0.820 0.820 0.820 0.820
Safety Tier 1 1.000 1.000 1.000 1.000 1.000 1.000
Opt Out 1.000 1.000 1.000 1.000 1.000 1.000
Unconnected Car 0.524 0.524 0.524 0.524 0.524 0.524
Matrix Factor
Financial Multi-Car
1 No 0.930 0.930 0.890 0.890 0.900 0.920
1 Yes 0.800 0.800 0.800 0.800 0.790 0.810
2 No 0.930 0.930 0.890 0.890 0.900 0.920
2 Yes 0.800 0.800 0.800 0.800 0.790 0.810
3 No 0.930 0.930 0.890 0.890 0.900 0.920
3 Yes 0.800 0.800 0.800 0.800 0.790 0.810
4 No 0.930 0.930 0.890 0.890 0.900 0.920
4 Yes 0.800 0.800 0.800 0.800 0.790 0.810
5 No 0.930 0.930 0.890 0.890 0.900 0.920
5 Yes 0.800 0.800 0.800 0.800 0.790 0.810
6 No 0.930 0.930 0.890 0.890 0.900 0.920
6 Yes 0.800 0.800 0.800 0.800 0.790 0.810
7 No 0.930 0.930 0.890 0.890 0.900 0.920
7 Yes 0.800 0.800 0.800 0.800 0.790 0.810
8 No 0.930 0.930 0.890 0.890 0.900 0.920
8 Yes 0.800 0.800 0.800 0.800 0.790 0.810
9 No 0.930 0.930 0.890 0.890 0.900 0.920
9 Yes 0.800 0.800 0.800 0.800 0.790 0.810
10 No 0.930 0.930 0.890 0.890 0.900 0.920
10 Yes 0.800 0.800 0.800 0.800 0.790 0.810
11 No 0.930 0.930 0.890 0.890 0.900 0.920
11 Yes 0.800 0.800 0.800 0.800 0.790 0.810
12 No 0.930 0.930 0.890 0.890 0.900 0.920
12 Yes 0.800 0.800 0.800 0.800 0.790 0.810
NO No 0.930 0.930 0.890 0.890 0.900 0.920
NO Yes 0.800 0.800 0.800 0.800 0.790 0.810
NS No 0.930 0.930 0.890 0.890 0.900 0.920
NS Yes 0.800 0.800 0.800 0.800 0.790 0.810
NH No 0.930 0.930 0.890 0.890 0.900 0.920
NH Yes 0.800 0.800 0.800 0.800 0.790 0.810
Companion Discount
Companion Factor
Yes 0.955
No 1.000
Coverage Expenses

Expense $6.17 $6.33 $0.98 $1.63 $5.57 $12.58
Coverage Fee
Crime Fee $2.00
Auto Loan/Lease Gap

Coverage Factor
Yes 0.050
No 0.000
Roadside Assistance
Package Base
Basic 11
Plus 21

Limit Vehicle
In-Network 32
$30/$900 35
40/1,200 46
50/1,500 56
60/1,800 65
75/2,250 75
125/2,500 105
250/5,000 180
500/7,500 269

Rating Algorithm
UM/UIMBI Rental
Step Rate Order of Calculation BI PD MED PIP COMP COLL UM/UIMBI CSL UM/UIMPD Roadside Reimbursement GAP - COMP GAP - COLL
1 Base Rate

Notes:
3. If optional GAP coverage elected, GAP base rate = collision or comprehensive base rate x 0.05 factor from miscellanous optional coverages tab.
Policy Level

Find this based on insurance score used and then find the factor based on the financial responsibility class, years with
6 Financial Responsibility Factor x Tesla Insurance Srvcs, and coverage type.

Base Rate 332.55 373.57 43.09 214.21 302.52 609.92 43.95 70.52 13.67
Territory Factors

1 0.174 1.561 0.835 0.812 0.549 1.135 0.813 0.828 1.559
2 0.174 1.298 0.913 0.877 0.540 1.103 0.826 0.846 1.546
3 0.728 1.167 0.896 0.811 0.554 1.040 0.783 0.798 1.570
4 0.954 1.350 0.963 0.985 0.555 1.225 0.945 0.966 1.570
5 0.731 1.151 0.877 0.811 0.562 1.044 0.783 0.799 1.381
6 0.790 1.233 0.862 0.840 0.552 1.136 0.771 0.784 1.550
7 0.704 1.146 0.872 0.850 0.507 0.997 0.746 0.762 1.394
8 0.693 1.246 0.862 0.846 0.525 1.054 0.758 0.773 1.394
9 0.860 1.324 0.931 0.863 0.590 1.188 0.879 0.901 1.540
11 0.731 1.217 0.827 0.802 0.508 1.011 0.779 0.801 1.606
12 0.796 1.180 0.899 0.811 0.550 1.096 0.856 0.874 1.570
14 0.842 1.303 0.931 0.893 0.557 1.204 0.912 0.930 1.788
15 0.964 1.331 1.037 1.026 0.616 1.108 0.979 0.996 1.546
16 0.818 1.314 0.926 0.925 0.554 1.121 0.860 0.880 1.421
18 0.949 1.238 1.032 0.988 0.604 1.055 1.089 1.091 1.156
19 1.038 1.326 1.064 0.953 0.685 1.233 0.969 0.977 1.358
20 1.059 1.329 1.077 0.997 0.714 1.132 0.969 0.975 1.199
24 0.993 1.259 1.045 1.032 0.537 0.938 0.999 1.002 1.106
25 1.044 1.336 1.106 1.105 0.600 1.030 1.111 1.115 1.043
26 0.981 1.299 1.037 1.035 0.565 1.175 1.032 1.038 1.189
27 1.008 1.298 1.069 1.094 0.546 1.027 1.008 1.012 1.209
28 0.953 1.261 1.027 0.952 0.513 1.045 1.013 1.020 1.202
29 0.995 1.280 1.141 1.056 0.552 0.995 1.032 1.033 1.311
31 0.967 1.342 1.050 1.088 0.553 1.076 1.017 1.018 1.083
34 1.033 1.299 1.069 1.054 0.713 1.001 1.048 1.051 1.311
35 0.995 1.132 1.077 0.978 0.668 0.931 0.980 0.979 1.202
36 0.934 1.169 0.971 0.953 0.526 0.990 0.971 0.974 1.245
37 1.173 1.229 1.200 1.192 0.666 1.226 1.114 1.120 1.248
38 1.003 1.135 1.077 1.003 0.583 0.972 1.042 1.047 1.099
39 1.163 1.255 1.127 1.146 0.674 1.351 1.122 1.130 1.298
44 0.971 1.053 1.123 1.079 0.582 0.976 1.038 1.041 1.145
45 1.091 1.081 1.181 1.116 0.593 1.065 1.106 1.109 1.172
46 1.124 1.261 1.151 1.136 0.725 1.069 1.094 1.095 1.265
47 1.030 1.203 1.077 0.946 0.626 0.978 1.048 1.051 1.311
48 1.154 1.167 1.114 1.043 0.780 1.112 1.207 1.207 1.175
49 0.972 1.191 1.018 0.981 0.534 1.008 0.996 1.000 1.272
51 0.970 1.191 0.990 0.959 0.524 0.983 0.982 0.986 1.238
52 1.042 1.148 1.069 1.005 0.654 0.989 1.032 1.036 1.199
53 1.111 1.402 1.181 1.171 0.543 1.038 1.124 1.125 1.218
54 1.108 1.367 1.106 1.069 0.544 0.998 1.119 1.120 1.202
55 1.044 1.288 1.077 1.045 0.625 1.130 1.098 1.101 1.248
56 1.084 1.373 1.181 1.057 0.577 1.134 1.175 1.177 1.228
57 1.072 1.306 1.099 1.016 0.551 1.004 1.076 1.077 1.175
58 1.088 1.351 1.141 0.991 0.684 0.998 1.083 1.084 1.291
59 1.051 1.226 1.141 1.039 0.687 0.999 1.113 1.116 1.212
60 1.571 1.726 1.319 1.646 0.666 1.621 1.259 1.262 1.401
61 1.128 1.322 1.188 1.148 0.597 1.178 1.208 1.211 1.228
62 1.061 1.243 1.181 1.118 0.595 1.033 1.080 1.079 1.175
63 1.136 1.139 1.218 1.088 0.558 0.998 1.101 1.102 1.109
64 1.285 1.229 1.213 1.178 0.736 1.092 1.106 1.108 1.175
65 1.179 1.194 1.127 0.993 0.663 1.101 1.087 1.089 1.272
66 0.981 1.333 1.053 0.998 0.568 1.051 1.034 1.038 1.285
67 1.210 1.349 1.192 1.101 0.730 1.275 1.217 1.218 1.301
Territory Factors

68 1.088 1.254 1.242 1.106 0.608 1.157 1.168 1.171 1.301
69 1.004 1.294 1.050 0.989 0.528 0.910 1.045 1.051 1.126
70 1.547 1.491 1.465 1.327 0.776 1.472 1.269 1.274 1.209
71 1.598 1.645 1.497 1.291 0.752 1.389 1.289 1.295 1.225
72 1.115 1.492 1.131 1.079 0.763 1.186 1.114 1.119 1.145
73 0.895 1.164 0.926 0.894 0.519 1.039 0.958 0.962 1.182
74 0.897 1.030 1.013 1.092 0.523 0.912 0.989 0.990 1.099
75 0.954 1.114 1.008 0.977 0.599 0.987 1.035 1.038 1.056
76 1.024 1.204 1.173 1.099 0.750 1.062 1.104 1.107 1.238
77 1.038 1.129 1.151 1.050 0.736 1.057 1.087 1.089 1.311
78 1.012 1.211 1.027 1.023 0.590 1.092 1.124 1.126 1.265
79 0.926 1.186 0.990 0.962 0.524 0.964 1.051 1.055 1.069
80 1.103 1.384 1.106 1.042 0.730 1.219 1.072 1.073 1.175
81 1.219 1.320 1.181 1.049 0.743 1.122 1.106 1.110 1.275
82 1.012 1.106 1.040 0.979 0.679 0.945 1.054 1.057 1.228
83 0.987 1.206 1.064 1.015 0.643 0.983 1.051 1.055 1.209
84 1.095 1.301 1.095 0.956 0.732 1.179 1.058 1.063 1.145
85 1.017 1.357 0.986 0.956 0.565 0.972 1.085 1.089 1.189
86 1.119 1.497 1.114 1.062 0.719 1.281 1.124 1.125 1.272
87 1.163 1.318 1.296 1.124 0.672 1.177 1.068 1.070 1.321
88 1.223 1.240 1.196 1.054 0.634 1.145 1.111 1.111 1.291
89 1.002 1.140 1.064 1.003 0.556 0.981 1.032 1.034 1.145
90 1.185 1.320 1.274 1.148 0.733 1.145 1.144 1.144 1.291
91 1.246 1.289 1.205 1.069 0.727 1.224 1.120 1.120 1.301
92 1.053 1.104 1.095 1.040 0.605 0.936 1.045 1.051 1.056
93 1.049 1.309 1.099 1.019 0.565 1.117 1.101 1.103 1.225
94 0.985 1.193 0.995 1.002 0.551 1.108 1.061 1.063 1.275
95 1.098 1.388 1.131 1.144 0.565 1.045 1.083 1.086 1.175
96 0.971 1.207 1.141 1.114 0.673 1.118 1.055 1.056 1.354
97 1.023 1.299 1.000 0.952 0.597 1.020 1.017 1.020 1.166
98 0.947 1.221 0.954 0.905 0.492 0.949 1.013 1.015 1.106
99 1.094 1.310 1.114 1.164 0.553 1.079 1.168 1.166 1.520
100 1.051 1.339 1.095 1.021 0.577 0.973 1.074 1.079 1.162
101 0.989 1.241 1.000 0.962 0.502 1.016 1.029 1.033 1.156
102 1.253 1.413 1.196 1.191 0.718 1.354 1.192 1.194 1.225
104 1.026 1.533 0.954 0.962 0.505 1.246 0.919 0.937 1.917
105 0.957 1.622 0.921 0.910 0.441 1.178 0.827 0.844 2.205
106 0.960 1.514 1.000 0.923 0.492 1.213 0.879 0.895 2.073
107 1.003 1.529 0.946 0.980 0.502 1.183 0.894 0.915 1.930
108 0.915 1.480 0.958 0.970 0.457 1.180 0.889 0.911 2.013
109 1.002 1.540 0.986 0.966 0.474 1.218 0.918 0.943 1.980
110 0.692 1.250 0.885 0.838 0.866 1.089 0.752 0.769 1.007
111 0.785 1.273 0.954 0.879 0.865 1.035 0.847 0.868 0.901
113 0.930 1.527 0.954 1.069 0.524 1.169 0.798 0.815 1.944
114 0.816 1.460 0.830 0.834 0.449 1.049 0.733 0.746 1.546
116 0.871 1.490 0.954 0.905 0.451 1.065 0.798 0.819 2.136
117 0.887 1.580 0.986 0.919 0.466 1.194 0.826 0.847 1.778
118 0.904 1.626 0.966 0.973 0.502 1.206 0.808 0.823 1.559
119 0.879 1.495 0.848 0.906 0.442 1.180 0.766 0.781 2.023
120 1.282 1.213 1.309 0.974 1.581 1.356 1.144 1.147 1.126
121 0.934 1.559 0.931 0.907 0.450 1.078 0.781 0.799 2.060
122 0.980 1.629 1.072 0.971 0.455 1.213 0.851 0.872 2.060
123 1.067 1.555 1.022 1.032 0.453 1.233 0.869 0.889 2.520
Territory Factors

124 1.037 1.572 1.013 0.960 0.501 1.261 0.961 0.980 2.079
125 1.030 1.358 0.817 0.838 0.405 1.121 0.818 0.832 2.503
127 0.972 1.543 1.003 0.958 0.467 1.183 0.824 0.837 2.692
128 0.917 1.402 0.990 0.959 0.469 1.156 0.849 0.869 2.301
129 0.978 1.280 0.963 0.884 0.468 1.059 0.839 0.858 2.050
130 0.934 1.187 1.099 1.060 0.654 1.204 0.898 0.916 1.619
132 1.123 1.564 1.072 1.153 0.629 1.335 1.026 1.031 1.741
133 1.127 1.565 1.082 1.069 0.603 1.282 0.927 0.931 1.732
134 1.141 1.647 1.114 1.140 0.679 1.339 1.052 1.054 1.811
135 1.391 1.642 1.324 1.716 0.845 1.449 1.246 1.248 1.381
136 1.055 1.508 1.210 1.181 0.606 1.316 1.052 1.056 1.844
137 1.277 1.668 1.337 1.418 0.746 1.404 1.076 1.077 1.546
138 1.543 1.921 1.546 1.741 0.832 1.595 1.306 1.311 1.513
139 1.619 1.880 1.465 1.863 0.839 1.636 1.367 1.375 1.513
140 0.954 1.524 0.963 0.918 1.575 1.318 1.308 1.334 2.301
141 1.249 1.584 1.250 1.347 0.739 1.346 1.091 1.092 1.540
142 1.430 1.876 1.391 1.564 0.814 1.492 1.135 1.134 1.483
143 1.522 2.008 1.470 1.693 0.876 1.619 1.286 1.290 1.500
144 1.375 1.849 1.410 1.744 1.011 1.496 1.253 1.256 1.421
145 1.428 1.735 1.386 1.532 0.975 1.716 1.306 1.309 1.457
146 1.069 1.480 1.138 1.257 0.809 1.246 0.929 0.931 1.220
147 1.516 1.794 1.542 2.029 1.085 1.589 1.319 1.325 1.493
148 1.460 1.781 1.521 2.017 1.176 1.518 1.192 1.197 1.440
149 1.183 1.655 1.274 1.127 0.651 1.386 1.155 1.158 1.675
150 1.140 1.624 1.114 1.120 0.684 1.476 1.072 1.075 1.851
151 1.629 2.274 1.607 1.788 0.819 1.639 1.348 1.351 1.642
152 1.194 1.633 1.151 1.127 0.650 1.334 1.093 1.097 1.894
153 1.315 1.804 1.319 1.379 0.778 1.544 1.174 1.177 1.500
154 1.591 1.876 1.442 1.717 0.822 1.732 1.347 1.349 1.477
155 1.507 1.931 1.506 1.824 0.998 1.601 1.318 1.324 1.530
156 1.380 1.589 1.287 1.431 0.731 1.492 1.156 1.162 1.404
157 1.417 1.704 1.575 1.908 0.894 1.556 1.309 1.312 1.473
158 1.252 1.672 1.250 1.561 0.850 1.536 1.132 1.136 1.437
159 1.235 1.809 1.373 1.363 0.726 1.425 1.104 1.108 1.570
160 0.703 1.013 0.971 0.844 1.170 0.967 0.966 0.985 1.795
161 1.027 1.511 1.205 1.238 0.698 1.351 1.109 1.112 2.026
162 1.609 2.034 1.675 1.994 0.859 1.697 1.334 1.340 1.510
163 1.215 1.814 1.176 1.201 0.657 1.533 1.127 1.130 1.603
164 1.080 1.591 1.141 1.121 0.595 1.331 1.100 1.102 1.639
165 1.210 1.865 1.324 1.347 0.648 1.453 1.119 1.122 1.702
166 1.084 1.690 1.072 1.099 0.636 1.425 1.078 1.081 1.821
167 1.554 2.049 1.633 1.943 0.741 1.581 1.345 1.350 1.450
168 1.515 1.879 1.391 1.359 0.736 1.518 1.282 1.290 1.450
169 1.393 1.822 1.287 1.367 0.741 1.369 1.111 1.116 1.520
170 1.323 1.887 1.447 1.770 0.906 1.445 1.208 1.213 1.308
171 1.098 1.574 1.213 1.147 0.664 1.381 1.089 1.093 1.715
172 1.161 1.689 1.123 1.094 0.684 1.238 1.100 1.102 1.401
173 1.056 1.517 1.064 1.044 0.663 1.337 1.046 1.047 2.073
174 1.199 1.705 1.309 1.288 0.766 1.396 1.117 1.119 1.665
175 1.275 1.997 1.205 1.509 0.738 1.562 1.124 1.128 1.447
176 1.180 1.650 1.176 1.284 0.627 1.419 1.101 1.104 1.483
177 1.094 1.548 1.077 1.059 0.624 1.272 1.022 1.028 1.712
178 1.234 1.594 1.304 1.260 0.707 1.299 1.168 1.170 1.592
Territory Factors

180 1.087 1.619 1.196 1.194 0.676 1.353 1.076 1.081 1.685
181 1.124 1.643 0.997 1.201 0.767 1.280 0.894 0.896 1.154
182 1.321 1.917 1.263 1.411 0.675 1.388 1.109 1.112 1.473
183 1.039 1.603 1.229 1.188 0.630 1.283 1.107 1.109 1.712
184 1.053 1.578 1.064 1.133 0.606 1.294 1.048 1.051 1.775
185 1.304 1.589 1.324 1.278 0.727 1.472 1.208 1.213 1.881
186 1.592 1.786 1.720 1.973 0.869 1.539 1.315 1.321 1.632
187 1.604 1.951 1.521 1.773 0.909 1.686 1.373 1.378 1.450
188 1.373 1.626 1.420 1.436 0.907 1.387 1.174 1.177 1.440
189 1.712 1.854 2.016 2.288 1.267 1.611 1.467 1.474 1.513
190 1.528 1.756 1.675 1.985 1.075 1.655 1.396 1.403 1.659
191 1.593 1.698 1.917 2.188 1.215 1.575 1.455 1.460 1.483
192 1.459 1.687 1.612 1.838 1.029 1.605 1.365 1.369 1.632
193 1.269 1.582 1.452 1.406 0.679 1.365 1.127 1.132 1.632
194 1.248 1.547 1.210 1.158 0.607 1.351 1.127 1.131 1.732
195 1.245 1.666 1.245 1.132 0.657 1.370 1.085 1.091 1.841
196 1.462 1.816 1.361 1.439 0.707 1.537 1.234 1.239 1.679
197 1.297 1.687 1.242 1.241 0.733 1.374 1.146 1.150 1.559
198 1.383 1.929 1.502 1.493 0.820 1.509 1.260 1.264 1.702
199 1.318 1.599 1.285 1.402 0.763 1.230 0.969 0.973 1.164
200 0.945 1.384 0.859 0.838 0.937 1.269 1.436 1.468 2.109
201 1.335 1.862 1.373 1.405 0.752 1.411 1.175 1.181 1.576
202 1.588 1.836 1.657 1.875 1.060 1.512 1.269 1.272 1.483
203 1.623 1.996 1.647 1.953 0.955 1.572 1.217 1.223 1.381
204 1.115 1.636 1.087 1.121 0.567 1.203 1.096 1.101 1.669
205 1.197 1.721 1.159 1.159 0.663 1.358 1.072 1.079 1.592
206 1.140 1.631 1.210 1.172 0.611 1.391 1.059 1.061 1.738
207 1.159 1.661 1.255 1.142 0.737 1.417 1.144 1.150 1.692
208 1.308 1.773 1.442 1.716 0.980 1.539 1.136 1.140 1.493
209 1.298 1.696 1.268 1.416 0.808 1.567 1.272 1.278 1.659
210 1.496 1.761 1.452 1.475 0.654 1.525 1.518 1.521 1.669
212 0.806 1.241 1.003 0.981 0.453 1.143 0.895 0.914 1.301
213 0.912 1.629 0.598 1.026 0.443 1.107 0.571 0.582 1.311
214 0.981 1.626 1.013 0.987 0.433 1.025 0.851 0.868 1.394
215 0.822 1.111 0.958 0.752 0.469 0.985 0.759 0.777 1.344
216 0.665 1.116 1.022 0.765 0.431 1.171 0.831 0.848 1.401
217 0.899 1.088 0.941 0.750 0.401 0.816 0.781 0.798 1.010
218 0.943 1.457 0.667 0.609 0.503 1.115 0.538 0.549 1.477
219 0.704 1.218 0.724 0.686 0.420 0.759 0.593 0.604 1.046
220 1.654 2.029 1.492 1.646 0.866 1.576 1.187 1.189 0.891
221 0.774 1.107 0.934 0.680 0.433 0.765 0.676 0.691 1.079
222 0.994 1.469 0.530 0.548 0.423 1.016 0.501 0.509 1.381
223 0.714 1.126 0.913 0.917 0.482 0.912 0.840 0.858 1.301
224 0.882 1.528 0.526 0.724 0.460 0.999 0.485 0.493 1.261
225 0.948 1.626 0.689 0.712 0.352 1.163 0.589 0.600 1.570
226 0.729 1.275 0.822 0.832 0.440 0.942 0.761 0.779 1.142
227 0.562 1.491 0.654 0.604 0.343 1.133 0.739 0.757 1.381
228 0.858 1.215 1.000 0.763 0.461 0.878 0.800 0.816 1.265
229 0.599 1.210 0.885 0.906 0.440 0.792 0.868 0.885 1.245
232 0.700 1.114 1.040 1.020 0.457 1.056 0.831 0.853 1.427
234 0.870 1.532 1.013 0.959 0.505 1.092 0.827 0.844 1.421
235 0.862 1.250 0.995 0.945 0.412 0.961 0.808 0.828 1.199
236 0.713 1.103 0.926 0.897 0.412 0.799 0.761 0.779 1.043
Territory Factors

237 0.870 1.528 0.630 0.604 0.347 1.135 0.534 0.544 1.358
238 0.796 1.229 0.946 0.924 0.499 0.788 0.792 0.814 1.010
239 0.890 1.522 0.563 0.563 0.492 0.981 0.472 0.482 1.261
241 0.955 1.275 1.032 0.979 0.379 1.140 0.927 0.945 1.338
242 0.773 1.098 0.880 0.636 0.416 0.864 0.818 0.836 1.228
244 1.006 0.959 0.995 0.901 1.083 1.001 1.021 1.022 1.036
245 0.984 1.000 0.946 0.883 1.016 1.037 0.974 0.977 1.073
246 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
247 0.966 0.896 0.971 0.913 0.924 0.974 0.996 1.002 1.099
248 0.943 0.913 0.904 0.835 0.944 0.940 0.969 0.970 0.950
249 1.077 1.046 1.069 0.969 1.067 1.043 1.048 1.051 1.043
250 0.998 0.941 1.037 0.907 1.007 1.024 1.026 1.029 1.099
251 0.984 0.929 0.971 0.961 0.964 0.962 0.999 1.002 0.954
252 1.001 0.946 0.976 0.984 0.984 0.973 0.999 1.002 0.960
253 0.986 0.969 0.963 0.931 1.050 0.982 0.969 0.971 0.996
254 0.995 1.024 0.990 0.923 0.969 0.993 1.032 1.038 1.069
255 1.015 0.937 1.008 0.920 0.996 0.959 1.000 1.002 0.996
257 1.330 1.631 1.173 1.279 0.738 1.569 1.182 1.209 2.242
258 1.270 1.604 1.106 1.276 0.765 1.465 1.169 1.199 1.924
259 1.223 1.610 1.176 1.279 0.660 1.661 1.169 1.199 1.987
260 1.560 2.072 1.843 2.403 0.996 1.607 1.402 1.430 2.311
261 2.296 3.038 2.534 2.624 1.200 2.235 1.829 1.864 1.785
262 1.504 2.047 1.702 1.917 0.821 1.574 1.229 1.253 1.758
263 1.543 2.083 1.689 2.135 0.717 1.527 1.229 1.253 1.894
264 1.395 1.824 1.502 1.599 0.658 1.395 1.383 1.414 2.119
265 1.543 1.895 1.780 2.023 0.725 1.643 1.229 1.253 1.752
266 1.648 2.043 1.514 1.670 0.809 1.474 1.332 1.358 2.036
267 1.540 1.768 1.665 1.781 0.726 1.567 1.322 1.353 1.934
268 1.828 2.018 1.904 2.250 1.054 1.651 1.631 1.666 2.000
269 1.571 1.979 1.889 2.137 0.834 1.624 1.449 1.488 2.337
271 1.872 2.178 1.981 2.209 0.879 1.757 1.534 1.566 2.000
272 2.129 2.317 2.468 2.574 1.092 2.148 1.631 1.666 2.000
273 1.670 1.903 1.998 2.226 0.950 1.651 1.631 1.666 2.162
274 1.643 1.852 1.579 1.582 0.732 1.457 1.292 1.316 1.987
275 1.656 1.721 1.588 1.727 0.720 1.534 1.308 1.334 1.894
276 1.566 1.771 1.497 1.626 0.695 1.626 1.234 1.262 2.017
277 1.585 1.998 1.662 1.863 0.775 1.556 1.259 1.287 1.831
278 1.499 1.794 1.420 1.500 0.865 1.596 1.332 1.357 2.036
279 1.424 1.658 1.588 2.023 0.905 1.559 1.240 1.268 1.924
281 1.603 2.147 1.830 1.707 0.707 1.569 1.301 1.329 2.073
282 1.613 1.794 1.497 1.623 0.749 1.668 1.205 1.229 1.977
283 1.718 2.002 1.848 2.401 0.812 1.716 1.631 1.666 2.000
284 1.576 1.768 1.638 1.736 0.748 1.764 1.259 1.282 1.980
286 1.762 2.488 1.838 2.322 0.946 1.765 1.576 1.582 1.421
287 1.621 2.193 1.971 2.355 0.988 1.659 1.511 1.515 1.566
288 1.536 1.975 1.559 2.096 0.866 1.616 1.306 1.312 1.348
289 1.515 2.032 2.045 2.171 0.983 1.652 1.488 1.493 1.778
290 1.453 2.049 1.620 2.095 0.902 1.773 1.301 1.306 1.348
291 1.435 1.767 1.410 1.649 0.865 1.693 1.301 1.306 1.732
292 1.364 1.895 1.237 1.635 0.818 1.311 1.182 1.187 1.384
293 1.563 2.086 2.058 2.521 1.096 1.641 1.488 1.493 1.550
294 1.365 1.987 1.607 1.851 0.983 1.687 1.301 1.306 1.702
295 1.553 2.144 1.607 1.990 0.834 1.567 1.301 1.306 1.364
Territory Factors

296 1.352 1.920 1.304 1.379 0.677 1.461 1.301 1.306 1.629
297 1.950 2.663 2.117 2.439 1.054 2.002 1.660 1.666 1.417
298 1.529 1.876 1.460 1.539 0.733 1.519 1.309 1.316 1.768
299 1.487 2.119 2.035 2.219 0.828 1.576 1.371 1.373 1.417
300 1.463 2.018 1.442 1.989 0.820 1.650 1.367 1.369 1.410
301 1.585 2.137 1.460 1.711 0.738 1.597 1.354 1.361 1.440
302 1.357 1.680 1.365 1.577 0.648 1.566 1.301 1.306 1.811
303 1.576 2.103 1.720 2.147 0.726 1.531 1.301 1.306 1.421
304 1.466 1.866 1.633 1.901 0.940 1.570 1.347 1.349 1.576
305 1.433 1.905 1.442 1.666 0.847 1.634 1.301 1.306 1.483
306 1.490 1.731 1.628 2.111 1.215 1.722 1.402 1.403 1.705
307 1.486 1.940 1.601 1.797 1.034 1.587 1.367 1.369 1.583
308 1.524 1.822 1.702 2.196 1.210 1.754 1.417 1.419 1.695
309 1.453 1.764 1.633 2.064 1.040 1.696 1.402 1.403 1.629
310 0.950 1.420 1.087 1.088 0.720 1.250 1.008 1.029 2.261
311 1.423 1.712 1.588 1.828 0.787 1.471 1.391 1.391 1.583
312 1.529 2.015 1.971 2.255 0.826 1.680 1.520 1.523 1.576
313 1.473 1.849 1.420 1.592 0.707 1.494 1.301 1.306 1.629
314 1.555 1.912 1.889 2.157 0.852 1.639 1.549 1.551 1.566
315 1.370 1.818 1.365 1.455 0.663 1.432 1.301 1.306 1.659
316 1.469 1.861 1.452 1.501 0.699 1.424 1.312 1.318 1.583
317 1.553 1.860 1.497 1.526 0.750 1.474 1.301 1.306 1.715
318 1.564 1.871 1.442 1.666 0.874 1.553 1.321 1.327 1.348
319 1.536 1.911 1.694 2.019 1.074 1.721 1.389 1.390 1.715
320 0.809 1.209 1.109 0.955 0.634 1.220 1.374 1.405 2.546
321 1.663 2.103 1.848 2.084 1.153 1.794 1.455 1.464 1.467
322 1.489 1.761 1.638 1.878 1.011 1.722 1.488 1.493 1.841
323 1.491 1.849 1.502 1.599 0.732 1.550 1.301 1.306 1.795
324 1.432 1.967 1.607 1.824 0.795 1.566 1.347 1.349 1.530
325 1.498 1.910 1.601 1.754 0.769 1.577 1.301 1.306 1.364
326 1.502 1.839 1.497 1.681 0.770 1.424 1.301 1.306 1.421
327 1.502 1.870 1.402 1.500 0.827 1.688 1.301 1.306 1.741
328 1.401 1.868 1.465 1.391 0.802 1.749 1.351 1.361 1.894
329 1.571 2.206 1.571 1.774 0.772 1.624 1.301 1.306 1.642
330 1.442 2.004 1.460 1.541 0.735 1.548 1.301 1.306 1.861
331 1.569 2.321 1.981 2.216 0.838 1.666 1.459 1.464 1.583
332 1.649 2.310 1.921 2.281 0.829 1.740 1.454 1.459 1.586
333 1.478 1.689 1.588 2.055 0.991 1.510 1.402 1.403 1.583
334 1.617 1.819 1.612 1.899 0.879 1.461 1.364 1.371 1.619
335 1.455 1.786 1.657 1.888 1.202 1.690 1.308 1.314 1.546
336 1.499 1.702 1.588 1.859 1.107 1.576 1.400 1.406 1.679
337 1.545 1.717 1.438 1.494 0.804 1.571 1.301 1.306 1.871
338 1.599 1.726 1.402 1.499 0.792 1.599 1.301 1.306 1.520
339 1.349 1.849 1.391 1.419 0.788 1.637 1.402 1.403 1.851
340 0.684 1.017 0.926 1.039 0.580 1.145 0.873 0.893 2.308
341 1.681 2.103 1.848 2.040 0.957 1.624 1.488 1.493 1.546
342 1.635 2.137 1.857 2.065 0.914 1.671 1.594 1.600 1.679
343 1.748 2.066 2.098 2.448 0.982 1.808 1.527 1.530 1.642
344 1.773 1.978 2.035 2.130 1.243 1.706 1.488 1.493 1.536
345 1.474 1.878 1.647 1.743 0.973 1.541 1.455 1.460 1.665
346 1.615 1.910 1.633 2.034 0.978 1.663 1.308 1.314 1.613
347 1.888 2.316 2.551 2.660 1.134 2.123 1.846 1.853 1.540
348 1.694 2.115 1.665 1.953 0.828 1.706 1.365 1.371 1.738
Territory Factors

349 1.550 1.876 1.857 1.994 0.806 1.577 1.594 1.600 1.592
350 1.667 2.103 1.620 1.683 0.706 1.608 1.391 1.391 1.702
351 1.741 2.057 2.030 2.384 0.844 1.761 1.488 1.493 1.894
352 1.599 2.015 1.546 1.703 0.806 1.437 1.391 1.397 1.440
353 2.064 2.517 2.734 2.838 0.910 2.097 1.778 1.784 1.675
354 1.623 1.966 1.689 1.737 0.738 1.571 1.301 1.306 1.404
355 1.656 1.974 1.601 1.794 0.897 1.642 1.361 1.364 1.665
356 1.673 1.839 1.452 1.735 0.954 1.492 1.588 1.596 1.642
357 1.708 1.939 1.857 2.147 0.907 1.640 1.488 1.493 1.762
358 1.592 1.891 1.694 1.756 0.902 1.728 1.322 1.329 1.679
359 1.719 1.974 2.085 2.162 1.194 1.694 1.402 1.403 1.447
360 1.621 1.805 1.998 2.245 1.004 1.613 1.693 1.698 1.732
361 1.761 1.945 1.917 2.300 1.068 1.705 1.485 1.489 1.642
362 1.581 1.831 1.657 1.965 0.905 1.650 1.452 1.459 1.977
363 1.680 1.928 2.045 2.410 1.027 1.708 1.524 1.527 1.550
364 1.787 1.878 1.998 2.456 1.124 1.868 1.594 1.600 1.871
365 1.733 1.914 2.240 2.526 1.176 1.830 1.693 1.698 1.695
366 1.741 1.931 2.146 2.255 1.076 1.861 1.693 1.698 1.977
367 1.729 1.940 2.146 2.666 1.041 1.808 1.693 1.698 1.924
368 1.696 2.026 2.030 2.294 1.050 1.493 1.488 1.493 1.540
369 1.576 1.875 1.588 1.869 0.791 1.633 1.301 1.306 1.738
370 1.460 1.754 1.447 1.750 0.865 1.507 1.301 1.328 2.136
371 1.957 2.153 2.085 2.336 1.039 1.858 1.666 1.671 1.603
372 1.651 1.832 1.862 2.002 1.107 1.721 1.415 1.416 1.447
373 1.684 1.997 1.788 2.144 1.062 1.795 1.496 1.503 1.917
374 1.825 2.332 2.058 2.472 0.865 1.754 1.485 1.489 1.540
375 1.597 1.603 1.620 1.875 1.013 1.514 1.383 1.387 1.559
376 1.613 1.729 1.689 2.113 1.106 1.681 1.693 1.698 1.702
377 1.568 1.743 1.546 1.758 0.770 1.615 1.391 1.397 1.523
378 1.314 1.991 1.391 1.571 0.766 1.554 1.301 1.306 1.665
379 1.514 2.302 1.588 1.821 0.850 1.657 1.496 1.503 1.550
381 1.528 1.895 1.607 1.734 0.797 1.494 1.356 1.363 1.768
382 1.835 2.024 2.064 2.258 1.057 1.775 1.809 1.814 1.536
383 1.825 2.079 1.912 2.232 1.034 1.651 1.488 1.491 1.695
384 1.842 2.094 2.131 2.258 1.116 1.762 1.809 1.814 1.861
385 1.716 2.032 1.885 2.063 1.027 1.779 1.572 1.581 1.732
386 1.902 2.234 2.064 2.449 0.931 1.719 1.488 1.493 1.540
387 1.869 2.176 1.981 2.248 0.896 1.753 1.566 1.574 1.536
388 1.861 1.922 2.131 2.323 0.963 1.624 1.500 1.503 1.596
389 1.786 1.911 2.098 2.167 1.045 1.663 1.568 1.575 1.619
390 1.150 1.376 1.123 1.187 0.669 1.300 1.013 1.036 3.351
391 1.871 1.860 2.337 2.383 1.162 1.802 1.754 1.762 1.841
392 1.868 1.895 1.921 2.080 0.977 1.681 1.539 1.542 1.798
393 1.966 2.286 2.356 2.408 1.192 2.163 1.809 1.814 1.536
394 1.853 1.816 2.176 2.469 1.258 1.790 1.527 1.530 1.613
395 2.012 2.199 2.825 2.997 1.054 2.015 1.662 1.667 1.540
396 1.916 1.938 1.662 1.962 0.914 1.616 1.488 1.493 1.540
397 1.975 2.307 2.460 2.487 1.064 1.894 1.585 1.591 1.536
398 2.060 2.283 2.468 2.517 1.068 2.046 1.662 1.667 1.536
399 2.114 1.979 2.349 2.406 1.160 2.064 1.631 1.639 1.536
401 1.670 1.901 1.962 2.226 0.909 1.647 1.669 1.674 1.722
402 1.626 1.870 1.556 1.655 0.747 1.476 1.338 1.343 1.404
404 1.365 1.795 1.410 1.417 0.783 1.589 1.471 1.473 1.732
Territory Factors

406 1.334 1.627 1.365 1.509 0.780 1.570 1.301 1.306 1.868
407 1.466 2.032 1.556 1.671 0.711 1.575 1.301 1.306 1.798
408 1.416 1.819 1.662 1.994 0.989 1.648 1.301 1.306 1.642
409 1.494 1.862 1.329 1.499 0.677 1.478 1.301 1.306 1.695
410 0.979 0.987 1.058 1.188 0.450 1.011 1.028 1.048 3.718
411 1.718 2.003 1.899 2.403 0.828 1.749 1.669 1.674 1.483
412 1.478 1.949 1.365 1.525 0.695 1.516 1.299 1.306 1.675
413 1.360 1.979 1.391 1.509 0.826 1.558 1.301 1.306 1.768
414 1.499 1.871 1.442 1.583 0.800 1.534 1.301 1.306 1.348
416 1.702 1.386 1.514 1.365 1.529 1.172 1.549 1.584 2.215
417 1.772 1.408 1.601 1.493 1.563 1.240 1.754 1.787 2.483
418 1.777 1.287 1.612 1.310 1.536 1.242 1.660 1.696 2.337
419 1.754 1.245 1.473 1.428 1.575 1.232 1.492 1.527 2.169
420 1.147 1.033 1.000 1.157 0.438 1.192 0.971 0.993 3.116
424 1.080 1.303 1.027 1.108 0.845 1.132 1.089 1.111 1.248
425 0.950 1.247 1.027 0.904 1.006 1.198 0.982 1.006 1.245
426 0.914 1.239 1.050 1.127 0.940 1.064 1.004 1.028 1.175
427 0.936 1.309 1.050 1.108 0.847 1.172 1.039 1.059 1.272
428 0.936 1.309 1.082 1.076 0.841 1.099 1.059 1.081 1.261
429 1.093 1.304 1.127 1.156 0.998 1.187 1.124 1.154 1.417
430 1.174 1.355 1.141 1.192 0.469 1.084 1.002 1.023 1.987
431 0.878 1.279 1.050 0.921 0.952 1.104 0.953 0.970 1.291
433 0.796 1.317 0.904 0.880 0.582 1.152 0.866 0.885 1.473
434 0.730 1.240 0.896 0.889 0.558 1.180 0.840 0.858 1.464
435 0.749 1.268 0.941 0.931 0.573 1.134 0.844 0.864 1.487
436 0.842 1.173 0.966 0.885 0.601 1.240 0.860 0.876 1.427
437 0.833 1.347 0.958 0.907 0.578 1.143 0.842 0.856 1.685
438 0.809 1.149 0.904 0.864 0.563 1.132 0.847 0.864 1.430
439 0.912 1.261 0.946 0.889 0.603 1.169 0.941 0.962 1.741
440 1.061 1.090 1.188 1.194 0.634 1.269 0.980 1.001 2.109
441 0.890 1.305 0.872 0.974 0.575 1.097 0.895 0.915 1.559
442 0.922 1.303 0.941 0.892 0.573 1.249 0.945 0.968 1.814
443 0.842 1.193 0.931 0.915 0.587 1.107 0.898 0.916 1.536
444 0.822 1.318 0.877 0.960 0.578 1.118 0.829 0.846 1.513
445 0.948 1.254 0.931 0.890 0.594 1.259 0.951 0.971 1.778
447 1.144 1.420 1.136 1.266 0.593 1.230 0.967 0.990 1.665
449 1.206 1.499 1.192 1.217 0.620 1.301 0.993 1.012 1.692
450 0.999 1.372 1.053 1.069 0.609 1.287 0.862 0.878 1.834
451 1.078 1.377 1.196 1.299 0.571 1.302 0.947 0.966 1.705
452 0.967 1.283 1.136 1.243 0.552 1.297 0.882 0.897 1.775
453 1.062 1.359 1.095 1.237 0.571 1.275 0.906 0.927 1.758
454 1.019 1.368 1.136 1.212 0.594 1.362 0.993 1.016 1.758
455 1.002 1.382 1.136 1.127 0.695 1.305 0.964 0.985 1.659
456 1.083 1.406 1.232 1.231 0.629 1.395 0.992 1.014 1.917
457 0.983 1.270 1.136 1.121 0.608 1.323 0.934 0.954 1.871
458 1.072 1.460 1.136 1.206 0.621 1.477 1.076 1.097 2.053
459 1.041 1.486 1.163 1.256 0.713 1.364 0.986 1.006 1.821
460 0.965 1.375 1.123 1.035 0.757 1.313 0.918 0.938 1.970
461 1.083 1.415 1.106 1.197 0.584 1.248 1.012 1.029 1.841
462 1.070 1.364 1.136 1.193 0.564 1.400 0.989 1.010 1.967
463 1.065 1.293 1.163 1.167 0.626 1.372 1.065 1.085 1.871
464 1.037 1.416 1.141 1.132 0.598 1.464 1.059 1.081 2.050
465 1.061 1.393 1.176 1.190 0.615 1.404 0.992 1.012 1.980
Territory Factors

466 1.080 1.401 1.192 1.229 0.682 1.351 1.022 1.043 1.725
467 1.061 1.402 1.141 1.168 0.627 1.358 1.009 1.030 1.944
468 1.062 1.377 1.181 1.249 0.626 1.421 1.017 1.037 1.987
469 1.026 1.263 1.181 1.132 0.639 1.306 0.987 1.008 1.960
470 0.967 0.867 0.990 0.949 0.440 0.995 0.918 0.931 1.831
471 1.028 1.291 1.072 1.113 0.628 1.412 0.989 1.012 1.785
472 1.037 1.319 1.123 1.079 0.612 1.365 0.919 0.939 1.907
473 1.016 1.376 1.136 1.129 0.593 1.340 0.992 1.015 2.050
474 1.358 1.630 1.479 1.363 0.630 1.711 1.280 1.306 2.053
475 1.011 1.397 1.069 1.199 0.637 1.295 0.967 0.988 1.603
476 1.026 1.421 1.181 1.258 0.622 1.436 1.015 1.036 1.732
478 0.850 1.113 1.045 0.950 0.493 1.128 0.996 1.000 0.907
479 0.976 1.355 1.415 1.296 0.765 1.277 1.076 1.079 1.043
480 1.535 1.676 1.329 1.492 0.784 1.665 1.187 1.213 1.841
481 0.831 1.135 1.027 1.074 0.572 1.097 0.948 0.949 0.831
482 0.799 1.256 1.192 1.161 0.492 1.100 1.192 1.192 0.868
483 0.719 1.368 0.926 0.956 0.665 1.083 0.924 0.923 0.891
484 0.840 1.157 1.077 1.067 0.490 0.864 1.000 1.002 0.669
485 1.074 1.342 1.479 1.522 0.879 1.073 1.140 1.144 0.834
486 0.945 1.576 1.176 1.217 0.899 1.432 1.194 1.197 1.089
487 0.899 1.140 1.337 1.369 0.689 1.299 1.165 1.171 0.987
488 1.090 1.459 1.309 1.358 0.694 1.052 1.285 1.290 0.768
489 0.888 1.119 1.296 1.335 0.778 1.265 1.106 1.106 1.079
490 1.497 1.748 1.571 1.744 0.733 1.699 1.166 1.195 1.679
491 0.746 1.080 1.223 1.216 0.674 1.029 0.996 0.998 0.868
492 1.066 1.358 1.361 1.285 0.685 1.322 1.194 1.197 1.126
493 1.098 1.324 1.373 1.394 0.833 1.430 1.227 1.229 1.145
494 0.997 1.064 1.296 1.316 0.717 1.196 1.117 1.119 1.010
495 0.987 1.143 1.442 1.452 0.876 1.400 1.109 1.110 0.996
496 1.156 1.345 1.282 1.327 0.836 1.557 1.175 1.178 1.083
497 0.939 1.301 1.442 1.419 0.796 1.349 1.096 1.101 1.162
498 0.847 1.239 1.245 1.188 0.617 1.178 1.174 1.177 1.209
499 0.906 1.025 1.378 1.373 0.621 1.130 1.111 1.112 0.781
500 0.739 1.461 1.064 1.066 0.525 1.143 1.052 1.056 0.808
501 0.967 1.433 0.740 0.770 0.728 1.038 0.625 0.625 0.825
502 0.936 1.378 0.830 0.804 0.749 0.851 0.673 0.674 0.652
503 1.068 1.394 1.263 1.103 0.746 1.140 1.087 1.092 1.026
504 0.985 1.312 0.761 0.789 0.732 0.966 0.652 0.655 0.795
505 0.624 1.079 0.966 0.793 0.697 0.908 0.787 0.790 0.712
506 0.816 1.086 1.205 1.179 0.644 1.307 1.064 1.067 0.974
507 1.029 1.470 1.361 1.264 0.865 1.166 1.068 1.073 0.974
508 0.958 1.389 0.736 0.926 0.628 1.016 0.575 0.575 0.927
509 0.711 1.460 1.324 1.174 0.436 1.077 1.028 1.032 0.877
511 0.982 1.115 1.361 1.248 0.652 1.101 1.165 1.171 0.917
512 0.745 1.334 1.018 0.947 0.546 1.123 0.849 0.853 0.742
513 0.672 1.277 0.986 1.009 0.493 0.994 0.989 0.992 0.825
514 0.989 1.317 0.740 1.034 0.465 1.038 0.686 0.686 0.844
515 0.733 1.011 1.141 1.158 0.510 1.013 1.035 1.039 0.891
516 1.068 1.270 1.268 1.262 0.871 1.296 1.165 1.171 1.099
517 0.724 0.992 1.151 1.201 0.678 1.105 1.051 1.055 0.881
518 0.675 1.269 1.263 1.267 0.896 1.275 1.035 1.038 1.023
519 0.669 1.081 1.155 1.241 0.489 1.137 1.006 1.008 0.980
520 0.812 1.323 0.931 0.945 0.530 1.042 0.781 0.795 1.404
Territory Factors

521 0.886 1.121 1.612 1.681 0.849 1.084 1.221 1.226 0.752
522 0.998 1.337 1.534 1.596 0.621 1.568 1.308 1.317 1.136
523 0.946 1.372 1.268 1.288 0.834 1.292 1.205 1.207 1.043
524 0.887 1.098 1.378 1.334 0.802 1.337 1.253 1.258 1.023
525 0.801 1.235 1.309 1.283 0.645 1.126 1.225 1.229 0.954
526 0.914 1.396 0.521 0.535 0.674 0.909 0.549 0.551 0.944
527 0.810 1.297 1.099 1.165 0.771 1.302 1.021 1.023 1.026
528 0.728 1.292 1.090 1.029 0.517 1.073 1.002 1.004 0.871
529 0.608 0.861 1.123 1.159 0.474 0.909 0.956 0.956 0.778
530 0.867 1.024 0.913 0.925 0.525 1.026 0.864 0.880 1.881
531 0.682 1.283 1.099 1.167 0.520 0.913 1.019 1.021 0.722
532 0.637 0.939 1.181 1.162 0.510 0.909 1.054 1.056 0.752
533 0.523 1.071 1.018 0.997 0.404 1.040 0.974 0.976 1.023
534 0.685 1.208 0.817 1.099 0.766 0.878 0.775 0.777 0.722
536 0.836 1.324 0.963 0.892 0.555 1.084 0.898 0.917 1.596
537 0.902 1.430 0.885 0.855 0.508 1.120 0.833 0.850 1.586
538 0.711 1.404 0.867 0.930 0.542 1.056 0.788 0.803 1.659
539 0.710 1.355 0.931 0.797 0.468 0.960 0.762 0.779 1.629
540 1.504 1.626 1.438 1.220 0.841 1.522 1.127 1.150 1.619
541 0.831 1.560 1.037 0.844 0.562 1.208 0.821 0.837 1.758
543 0.809 1.422 0.885 0.799 0.499 1.183 0.836 0.854 1.692
544 0.819 1.317 0.896 0.884 0.502 1.041 0.827 0.842 1.464
545 0.826 1.398 1.037 0.963 0.495 1.016 0.869 0.890 2.060
546 0.917 1.525 1.027 0.953 0.549 1.233 0.927 0.944 1.692
547 0.824 1.482 0.934 0.907 0.558 1.098 0.844 0.860 1.904
548 0.749 1.322 0.899 0.845 0.595 1.016 0.834 0.852 1.685
549 0.818 1.333 0.950 0.927 0.581 1.104 0.844 0.860 1.665
550 1.502 1.373 1.497 1.362 0.781 1.333 1.178 1.202 1.321
551 0.808 1.414 0.966 0.855 0.497 0.976 0.808 0.823 1.559
552 0.847 1.505 0.934 0.855 0.503 1.108 0.842 0.860 1.500
553 0.801 1.348 0.899 0.881 0.495 1.021 0.853 0.868 1.583
554 0.818 1.361 0.909 0.946 0.496 0.969 0.851 0.867 1.430
555 0.778 1.435 0.880 0.868 0.461 0.998 0.846 0.864 1.656
556 0.799 1.593 0.921 0.898 0.552 1.039 0.840 0.858 1.513
557 0.971 1.543 0.963 0.908 0.543 1.205 0.895 0.911 1.665
558 0.862 1.417 0.986 1.006 0.507 1.011 0.961 0.982 1.705
559 0.968 1.496 1.053 0.987 0.514 1.182 1.000 1.023 1.762
560 1.483 1.517 1.402 1.316 1.599 1.396 1.254 1.276 1.887
561 0.821 1.398 0.885 0.827 0.492 1.083 0.844 0.858 1.748
562 0.913 1.406 1.027 0.953 0.499 1.154 0.987 1.010 1.788
563 0.822 1.377 0.934 0.891 0.490 0.994 0.839 0.854 1.649
564 0.877 1.534 0.941 1.009 0.470 1.173 0.961 0.979 2.172
565 0.797 1.346 0.904 0.809 0.434 0.980 0.860 0.876 1.656
566 0.951 1.624 0.934 0.903 0.573 1.316 0.921 0.943 1.960
567 0.817 1.415 0.909 0.967 0.587 1.061 0.862 0.880 1.917
568 0.801 1.324 1.000 0.930 0.512 0.991 0.859 0.877 1.778
569 0.979 1.524 0.971 0.977 0.561 1.078 0.927 0.945 1.566
571 0.878 1.472 0.954 0.876 0.477 0.999 0.892 0.908 1.559
572 0.864 1.574 0.954 0.913 0.455 1.112 0.914 0.931 1.762
573 0.798 1.541 1.050 0.999 0.461 1.019 0.927 0.949 1.679
574 1.027 1.695 1.163 1.122 0.440 1.104 1.076 1.094 1.897
575 0.860 1.457 0.976 0.903 0.525 1.135 0.964 0.980 1.613
576 0.942 1.498 0.966 0.885 0.563 1.152 0.940 0.961 1.583
Territory Factors

577 0.815 1.483 1.000 0.964 0.453 0.974 0.906 0.927 1.705
578 0.875 1.549 1.053 1.129 0.546 1.162 0.979 1.000 1.546
579 0.863 1.434 0.946 0.923 0.652 1.174 0.951 0.972 1.702
580 1.254 1.033 1.309 1.276 1.264 1.254 1.185 1.211 1.632
581 0.881 1.317 1.032 1.014 0.483 1.171 0.915 0.935 1.768
582 0.845 1.372 1.003 0.953 0.492 1.039 0.932 0.953 1.712
583 0.801 1.369 0.931 0.888 0.492 1.053 0.873 0.891 1.586
584 0.876 1.489 0.926 0.903 0.508 1.035 1.000 1.023 1.987
585 0.875 1.398 0.931 0.839 0.479 1.091 0.953 0.975 1.741
586 1.023 1.549 1.072 0.987 0.493 1.042 1.065 1.091 1.669
587 0.872 1.499 0.990 0.828 0.490 1.022 0.953 0.974 1.798
588 0.966 1.456 0.995 0.872 0.484 1.071 0.918 0.938 1.348
589 0.843 1.435 0.899 0.777 0.470 1.034 0.851 0.870 2.155
590 0.873 1.214 1.072 0.880 1.192 1.071 0.927 0.946 1.639
591 0.853 1.702 0.976 0.974 0.498 1.209 0.829 0.844 1.665
592 0.783 1.404 0.946 0.926 0.582 1.017 0.853 0.869 1.738
593 0.797 1.428 0.921 0.863 0.548 1.147 0.860 0.877 1.675
594 0.868 1.430 0.966 1.028 0.522 1.106 0.964 0.984 1.722
595 0.864 1.423 1.008 0.949 0.592 1.093 0.914 0.935 1.967
596 0.867 1.467 0.904 0.846 0.496 1.090 0.958 0.977 2.053
597 0.808 1.304 0.950 0.907 0.529 0.995 0.840 0.856 1.629
599 1.851 1.491 1.934 1.365 1.575 1.465 1.286 1.314 1.669
600 0.878 1.327 0.885 0.938 0.874 1.212 0.967 0.986 1.291
610 0.884 1.060 0.995 0.867 1.259 1.142 0.906 0.922 1.318
620 0.764 1.118 1.045 0.847 1.445 1.174 0.892 0.907 1.245
660 0.820 1.146 0.654 0.685 0.338 0.982 0.549 0.562 1.093
710 1.074 1.232 0.971 1.027 0.676 1.319 0.980 0.996 1.834
711 1.138 1.409 1.018 1.171 0.719 1.428 1.046 1.065 1.831
712 0.984 1.235 0.934 0.998 0.547 1.372 0.876 0.892 2.132
713 0.818 1.233 0.913 0.832 0.653 1.195 0.866 0.884 1.814
714 0.884 1.094 0.976 0.873 0.650 1.149 0.948 0.969 1.702
715 1.039 1.231 0.982 1.015 0.802 1.357 0.995 1.014 1.798
720 0.844 1.247 0.982 0.875 0.657 1.141 0.755 0.771 1.583
721 0.830 1.150 1.013 0.888 0.724 1.132 0.817 0.834 1.464
722 0.867 1.191 0.958 0.889 0.683 1.242 0.855 0.872 1.639
723 0.839 1.189 0.971 0.875 0.618 1.164 0.798 0.814 1.457
724 0.846 1.228 1.077 0.966 0.614 1.267 0.869 0.888 1.606
725 0.967 1.204 1.022 0.952 0.618 1.293 0.881 0.898 1.629
726 0.831 1.183 0.971 0.948 0.617 1.238 0.847 0.864 1.583
727 0.883 1.173 1.013 0.939 0.619 1.153 0.879 0.898 1.785
728 0.772 1.086 0.941 0.826 0.586 1.077 0.778 0.792 1.861
729 0.738 0.896 0.926 0.862 0.677 1.068 0.801 0.817 1.785
730 0.930 1.051 0.921 1.005 0.676 1.381 0.914 0.933 2.261
731 1.067 1.090 1.027 1.134 0.733 1.300 0.940 0.959 2.126
732 1.035 1.233 1.109 1.157 0.700 1.426 1.035 1.057 1.914
733 1.062 1.236 1.168 1.147 0.646 1.441 1.022 1.045 2.182
734 0.917 1.052 0.896 0.965 0.647 1.209 0.947 0.966 1.977
737 0.785 1.239 1.045 0.924 0.699 1.204 0.847 0.864 1.606
740 0.914 1.089 0.867 0.822 0.756 1.091 0.966 0.982 2.000
741 0.913 1.213 0.867 0.822 0.761 1.203 1.019 1.038 2.192
742 0.859 1.243 0.880 0.760 0.688 1.088 0.908 0.925 2.013
743 0.953 1.185 0.867 0.818 0.698 1.272 1.026 1.046 2.334
744 0.984 1.254 0.971 0.882 0.678 1.236 1.034 1.054 2.079
Territory Factors

745 1.008 1.161 0.899 0.872 0.657 1.195 1.009 1.029 2.036
746 0.802 1.080 0.921 0.692 0.526 1.043 0.911 0.929 1.775
747 0.865 1.138 0.840 0.776 0.605 1.055 0.938 0.955 1.924
748 0.875 1.073 0.859 0.807 0.674 0.987 0.889 0.907 1.814
749 0.878 1.282 0.867 0.802 0.665 1.248 0.989 1.008 2.337
750 0.884 1.249 0.971 0.930 1.296 1.189 0.971 0.990 0.825
751 0.847 1.249 0.958 0.918 1.296 1.189 0.944 0.963 0.825
752 0.836 1.276 0.950 0.942 1.311 1.214 0.971 0.990 0.825
753 0.753 1.251 0.958 0.890 1.311 1.212 0.840 0.856 0.825
754 0.778 1.071 0.982 0.846 0.973 1.071 0.872 0.890 0.871
755 0.711 1.249 0.958 0.918 1.298 1.190 0.758 0.773 0.825
756 0.740 1.282 0.958 0.940 1.323 1.222 0.805 0.823 0.825
757 0.767 1.273 0.971 0.939 1.331 1.221 0.853 0.872 0.825
758 0.763 1.164 0.950 0.829 0.955 1.033 0.851 0.869 0.841
759 0.768 1.041 0.950 0.807 1.107 0.991 0.829 0.846 0.825
761 0.837 1.209 1.000 0.986 0.735 1.250 0.847 0.864 1.596
764 0.939 1.128 0.885 0.838 0.647 1.193 0.956 0.976 2.142
765 0.774 0.947 0.877 0.832 0.588 1.195 0.921 0.939 2.017
777 1.318 1.664 1.332 1.382 0.744 1.414 0.596 0.599 0.596

BELL 76544 1
BELL 76511 2
BELL 76534 3
BELL 76554 3
BELL 76519 4
BELL 76524 5
BELL 76548 5
BELL 76559 5
BELL 76564 5
BELL 76569 5
BELL 76579 5
BELL 76528 6
BELL 76502 7
BELL 76513 7
BELL 76501 8
BELL 76505 8
BELL 76533 8
BELL 76540 8
BELL 76541 8
BELL 76547 8
BELL 76539 9
BELL 76542 9
BELL 76504 11
BELL 76543 11
BELL 76549 11
BELL 76537 12
BELL 76571 12
BELL 76557 14
BELL 78608 15
BELL 76527 16
BEXAR 78015 18
BEXAR 78052 20
BEXAR 78230 24
BEXAR 78239 24
BEXAR 78249 24
BEXAR 78219 25
BEXAR 78217 26
BEXAR 78284 26
BEXAR 78285 26
BEXAR 78231 27
BEXAR 78209 28
BEXAR 78213 29
BEXAR 78220 31
BEXAR 78247 31
BEXAR 78238 34
BEXAR 78251 35
BEXAR 78154 36
BEXAR 78210 37
BEXAR 78254 38
BEXAR 78226 39
BEXAR 78211 44
BEXAR 78223 44
BEXAR 78235 44
BEXAR 78264 45

BEXAR 78228 46
BEXAR 78121 47
BEXAR 78002 48
BEXAR 78054 48
BEXAR 78108 49
BEXAR 78124 51
BEXAR 78155 51
BEXAR 78069 52
BEXAR 78229 53
BEXAR 78212 54
BEXAR 78233 54
BEXAR 78280 54
BEXAR 78218 55
BEXAR 78201 56
BEXAR 78216 57
BEXAR 78240 58
BEXAR 78234 59
BEXAR 78207 61
BEXAR 78250 62
BEXAR 78221 63
BEXAR 78248 63
BEXAR 78236 64
BEXAR 78243 64
BEXAR 78222 65
BEXAR 78101 66
BEXAR 78204 67
BEXAR 78283 67
BEXAR 78203 68
BEXAR 78023 69
BEXAR 78263 72
BEXAR 78259 73
BEXAR 78148 74
BEXAR 78244 75
BEXAR 78253 75
BEXAR 78112 76
BEXAR 78214 77
BEXAR 78152 78
BEXAR 78232 79
BEXAR 78208 80
BEXAR 78252 81
BEXAR 78261 82
BEXAR 78009 83
BEXAR 78039 84
BEXAR 78266 85
BEXAR 78202 86
BEXAR 78215 87
BEXAR 78224 88
BEXAR 78109 89
BEXAR 78225 90
BEXAR 78242 91
BEXAR 78245 92
BEXAR 78256 93
BEXAR 78255 94
BEXAR 78227 95
BEXAR 78205 96
BEXAR 78206 96
BEXAR 78291 96
BEXAR 78292 96
BEXAR 78293 96
BEXAR 78294 96
BEXAR 78295 96
BEXAR 78296 96
BEXAR 78297 96
BEXAR 78298 96
BEXAR 78299 96
BEXAR 78006 97
BEXAR 78258 98

BEXAR 78150 99
BEXAR 78073 100
BEXAR 78257 100
BEXAR 78163 101
BEXAR 78260 101
BEXAR 78237 102
CALLAHAN 79601 110
CALLAHAN 76437 754
CALLAHAN 76443 754
CALLAHAN 76464 754
CALLAHAN 76469 754
CALLAHAN 79504 754
CALLAHAN 79510 754
CALLAHAN 79602 754
COLLIN 75023 105
COLLIN 75075 105
COLLIN 75094 105
COLLIN 75287 105
COLLIN 75002 106
COLLIN 75074 106
COLLIN 75086 106
COLLIN 75252 106
COLLIN 75048 107
COLLIN 75248 108
COLLIN 75080 109
COLLIN 75087 113
COLLIN 75033 114
COLLIN 75034 114
COLLIN 75013 116
COLLIN 75024 116
COLLIN 75098 116
COLLIN 75025 117
COLLIN 75121 117
COLLIN 75164 117
COLLIN 75166 117
COLLIN 75173 117
COLLIN 75442 117
COLLIN 75035 118
COLLIN 75093 119
COLLIN 75009 121
COLLIN 75058 121

COLLIN 75069 121
COLLIN 75070 121
COLLIN 75071 121
COLLIN 75078 121
COLLIN 75097 121
COLLIN 75409 121
COLLIN 75454 121
COLLIN 75485 121
COLLIN 76258 121
COLLIN 75424 122
COLLIN 75044 123
COLLIN 75082 124
COLLIN 75407 125
COLLIN 75189 127
COLLIN 75452 128
COLLIN 75491 129
COLLIN 75495 129
DALLAS 75007 132
DALLAS 75252 134
DALLAS 75137 135
DALLAS 75138 135
DALLAS 75043 136
DALLAS 75049 136
DALLAS 75014 137
DALLAS 75016 137
DALLAS 75062 137
DALLAS 75204 138
DALLAS 75253 139
DALLAS 75336 139
DALLAS 75050 141
DALLAS 76155 141
DALLAS 75150 142
DALLAS 75231 143
DALLAS 75104 144
DALLAS 75106 144
DALLAS 75249 145
DALLAS 75115 146
DALLAS 75123 146
DALLAS 75220 146
DALLAS 75354 146
DALLAS 75215 147
DALLAS 75315 147
DALLAS 75210 148
DALLAS 75226 148
DALLAS 75030 149
DALLAS 75088 149
DALLAS 75234 150
DALLAS 75206 151
DALLAS 75221 151
DALLAS 75360 151
DALLAS 75372 151
DALLAS 75048 152
DALLAS 75038 153
DALLAS 75180 154

DALLAS 75202 155
DALLAS 75207 155
DALLAS 75242 155
DALLAS 75246 155
DALLAS 75250 155
DALLAS 75270 155
DALLAS 75371 155
DALLAS 75125 156
DALLAS 75141 157
DALLAS 75172 157
DALLAS 75154 158
DALLAS 75214 159
DALLAS 75243 159
DALLAS 75359 159
DALLAS 75254 161
DALLAS 75201 162
DALLAS 75313 162
DALLAS 75248 163
DALLAS 75080 164
DALLAS 75251 165
DALLAS 75244 166
DALLAS 75247 167
DALLAS 75261 168
DALLAS 75159 169
DALLAS 75146 170
DALLAS 75089 171
DALLAS 75067 172
DALLAS 75019 173
DALLAS 75063 173
DALLAS 75039 174
DALLAS 75209 175
DALLAS 76065 176
DALLAS 76051 177
DALLAS 75054 178
DALLAS 75001 180
DALLAS 75229 181
DALLAS 75378 181
DALLAS 75205 182
DALLAS 75182 183
DALLAS 75098 184
DALLAS 75041 185
DALLAS 75047 185
DALLAS 75134 185
DALLAS 75236 186
DALLAS 75228 187
DALLAS 75357 187
DALLAS 75052 188
DALLAS 75232 189
DALLAS 75211 190
DALLAS 75217 190
DALLAS 75233 190
DALLAS 75398 190
DALLAS 75241 191
DALLAS 75203 192
DALLAS 75208 192
DALLAS 75216 192
DALLAS 75224 192
DALLAS 75227 192
DALLAS 75260 192
DALLAS 75339 192
DALLAS 75376 192
DALLAS 75017 193
DALLAS 75060 193
DALLAS 75040 194
DALLAS 75044 195
DALLAS 75045 195
DALLAS 75051 196

DALLAS 75053 196
DALLAS 75042 197
DALLAS 75149 197
DALLAS 75185 197
DALLAS 75187 197
DALLAS 75238 198
DALLAS 75240 198
DALLAS 75355 198
DALLAS 75380 198
DALLAS 75219 199
DALLAS 75225 201
DALLAS 75237 202
DALLAS 75223 203
DALLAS 75081 204
DALLAS 75085 204
DALLAS 75230 204
DALLAS 75367 204
DALLAS 75006 205
DALLAS 75011 205
DALLAS 75082 206
DALLAS 75181 207
DALLAS 75015 208
DALLAS 75061 208
DALLAS 75116 208
DALLAS 75212 208
DALLAS 75218 208
DALLAS 75342 208
DALLAS 75235 209
DALLAS 75287 214
DENTON 75010 212
DENTON 75006 213
DENTON 75007 213
DENTON 75287 214
DENTON 76234 215
DENTON 76078 216
DENTON 76247 216
DENTON 76266 216
DENTON 75028 217
DENTON 76249 217
DENTON 75027 218
DENTON 75065 218
DENTON 75067 218
DENTON 75019 219
DENTON 76258 221
DENTON 76201 222
DENTON 76202 222
DENTON 76203 222
DENTON 76204 222
DENTON 76206 222
DENTON 76208 222
DENTON 76209 222
DENTON 76210 222
DENTON 76092 223
DENTON 75033 224
DENTON 75034 224
DENTON 75056 225
DENTON 75057 225
DENTON 75024 226
DENTON 75093 227
DENTON 75009 228
DENTON 75078 228
DENTON 76052 229
DENTON 76177 229

DENTON 76272 232
DENTON 76226 234
DENTON 76262 235
DENTON 76205 236
DENTON 76259 237
DENTON 75077 238
DENTON 75022 239
DENTON 76227 239
DENTON 75068 241
DENTON 76207 242
EL PASO 79821 244
EL PASO 79836 244
EL PASO 79838 244
EL PASO 79853 244
EL PASO 79927 244
EL PASO 79929 244
EL PASO 79904 245
EL PASO 79907 245
EL PASO 79908 245
EL PASO 79911 245
EL PASO 79912 245
EL PASO 79913 245
EL PASO 79914 245
EL PASO 79917 245
EL PASO 79922 245
EL PASO 79924 245
EL PASO 79903 246
EL PASO 79906 246
EL PASO 79923 246
EL PASO 79935 246
EL PASO 79936 246
EL PASO 79996 246
EL PASO 79918 247
EL PASO 79902 248
EL PASO 79932 248
EL PASO 79938 249
EL PASO 79835 250
EL PASO 79934 250
EL PASO 79901 251
EL PASO 79905 251
EL PASO 79910 251
EL PASO 79940 251
EL PASO 79941 251
EL PASO 79942 251
EL PASO 79943 251
EL PASO 79944 251
EL PASO 79945 251
EL PASO 79946 251
EL PASO 79947 251
EL PASO 79948 251
EL PASO 79949 251
EL PASO 79950 251
EL PASO 79951 251
EL PASO 79952 251
EL PASO 79953 251
EL PASO 79954 251
EL PASO 79955 251
EL PASO 79995 251
EL PASO 79997 251
EL PASO 88595 251

EL PASO 79920 252
EL PASO 79925 252
EL PASO 79930 252
EL PASO 79931 252
EL PASO 79968 253
EL PASO 79915 254
EL PASO 79916 254
EL PASO 79926 254
EL PASO 79849 255
EL PASO 79928 255
FORT BEND 77435 257
FORT BEND 77420 258
FORT BEND 77474 259
FORT BEND 77476 259
FORT BEND 77485 259
FORT BEND 77031 260
FORT BEND 77459 261
FORT BEND 77478 262
FORT BEND 77498 262
FORT BEND 77477 263
FORT BEND 77497 263
FORT BEND 77493 264
FORT BEND 77545 265
FORT BEND 77584 265
FORT BEND 77450 266
FORT BEND 77430 267
FORT BEND 77085 268
FORT BEND 77082 269
FORT BEND 77083 271
FORT BEND 77099 272
FORT BEND 77053 273
FORT BEND 77494 274
FORT BEND 77464 275
FORT BEND 77471 275
FORT BEND 77441 276
FORT BEND 77406 277
FORT BEND 77407 277
FORT BEND 77469 277
FORT BEND 77481 277
FORT BEND 77423 278
FORT BEND 77583 279
FORT BEND 77479 281
FORT BEND 77496 281
FORT BEND 77417 282
FORT BEND 77451 282
FORT BEND 77489 283
FORT BEND 77444 284
FORT BEND 77461 284

HARRIS 77056 286
HARRIS 77001 287
HARRIS 77002 287
HARRIS 77201 287
HARRIS 77208 287
HARRIS 77252 287
HARRIS 77253 287
HARRIS 77270 287
HARRIS 77505 288
HARRIS 77508 288
HARRIS 77010 289
HARRIS 77030 290
HARRIS 77532 291
HARRIS 77005 292
HARRIS 77265 292
HARRIS 77031 293
HARRIS 77043 294
HARRIS 77024 295
HARRIS 77389 296
HARRIS 77042 297
HARRIS 77346 298
HARRIS 77098 299
HARRIS 77019 300
HARRIS 77219 300
HARRIS 77546 301
HARRIS 77410 302
HARRIS 77429 302
HARRIS 77477 303
HARRIS 77034 304
HARRIS 77059 305
HARRIS 77013 306
HARRIS 77213 306
HARRIS 77229 306
HARRIS 77025 307
HARRIS 77225 307
HARRIS 77012 308
HARRIS 77262 308
HARRIS 77032 309
HARRIS 77315 309
HARRIS 77396 311
HARRIS 77054 312
HARRIS 77230 312
HARRIS 77254 312
HARRIS 77095 313
HARRIS 77379 313
HARRIS 77383 313
HARRIS 77391 313
HARRIS 77598 313
HARRIS 77503 314
HARRIS 77375 315
HARRIS 77027 316
HARRIS 77227 316
HARRIS 77256 316
HARRIS 77277 316
HARRIS 77325 316
HARRIS 77339 316
HARRIS 77345 316

HARRIS 77401 316
HARRIS 77413 316
HARRIS 77491 316
HARRIS 77492 316
HARRIS 77493 316
HARRIS 77373 317
HARRIS 77507 318
HARRIS 77061 319
HARRIS 77207 319
HARRIS 77089 321
HARRIS 77245 321
HARRIS 77049 322
HARRIS 77041 323
HARRIS 77536 323
HARRIS 77571 323
HARRIS 77572 323
HARRIS 77046 324
HARRIS 77062 325
HARRIS 77258 325
HARRIS 77259 325
HARRIS 77289 325
HARRIS 77094 326
HARRIS 77218 326
HARRIS 77562 327
HARRIS 77447 328
HARRIS 77057 329
HARRIS 77079 329
HARRIS 77257 329
HARRIS 77279 329
HARRIS 77433 330
HARRIS 77006 331
HARRIS 77266 331
HARRIS 77077 332
HARRIS 77242 332
HARRIS 77244 332
HARRIS 77547 333
HARRIS 77073 334
HARRIS 77015 335
HARRIS 77029 336
HARRIS 77050 336
HARRIS 77530 336
HARRIS 77336 337
HARRIS 77521 338
HARRIS 77522 338
HARRIS 77365 339
HARRIS 77096 341
HARRIS 77018 342
HARRIS 77206 342
HARRIS 77003 343
HARRIS 77023 344
HARRIS 77223 344
HARRIS 77090 345
HARRIS 77273 345
HARRIS 77066 346
HARRIS 77074 347
HARRIS 77274 347
HARRIS 77064 348
HARRIS 77014 349
HARRIS 77268 349
HARRIS 77290 349
HARRIS 77084 350
HARRIS 77284 350
HARRIS 77004 351
HARRIS 77288 351
HARRIS 77450 352
HARRIS 77081 353
HARRIS 77581 354

HARRIS 77008 355
HARRIS 77248 355
HARRIS 77338 356
HARRIS 77347 356
HARRIS 77051 357
HARRIS 77233 357
HARRIS 77080 358
HARRIS 77280 358
HARRIS 77502 359
HARRIS 77067 360
HARRIS 77047 361
HARRIS 77016 362
HARRIS 77017 362
HARRIS 77037 362
HARRIS 77048 362
HARRIS 77092 362
HARRIS 77217 362
HARRIS 77261 362
HARRIS 77287 362
HARRIS 77021 363
HARRIS 77221 363
HARRIS 77076 364
HARRIS 77093 364
HARRIS 77020 365
HARRIS 77220 365
HARRIS 77022 366
HARRIS 77222 366
HARRIS 77026 367
HARRIS 77226 367
HARRIS 77007 368
HARRIS 77065 369
HARRIS 77504 369
HARRIS 77075 371
HARRIS 77275 371
HARRIS 77501 372
HARRIS 77506 372
HARRIS 77009 373
HARRIS 77249 373
HARRIS 77063 374
HARRIS 77044 375
HARRIS 77060 376
HARRIS 77520 377
HARRIS 77523 377
HARRIS 77068 378
HARRIS 77070 379
HARRIS 77388 381
HARRIS 77085 382
HARRIS 77086 383
HARRIS 77091 384
HARRIS 77291 384
HARRIS 77293 384
HARRIS 77035 385
HARRIS 77038 385
HARRIS 77055 385
HARRIS 77088 385
HARRIS 77231 385
HARRIS 77235 385
HARRIS 77238 385
HARRIS 77243 385
HARRIS 77255 385
HARRIS 77082 386
HARRIS 77083 387
HARRIS 77587 388
HARRIS 77045 389
HARRIS 77028 391
HARRIS 77078 391
HARRIS 77228 391

HARRIS 77033 392
HARRIS 77071 393
HARRIS 77263 393
HARRIS 77271 393
HARRIS 77011 394
HARRIS 77036 395
HARRIS 77236 395
HARRIS 77237 395
HARRIS 77058 396
HARRIS 77072 397
HARRIS 77272 397
HARRIS 77099 398
HARRIS 77411 398
HARRIS 77087 399
HARRIS 77053 401
HARRIS 77494 402
HARRIS 77357 404
HARRIS 77484 406
HARRIS 77449 407
HARRIS 77039 408
HARRIS 77040 408
HARRIS 77240 408
HARRIS 77241 408
HARRIS 77489 411
HARRIS 77377 412
HARRIS 77069 413
HARRIS 77586 414
HIDALGO 78504 416
HIDALGO 78577 416
HIDALGO 78539 417
HIDALGO 78540 417
HIDALGO 78541 417
HIDALGO 78542 417
HIDALGO 78558 417
HIDALGO 78589 417
HIDALGO 78501 418
HIDALGO 78503 418
HIDALGO 78505 418
HIDALGO 78557 418
HIDALGO 78516 419
HIDALGO 78537 419
HIDALGO 78538 419
HIDALGO 78543 419
HIDALGO 78549 419
HIDALGO 78552 419
HIDALGO 78560 419
HIDALGO 78562 419
HIDALGO 78563 419
HIDALGO 78565 419
HIDALGO 78570 419
HIDALGO 78572 419
HIDALGO 78573 419
HIDALGO 78574 419
HIDALGO 78576 419
HIDALGO 78579 419
HIDALGO 78580 419
HIDALGO 78595 419
HIDALGO 78596 419
HIDALGO 78599 419

JONES 79601 110
JONES 79501 758
JONES 79503 758
JONES 79520 758
JONES 79525 758
JONES 79533 758
JONES 79536 758
JONES 79553 758
JONES 79560 758
LUBBOCK 79401 424
LUBBOCK 79402 424
LUBBOCK 79407 424
LUBBOCK 79413 424
LUBBOCK 79415 424
LUBBOCK 79416 424
LUBBOCK 79423 424
LUBBOCK 79490 424
LUBBOCK 79499 424
LUBBOCK 79311 425
LUBBOCK 79329 426
LUBBOCK 79363 426
LUBBOCK 79364 426
LUBBOCK 79366 426
LUBBOCK 79382 426
LUBBOCK 79406 427
LUBBOCK 79409 427
LUBBOCK 79411 427

LUBBOCK 79412 427
LUBBOCK 79414 427
LUBBOCK 79452 427
LUBBOCK 79410 428
LUBBOCK 79350 429
LUBBOCK 79403 429
LUBBOCK 79404 429
LUBBOCK 79358 431
LUBBOCK 79424 431
LUBBOCK 79464 431
MCLENNAN 76689 433
MCLENNAN 76655 434
MCLENNAN 76706 435
MCLENNAN 76798 435
MCLENNAN 76624 436
MCLENNAN 76630 436
MCLENNAN 76633 436
MCLENNAN 76634 436
MCLENNAN 76638 436
MCLENNAN 76640 436
MCLENNAN 76654 436
MCLENNAN 76657 436
MCLENNAN 76561 437
MCLENNAN 76664 438
MCLENNAN 76682 438
MCLENNAN 76684 438
MCLENNAN 76691 438
MCLENNAN 76701 439
MCLENNAN 76704 439
MCLENNAN 76715 439
MCLENNAN 76622 441
MCLENNAN 76643 441
MCLENNAN 76705 441
MCLENNAN 76707 441
MCLENNAN 76557 442
MCLENNAN 76711 443
MCLENNAN 76712 443
MCLENNAN 76716 443
MCLENNAN 76708 444
MCLENNAN 76710 444
MCLENNAN 76524 445

NUECES 78330 70
NUECES 78336 70
NUECES 78339 70
NUECES 78343 70
NUECES 78351 70
NUECES 78362 70
NUECES 78363 70
NUECES 78370 70
NUECES 78380 70
NUECES 78383 70
NUECES 78390 70
NUECES 78406 70
NUECES 78407 70
NUECES 78409 70
NUECES 78410 70
NUECES 78417 70
NUECES 78426 70
NUECES 78460 70
NUECES 78347 71
NUECES 78373 71
NUECES 78401 71
NUECES 78402 71
NUECES 78404 71
NUECES 78405 71
NUECES 78408 71
NUECES 78411 71
NUECES 78412 71
NUECES 78413 71
NUECES 78414 71
NUECES 78415 71
NUECES 78416 71
NUECES 78418 71
NUECES 78419 71
NUECES 78427 71
NUECES 78463 71
NUECES 78465 71
NUECES 78467 71
NUECES 78468 71

NUECES 78472 71
NUECES 78480 71
TARRANT 76008 478
TARRANT 75062 479
TARRANT 76002 481
TARRANT 76040 481
TARRANT 76133 481
TARRANT 76162 481
TARRANT 76163 481
TARRANT 76005 482
TARRANT 76006 482
TARRANT 76120 482
TARRANT 76155 482
TARRANT 76012 483
TARRANT 76016 483
TARRANT 76017 483
TARRANT 76107 483
TARRANT 76123 484
TARRANT 75050 485
TARRANT 76114 486
TARRANT 76011 487
TARRANT 76111 487

TARRANT 76116 488
TARRANT 76134 488
TARRANT 76013 489
TARRANT 76022 489
TARRANT 76053 491
TARRANT 76115 492
TARRANT 76104 493
TARRANT 76110 494
TARRANT 76105 495
TARRANT 76119 495
TARRANT 76106 496
TARRANT 76161 496
TARRANT 76164 496
TARRANT 76122 497
TARRANT 75261 498
TARRANT 76101 499
TARRANT 76102 499
TARRANT 76113 499
TARRANT 76117 500
TARRANT 76039 501
TARRANT 76148 501
TARRANT 76109 502
TARRANT 76129 503
TARRANT 76060 504
TARRANT 76137 504
TARRANT 76180 505
TARRANT 76181 505
TARRANT 76182 505
TARRANT 76071 506
TARRANT 76136 506
TARRANT 76179 506
TARRANT 76019 507
TARRANT 75022 508
TARRANT 75028 508
TARRANT 76051 508
TARRANT 76092 508
TARRANT 76063 509
TARRANT 76112 511
TARRANT 76124 511
TARRANT 76132 512
TARRANT 76021 513
TARRANT 76054 513
TARRANT 76108 514
TARRANT 76126 515
TARRANT 76103 516
TARRANT 76135 517
TARRANT 76131 518
TARRANT 76028 519
TARRANT 75052 521
TARRANT 75054 521
TARRANT 75051 522
TARRANT 76018 523
TARRANT 76096 523
TARRANT 76007 524
TARRANT 76010 524
TARRANT 76014 524
TARRANT 76118 524
TARRANT 76015 525
TARRANT 76034 526
TARRANT 76020 527
TARRANT 76001 528
TARRANT 76248 529
TARRANT 76036 531
TARRANT 76052 532
TARRANT 76177 532
TARRANT 76262 533
TARRANT 76127 534

TARRANT 76140 534
TAYLOR 79563 110
TAYLOR 79601 110
TAYLOR 79602 110
TAYLOR 79603 110
TAYLOR 79605 110
TAYLOR 79606 110
TAYLOR 79607 110
TAYLOR 79697 110
TAYLOR 79698 110
TAYLOR 79699 110
TAYLOR 79508 111
TAYLOR 79519 111
TAYLOR 79530 111
TAYLOR 79536 111
TAYLOR 79541 111
TAYLOR 79561 111
TAYLOR 79562 111
TAYLOR 79566 111
TAYLOR 79567 111
TRAVIS 78654 536
TRAVIS 78634 537
TRAVIS 78757 538
TRAVIS 78727 539
TRAVIS 78750 539
TRAVIS 78759 539
TRAVIS 78620 541
TRAVIS 78663 541
TRAVIS 78739 543
TRAVIS 78613 544
TRAVIS 78664 544
TRAVIS 78617 545
TRAVIS 78621 546
TRAVIS 78669 547
TRAVIS 78748 548
TRAVIS 78610 549
TRAVIS 78729 551
TRAVIS 78728 552
TRAVIS 78753 553
TRAVIS 78708 554
TRAVIS 78718 554
TRAVIS 78758 554
TRAVIS 78752 555
TRAVIS 78730 556
TRAVIS 78615 557
TRAVIS 78705 558
TRAVIS 78713 558
TRAVIS 78724 559
TRAVIS 78734 561
TRAVIS 78744 562
TRAVIS 78760 562
TRAVIS 78641 563
TRAVIS 78642 563

TRAVIS 78741 564
TRAVIS 78749 565
TRAVIS 78645 566
TRAVIS 78701 567
TRAVIS 78704 568
TRAVIS 78764 568
TRAVIS 78751 569
TRAVIS 78735 571
TRAVIS 78736 572
TRAVIS 78731 573
TRAVIS 78712 574
TRAVIS 78726 575
TRAVIS 78710 576
TRAVIS 78754 576
TRAVIS 78756 577
TRAVIS 78723 578
TRAVIS 78745 579
TRAVIS 78652 581
TRAVIS 78719 582
TRAVIS 78725 582
TRAVIS 78747 582
TRAVIS 78732 583
TRAVIS 78742 584
TRAVIS 78738 585
TRAVIS 78702 586
TRAVIS 78762 586
TRAVIS 78703 587
TRAVIS 78660 588
TRAVIS 78691 588
TRAVIS 78716 589
TRAVIS 78746 589
TRAVIS 78653 591
TRAVIS 78722 592
TRAVIS 78737 593
TRAVIS 78721 594
TRAVIS 78799 594
TRAVIS 78612 595
TRAVIS 78733 596
TRAVIS 78640 597
Group Rate Factor

No 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Yes 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900

4 < 1990 0.210 0.420
5 < 1990 0.250 0.520
6 < 1990 0.380 0.620
7 < 1990 0.490 0.700
8 < 1990 0.640 0.800
10 < 1990 0.800 0.880
11 < 1990 0.960 0.970
12 < 1990 1.140 1.070
13 < 1990 1.370 1.180
14 < 1990 1.640 1.320
15 < 1990 1.950 1.480
16 < 1990 2.270 1.650
17 < 1990 2.640 1.800
18 < 1990 3.060 1.940
19 < 1990 3.550 2.110
20 < 1990 4.140 2.320
21 < 1990 5.170 2.710
1 1990 - 2010 0.380 0.620
2 1990 - 2010 0.490 0.700
3 1990 - 2010 0.590 0.770
4 1990 - 2010 0.670 0.820
5 1990 - 2010 0.750 0.860
6 1990 - 2010 0.840 0.900
7 1990 - 2010 0.920 0.950
8 1990 - 2010 1.000 1.000
10 1990 - 2010 1.090 1.050
11 1990 - 2010 1.200 1.100
12 1990 - 2010 1.310 1.150
13 1990 - 2010 1.430 1.210
14 1990 - 2010 1.560 1.280
15 1990 - 2010 1.720 1.370
16 1990 - 2010 1.870 1.440
17 1990 - 2010 2.020 1.520
18 1990 - 2010 2.160 1.600
19 1990 - 2010 2.340 1.680
20 1990 - 2010 2.540 1.760
21 1990 - 2010 2.770 1.840
22 1990 - 2010 3.060 1.940
23 1990 - 2010 3.370 2.050
24 1990 - 2010 3.830 2.210
25 1990 - 2010 4.490 2.460
26 1990 - 2010 5.170 2.710
1 2011+ 0.310 0.440
2 2011+ 0.380 0.550
3 2011+ 0.470 0.670
4 2011+ 0.580 0.770
5 2011+ 0.660 0.820
6 2011+ 0.730 0.850
7 2011+ 0.810 0.880
8 2011+ 0.870 0.920
10 2011+ 0.940 0.960
11 2011+ 1.000 1.000
12 2011+ 1.060 1.030
13 2011+ 1.110 1.060
14 2011+ 1.160 1.080
15 2011+ 1.220 1.110
16 2011+ 1.270 1.130

17 2011+ 1.330 1.160
18 2011+ 1.390 1.190
19 2011+ 1.440 1.220
20 2011+ 1.490 1.240
21 2011+ 1.540 1.270
22 2011+ 1.590 1.300
23 2011+ 1.640 1.330
24 2011+ 1.690 1.350
25 2011+ 1.740 1.380
26 2011+ 1.780 1.400
27 2011+ 1.830 1.420
28 2011+ 1.880 1.450
29 2011+ 1.920 1.470
30 2011+ 1.970 1.500
31 2011+ 2.020 1.520
32 2011+ 2.060 1.540
33 2011+ 2.100 1.570
34 2011+ 2.150 1.590
35 2011+ 2.190 1.610
36 2011+ 2.250 1.640
37 2011+ 2.320 1.670
38 2011+ 2.390 1.700
39 2011+ 2.450 1.720
40 2011+ 2.520 1.750
41 2011+ 2.580 1.770
42 2011+ 2.650 1.800
43 2011+ 2.710 1.820
44 2011+ 2.780 1.840
45 2011+ 2.840 1.860
46 2011+ 2.910 1.860
47 2011+ 2.990 1.920
48 2011+ 3.070 1.940
49 2011+ 3.150 1.970
50 2011+ 3.220 2.000
51 2011+ 3.300 2.030
52 2011+ 3.380 2.050
53 2011+ 3.450 2.080
54 2011+ 3.570 2.120
55 2011+ 3.720 2.170
56 2011+ 3.880 2.230
57 2011+ 4.020 2.280
58 2011+ 4.250 2.370
59 2011+ 4.550 2.480
60 2011+ 4.860 2.590
61 2011+ 5.180 2.730
62 2011+ 5.500 2.890
63 2011+ 5.830 3.040
64 2011+ 6.160 3.200
65 2011+ 6.480 3.350
66 2011+ 6.980 3.580
67 2011+ 7.650 3.900
68 2011+ 8.310 4.220
69 2011+ 8.970 4.540
70 2011+ 9.640 4.850
71 2011+ 10.310 5.160
72 2011+ 10.980 5.470
73 2011+ 11.650 5.780
74 2011+ 12.320 6.090
75 2011+ 12.990 6.400
Each Add'l $10k * < 1990 0.670 0.310

Each Add'l $10k * 1990 - 2010 0.670 0.310
Each Add'l $10k ** 2011+ 0.670 0.310
Notes:
Vehicle Age Factor

0 0.880 0.880 0.789 0.789 0.839 0.768
1 0.886 0.886 0.811 0.811 0.899 0.797
2 0.901 0.901 0.843 0.843 0.925 0.817
3 0.919 0.919 0.878 0.878 0.939 0.833
4 0.938 0.938 0.910 0.910 0.926 0.845
5 0.957 0.957 0.941 0.941 0.904 0.853
6 0.946 0.946 0.926 0.926 0.880 0.817
7 0.936 0.936 0.911 0.911 0.853 0.773
8 0.925 0.925 0.895 0.895 0.818 0.729
9 0.915 0.915 0.881 0.881 0.784 0.686
10 0.904 0.904 0.865 0.865 0.749 0.643
11 0.893 0.893 0.849 0.849 0.713 0.599
12 0.883 0.883 0.835 0.835 0.679 0.556
13 0.873 0.873 0.819 0.819 0.647 0.513
14 0.863 0.863 0.804 0.804 0.626 0.481
15 0.852 0.852 0.789 0.789 0.604 0.449
16 0.842 0.842 0.773 0.773 0.584 0.416
17 0.831 0.831 0.759 0.759 0.561 0.384
18 0.820 0.820 0.739 0.739 0.540 0.352
19 0.810 0.810 0.718 0.718 0.519 0.319
20 0.799 0.799 0.713 0.713 0.497 0.287
21 0.789 0.789 0.697 0.697 0.476 0.255
22 0.778 0.778 0.682 0.682 0.454 0.243
23 0.778 0.778 0.682 0.682 0.454 0.243
>= 24 0.778 0.778 0.682 0.682 0.454 0.243
Limit Non-CSL CSL

30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.480 N/A
250,000 / 500,000 1.610 N/A
300,000 / 300,000 1.540 1.540
325,000 / 325,000 1.560 1.560
300,000 / 500,000 1.630 N/A
500,000 / 500,000 1.680 1.680
500,000 / 1,000,000 1.780 N/A
1,000,000 / 1,000,000 2.020 2.020
Limit Non-CSL CSL

25,000 1.000 N/A
50,000 1.040 N/A
100,000 1.090 N/A
300,000 1.190 1.071
325,000 1.195 1.076
500,000 1.220 1.098
1,000,000 1.290 1.161
Limit Factor
No Coverage 0.000
1,000 1.000
2,000 1.740
5,000 2.560
10,000 3.260
25,000 4.210
50,000 4.740
Limit Factor
No Coverage 0.000
2,500 0.540
5,000 0.690
10,000 1.000
25,000 1.490
50,000 1.670

30,000 / 60,000 1.000 N/A
100,000 / 300,000 1.670 N/A
250,000 / 500,000 2.100 N/A
300,000 / 300,000 1.770 1.310
325,000 / 325,000 1.810 1.360
300,000 / 500,000 2.120 N/A
500,000 / 500,000 2.270 1.680
500,000 / 1,000,000 2.380 N/A
1,000,000 / 1,000,000 2.590 1.920
Limit UM/UIMPD
No Coverage 0.000
25,000 1.000
50,000 1.230
100,000 1.360
300,000 1.880
325,000 1.950
500,000 2.400
1,000,000 3.700
Deductible Factor
No Coverage 0.000
500 0.920
1,000 0.800
2,500 0.620
5,000 0.490
10,000 0.380
Deductible Factor
No Coverage 0.000
500 1.000
1,000 0.890
2,500 0.700
5,000 0.520
10,000 0.320
Vehicle Use Factors
Usage Factor
Farm 0.900
Business 1.250
Safety Tier 1.000
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Months Since Additive

Points Last Incident Factor
0 0 – 12 0.000
5 0 – 12 1.560
10 0 – 12 3.050
0 13 – 24 0.000
5 13 – 24 1.000
10 13 – 24 2.840
0 25 – 35 0.000
5 25 – 35 0.900
10 25 – 35 2.630
0 36+ 0.000
Each Add'l 5Pts 0 – 12 +1.500
Each Add'l 5Pts 13 – 24 +1.400
Each Add'l 5Pts 25 – 35 +1.350
Note: 5 points are assigned for each major violation

Accident Surcharge
Number of
0 0 – 12 0.000
1 0 – 12 0.580
2 0 – 12 1.350
3 0 – 12 2.450
4 0 – 12 3.740
0 13 – 24 0.000
1 13 – 24 0.490
2 13 – 24 1.230
3 13 – 24 2.280
4 13 – 24 3.510
0 25 – 35 0.000
1 25 – 35 0.410
2 25 – 35 1.110
3 25 – 35 2.100
4 25 – 35 3.270
0 36+ 0.000


No 1.000
Yes 0.870

No 1.000
Yes 1.400
Years with
Financial Tesla
1 - 0.630 0.630 0.370 0.370 0.490 0.540 0.370 0.370 0.540
2 - 0.680 0.680 0.420 0.420 0.520 0.590 0.420 0.420 0.590
3 - 0.710 0.710 0.480 0.480 0.550 0.620 0.480 0.480 0.620
4 - 0.760 0.760 0.530 0.530 0.580 0.660 0.530 0.530 0.660
5 - 0.790 0.790 0.590 0.590 0.600 0.710 0.590 0.590 0.710
6 - 0.820 0.820 0.640 0.640 0.630 0.740 0.640 0.640 0.740
7 - 0.850 0.850 0.680 0.680 0.660 0.770 0.680 0.680 0.770
8 - 0.910 0.910 0.740 0.740 0.710 0.820 0.740 0.740 0.820
9 - 0.930 0.930 0.780 0.780 0.740 0.850 0.780 0.780 0.850
10 - 0.950 0.950 0.810 0.810 0.790 0.870 0.810 0.810 0.870
11 - 0.970 0.970 0.860 0.860 0.840 0.900 0.860 0.860 0.900
12 - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Order - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Score <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No Score 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No Score 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680
No-Hit <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830
No-Hit 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770
No-Hit 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680

1 1 N 1.010 1.010 0.980 0.980 0.930 1.000
1 1 Y 1.030 1.030 0.940 0.940 1.090 1.130
1 2 N 1.070 1.070 1.190 1.190 0.960 1.060
1 2 Y 1.190 1.190 1.170 1.170 1.140 1.260
1 3 N 1.070 1.070 1.200 1.200 0.960 1.060
1 3 Y 1.150 1.150 1.110 1.110 1.130 1.260
1 4 N 1.070 1.070 1.220 1.220 0.960 1.060
1 4 Y 1.150 1.150 1.120 1.120 1.130 1.260
2 1 N 0.930 0.930 0.910 0.910 1.100 0.800
2 1 Y 1.010 1.010 0.940 0.940 1.240 1.000
2 2 N 1.000 1.000 1.000 1.000 1.000 1.000
2 2 Y 1.120 1.120 0.970 0.970 1.140 1.160
2 3 N 1.070 1.070 1.220 1.220 1.020 1.060
2 3 Y 1.150 1.150 1.140 1.140 1.150 1.260
2 4 N 1.070 1.070 1.230 1.230 1.020 1.060
2 4 Y 1.150 1.150 1.150 1.150 1.150 1.260
3 1 N 0.910 0.910 0.890 0.890 1.120 0.800
3 1 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 2 N 0.910 0.910 0.900 0.900 1.120 0.800
3 2 Y 1.010 1.010 0.940 0.940 1.250 1.000
3 3 N 0.990 0.990 1.050 1.050 1.030 1.000
3 3 Y 1.080 1.080 1.010 1.010 1.140 1.160
3 4 N 1.060 1.060 1.220 1.220 1.050 1.060
3 4 Y 1.140 1.140 1.130 1.130 1.160 1.260
4 1 N 0.910 0.910 0.890 0.890 1.120 0.800
4 1 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 2 N 0.910 0.910 0.900 0.900 1.120 0.800
4 2 Y 1.000 1.000 0.940 0.940 1.250 1.000
4 3 N 0.910 0.910 0.980 0.980 1.120 0.800
4 3 Y 0.990 0.990 0.920 0.920 1.230 1.000
4 4 N 0.990 0.990 1.060 1.060 1.030 1.000
4 4 Y 1.070 1.070 1.020 1.020 1.140 1.160

Restraint Type
U Unknown 1.000
0 Safety Tier 1.000
Safety Tier Factor

Safety Tier 10 0.270 0.270 0.270 0.270 0.270 0.270
Safety Tier 9 0.310 0.310 0.310 0.310 0.310 0.310
Safety Tier 8 0.350 0.350 0.350 0.350 0.350 0.350
Safety Tier 7 0.370 0.370 0.370 0.370 0.370 0.370
Safety Tier 6 0.400 0.400 0.400 0.400 0.400 0.400
Safety Tier 5 0.480 0.480 0.480 0.480 0.480 0.480
Safety Tier 4 0.550 0.550 0.550 0.550 0.550 0.550
Safety Tier 3 0.690 0.690 0.690 0.690 0.690 0.690
Safety Tier 2 0.820 0.820 0.820 0.820 0.820 0.820
Safety Tier 1 1.000 1.000 1.000 1.000 1.000 1.000
Opt Out 1.000 1.000 1.000 1.000 1.000 1.000
Unconnected Car 0.512 0.512 0.720 0.720 0.512 0.512
Matrix Factor
Financial Multi-Car
1 No 0.930 0.930 0.890 0.890 0.900 0.920
1 Yes 0.800 0.800 0.800 0.800 0.790 0.810
2 No 0.930 0.930 0.890 0.890 0.900 0.920
2 Yes 0.800 0.800 0.800 0.800 0.790 0.810
3 No 0.930 0.930 0.890 0.890 0.900 0.920
3 Yes 0.800 0.800 0.800 0.800 0.790 0.810
4 No 0.930 0.930 0.890 0.890 0.900 0.920
4 Yes 0.800 0.800 0.800 0.800 0.790 0.810
5 No 0.930 0.930 0.890 0.890 0.900 0.920
5 Yes 0.800 0.800 0.800 0.800 0.790 0.810
6 No 0.930 0.930 0.890 0.890 0.900 0.920
6 Yes 0.800 0.800 0.800 0.800 0.790 0.810
7 No 0.930 0.930 0.890 0.890 0.900 0.920
7 Yes 0.800 0.800 0.800 0.800 0.790 0.810
8 No 0.930 0.930 0.890 0.890 0.900 0.920
8 Yes 0.800 0.800 0.800 0.800 0.790 0.810
9 No 0.930 0.930 0.890 0.890 0.900 0.920
9 Yes 0.800 0.800 0.800 0.800 0.790 0.810
10 No 0.930 0.930 0.890 0.890 0.900 0.920
10 Yes 0.800 0.800 0.800 0.800 0.790 0.810
11 No 0.930 0.930 0.890 0.890 0.900 0.920
11 Yes 0.800 0.800 0.800 0.800 0.790 0.810
12 No 0.930 0.930 0.890 0.890 0.900 0.920
12 Yes 0.800 0.800 0.800 0.800 0.790 0.810
NO No 0.930 0.930 0.890 0.890 0.900 0.920
NO Yes 0.800 0.800 0.800 0.800 0.790 0.810
NS No 0.930 0.930 0.890 0.890 0.900 0.920
NS Yes 0.800 0.800 0.800 0.800 0.790 0.810
NH No 0.930 0.930 0.890 0.890 0.900 0.920
NH Yes 0.800 0.800 0.800 0.800 0.790 0.810
Companion Discount
Companion Factor
Yes 0.955
No 1.000
Coverage Expenses

Expense $6.17 $6.33 $0.98 $1.63 $5.57 $12.58
Coverage Fee
Crime Fee $2.00
Auto Loan/Lease Gap

Coverage Factor
Yes 0.050
No 0.000
Roadside Assistance
Package Base
Basic 11
Plus 21

Limit Vehicle
In-Network 32
$30/$900 35
40/1,200 46
50/1,500 56
60/1,800 65
75/2,250 75
125/2,500 105
250/5,000 180
500/7,500 269


Supporting Document Schedules

Comments: Yes. This filing does contain confidential information.
Attachment(s):
Item Status:
Status Date:

Comments:
Item Status:
Status Date:
Satisfied - Item: Exhibit A

Comments:
Attachment(s): TIS TDI Exhibit A.pdf
Item Status:
Status Date:
Bypassed - Item: Exhibit C

Bypass Reason: Not a group filing
Attachment(s):
Item Status:
Status Date:

Comments:
Item Status:
Status Date:
Satisfied - Item: Filing Authorization Letter
Revised
Exhibit 1
Page 1
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Coverage
UM/UIMBI
Notes:
Revised
Exhibit 1
Page 2
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors

Tier 1 70% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Tier 2 20% 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200
Tier 3 10% 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300
Notes:
Revised
Exhibit 1
Page 3a
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors

Safety Tier 10 10.0% 0.270 0.270 0.270 0.270 0.270 0.270 1.000 1.000 1.000 0.344
Safety Tier 9 10.0% 0.310 0.310 0.310 0.310 0.310 0.310 1.000 1.000 1.000 0.380
Safety Tier 8 10.0% 0.350 0.350 0.350 0.350 0.350 0.350 1.000 1.000 1.000 0.416
Safety Tier 7 10.0% 0.370 0.370 0.370 0.370 0.370 0.370 1.000 1.000 1.000 0.434
Safety Tier 5 10.0% 0.480 0.480 0.480 0.480 0.480 0.480 1.000 1.000 1.000 0.533
Safety Tier 4 10.0% 0.550 0.550 0.550 0.550 0.550 0.550 1.000 1.000 1.000 0.596
Safety Tier 3 10.0% 0.690 0.690 0.690 0.690 0.690 0.690 1.000 1.000 1.000 0.721
Safety Tier 2 10.0% 0.820 0.820 0.820 0.820 0.820 0.820 1.000 1.000 1.000 0.838
Safety Tier 1 10.0% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I. Opt Out Factor 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Notes:
Revised
Exhibit 1
Page 3b
Texas
(1) (2) (3) (4) (5) (6) (7)

5 0.490 Safety Tier 10 0.490 100% 0.490 0.270

Safety Tier 9 0.560 100% 0.560 0.310
4 0.630 Safety Tier 8 0.630 100% 0.630 0.350
Safety Tier 7 0.675 100% 0.675 0.370
Safety Tier 5 0.865 100% 0.865 0.480
2 1.010 Safety Tier 4 1.010 100% 1.010 0.550
Safety Tier 3 1.500 50% 1.250 0.690
1 1.990 Safety Tier 2 1.990 50% 1.495 0.820
Safety Tier 1 2.640 50% 1.820 1.000
Notes:
4. Col (6) = ( Col (4) - 1 ) x Col (5) + 1
Revised
Exhibit 1
Page 4a
Texas

A. $30/$900 27.60
B. $40/$1,200 36.80
C. $50/$1,500 46.00
D. $60/$1,800 55.20
E. $75/$2,250 69.00
F. $100/$3,000 92.00


Notes:
Revised
Exhibit 1
Page 4b
Texas
(1) (2)
Notes:
2. From Tesla.
Revised
Exhibit 1
Page 4c
Texas
(1) (2) (3) (4) (5)
Ending ($) (%) ($) (%)
2015 - 4 119.24 7.41 248.05 6.39

2016 - 1 135.95 7.85 252.31 6.49
2016 - 2 224.59 9.74 253.93 6.46
2016 - 3 228.64 9.72 257.90 6.50
2016 - 4 231.25 9.64 261.79 6.57
2017 - 1 224.25 9.24 262.67 6.60
2017 - 2 150.02 7.48 263.21 6.65
2017 - 3 278.89 7.98 255.32 6.55
2017 - 4 279.09 7.96 254.37 6.50
2018 - 1 270.16 7.79 253.83 6.38
2018 - 2 243.46 7.22 251.82 6.29
2018 - 3 113.24 6.29 255.01 6.25
2018 - 4 104.74 5.98 253.42 6.18
2019 - 1 109.60 5.94 252.95 6.17
2019 - 2 129.25 6.04 253.16 6.05
2019 - 3 133.84 6.20 254.53 6.05
2019 - 4 150.27 6.32 256.93 6.06
2020 - 1 148.08 6.17 255.77 5.88
Notes:
Revised
Exhibit 1
Page 5
Texas

Basic 11.00
Plus 21.00

Basic 11.00
Plus 21.00
Notes:
Revised
Exhibit 1
Page 6
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Factors
UM/UIMBI

B. Rate Change 7.3% 7.3% 0.0% 0.0% 18.0% 12.3% 0.0% 0.0% 0.0% 9.8%
Notes:
Exhibit 2
Page 1a
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 1b
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 2
Texas
Fixed Expense Fee
(1) (2) (3) (4) (5) (6)
Selected
Selected
Notes:
Exhibit 2
Page 3a

Exhibit 2
Page 3b

Exhibit 2
Page 4a




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 4b




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 5
(1) (2) (3) (4) (5)
2019 2019
Taxable Bonds 28,552,380 21.00% 79.00% 22,556,380.1
Common Stocks 8,276,900 21.00% 79.00% 6,538,750.7
Cash 2,452,347 21.00% 79.00% 1,937,354.5
A. Total 58,362,217 47,412,372

2017 1,587,837,614 1,691,629,655 1,639,733,635 22,764,038 55,495,621
2018 1,691,629,655 1,703,075,569 1,697,352,612 13,322,964 (49,953,562)
2019 1,703,075,569 1,871,188,803 1,787,132,186 13,881,550 128,628,570
Total 4,982,542,839 5,265,894,027 5,124,218,433 49,968,552 134,170,629



Notes:
Exhibit 2
Page 6
(1) (2)
2018 2019

Notes:
Exhibit 2
Page 7
(1) (2) (3)
Property/ All
Casualty Industry
2009 5.7% 10.5% 8.1%
2010 6.0% 12.7% 9.4%
2011 3.5% 14.3% 8.9%
2012 5.2% 13.4% 9.3%
2013 8.0% 16.6% 12.3%
2014 6.6% 14.3% 10.5%
2015 6.6% 12.7% 9.7%
2016 4.8% 13.1% 9.0%
2017 3.2% 13.9% 8.6%
2018 7.0% 15.4% 11.2%
2009-2018 5.7% 13.7% 9.7%

2012-2018 5.9% 14.2% 10.1%

Notes:
Exhibit 3
Page 1
Texas
(1) (2) (3)
Indicated Selected
Notes:
Exhibit 3
Page 2
Texas
(1) (2)
Notes:
3. From Tesla.
Exhibit 3
Page 3
Texas
(1) (2)
Notes:
2. From Tesla.
Exhibit 3
Page 4

Texas

(1) (2) (3) (4)

Ending ($) (%) ($)
2015 - 4 775.39 8.98 8,639

2016 - 1 904.37 10.08 8,973
2016 - 2 1,379.14 16.00 8,620
2016 - 3 1,472.21 16.61 8,862
2016 - 4 1,540.59 16.84 9,149
2017 - 1 1,547.51 16.85 9,185
2017 - 2 1,295.88 12.67 10,228
2017 - 3 1,332.92 13.48 9,886
2017 - 4 1,302.08 13.15 9,900
2018 - 1 1,249.47 12.47 10,021
2018 - 2 1,056.77 10.25 10,315
2018 - 3 935.68 8.46 11,055
2018 - 4 902.51 8.14 11,089
2019 - 1 892.29 8.23 10,840
2019 - 2 965.22 9.08 10,636
2019 - 3 1,031.60 9.74 10,588
2019 - 4 1,104.92 9.90 11,157
2020 - 1 1,120.18 9.60 11,664
Last 4
1,055.48 9.58 11,011
Quarters Avg.
Notes:
Revised
Exhibit 4
Page 1
Texas
(1) (2)
Notes:
Exhibit 4
`
Page 2
Texas
Symbol
Current Proposed
5YJSA1H2&E 2014 MODEL S P85D 65 75 62 71
5YJSA4H1&E 2014 MODEL S 85 57 70 52 67
5YJSA1E1&F 2015 MODEL S 60 54 67 47 64
5YJSA1H1&F 2015 MODEL S 85 56 69 50 66
5YJSA1V1&F 2015 MODEL S 85 56 69 50 66
5YJSA4H1&F 2015 MODEL S 85 57 70 52 67
Exhibit 4
`
Page 3
Texas
Symbol
Current Proposed
5YJ3E1EA&H 2017 MODEL 3 42 48 37 37
5YJ3E1EB&J 2018 MODEL 3 AWD 47 61 41 58
5YJ3E1EA&J 2018 MODEL 3 42 48 37 37
5YJ3E1EB&K 2019 MODEL 3 AWD 47 61 41 58
Exhibit 4
`
Page 4
Texas
Symbol
Current Proposed
Exhibit 5
Page 1
Texas
Violation Surcharge
(1) (2) (3) (4)

0 0 to 12 months 0.000 0.000 0.000 0.000
1 0 to 12 months N/A N/A 0.310 0.000
2 0 to 12 months N/A N/A 0.620 0.000
3 0 to 12 months N/A N/A 0.930 0.000
4 0 to 12 months N/A N/A 1.240 0.000
5 0 to 12 months 1.560 0.000 1.560 0.000
6 0 to 12 months N/A N/A 1.860 0.000
7 0 to 12 months N/A N/A 2.160 0.000
8 0 to 12 months N/A N/A 2.460 0.000
9 0 to 12 months N/A N/A 2.760 0.000
10+ 0 to 12 months 3.050 1.500 3.050 0.300
0 12 to 24 months N/A N/A 0.000 0.000
1 12 to 24 months N/A N/A 0.200 0.000
2 12 to 24 months N/A N/A 0.400 0.000
3 12 to 24 months N/A N/A 0.600 0.000
4 12 to 24 months N/A N/A 0.800 0.000
5 12 to 24 months 1.000 0.000 1.000 0.000
6 12 to 24 months N/A N/A 1.370 0.000
7 12 to 24 months N/A N/A 1.740 0.000
8 12 to 24 months N/A N/A 2.110 0.000
9 12 to 24 months N/A N/A 2.480 0.000
10+ 12 to 24 months 2.840 1.400 2.840 0.280
0 24 to 35 months N/A N/A 0.000 0.000
1 24 to 35 months N/A N/A 0.180 0.000
2 24 to 35 months N/A N/A 0.360 0.000
3 24 to 35 months N/A N/A 0.540 0.000
4 24 to 35 months N/A N/A 0.720 0.000
5 24 to 35 months 0.900 0.000 0.900 0.000
6 24 to 35 months N/A N/A 1.250 0.000
7 24 to 35 months N/A N/A 1.600 0.000
8 24 to 35 months N/A N/A 1.950 0.000
9 24 to 35 months N/A N/A 2.300 0.000
10+ 24 to 35 months 2.630 1.350 2.630 0.270
Any 36+ months 0.000 0.000 0.000 0.000
Notes:
PC367 | 0116
 Print
Texas Department of Insurance Company Name: Redpoint County Mutual Insurance Company
Property/Casualty Rate Filing Exhibit Company NAIC Number: 29300
Company Filing Number: RCMIC-PA-2001-RR
Line: Private Passenger Auto
Page: 1 of: 2
Exhibit E - Expense Information - Including Disallowed Expense Adjustment (Page 1 of 2)
Coverage/Form: Private Passenger Auto - Liability
UNDERWRITING EXPENSES AS PERCENTS OF DIRECT PREMIUMS WRITTEN
20____
17 20____
18 20____
19
Amount Amount Amount Mean
TEXAS (Annual Statement Statutory Page 14) (000) Percent (000) Percent (000) Percent Percent
1. Premiums Written $ 65,537 --- $ 125,523 --- $ 157,491 --- ---
2. Premiums Earned $ 55,656 85 % $ 103,706 83 % $ 152,461 97 % 89.5 %
3. Commission & Brokerage Expenses Incurred $ 8,479 12.9 % $ 8,508 6.8 % $ 11,246 7.1 % 8.1 %
4 Taxes, Licenses & Fees Incurred $0 0% $ 2,698 2.1 % $ 2,942 1.9 % 1.6 %
COUNTRYWIDE
5. Premiums Written (IEE, Part III) $ 65,537 --- $ 125,523 --- $ 157,491 --- ---
6. Premiums Earned (IEE, Part III) $ 55,656 85 % $ 103,706 83 % $ 152,461 97 % 89.5 %
7. Commission & Brokerage Expenses Incurred (IEE, Part III) $ 8,479 12.9 % $ 8,508 6.8 % $ 11,246 7.1 % 8.1 %
8. Other Acquisition Expenses Incurred (IEE, Part III) $0 --- $0 --- $0 --- ---
a. Disallowed Advertising Expenses $ --- $ --- $ --- ---
b. Adjusted Other Acquisition Expenses Incurred $ % $ % $ % %
9. General Expenses Incurred (IEE, Part III) $ 1,659 3.0 % $0 0% $0 0% ---
a. Loss Control & Safety Engineering Expenses $ % $ % $ % %
b. Lobbying Expenses $ --- $ --- $ --- ---
c. Amounts Paid by an Insurer as Damages in a $ --- $ --- $ --- ---
Suit Against the Insurer for Bad Faith or as
Fines or Penalties for Violation of Law
d. Contributions to Organizations Engaged in $ --- $ --- $ --- ---
Legislative Advocacy
e. Fees & Penalties Imposed on the Insurer for $ --- $ --- $ --- ---
Civil or Criminal Violations of Law
f. Contributions to Social, Religious, Political or $ --- $ --- $ --- ---
Fraternal Organizations
g. Fees & Assessments Paid to Advisory $ --- $ $
Organizations --- --- ---
h. Disallowed General Expenses $ % $ % $ % ---
i. Adjusted General Expense Percent --- % --- % --- % %
j. Formula General Expense Percent --- % --- % --- % %
Attach additional Exhibit E pages as needed.
Texas Department of Insurance | www.tdi.texas.gov 1/2

PC367 | 0116
Page: 2 of: 2
Coverage/Form: Private Passenger Auto - Liability
LOSS ADJUSTMENT EXPENSES AS PERCENTS OF DIRECT INCURRED LOSSES

2017
____ 20____
18 20____
19
Texas (Annual Statement Statutory Page 14) (000) Percent (000) Percent (000) Percent Percent
10. Direct Incurred Losses $ 48,286 --- $ 83,976 --- $ 123,504 --- ---
11. DCCE $ 2,495 5.2 % $ 3,880 4.6 % $ 6,846 5.5 % 5.2 %
Countrywide (IEE, Part III)
12. Direct Incurred Losses $ 48,286 --- $ 83,976 --- $123,504 --- ---
13. DCCE Incurred $ 2,495 5.2 % $ 3,880 4.6 % $ 6,846 5.5 % 5.2 %
14. Adjusting and Other Expenses Incurred $ 6,362 13.2 % $ 8,809 10.5 % $0 0% 5.9 %
EXPENSE PROVISIONS UNDERLYING YOUR PROPOSED RATES, AS A

PERCENT OF PREMIUM
15. Commission & Brokerage Expenses Incurred 13.0 %
16. Other Acquisition Expenses Incurred 0.5 %
17. General Expenses Incurred 5.0 %
18. Taxes, Licenses & Fees Incurred 2.0 %
19. Profit 10 %
20. Total Expenses & Profit (sum of Lines 15 through 19) 30.5 %
21. Permissible Loss & LAE Ratio (1 - Line 20) 69.5 %
LOSS ADJUSTMENT EXPENSE PROVISIONS UNDERLYING YOUR

PROPOSED RATES, AS A PERCENT OF LOSSES
22. DCCE 5.2 %
23. Adjusting and Other Expenses 5.9 %
24. Total LAE (sum of Lines 22 & 23) 11.1 %

PC367 | 0116
 Print
Page: 1 of: 2
Coverage/Form: Private Passenger Auto - Physical Damage
UNDERWRITING EXPENSES AS PERCENTS OF DIRECT PREMIUMS WRITTEN
20____
17 20____
18 20____
19
TEXAS (Annual Statement Statutory Page 14) (000) Percent (000) Percent (000) Percent Percent
1. Premiums Written $ 31,927 --- $ 44,818 --- $ 46,309 --- ---
2. Premiums Earned $ 26,821 84.0 % $ 38,339 85.5 % $ 45,389 98 % 89.8 %
3. Commission & Brokerage Expenses Incurred $ 4,192 13.1 % $ 3,145 7.0 % $ 3,348 7.2 % 8.7 %
4 Taxes, Licenses & Fees Incurred $0 0% $ 963 2.1 % $ 865 1.9 % 1.5 %
COUNTRYWIDE
5. Premiums Written (IEE, Part III) $ 31,927 --- $ 44,818 --- $ 46,309 --- ---
6. Premiums Earned (IEE, Part III) $ 26,821 84.0 % $ 38,339 85.5 % $ 45,389 98 % 89.8 %
7. Commission & Brokerage Expenses Incurred (IEE, Part III) $ 4,192 13.1 % $ 3,145 7.0 % $ 3,348 7.2 % 8.7 %
8. Other Acquisition Expenses Incurred (IEE, Part III) $0 --- $0 --- $0 --- ---
a. Disallowed Advertising Expenses $ --- $ --- $ --- ---
b. Adjusted Other Acquisition Expenses Incurred $ % $ % $ % %
9. General Expenses Incurred (IEE, Part III) $ 797 3.0 % $0 0% $0 0% ---
a. Loss Control & Safety Engineering Expenses $ % $ % $ % %
b. Lobbying Expenses $ --- $ --- $ --- ---
c. Amounts Paid by an Insurer as Damages in a $ --- $ --- $ --- ---
Suit Against the Insurer for Bad Faith or as
Fines or Penalties for Violation of Law
d. Contributions to Organizations Engaged in $ --- $ --- $ --- ---
Legislative Advocacy
e. Fees & Penalties Imposed on the Insurer for $ --- $ --- $ --- ---
Civil or Criminal Violations of Law
f. Contributions to Social, Religious, Political or $ --- $ --- $ --- ---
Fraternal Organizations
g. Fees & Assessments Paid to Advisory $ --- $ $
Organizations --- --- ---
h. Disallowed General Expenses $ % $ % $ % ---
i. Adjusted General Expense Percent --- % --- % --- % %
j. Formula General Expense Percent --- % --- % --- % %

PC367 | 0116
Page: 2 of: 2
Coverage/Form: Private Passenger Auto - Physical Damage
LOSS ADJUSTMENT EXPENSES AS PERCENTS OF DIRECT INCURRED LOSSES

2017
____ 20____
18 20____
19
Texas (Annual Statement Statutory Page 14) (000) Percent (000) Percent (000) Percent Percent
10. Direct Incurred Losses $ 15,649 --- $ 18,849 --- $ 28,887 --- ---
11. DCCE $ 428 2.7 % $ 390 2.1 % $ 386 1.3 % 1.9 %
Countrywide (IEE, Part III)
12. Direct Incurred Losses $ 15,649 --- $ 18,849 --- $28,887 --- ---
13. DCCE Incurred $ 428 2.7 % $ 390 2.1 % $ 386 1.3 % 1.9 %
14. Adjusting and Other Expenses Incurred $ 2,438 15.6 % $ 3,058 16.2 % $0 0% 8.7 %
EXPENSE PROVISIONS UNDERLYING YOUR PROPOSED RATES, AS A

PERCENT OF PREMIUM
15. Commission & Brokerage Expenses Incurred 13.0 %
16. Other Acquisition Expenses Incurred 4.1 %
17. General Expenses Incurred 5.0 %
18. Taxes, Licenses & Fees Incurred 2.0 %
19. Profit 11.4 %
20. Total Expenses & Profit (sum of Lines 15 through 19) 35.5 %
21. Permissible Loss & LAE Ratio (1 - Line 20) 64.5 %
LOSS ADJUSTMENT EXPENSE PROVISIONS UNDERLYING YOUR

PROPOSED RATES, AS A PERCENT OF LOSSES
22. DCCE 1.9 %
23. Adjusting and Other Expenses 8.7 %
24. Total LAE (sum of Lines 22 & 23) 10.6 %

Exhibit 1
Page 1
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Coverage
UM/UIMBI
Notes:
Exhibit 1
Page 2
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors

Tier 1 70% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Tier 2 20% 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200
Tier 3 10% 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300
Notes:
Exhibit 1
Page 3a
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors
Current Safety Discounts
A. Vehicle Use Factor (Page 3b) 1.018 1.018 1.018 1.018 1.018 1.018 1.000 1.000 1.000 1.016
B. Passive Restraint Discount (Page 3c) 1.000 1.000 0.715 0.715 1.000 1.000 1.000 1.000 1.000 0.959
C. Overall Non-Safety Tier Factor (= A x B) 1.018 1.018 0.728 0.728 1.018 1.018 1.000 1.000 1.000 0.974
D. Tesla Proposed Safety Tier Factor (Note 4)

Safety Tier 10 10.0% 0.270 0.270 0.270 0.270 0.270 0.270 1.000 1.000 1.000 0.344
Safety Tier 9 10.0% 0.310 0.310 0.310 0.310 0.310 0.310 1.000 1.000 1.000 0.380
Safety Tier 8 10.0% 0.350 0.350 0.350 0.350 0.350 0.350 1.000 1.000 1.000 0.416
Safety Tier 7 10.0% 0.370 0.370 0.370 0.370 0.370 0.370 1.000 1.000 1.000 0.434
Safety Tier 5 10.0% 0.480 0.480 0.480 0.480 0.480 0.480 1.000 1.000 1.000 0.533
Safety Tier 4 10.0% 0.550 0.550 0.550 0.550 0.550 0.550 1.000 1.000 1.000 0.596
Safety Tier 3 10.0% 0.690 0.690 0.690 0.690 0.690 0.690 1.000 1.000 1.000 0.721
Safety Tier 2 10.0% 0.820 0.820 0.820 0.820 0.820 0.820 1.000 1.000 1.000 0.838
Safety Tier 1 10.0% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
E. Tesla Weighted Average (Note 3) 100% 0.524 0.524 0.524 0.524 0.524 0.524 1.000 1.000 1.000 0.572
F. Offset Adjustment (= C / E) 1.942 1.942 1.389 1.389 1.942 1.942 1.000 1.000 1.000 1.766
G. Selected Adjustment to Base Rate (= F) 1.942 1.942 1.389 1.389 1.942 1.942 1.000 1.000 1.000 1.766
H. Does Not Qualify - Unconnected Car (= 1 / G) 0.515 0.515 0.720 0.720 0.515 0.515 1.000 1.000 1.000 0.594
I. Opt Out Factor 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Notes:
2. Expected average factors shown for current Safety Discounts.
Safety Discounts listed in rows A through C will be applied to vehicles that do not opt-in or qualify for Safety Tier Factor.
Safety Tier Factor and Safety Discounts are mutually exclusive. When policyholder opts-in for Safety Tier, they will receive 1.000 for all current safety discounts.
5. Factors weighted using Crestbrook Insurance Company Texas state filing S667255, effective 10/15/2019 by coverage base rates for territory 246.
Exhibit 1
Page 3b
Texas
Average Factor for Vehicle Use
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors
A. Crestbrook Current Vehicle Use Factor (Note 1)

Farm 0% 0.900 0.900 0.900 0.900 0.900 0.900 1.000 1.000 1.000 0.910
Business 10% 1.250 1.250 1.250 1.250 1.250 1.250 1.000 1.000 1.000 1.225
Pleasure/Work - Primary Vehicle 75% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Pleasure/Work - Excess Vehicle 15% 0.950 0.950 0.950 0.950 0.950 0.950 1.000 1.000 1.000 0.955
B. Weighted Average Factor (Note 3) 100% 1.018 1.018 1.018 1.018 1.018 1.018 1.000 1.000 1.000 1.016
Notes:
1. Vehicle Use factors from Crestbrook Insurance Company approved Texas filing S667255, effective 10/15/2019.
2. Expected distribution from Tesla.
3. Weighted Average Factor = Sum [ Col (1) x Current Col Factor ].
Exhibit 1
Page 3c
Texas
Average Factor for Passive Restraint
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors
A. Crestbrook Current Passive Restraint Discount (Note 1)

Active (Manual) Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Driver Front Air Bag/Passenger Unknown 4% 1.000 1.000 0.800 0.800 1.000 1.000 1.000 1.000 1.000 0.971
Dual Front Air Bag/Belt System Unknown 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Driver Front Air Bag/Passenger Passive Belt 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Front Air Bag/Active Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Front Air Bag/Passive Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front and Sides/Belts Unknown 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front Head and Sides/Belts Unknown 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front Head and Sides/Passive Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front and Sides/Passive Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front and Sides/Active Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Air Bags Front Head and Sides/Active Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Driver Front Air Bag/Passenger Active Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Passive Belts (Automatic) 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Frnt/Sd/Actv Blts w/Ato Pass Snsr 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Frnt Hd and Sd/Act Blts/ w/Ato Pss Snsr 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Frnt/Act Blts/Rear Pass Side Air Bag 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Frnt Hd Sd/Act Belts/Du Rr Sd Ar Bgs 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs FrntHdSd/ActBlts/AtoPassSnsr/RrDuSdArBgs 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Fr/Sd Ar Bg Dvr Sd Only/Act Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Frnt and Hd Ar Bgs/Passenger Snsr/Act Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Dual Frnt Ar Bgs/Passenger Sensor/Active Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Frnt/Sd/Hd Air Bgs/Rr Hd Ar Bgs/Act Belts 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Du Ar Bgs Frnt/Act Blts/Pass Deactivate/cutoff 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
Unknown 4% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Du Frnt / Sid Ar Bgs/Passenger deactivation switch 4% 1.000 1.000 0.700 0.700 1.000 1.000 1.000 1.000 1.000 0.957
B. Book Weighted Average Factor (Note 3) 100% 1.000 1.000 0.715 0.715 1.000 1.000 1.000 1.000 1.000 0.959
Notes:
1. Passive Restraint Factors from Crestbrook Insurance Company approved Texas filing S6410, effective 10/31/2014.
2. Distribution assumed to be uniform across all categories.
Exhibit 1
Page 3d
Texas
(1) (2) (3) (4) (5) (6) (7)

5 0.490 Safety Tier 10 0.490 100% 0.490 0.270

Safety Tier 9 0.560 100% 0.560 0.310
4 0.630 Safety Tier 8 0.630 100% 0.630 0.350
Safety Tier 7 0.675 100% 0.675 0.370
Safety Tier 5 0.865 100% 0.865 0.480
2 1.010 Safety Tier 4 1.010 100% 1.010 0.550
Safety Tier 3 1.500 50% 1.250 0.690
1 1.990 Safety Tier 2 1.990 50% 1.495 0.820
Safety Tier 1 2.640 50% 1.820 1.000
Notes:
4. Col (6) = ( Col (4) - 1 ) x Col (5) + 1
Exhibit 1
Page 4a
Texas

A. $30/$900 27.60
B. $40/$1,200 36.80
C. $50/$1,500 46.00
D. $60/$1,800 55.20
E. $75/$2,250 69.00
F. $100/$3,000 92.00


Notes:
Exhibit 1
Page 4b
Texas
(1) (2)
Notes:
2. From Tesla.
Exhibit 1
Page 4c
Texas
(1) (2) (3) (4) (5)
Ending ($) (%) ($) (%)
2015 - 4 119.24 7.41 248.05 6.39

2016 - 1 135.95 7.85 252.31 6.49
2016 - 2 224.59 9.74 253.93 6.46
2016 - 3 228.64 9.72 257.90 6.50
2016 - 4 231.25 9.64 261.79 6.57
2017 - 1 224.25 9.24 262.67 6.60
2017 - 2 150.02 7.48 263.21 6.65
2017 - 3 278.89 7.98 255.32 6.55
2017 - 4 279.09 7.96 254.37 6.50
2018 - 1 270.16 7.79 253.83 6.38
2018 - 2 243.46 7.22 251.82 6.29
2018 - 3 113.24 6.29 255.01 6.25
2018 - 4 104.74 5.98 253.42 6.18
2019 - 1 109.60 5.94 252.95 6.17
2019 - 2 129.25 6.04 253.16 6.05
2019 - 3 133.84 6.20 254.53 6.05
2019 - 4 150.27 6.32 256.93 6.06
2020 - 1 148.08 6.17 255.77 5.88
Notes:
Exhibit 1
Page 5
Texas

Basic 11.00
Plus 21.00

Basic 11.00
Plus 21.00
Notes:
Exhibit 1
Page 6
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Factors
UM/UIMBI

B. Rate Change 7.3% 7.3% 0.0% 0.0% 18.0% 12.3% 0.0% 0.0% 0.0% 9.8%
Notes:
Exhibit 2
Page 1a
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 1b
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 2
Texas
Fixed Expense Fee
(1) (2) (3) (4) (5) (6)
Selected
Selected
Notes:
Exhibit 2
Page 3a

Exhibit 2
Page 3b

Exhibit 2
Page 4a




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 4b




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 5
(1) (2) (3) (4) (5)
2019 2019
Taxable Bonds 28,552,380 21.00% 79.00% 22,556,380.1
Common Stocks 8,276,900 21.00% 79.00% 6,538,750.7
Cash 2,452,347 21.00% 79.00% 1,937,354.5
A. Total 58,362,217 47,412,372

2017 1,587,837,614 1,691,629,655 1,639,733,635 22,764,038 55,495,621
2018 1,691,629,655 1,703,075,569 1,697,352,612 13,322,964 (49,953,562)
2019 1,703,075,569 1,871,188,803 1,787,132,186 13,881,550 128,628,570
Total 4,982,542,839 5,265,894,027 5,124,218,433 49,968,552 134,170,629



Notes:
Exhibit 2
Page 6
(1) (2)
2018 2019

Notes:
Exhibit 2
Page 7
(1) (2) (3)
Property/ All
Casualty Industry
2009 5.7% 10.5% 8.1%
2010 6.0% 12.7% 9.4%
2011 3.5% 14.3% 8.9%
2012 5.2% 13.4% 9.3%
2013 8.0% 16.6% 12.3%
2014 6.6% 14.3% 10.5%
2015 6.6% 12.7% 9.7%
2016 4.8% 13.1% 9.0%
2017 3.2% 13.9% 8.6%
2018 7.0% 15.4% 11.2%
2009-2018 5.7% 13.7% 9.7%

2012-2018 5.9% 14.2% 10.1%

Notes:
Exhibit 3
Page 1
Texas
(1) (2) (3)
Indicated Selected
Notes:
Exhibit 3
Page 2
Texas
(1) (2)
Notes:
3. From Tesla.
Exhibit 3
Page 3
Texas
(1) (2)
Notes:
2. From Tesla.
Exhibit 3
Page 4

Texas

(1) (2) (3) (4)

Ending ($) (%) ($)
2015 - 4 775.39 8.98 8,639

2016 - 1 904.37 10.08 8,973
2016 - 2 1,379.14 16.00 8,620
2016 - 3 1,472.21 16.61 8,862
2016 - 4 1,540.59 16.84 9,149
2017 - 1 1,547.51 16.85 9,185
2017 - 2 1,295.88 12.67 10,228
2017 - 3 1,332.92 13.48 9,886
2017 - 4 1,302.08 13.15 9,900
2018 - 1 1,249.47 12.47 10,021
2018 - 2 1,056.77 10.25 10,315
2018 - 3 935.68 8.46 11,055
2018 - 4 902.51 8.14 11,089
2019 - 1 892.29 8.23 10,840
2019 - 2 965.22 9.08 10,636
2019 - 3 1,031.60 9.74 10,588
2019 - 4 1,104.92 9.90 11,157
2020 - 1 1,120.18 9.60 11,664
Last 4
1,055.48 9.58 11,011
Quarters Avg.
Notes:
Exhibit 4
Page 1
Texas
(1) (2)
Notes:
Exhibit 4
`
Page 2
Redpoint County Mutual Insurance
Texas
Symbol
Current Proposed
5YJSA1H2&E 2014 MODEL S P85D 65 75 62 71
5YJSA4H1&E 2014 MODEL S 85 57 70 52 67
5YJSA1E1&F 2015 MODEL S 60 54 67 47 64
5YJSA1H1&F 2015 MODEL S 85 56 69 50 66
5YJSA1V1&F 2015 MODEL S 85 56 69 50 66
5YJSA4H1&F 2015 MODEL S 85 57 70 52 67
Exhibit 4
`
Page 3
Texas
Symbol
Current Proposed
5YJ3E1EA&H 2017 MODEL 3 42 48 37 37
5YJ3E1EB&J 2018 MODEL 3 AWD 47 61 41 58
5YJ3E1EA&J 2018 MODEL 3 42 48 37 37
5YJ3E1EB&K 2019 MODEL 3 AWD 47 61 41 58
Exhibit 4
`
Page 4
Texas
Symbol
Current Proposed
PC371 | 0116
 Print
Texas Department of Insurance Company Name: Redpoint County Mutual Insurance Compan
Page: 1 of: 1
Exhibit L – Profit Provision Information
Coverage/Form: Private Passenger Auto - All Coverages
Provide the following percentages in reference to the Profit Provision supplied on TDI Rate Exhibits E, F, or G:
1. After-Tax Target Rate of Return on Equity 10.1 %
2. Surplus-to-Equity Ratio 94.4 %
3. Premium-to-Surplus Ratio
78 %
(Support must be provided)
4. Pre-Tax Average Return on Assets 3.3 %
5. Pre-Tax Realized Capital Gains/Losses (% of Assets)

1.0 %
6. Pre-Tax Unrealized Capital Gains/Losses (% of Assets)

2.6 %
7. Effective Tax Rate on Investment Income 18.8 %
8. Briefly discuss your rate-of-return methodology.
Please refer to Exhibit 2, pages 3 to 7 for support.
Attach additional pages and/or exhibits as needed.

PC420 | 0116
 Print
Texas Department of Insurance Company Name: Redpoint County Mutual Insurance Comp
Exhibit A – Rate Filing Checklist (Page 1 of 2)
✔ All rate filings (except short track and those for insurers that qualify for reduced filing requirements under
28 TAC Chapter 5, Subchapter M, Division 9)
✔ Transmittal information
✔ Rates and supplementary rating information
✔ Filing memorandum
✔ Rate filing checklist (Exhibit A)
Rate change information (Exhibit C)
SERFF rate data (Exhibit B, if not filing in SERFF)
Loss cost information for reference filings (Exhibit G)
✔ Actuarial memorandum
✔ Actuarial support
Rate indications (overall, coverage, class, form, or peril)

Relativity analysis
✔ Other actuarial support
Policyholder impact information (for owner-occupied homeowners and personal automobile)
Average rate change by county (Exhibit County, for owner-occupied homeowners)
Historical premium and loss information (Exhibit D)
✔ Historical projected expense information, with disallowed expenses (Exhibit E, all lines except workers’ compensation
and mortgage guaranty)
Historical projected expense information (Exhibit F, for mortgage guaranty and workers’ compensation)
✔ Profit provision information (Exhibit L)
Certification (Exhibit MG, for mortgage guaranty)
Workers’ Compensation Information (Exhibit WC)
Short track rate filings

Transmittal information
Rates and supplementary rating information
Filing memorandum
Rate filing checklist (Exhibit A)

PC420 | 0116
Texas Department of Insurance Company Name: Redpoint County Mutual Insurance Comp
Exhibit A – Rate Filing Checklist (Page 2 of 2)
Division 9 rate filings

Transmittal information
Certification (EC-1, residential property)
Certification (EC-2, personal automobile)
Rates and supplementary rating information
Filing memorandum
Rate filing checklist (Exhibit A)
Policyholder impact information (for owner-occupied homeowners and personal automobile)
Average rate change by county (Exhibit County, for owner-occupied homeowners)
✔ Division 10 additional requirements for certain county mutual insurers

✔ Additional information for certain county mutual insurers (Exhibit CM)

PC405 | 0116
 Print
Page: 1 of: 2
CM Exhibit – Additional Information for Certain County Mutuals
1. Name Tesla Insurance Services of Texas, Inc. License No. 2393533

✔ MGA  District  Local Chapter
2. Contact Person Christopher A. McClellan
Telephone No. 737-615-4696 Fax No.
Mailing Address
1325 Bee Cave Parkway, Bldg 240 E-Mail Address
CmClellan@redpointinsurane.com
City
Austin State TX Zip 78738
TDI may release my e-mail address in response to a public information request  Agree 
✔ Do not agree
3. List of policy forms and endorsements used. This listing does not constitute a filing under Chapter 2301. Each of the forms and
endorsements listed must have been previously filed with and approved by TDI for the county mutual making this filing.
Name Number TDI File Number

Personal Auto Policy - Texas
TES 0001TX MISF-132490558
Policy Declarations - Texas

TES 0002TX MISF-132490558

TES 0003 MISF-132490558
Roadside Assistance Coverage Plus

TES 0004 MISF-132490558
Out of Network Rental Reimbursement

TES 0005 MISF-132490558
Gap Coverage
TES 0006 MISF-132490558
Named Driver Exclusion Acknowledgment - Texas

TES 0009TX MISF-132490558
Rejection of Uninsured Motorist Coverage

TES 0012TX MISF-132490558
Uninsured Motorist Election Rejection Form

TES 0013TX MISF-132490558
Loss Payable Clause

TES 0014 MISF-132490558
Important Information for Texas Policyholders

TES 0016TX1 MISF-132490558

Texas

multiplicative algorithm, further detailed in the attached document in the rate tables. The proposed rating
algorithm and rates are identical to those in the Crestbrook program approved in Texas with the exception
of the enhancements described below. These enhancements are proposed to enable a technologically
advanced customer focused insurance product, while maintaining a consistent program that better serves
needs of policyholders across the country.
Enclosures
 Proposed Rule Manual
 Rate tables with the proposed rating algorithm and rates
 Exhibit 1 - Base Rate Offset
 Exhibit 2 – Expense Exhibit
 Exhibit 3 – Autonomous Vehicle Protection Package
 Exhibit 4 – Symbol Adjustment
 Exhibit 5 – Minor Violations
 State Exhibit A – Rate Filing Checklist
 State Exhibit E – Expense Information Including Disallowed Expense Adjustments
 State Exhibit L – Profit Provision Information
Page 1

Texas

 Reduction to Fixed Expense Fee
 Separating out the Rental Reimbursement, Roadside Assistance, and Loan/Lease Gap Coverage
 Addition of Safety Tier Factor
 Removed Crestbrook Tiers Factor
 Added Rates for the New Proposed Autonomous Vehicle Protection Package
 Modified Symbols for Tesla Vehicles
 Added points assigned for Minor Violations and updated Rule Manual for Major and Minor Violation
definitions
 Removed Accident Forgiveness Charge and Agreed Value Surcharges
 Removed Student Away At School Discount
 Modified limits offered for BI, PD, UM/UIM BI, and UM/UIM PD Coverages
 Removed No Prior Insurance Surcharge Factors
 Modified Home and Car Discount and renamed it Companion Discount
 Combined Model Year Factors with New Car Discounts
 Removed New Car Replacement Factor

 Divide the approved Crestbrook base rates in half to arrive at a 6 month base rate.
 Offset the base rate to remove the Crestbrook tier rating step (supported on Page 2).
 Offset to the base rate to account for adding the proposed Tesla Safety Tier (Page 3).
 Consideration of Crestbrook residual rate indication from its most recently approved filing, so that
 Offset to account for difference in expected variable expenses for Tesla compared to Crestbrook.
 Offset to remove rental reimbursement, roadside assistance, and loan/lease GAP coverage from
 Offset to account for lower expected Tesla fixed expense.
Page 2

Texas

 Rental reimbursement
 Roadside assistance
 Loan/lease gap coverage
Page 3

Texas


 Wall charger
 Key replacement
 Cyber Risk
Page 4

Texas

to the base rate.
rate tables.


Page 5

Texas


rate tables.
Page 6

PC405 | 0116
 Print
Page: 2 of: 2
CM Exhibit – Additional Information for Certain County Mutuals
1. Name Tesla Insurance Services of Texas, Inc. License No. 2393533

✔ MGA  District  Local Chapter
2. Contact Person Christopher A. McClellan
Telephone No. 737-615-4696 Fax No.
Mailing Address
1325 Bee Cave Parkway, Bldg 240 E-Mail Address
CmClellan@redpointinsurane.com
City
Austin State TX Zip 78738
TDI may release my e-mail address in response to a public information request  Agree 
✔ Do not agree
3. List of policy forms and endorsements used. This listing does not constitute a filing under Chapter 2301. Each of the forms and
endorsements listed must have been previously filed with and approved by TDI for the county mutual making this filing.
Name Number TDI File Number

Automobile Burglary and Theft Prevention Authority Fee
TES 0016TX2 MISF-132490558
Personal Injury Protection - Texas

TES 0017TX MISF-132490558
Rejection of Personal Injury Protection

TES 0018TX MISF-132490558
Single Uninsured Motorist Limit - Texas

TES 0019TX MISF-132490558
Uninsured Motorist Coverage - Texas

TES 0020TX MISF-132490558
County Mutual Notice

TES 0016TX3 MISF-132490558

Revised
Texas
Enclosures
• Proposed Rule Manual
• An Excel workbook that has a tab illustrating the proposed rating algorithm and a tab for each
• Exhibit 1 - Base Rate Offset
• Exhibit 2 – Expense Exhibit
• Exhibit 3 – Autonomous Vehicle Protection Package
• Exhibit 4 – Symbol Adjustment
• Exhibit 5 – Minor Violations
• State Exhibit A – Rate Filing Checklist
• State Exhibit E – Expense Information Including Disallowed Expense Adjustments
• State Exhibit L – Profit Provision Information
Page 1
Revised
Texas

• Reduction to Fixed Expense Fee
• Separating out the Rental Reimbursement, Roadside Assistance, and Loan/Lease Gap Coverage
• Addition of Safety Tier Factor
• Removed Crestbrook Tiers Factor
• Added Rates for the New Proposed Autonomous Vehicle Protection Package
• Modified Symbols for Tesla Vehicles
• Added points assigned for Minor Violations and updated Rule Manual for Major and Minor Violation
definitions
• Removed Accident Forgiveness Charge and Agreed Value Surcharges
• Removed Student Away At School Discount
• Modified limits offered for BI, PD, UM/UIM BI, and UM/UIM PD Coverages
• Removed No Prior Insurance Surcharge Factors
• Modified Home and Car Discount and renamed it Companion Discount
• Combined Model Year Factors with New Car Discounts
• Removed New Car Replacement Factor

• Divide the approved Crestbrook base rates in half to arrive at a 6 month base rate.
• Offset the base rate to remove the Crestbrook tier rating step (supported on Page 2).
• Offset to the base rate to account for adding the proposed Tesla Safety Tier (Page 3).
• Consideration of Crestbrook residual rate indication from its most recently approved filing, so that
• Offset to account for difference in expected variable expenses for Tesla compared to Crestbrook.
• Offset to remove rental reimbursement, roadside assistance, and loan/lease GAP coverage from
Page 2
Revised
Texas
• Offset to account for lower expected Tesla fixed expense.

• Rental reimbursement
• Roadside assistance
• Loan/lease gap coverage
Page 3
Revised
Texas

• Wall charger
• Key replacement
• Cyber Risk
Page 4
Revised
Texas
to the base rate.
rate tables.

Page 5
Revised
Texas


rate tables.
Page 6
Revised
Exhibit 1
Page 1
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Coverage
UM/UIMBI
Notes:
Revised
Exhibit 1
Page 2
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors

Tier 1 70% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Tier 2 20% 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200 1.200
Tier 3 10% 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300 1.300
Notes:
Revised
Exhibit 1
Page 3a
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11)
Factors

Safety Tier 10 10.0% 0.270 0.270 0.270 0.270 0.270 0.270 1.000 1.000 1.000 0.344
Safety Tier 9 10.0% 0.310 0.310 0.310 0.310 0.310 0.310 1.000 1.000 1.000 0.380
Safety Tier 8 10.0% 0.350 0.350 0.350 0.350 0.350 0.350 1.000 1.000 1.000 0.416
Safety Tier 7 10.0% 0.370 0.370 0.370 0.370 0.370 0.370 1.000 1.000 1.000 0.434
Safety Tier 5 10.0% 0.480 0.480 0.480 0.480 0.480 0.480 1.000 1.000 1.000 0.533
Safety Tier 4 10.0% 0.550 0.550 0.550 0.550 0.550 0.550 1.000 1.000 1.000 0.596
Safety Tier 3 10.0% 0.690 0.690 0.690 0.690 0.690 0.690 1.000 1.000 1.000 0.721
Safety Tier 2 10.0% 0.820 0.820 0.820 0.820 0.820 0.820 1.000 1.000 1.000 0.838
Safety Tier 1 10.0% 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I. Opt Out Factor 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Notes:
Revised
Exhibit 1
Page 3b
Texas
(1) (2) (3) (4) (5) (6) (7)

5 0.490 Safety Tier 10 0.490 100% 0.490 0.270

Safety Tier 9 0.560 100% 0.560 0.310
4 0.630 Safety Tier 8 0.630 100% 0.630 0.350
Safety Tier 7 0.675 100% 0.675 0.370
Safety Tier 5 0.865 100% 0.865 0.480
2 1.010 Safety Tier 4 1.010 100% 1.010 0.550
Safety Tier 3 1.500 50% 1.250 0.690
1 1.990 Safety Tier 2 1.990 50% 1.495 0.820
Safety Tier 1 2.640 50% 1.820 1.000
Notes:
4. Col (6) = ( Col (4) - 1 ) x Col (5) + 1
Revised
Exhibit 1
Page 4a
Texas

A. $30/$900 27.60
B. $40/$1,200 36.80
C. $50/$1,500 46.00
D. $60/$1,800 55.20
E. $75/$2,250 69.00
F. $100/$3,000 92.00


Notes:
Revised
Exhibit 1
Page 4b
Texas
(1) (2)
Notes:
2. From Tesla.
Revised
Exhibit 1
Page 4c
Texas
(1) (2) (3) (4) (5)
Ending ($) (%) ($) (%)
2015 - 4 119.24 7.41 248.05 6.39

2016 - 1 135.95 7.85 252.31 6.49
2016 - 2 224.59 9.74 253.93 6.46
2016 - 3 228.64 9.72 257.90 6.50
2016 - 4 231.25 9.64 261.79 6.57
2017 - 1 224.25 9.24 262.67 6.60
2017 - 2 150.02 7.48 263.21 6.65
2017 - 3 278.89 7.98 255.32 6.55
2017 - 4 279.09 7.96 254.37 6.50
2018 - 1 270.16 7.79 253.83 6.38
2018 - 2 243.46 7.22 251.82 6.29
2018 - 3 113.24 6.29 255.01 6.25
2018 - 4 104.74 5.98 253.42 6.18
2019 - 1 109.60 5.94 252.95 6.17
2019 - 2 129.25 6.04 253.16 6.05
2019 - 3 133.84 6.20 254.53 6.05
2019 - 4 150.27 6.32 256.93 6.06
2020 - 1 148.08 6.17 255.77 5.88
Notes:
Revised
Exhibit 1
Page 5
Texas

Basic 11.00
Plus 21.00

Basic 11.00
Plus 21.00
Notes:
Revised
Exhibit 1
Page 6
Texas
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Factors
UM/UIMBI

B. Rate Change 7.3% 7.3% 0.0% 0.0% 18.0% 12.3% 0.0% 0.0% 0.0% 9.8%
Notes:
Exhibit 2
Page 1a
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 1b
Texas
Expense Ratio
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)

$000 % $000 % $000 % $000 % % % Fixed Variable


Notes:
Exhibit 2
Page 2
Texas
Fixed Expense Fee
(1) (2) (3) (4) (5) (6)
Selected
Selected
Notes:
Exhibit 2
Page 3a

Exhibit 2
Page 3b

Exhibit 2
Page 4a




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 4b




Notes:
the tax equals 4.2% ( = 20% x 21%)
Exhibit 2
Page 5
(1) (2) (3) (4) (5)
2019 2019
Taxable Bonds 28,552,380 21.00% 79.00% 22,556,380.1
Common Stocks 8,276,900 21.00% 79.00% 6,538,750.7
Cash 2,452,347 21.00% 79.00% 1,937,354.5
A. Total 58,362,217 47,412,372

2017 1,587,837,614 1,691,629,655 1,639,733,635 22,764,038 55,495,621
2018 1,691,629,655 1,703,075,569 1,697,352,612 13,322,964 (49,953,562)
2019 1,703,075,569 1,871,188,803 1,787,132,186 13,881,550 128,628,570
Total 4,982,542,839 5,265,894,027 5,124,218,433 49,968,552 134,170,629



Notes:
Exhibit 2
Page 6
(1) (2)
2018 2019

Notes:
Exhibit 2
Page 7
(1) (2) (3)
Property/ All
Casualty Industry
2009 5.7% 10.5% 8.1%
2010 6.0% 12.7% 9.4%
2011 3.5% 14.3% 8.9%
2012 5.2% 13.4% 9.3%
2013 8.0% 16.6% 12.3%
2014 6.6% 14.3% 10.5%
2015 6.6% 12.7% 9.7%
2016 4.8% 13.1% 9.0%
2017 3.2% 13.9% 8.6%
2018 7.0% 15.4% 11.2%
2009-2018 5.7% 13.7% 9.7%

2012-2018 5.9% 14.2% 10.1%

Notes:
Exhibit 3
Page 1
Texas
(1) (2) (3)
Indicated Selected
Notes:
Exhibit 3
Page 2
Texas
(1) (2)
Notes:
3. From Tesla.
Exhibit 3
Page 3
Texas
(1) (2)
Notes:
2. From Tesla.
Exhibit 3
Page 4

Texas

(1) (2) (3) (4)

Ending ($) (%) ($)
2015 - 4 775.39 8.98 8,639

2016 - 1 904.37 10.08 8,973
2016 - 2 1,379.14 16.00 8,620
2016 - 3 1,472.21 16.61 8,862
2016 - 4 1,540.59 16.84 9,149
2017 - 1 1,547.51 16.85 9,185
2017 - 2 1,295.88 12.67 10,228
2017 - 3 1,332.92 13.48 9,886
2017 - 4 1,302.08 13.15 9,900
2018 - 1 1,249.47 12.47 10,021
2018 - 2 1,056.77 10.25 10,315
2018 - 3 935.68 8.46 11,055
2018 - 4 902.51 8.14 11,089
2019 - 1 892.29 8.23 10,840
2019 - 2 965.22 9.08 10,636
2019 - 3 1,031.60 9.74 10,588
2019 - 4 1,104.92 9.90 11,157
2020 - 1 1,120.18 9.60 11,664
Last 4
1,055.48 9.58 11,011
Quarters Avg.
Notes:
Revised
Exhibit 4
Page 1
Texas
(1) (2)
Notes:
Revised
Exhibit 4
Page 2
Texas
(1) (2) (3) (4) (5) (6) (7)

Symbol
Current Proposed
5YJSA1H2&E 2014 MODEL S P85D 65 75 62 71
5YJSA4H1&E 2014 MODEL S 85 N/A N/A 52 67
5YJSA1E1&F 2015 MODEL S 60 54 67 47 64
5YJSA1H1&F 2015 MODEL S 85 56 69 50 66
5YJSA1V1&F 2015 MODEL S 85 N/A N/A 50 66
5YJSA1V2&F 2015 MODEL S 85D AWD/P85D PERFORMANCE AWD N/A N/A 52 67
5YJSA1V4&F 2015 MODEL S P85D PERFORMANCE AWD N/A N/A 58 71
5YJSA4H1&F 2015 MODEL S 85 57 70 52 67
5YJSA4S2&F 2015 MODEL S 85D AWD/P85D PERFORMANCE AWD N/A N/A 54 68
5YJSA4V4&F 2015 MODEL S P85D PERFORMANCE AWD N/A N/A 58 71
5YJSA1E4&F 2015 MODEL S P90D/P100D PERFORMANCE AWD N/A N/A 57 71
Revised
Exhibit 4
Page 3
Texas
(1) (2) (3) (4) (5) (6) (7)

Symbol
Current Proposed
5YJXCDE2&G 2016 MODEL X 75D AWD/90D AWD/100D AWD N/A N/A 50 64
5YJXCDE4&G 2016 MODEL X P100D PERFORMANCE AWD N/A N/A 61 72
5YJ3E1EA&H 2017 MODEL 3 42 48 37 37
5YJ3E1EB&J 2018 MODEL 3 AWD 47 61 41 58
5YJ3E1EA&J 2018 MODEL 3 42 48 37 37
5YJ3E1EB&K 2019 MODEL 3 AWD 47 61 41 58
Revised
Exhibit 4
Page 4
Texas
(1) (2) (3) (4) (5) (6) (7)

Symbol
Current Proposed
Note:
1. Tesla vehicles not on ISO's current symbol table (NA in Columns 4 and 5), are assigned a symbol for a similar Tesla vehicle.
Columns 6 and 7 proposed symbols are after application of the Page 1 adjustments. Model Y use similar Model X vehicles, with an
additional 15% discount applied to Col (6) relative to similar Model X to reflect the lower cost new for a Model Y relative to Model X
and 5% discount applied to Col (7) relative to similar Model X to reflect the lower cost new offset by the higher expected damage
to a Model Y due to its lower weight relative to Model X in the evnt of a collision.
Exhibit 5
Page 1
Texas
Violation Surcharge
(1) (2) (3) (4)

0 0 to 12 months 0.000 0.000 0.000 0.000
1 0 to 12 months N/A N/A 0.310 0.000
2 0 to 12 months N/A N/A 0.620 0.000
3 0 to 12 months N/A N/A 0.930 0.000
4 0 to 12 months N/A N/A 1.240 0.000
5 0 to 12 months 1.560 0.000 1.560 0.000
6 0 to 12 months N/A N/A 1.860 0.000
7 0 to 12 months N/A N/A 2.160 0.000
8 0 to 12 months N/A N/A 2.460 0.000
9 0 to 12 months N/A N/A 2.760 0.000
10+ 0 to 12 months 3.050 1.500 3.050 0.300
0 12 to 24 months N/A N/A 0.000 0.000
1 12 to 24 months N/A N/A 0.200 0.000
2 12 to 24 months N/A N/A 0.400 0.000
3 12 to 24 months N/A N/A 0.600 0.000
4 12 to 24 months N/A N/A 0.800 0.000
5 12 to 24 months 1.000 0.000 1.000 0.000
6 12 to 24 months N/A N/A 1.370 0.000
7 12 to 24 months N/A N/A 1.740 0.000
8 12 to 24 months N/A N/A 2.110 0.000
9 12 to 24 months N/A N/A 2.480 0.000
10+ 12 to 24 months 2.840 1.400 2.840 0.280
0 24 to 35 months N/A N/A 0.000 0.000
1 24 to 35 months N/A N/A 0.180 0.000
2 24 to 35 months N/A N/A 0.360 0.000
3 24 to 35 months N/A N/A 0.540 0.000
4 24 to 35 months N/A N/A 0.720 0.000
5 24 to 35 months 0.900 0.000 0.900 0.000
6 24 to 35 months N/A N/A 1.250 0.000
7 24 to 35 months N/A N/A 1.600 0.000
8 24 to 35 months N/A N/A 1.950 0.000
9 24 to 35 months N/A N/A 2.300 0.000
10+ 24 to 35 months 2.630 1.350 2.630 0.270
Any 36+ months 0.000 0.000 0.000 0.000
Notes:
Texas

Enclosures
 Proposed Rule Manual
 An Excel workbook that has a tab illustrating the proposed rating algorithm and a tab for each
 Exhibit 1 - Base Rate Offset
 Exhibit 2 – Expense Exhibit
 Exhibit 3 – Autonomous Vehicle Protection Package
 Exhibit 4 – Symbol Adjustment
 State Exhibit A – Rate Filing Checklist
 State Exhibit E – Expense Information Including Disallowed Expense Adjustments
 State Exhibit L – Profit Provision Information
Page 1

Texas

 Reduction to Fixed Expense Fee
 Separating out the Rental Reimbursement, Roadside Assistance, and Loan/Lease Gap Coverage
 Addition of Safety Tier Factor
 Removed Crestbrook Tiers Factor
 Added Rates for the New Proposed Autonomous Vehicle Protection Package
 Modified Symbols for Tesla Vehicles
 Removed Accident Forgiveness Charge and Agreed Value Surcharges
 Removed Student Away At School Discount
 Modified limits offered for BI, PD, UM/UIM BI, and UM/UIM PD Coverages
 Removed No Prior Insurance Surcharge Factors
 Modified Home and Car Discount and renamed it Companion Discount
 Combined Model Year Factors with New Car Discounts
 Removed New Car Replacement Factor

 Divide the approved Crestbrook base rates in half to arrive at a 6 month base rate.
 Offset the base rate to remove the Crestbrook tier rating step (supported on Page 2).
 Offset to replace the Crestbrook safety rules and factors with the proposed Tesla Safety Tier, for
those opting into the program (Page 3).
 Consideration of Crestbrook residual rate indication from its most recently approved filing, so that
 Offset to account for difference in expected variable expenses for Tesla compared to Crestbrook.
 Offset to remove rental reimbursement, roadside assistance, and loan/lease GAP coverage from
 Offset to account for lower expected Tesla fixed expense.
Page 2

Texas

 Rental reimbursement
 Roadside assistance
 Loan/lease gap coverage
Page 3a calculates the adjustment required to add the proposed Safety Tier in lieu of the Vehicle Use and
Passive Restraint factor tables, for connected vehicles that qualify for and opt-into the Safety Tier program.
The base rate offset required for removing the Vehicle Use factor is from Page 3b, for removing the Passive
Restraint factor is from Page 3c, and for incorporating the average Safety Tier factor is from Page 3d, which
are each described below. So that the program can rate both vehicles opting into the program and those
that do not qualify for the program, or opt-out of the program, it is proposed that the Vehicle Use step and
Passive Restraint steps be maintained in the rating algorithm, and that a new category row be added to
these tables with a 1.000 factor for vehicles opting into the Safety Tier program. The proposed Vehicle Use
and Passive Restraint tables included with this filing have a row reflecting the Safety Tier program vehicles
with a factor of 1.000. Since the proposed program is proposing to change the base risk to be those vehicles
opting into the Safety Tier program, the base rate requires adjustment as described below.
First, Page 3a calculates the base rate adjustment required to incorporate the average Vehicle Use factor
that would have applied, based on the approved Crestbrook rate table and the assumed distribution from
Page 3b. Second, the base rate needs to incorporate the average Passive Restraint factor that would have
applied, based on the approved Crestbrook rate table and the assumed distribution from Page 3c. Finally,
the base rate needs to incorporate the average Safety Tier factor that will be applied which comes from
Page 3d. This ensures that for connected vehicles opting into the Safety Tier program, that on average,
they will receive the same rate level that they would have received had they not qualified for the Safety Tier
program. Page 3a also calculates the Safety Tier factor required to be applied to vehicles not qualifying for
the Safety Tier program to back out these base rate adjustments, so that they also receive the same rate
level had they not opted into the program.
Page 3

Texas

total was calculated, determining an indicated factor. Page 3d, illustrates the indicated factors for the 5
buckets. Since 10 Safety Tiers are being proposed, the indicated factor between each of the 5 buckets was
calculated using interpolation, to create indicated factors for Safety Tier 10 to 2. The indicated at-fault
collision relative rate for buckets 1 and 2 were extrapolated to determine the indicated factor for the last
proposed Tier 1.
Page 3a uses the proposed Safety Tier factors and the assumed distribution by Safety Tier from Page 3d,
Safety Tier changes. The approved Crestbrook program applies a Vehicle Use factor and a Passive
Restraint factor to the base rate. The proposed program proposes to continue to apply these factors to
unconnected vehicles, and then to apply a Safety Tier factor that backs out the base rate adjustments that
were applied to introduce the Safety Tier factor. The result is that after multiplying the Vehicle Use, Passive
Restraint, Safety Tier, and proposed base rate, an unconnected vehicle will have the same rate level as
with approved Crestbrook.
Page 4a calculates the basic (in-network) rental reimbursement premium included in Crestbrook’s base
comprehensive rate. Since the proposal is to charge a separate flat fee for this coverage, Page 4a
calculates the cost in the existing Crestbrook base rate that needs to be removed. Page 4b calculates the
indicated flat rental reimbursement fee. The proposed rental reimbursement flat fee is developed using both
the expected frequency from Page 4c and expected severity.

Page 4

Texas

 Wall charger
 Key replacement
 Cyber Risk
to the base rate.
rate tables.
Page 5

Texas



rate tables.
Page 6

Crestbrook Insurance Company Tesla Insurance Company
Base Rates (Annual)

$344.50 $387.00 $62.40 $310.20 $454.10 $759.80 $88.40 $141.86 $31.41
Base Rates

1 60.00 604.30 52.10 252.00 249.30 862.40 71.86 117.42 48.98
2 60.00 502.40 57.00 272.10 245.20 838.20 73.01 120.02 48.57
3 250.80 451.60 55.90 251.70 251.40 790.20 69.26 113.15 49.30
4 328.50 522.30 60.10 305.50 251.80 930.40 83.51 136.97 49.30
5 251.90 445.50 54.70 251.70 255.30 793.00 69.26 113.36 43.37
6 272.20 477.30 53.80 260.60 250.60 862.80 68.12 111.28 48.67
7 242.50 443.60 54.40 263.60 230.10 757.20 65.94 108.16 43.78
8 238.60 482.20 53.80 262.30 238.20 801.10 66.98 109.72 43.78
9 296.30 512.20 58.10 267.80 267.70 902.30 77.69 127.82 48.36
11 251.90 470.90 51.60 248.70 230.80 768.20 68.85 113.57 50.44
12 274.20 456.80 56.10 251.70 249.80 833.00 75.71 123.97 49.30
14 289.90 504.10 58.10 277.10 252.90 914.60 80.60 131.87 56.16
15 332.10 515.00 64.70 318.30 279.70 841.70 86.53 141.34 48.57
16 281.70 508.50 57.80 287.00 251.40 851.70 76.02 124.80 44.62
18 326.90 479.10 64.40 306.60 274.50 801.70 96.30 154.75 36.30
19 357.50 513.10 66.40 295.50 310.90 936.90 85.70 138.63 42.64
20 364.80 514.50 67.20 309.40 324.40 860.40 85.70 138.32 37.65
24 342.00 487.30 65.20 320.00 244.00 712.40 88.30 142.17 34.74
25 359.80 517.20 69.00 342.80 272.30 782.80 98.18 158.18 32.76
26 338.10 502.80 64.70 321.10 256.60 892.70 91.21 147.26 37.34
27 347.10 502.40 66.70 339.50 248.10 780.00 89.13 143.52 37.96
28 328.40 488.10 64.10 295.20 233.00 794.30 89.54 144.66 37.75
29 342.70 495.40 71.20 327.50 250.70 756.10 91.21 146.54 41.18
31 333.20 519.40 65.50 337.50 251.20 817.40 89.86 144.46 34.01
34 355.90 502.80 66.70 327.00 324.00 760.30 92.66 149.03 41.18
35 342.70 438.00 67.20 303.30 303.40 707.20 86.63 138.94 37.75
36 321.80 452.50 60.60 295.50 238.70 752.30 85.80 138.11 39.10
37 404.20 475.60 74.90 369.80 302.40 931.20 98.49 158.91 39.21
38 345.60 439.20 67.20 311.10 264.70 738.90 92.14 148.51 34.53
39 400.50 485.60 70.30 355.40 306.20 1026.20 99.22 160.26 40.77
44 334.60 407.60 70.10 334.80 264.30 741.80 91.73 147.68 35.98
45 376.00 418.50 73.70 346.20 269.50 809.00 97.76 157.35 36.82
46 387.10 488.00 71.80 352.40 329.00 812.50 96.72 155.38 39.73
47 355.00 465.40 67.20 293.50 284.40 743.10 92.66 149.14 41.18
48 397.40 451.60 69.50 323.50 354.10 844.90 106.70 171.29 36.92
49 335.00 460.90 63.50 304.40 242.40 765.80 88.09 141.86 39.94
51 334.20 461.00 61.80 297.40 237.80 747.10 86.84 139.88 38.90
52 359.00 444.30 66.70 311.60 297.00 751.20 91.21 146.95 37.65
53 382.80 542.40 73.70 363.20 246.70 788.30 99.32 159.64 38.27
54 381.80 529.00 69.00 331.50 247.20 758.00 98.90 158.91 37.75
55 359.50 498.50 67.20 324.20 283.80 858.70 97.03 156.21 39.21
56 373.40 531.30 73.70 328.00 261.90 861.30 103.90 166.92 38.58
57 369.30 505.50 68.60 315.20 250.20 762.50 95.16 152.78 36.92
58 374.70 522.90 71.20 307.40 310.40 758.30 95.78 153.71 40.56
59 362.10 474.30 71.20 322.20 311.90 758.90 98.38 158.29 38.06
60 541.10 668.00 82.30 510.60 302.40 1231.70 111.28 178.98 43.99
61 388.70 511.60 74.10 356.20 271.30 894.90 106.81 171.81 38.58
62 365.40 480.90 73.70 346.70 270.20 784.50 95.47 153.09 36.92
63 391.50 440.70 76.00 337.50 253.20 758.30 97.34 156.31 34.84
64 442.80 475.60 75.70 365.40 334.30 829.90 97.76 157.14 36.92
65 406.00 462.10 70.30 307.90 301.20 836.20 96.10 154.44 39.94
66 337.80 515.90 65.70 309.60 257.90 798.50 91.42 147.26 40.35
67 416.80 522.20 74.40 341.40 331.70 968.40 107.54 172.85 40.87
Base Rates

68 374.70 485.40 77.50 343.10 275.90 879.00 103.27 166.09 40.87
69 345.80 500.60 65.50 306.90 239.60 691.30 92.35 149.03 35.36
70 532.80 577.20 91.40 411.60 352.40 1118.10 112.22 180.75 37.96
71 550.60 636.60 93.40 400.50 341.40 1055.10 113.98 183.66 38.48
72 384.20 577.50 70.60 334.80 346.70 901.10 98.49 158.81 35.98
73 308.40 450.60 57.80 277.40 235.70 789.10 84.66 136.45 37.13
74 309.00 398.80 63.20 338.60 237.50 693.30 87.46 140.50 34.53
75 328.70 431.30 62.90 303.00 272.00 750.10 91.52 147.26 33.18
76 352.80 466.10 73.20 340.90 340.80 806.70 97.55 157.04 38.90
77 357.60 436.80 71.80 325.80 334.40 803.00 96.10 154.54 41.18
78 348.80 468.80 64.10 317.20 267.70 829.90 99.32 159.74 39.73
79 318.90 459.00 61.80 298.30 238.10 732.30 92.87 149.66 33.59
80 380.00 535.80 69.00 323.30 331.70 925.90 94.74 152.15 36.92
81 420.10 510.70 73.70 325.50 337.30 852.40 97.76 157.46 40.04
82 348.80 428.10 64.90 303.60 308.30 718.30 93.18 149.97 38.58
83 339.90 466.80 66.40 314.90 291.90 747.20 92.87 149.66 37.96
84 377.10 503.30 68.30 296.60 332.60 896.00 93.50 150.80 35.98
85 350.30 525.00 61.50 296.60 256.40 738.30 95.89 154.54 37.34
86 385.40 579.20 69.50 329.50 326.40 973.60 99.32 159.64 39.94
87 400.60 510.10 80.90 348.70 305.30 894.30 94.43 151.84 41.50
88 421.30 479.90 74.60 327.00 288.10 869.80 98.18 157.66 40.56
89 345.30 441.10 66.40 311.10 252.50 745.20 91.21 146.74 35.98
90 408.20 511.00 79.50 356.20 333.00 869.80 101.09 162.34 40.56
91 429.20 498.90 75.20 331.70 330.20 930.10 99.01 158.91 40.87
92 362.70 427.20 68.30 322.50 274.70 711.30 92.35 149.14 33.18
93 361.30 506.40 68.60 316.10 256.40 849.00 97.34 156.52 38.48
94 339.30 461.70 62.10 310.80 250.00 841.90 93.81 150.80 40.04
95 378.30 537.00 70.60 354.90 256.60 794.00 95.78 154.02 36.92
96 334.60 467.30 71.20 345.60 305.70 849.80 93.29 149.86 42.54
97 352.40 502.80 62.40 295.20 271.10 774.90 89.86 144.66 36.61
98 326.20 472.50 59.50 280.70 223.20 720.70 89.54 143.94 34.74
99 376.80 506.80 69.50 361.20 251.20 819.90 103.27 165.46 47.74
100 362.10 518.30 68.30 316.60 262.10 739.40 94.95 153.09 36.50
101 340.80 480.30 62.40 298.50 228.00 771.80 91.00 146.54 36.30
102 431.70 546.70 74.60 369.60 325.90 1028.60 105.35 169.42 38.48
104 353.60 593.30 59.50 298.50 229.10 946.40 81.22 132.91 60.22
105 329.60 627.60 57.50 282.40 200.30 895.20 73.11 119.70 69.26
106 330.70 586.00 62.40 286.20 223.50 921.30 77.69 126.98 65.10
107 345.60 591.80 59.00 304.10 228.10 898.50 79.04 129.79 60.63
108 315.30 572.80 59.80 301.00 207.40 896.80 78.62 129.17 63.23
109 345.20 596.10 61.50 299.60 215.10 925.20 81.12 133.74 62.19
110 238.40 483.90 55.20 259.80 393.30 827.20 66.46 109.10 31.62
111 270.40 492.50 59.50 272.60 393.00 786.70 74.88 123.14 28.29
113 320.50 590.90 59.50 331.50 237.80 888.40 70.51 115.65 61.05
114 281.00 564.90 51.80 258.70 203.90 797.00 64.79 105.87 48.57
116 300.20 576.60 59.50 280.70 204.90 808.90 70.51 116.17 67.08
117 305.70 611.40 61.50 285.20 211.40 906.90 73.01 120.22 55.85
118 311.40 629.10 60.30 301.80 227.80 916.20 71.45 116.79 48.98
119 302.90 578.70 52.90 280.90 200.60 896.40 67.70 110.86 63.54
120 441.70 469.40 81.70 302.10 717.80 1030.60 101.09 162.66 35.36
121 321.80 603.40 58.10 281.20 204.40 819.30 69.06 113.36 64.69
122 337.70 630.30 66.90 301.30 206.40 921.70 75.19 123.66 64.69
123 367.70 601.90 63.80 320.00 205.70 937.20 76.86 126.05 79.14
Base Rates

124 357.10 608.30 63.20 297.70 227.40 958.10 84.97 139.05 65.31
125 355.00 525.60 51.00 259.80 183.90 851.70 72.28 118.04 78.62
127 335.00 597.00 62.60 297.10 212.20 898.50 72.80 118.77 84.55
128 316.00 542.50 61.80 297.40 213.00 878.60 75.09 123.24 72.28
129 336.80 495.30 60.10 274.30 212.70 805.00 74.15 121.68 64.38
130 321.80 459.30 68.60 328.90 296.90 915.00 79.35 130.00 50.86
132 387.00 605.10 66.90 357.60 285.80 1014.40 90.69 146.22 54.70
133 388.10 605.50 67.50 331.50 274.00 973.90 81.95 132.08 54.39
134 393.10 637.50 69.50 353.70 308.20 1017.10 92.98 149.55 56.89
135 479.10 635.60 82.60 532.40 383.70 1100.70 110.14 177.01 43.37
136 363.40 583.50 75.50 366.30 275.20 999.60 92.98 149.86 57.93
137 439.90 645.60 83.40 439.80 338.70 1067.10 95.16 152.78 48.57
138 531.50 743.40 96.50 540.20 378.00 1211.90 115.44 185.95 47.53
139 557.80 727.60 91.40 578.00 380.80 1242.90 120.85 195.10 47.53
140 328.50 589.60 60.10 284.90 715.40 1001.60 115.65 189.28 72.28
141 430.40 613.10 78.00 417.80 335.70 1022.40 96.41 154.86 48.36
142 492.60 726.20 86.80 485.30 369.60 1134.00 100.36 160.89 46.59
143 524.40 777.10 91.70 525.10 398.00 1230.10 113.67 183.04 47.11
144 473.80 715.50 88.00 541.00 459.00 1136.70 110.76 178.15 44.62
145 491.80 671.40 86.50 475.20 442.90 1303.50 115.44 185.64 45.76
146 368.30 572.80 71.00 389.80 367.30 946.50 82.08 132.08 38.32
147 522.10 694.20 96.20 629.30 492.60 1207.20 116.58 187.93 46.90
148 502.90 689.40 94.90 625.80 534.20 1153.40 105.35 169.83 45.24
149 407.70 640.50 79.50 349.50 295.40 1052.80 102.13 164.32 52.62
150 392.60 628.40 69.50 347.30 310.50 1121.80 94.74 152.46 58.14
151 561.10 880.20 100.30 554.60 371.90 1245.60 119.18 191.67 51.58
152 411.50 631.80 71.80 349.50 295.10 1013.50 96.62 155.58 59.49
153 453.00 698.30 82.30 427.90 353.40 1173.40 103.79 166.92 47.11
154 548.20 726.20 90.00 532.60 373.30 1315.90 119.08 191.36 46.38
155 519.20 747.40 94.00 565.80 453.30 1216.60 116.48 187.82 48.05
156 475.30 615.00 80.30 443.80 332.10 1134.00 102.23 164.84 44.10
157 488.30 659.50 98.30 592.00 406.10 1182.30 115.75 186.16 46.28
158 431.20 647.20 78.00 484.10 386.00 1167.20 100.05 161.10 45.14
159 425.50 700.20 85.70 422.90 329.80 1082.90 97.55 157.14 49.30
160 242.10 391.90 60.60 261.80 531.10 734.70 85.38 139.78 56.37
161 353.80 584.80 75.20 384.10 316.90 1026.70 98.07 157.77 63.65
162 554.20 787.10 104.50 618.50 390.00 1289.30 117.94 190.11 47.42
163 418.50 702.00 73.40 372.60 298.40 1164.90 99.63 160.26 50.34
164 372.20 615.70 71.20 347.60 270.10 1011.40 97.24 156.31 51.48
165 416.70 721.60 82.60 417.80 294.10 1104.30 98.90 159.12 53.46
166 373.40 653.90 66.90 340.90 288.90 1082.90 95.26 153.40 57.20
167 535.50 793.00 101.90 602.60 336.30 1201.60 118.87 191.57 45.55
168 522.00 727.10 86.80 421.70 334.30 1153.40 113.36 182.94 45.55
169 479.80 705.10 80.30 423.90 336.30 1039.80 98.18 158.29 47.74
170 455.70 730.20 90.30 549.10 411.40 1097.60 106.81 172.12 41.08
171 378.30 609.00 75.70 355.90 301.50 1049.20 96.30 155.06 53.87
172 399.80 653.60 70.10 339.50 310.50 940.40 97.24 156.31 43.99
173 363.80 586.90 66.40 323.90 300.90 1016.00 92.46 148.51 65.10
174 412.90 659.80 81.70 399.40 347.80 1061.00 98.70 158.81 52.31
175 439.30 772.80 75.20 468.00 335.00 1187.00 99.32 159.95 45.45
176 406.60 638.60 73.40 398.30 284.80 1078.20 97.34 156.62 46.59
177 376.90 599.10 67.20 328.60 283.40 966.50 90.38 145.81 53.77
178 425.20 616.70 81.40 390.70 321.10 986.70 103.27 165.98 50.02
Base Rates

180 374.30 626.60 74.60 370.50 306.80 1028.00 95.16 153.30 52.94
181 387.10 635.70 62.20 372.40 348.50 972.80 79.04 127.12 36.24
182 455.10 741.90 78.80 437.80 306.60 1054.90 98.07 157.77 46.28
183 358.10 620.40 76.70 368.50 286.00 974.70 97.86 157.35 53.77
184 362.60 610.50 66.40 351.40 275.20 983.00 92.66 149.14 55.74
185 449.20 615.00 82.60 396.30 330.20 1118.80 106.81 172.02 59.07
186 548.40 691.00 107.30 612.00 394.70 1169.20 116.27 187.41 51.27
187 552.60 755.00 94.90 550.00 412.60 1281.30 121.37 195.42 45.55
188 473.00 629.30 88.60 445.40 411.80 1054.10 103.79 166.92 45.24
189 589.70 717.50 125.80 709.60 575.30 1224.20 129.69 209.14 47.53
190 526.40 679.60 104.50 615.70 488.30 1257.50 123.45 199.06 52.10
191 548.70 657.20 119.60 678.70 551.80 1196.90 128.65 207.17 46.59
192 502.50 653.00 100.60 570.00 467.10 1219.50 120.64 194.17 51.27
193 437.10 612.40 90.60 436.00 308.20 1036.80 99.63 160.58 51.27
194 429.90 598.80 75.50 359.30 275.80 1026.70 99.63 160.47 54.39
195 428.90 644.80 77.70 351.20 298.40 1041.00 95.89 154.75 57.82
196 503.60 702.60 84.90 446.50 320.90 1167.50 109.10 175.76 52.73
197 446.80 653.00 77.50 384.90 333.00 1043.60 101.30 163.18 48.98
198 476.40 746.50 93.70 463.20 372.20 1146.60 111.38 179.30 53.46
199 454.00 619.00 80.20 434.80 346.40 934.50 85.68 138.08 36.56
200 325.40 535.80 53.60 260.00 425.50 964.10 126.98 208.31 66.25
201 460.00 720.70 85.70 435.70 341.40 1071.80 103.90 167.54 49.50
202 547.00 710.40 103.40 581.70 481.30 1148.50 112.22 180.44 46.59
203 559.10 772.50 102.80 605.90 433.50 1194.50 107.54 173.47 43.37
204 384.10 633.00 67.80 347.60 257.60 913.80 96.93 156.21 52.42
205 412.30 666.20 72.30 359.50 301.20 1031.80 94.74 153.09 50.02
206 392.90 631.30 75.50 363.70 277.30 1057.20 93.60 150.49 54.60
207 399.40 642.90 78.30 354.20 334.70 1076.40 101.09 163.07 53.14
208 450.50 686.20 90.00 532.40 445.00 1169.20 100.46 161.72 46.90
209 447.30 656.50 79.10 439.30 366.70 1190.70 112.42 181.27 52.10
210 515.50 681.40 90.60 457.40 296.90 1158.90 134.16 215.80 52.42
212 277.50 480.40 62.60 304.40 205.70 868.70 79.14 129.69 40.87
213 314.20 630.30 37.30 318.30 201.30 840.80 50.44 82.58 41.18
214 338.00 629.30 63.20 306.10 196.40 778.80 75.19 123.14 43.78
215 283.20 429.90 59.80 233.30 213.00 748.30 67.08 110.24 42.22
216 229.00 432.00 63.80 237.20 195.80 889.50 73.42 120.33 43.99
217 309.60 421.00 58.70 232.80 182.30 619.70 69.06 113.15 31.72
218 324.90 563.70 41.60 189.00 228.40 847.30 47.53 77.90 46.38
219 242.50 471.40 45.20 212.70 190.50 576.50 52.42 85.70 32.86
220 569.90 785.30 93.10 510.60 393.30 1197.60 104.94 168.69 27.98
221 266.80 428.60 58.30 211.00 196.40 581.60 59.80 98.07 33.90
222 342.40 568.50 33.10 170.00 192.30 771.60 44.30 72.18 43.37
223 246.00 435.90 57.00 284.30 219.00 692.90 74.26 121.68 40.87
224 303.90 591.20 32.80 224.60 208.70 759.20 42.85 69.99 39.62
225 326.60 629.30 43.00 221.00 159.80 883.30 52.10 85.18 49.30
226 251.20 493.60 51.30 258.10 199.90 715.40 67.29 110.45 35.88
227 193.60 577.00 40.80 187.30 155.70 861.20 65.31 107.33 43.37
228 295.50 470.10 62.40 236.60 209.40 667.20 70.72 115.75 39.73
229 206.20 468.30 55.20 280.90 199.90 602.00 76.75 125.53 39.10
232 241.20 431.30 64.90 316.40 207.60 802.10 73.42 121.06 44.82
234 299.80 593.00 63.20 297.40 229.40 829.50 73.11 119.70 44.62
235 297.10 483.90 62.10 293.20 187.00 730.00 71.45 117.42 37.65
236 245.70 426.70 57.80 278.20 187.00 607.40 67.29 110.55 32.76
Base Rates

237 299.80 591.50 39.30 187.30 157.70 862.40 47.22 77.17 42.64
238 274.20 475.80 59.00 286.50 226.80 598.70 69.99 115.44 31.72
239 306.50 589.10 35.10 174.50 223.50 745.50 41.70 68.43 39.62
241 329.00 493.60 64.40 303.60 172.20 865.90 81.95 134.06 42.02
242 266.40 425.10 54.90 197.30 188.80 656.40 72.28 118.56 38.58
244 346.40 371.30 62.10 279.60 491.80 760.60 90.27 144.98 32.55
245 339.10 387.00 59.00 273.90 461.30 787.60 86.11 138.63 33.70
246 344.50 387.00 62.40 310.20 454.10 759.80 88.40 141.86 31.41
247 332.90 346.90 60.60 283.20 419.70 740.30 88.09 142.17 34.53
248 324.90 353.20 56.40 259.00 428.80 714.40 85.70 137.59 29.85
249 371.10 404.90 66.70 300.50 484.60 792.40 92.66 149.03 32.76
250 343.90 364.00 64.70 281.50 457.40 778.30 90.69 145.91 34.53
251 339.10 359.70 60.60 298.00 437.90 731.20 88.30 142.17 29.95
252 344.80 366.10 60.90 305.20 447.00 739.40 88.30 142.17 30.16
253 339.60 374.90 60.10 288.70 476.70 745.80 85.70 137.80 31.30
254 342.90 396.20 61.80 286.20 439.90 754.20 91.21 147.26 33.59
255 349.70 362.80 62.90 285.40 452.20 728.90 88.40 142.17 31.30
257 458.20 631.30 73.20 396.90 335.30 1192.00 104.52 171.50 70.41
258 437.60 620.90 69.00 395.80 347.40 1113.40 103.38 170.04 60.42
259 421.30 623.20 73.40 396.90 299.50 1262.20 103.38 170.04 62.40
260 537.50 802.00 115.00 745.30 452.20 1220.70 123.97 202.90 72.59
261 791.10 1175.70 158.10 813.90 544.70 1698.40 161.72 264.47 56.06
262 518.30 792.30 106.20 594.50 372.60 1196.20 108.68 177.74 55.22
263 531.60 806.10 105.40 662.30 325.40 1160.40 108.68 177.74 59.49
264 480.60 705.90 93.70 495.90 298.80 1060.30 122.30 200.62 66.56
265 531.50 733.20 111.10 627.40 329.00 1248.20 108.68 177.74 55.02
266 567.70 790.60 94.50 518.10 367.30 1119.60 117.73 192.71 63.96
267 530.50 684.40 103.90 552.50 329.80 1190.80 116.90 191.88 60.74
268 629.60 781.00 118.80 697.90 478.70 1254.60 144.14 236.29 62.82
269 541.10 765.90 117.90 662.80 378.50 1233.80 128.13 211.12 73.42
271 645.00 842.70 123.60 685.10 399.30 1335.10 135.62 222.14 62.82
272 733.50 896.70 154.00 798.50 495.80 1632.30 144.14 236.29 62.82
273 575.20 736.60 124.70 690.40 431.50 1254.60 144.14 236.29 67.91
274 566.10 716.80 98.50 490.60 332.30 1106.90 114.19 186.68 62.40
275 570.50 665.90 99.10 535.70 326.90 1165.30 115.65 189.28 59.49
276 539.60 685.20 93.40 504.50 315.60 1235.20 109.10 178.98 63.34
277 546.20 773.20 103.70 577.80 351.80 1182.00 111.28 182.52 57.51
278 516.40 694.20 88.60 465.20 392.70 1212.40 117.73 192.50 63.96
279 490.60 641.70 99.10 627.40 410.90 1184.40 109.62 179.92 60.42
281 552.10 831.00 114.20 529.60 320.90 1192.00 115.02 188.55 65.10
282 555.80 694.20 93.40 503.40 340.30 1267.70 106.50 174.41 62.09
283 591.80 774.90 115.30 744.70 368.80 1304.10 144.14 236.29 62.82
284 542.80 684.40 102.20 538.50 339.70 1340.50 111.28 181.90 62.19
286 606.90 962.90 114.70 720.20 429.80 1341.00 139.36 224.43 44.62
287 558.60 848.70 123.00 730.50 448.70 1260.30 133.54 214.86 49.19
288 529.30 764.30 97.30 650.20 393.30 1228.10 115.44 186.16 42.33
289 522.00 786.20 127.60 673.40 446.60 1255.50 131.56 211.74 55.85
290 500.50 793.00 101.10 650.00 409.80 1347.30 115.02 185.33 42.33
291 494.30 684.00 88.00 511.50 393.00 1286.10 115.02 185.33 54.39
292 469.90 733.50 77.20 507.30 371.30 995.80 104.52 168.38 43.47
293 538.40 807.30 128.40 782.10 497.60 1246.70 131.56 211.74 48.67
294 470.20 769.10 100.30 574.20 446.60 1281.60 115.02 185.33 53.46
295 535.10 829.70 100.30 617.30 378.50 1190.80 115.02 185.33 42.85
Base Rates

296 465.90 743.10 81.40 427.90 307.60 1110.20 115.02 185.33 51.17
297 671.80 1030.50 132.10 756.70 478.50 1521.40 146.74 236.29 44.51
298 526.90 726.20 91.10 477.50 333.00 1154.10 115.75 186.68 55.54
299 512.40 820.10 127.00 688.20 376.10 1197.60 121.16 194.79 44.51
300 504.00 781.00 90.00 617.10 372.20 1253.80 120.85 194.27 44.30
301 546.20 827.10 91.10 530.70 335.30 1213.60 119.70 193.13 45.24
302 467.40 650.10 85.20 489.10 294.10 1189.80 115.02 185.33 56.89
303 542.80 813.90 107.30 665.90 329.80 1163.30 115.02 185.33 44.62
304 505.00 722.00 101.90 589.80 426.70 1192.90 119.08 191.36 49.50
305 493.60 737.40 90.00 516.80 384.60 1241.60 115.02 185.33 46.59
306 513.40 669.90 101.60 654.70 551.80 1308.30 123.97 199.06 53.56
307 511.80 750.70 99.90 557.40 469.70 1205.90 120.85 194.27 49.71
308 525.10 705.10 106.20 681.20 549.60 1332.80 125.22 201.34 53.25
309 500.50 682.60 101.90 640.20 472.10 1288.80 123.97 199.06 51.17
310 327.30 549.60 67.80 337.50 326.90 949.40 89.13 145.91 71.03
311 490.20 662.70 99.10 566.90 357.20 1117.60 122.93 197.39 49.71
312 526.90 779.80 123.00 699.60 375.20 1276.10 134.37 216.11 49.50
313 507.30 715.70 88.60 493.90 320.90 1135.10 115.02 185.33 51.17
314 535.70 740.10 117.90 669.20 386.90 1245.60 136.97 220.06 49.19
315 471.90 703.40 85.20 451.30 300.90 1088.00 115.02 185.33 52.10
316 506.10 720.30 90.60 465.50 317.60 1081.70 115.96 186.99 49.71
317 534.90 719.70 93.40 473.30 340.80 1119.60 115.02 185.33 53.87
318 538.80 724.10 90.00 516.80 396.80 1180.20 116.79 188.24 42.33
319 529.30 739.70 105.70 626.30 487.50 1307.40 122.82 197.18 53.87
320 278.80 467.80 69.20 296.30 287.90 927.20 121.47 199.37 79.98
321 572.90 813.70 115.30 646.40 523.40 1363.20 128.65 207.69 46.07
322 512.80 681.40 102.20 582.50 459.30 1308.30 131.56 211.74 57.82
323 513.70 715.70 93.70 496.10 332.60 1177.60 115.02 185.33 56.37
324 493.30 761.10 100.30 565.80 361.10 1189.80 119.08 191.36 48.05
325 516.20 739.00 99.90 544.00 349.40 1198.50 115.02 185.33 42.85
326 517.60 711.60 93.40 521.50 349.80 1081.70 115.02 185.33 44.62
327 517.60 723.70 87.50 465.20 375.70 1282.90 115.02 185.33 54.70
328 482.50 722.90 91.40 431.50 364.40 1329.20 119.39 193.02 59.49
329 541.10 853.90 98.00 550.20 350.40 1233.80 115.02 185.33 51.58
330 496.90 775.40 91.10 478.00 333.70 1176.30 115.02 185.33 58.45
331 540.40 898.30 123.60 687.30 380.40 1265.60 128.96 207.69 49.71
332 568.10 894.00 119.90 707.70 376.60 1322.00 128.54 206.96 49.82
333 509.20 653.60 99.10 637.40 449.90 1147.50 123.97 199.06 49.71
334 557.10 704.10 100.60 589.00 399.10 1110.20 120.54 194.48 50.86
335 501.30 691.30 103.40 585.60 546.00 1284.20 115.65 186.47 48.57
336 516.40 658.80 99.10 576.70 502.80 1197.60 123.76 199.47 52.73
337 532.20 664.60 89.70 463.50 365.20 1193.70 115.02 185.33 58.76
338 551.00 668.00 87.50 464.90 359.50 1215.20 115.02 185.33 47.74
339 464.70 715.50 86.80 440.30 357.80 1243.60 123.97 199.06 58.14
340 235.80 393.60 57.80 322.20 263.30 870.10 77.17 126.67 72.49
341 579.00 813.90 115.30 632.70 434.80 1233.80 131.56 211.74 48.57
342 563.30 827.10 115.90 640.70 415.00 1269.80 140.92 227.03 52.73
343 602.10 799.40 130.90 759.50 445.90 1373.50 134.99 217.05 51.58
344 610.90 765.50 127.00 660.80 564.60 1296.10 131.56 211.74 48.26
345 507.90 726.80 102.80 540.70 441.90 1170.80 128.65 207.17 52.31
346 556.20 739.00 101.90 631.10 444.20 1263.90 115.65 186.47 50.65
347 650.30 896.40 159.20 825.00 515.00 1613.00 163.18 262.91 48.36
348 583.60 818.40 103.90 605.90 375.90 1295.90 120.64 194.48 54.60
Base Rates

349 533.90 726.20 115.90 618.50 365.80 1198.50 140.92 227.03 50.02
350 574.20 813.90 101.10 522.10 320.70 1222.10 122.93 197.39 53.46
351 599.90 796.00 126.70 739.40 383.10 1337.90 131.56 211.74 59.49
352 551.00 779.80 96.50 528.20 365.80 1091.80 122.93 198.22 45.24
353 711.10 974.20 170.60 880.50 413.40 1593.00 157.14 253.14 52.62
354 559.10 760.70 105.40 538.70 335.30 1193.70 115.02 185.33 44.10
355 570.50 763.90 99.90 556.60 407.40 1247.90 120.33 193.44 52.31
356 576.50 711.60 90.60 538.20 433.30 1134.00 140.40 226.41 51.58
357 588.50 750.40 115.90 665.90 411.80 1245.90 131.56 211.74 55.33
358 548.60 731.80 105.70 544.70 409.80 1313.30 116.90 188.55 52.73
359 592.10 764.10 130.10 670.60 542.40 1287.20 123.97 199.06 45.45
360 558.30 698.70 124.70 696.30 455.70 1225.50 149.66 240.86 54.39
361 606.50 752.60 119.60 713.50 485.20 1295.50 131.25 211.22 51.58
362 544.60 708.60 103.40 609.50 410.90 1253.80 128.34 206.96 62.09
363 578.60 746.30 127.60 747.60 466.30 1297.80 134.68 216.63 48.67
364 615.50 726.80 124.70 762.00 510.30 1419.60 140.92 227.03 58.76
365 596.90 740.90 139.80 783.70 534.20 1390.50 149.66 240.86 53.25
366 599.90 747.20 133.90 699.60 488.50 1413.70 149.66 240.86 62.09
367 595.50 750.80 133.90 827.00 472.80 1373.90 149.66 240.86 60.42
368 584.10 784.00 126.70 711.60 476.70 1134.70 131.56 211.74 48.36
369 542.80 725.70 99.10 579.70 359.20 1240.40 115.02 185.33 54.60
370 502.90 678.70 90.30 542.70 393.00 1144.70 115.02 188.45 67.08
371 674.10 833.10 130.10 724.70 471.70 1412.00 147.26 237.02 50.34
372 568.70 709.00 116.20 621.00 502.80 1307.70 125.11 200.82 45.45
373 580.20 772.80 111.60 665.00 482.20 1364.10 132.29 213.20 60.22
374 628.60 902.30 128.40 766.80 392.70 1332.80 131.25 211.22 48.36
375 550.00 620.40 101.10 581.70 460.00 1150.60 122.30 196.77 48.98
376 555.80 669.30 105.40 655.30 502.30 1277.50 149.66 240.86 53.46
377 540.20 674.50 96.50 545.20 349.80 1227.10 122.93 198.22 47.84
378 452.70 770.70 86.80 487.20 348.00 1181.10 115.02 185.33 52.31
379 521.60 890.90 99.10 564.90 386.20 1258.80 132.29 213.20 48.67
381 526.40 733.20 100.30 537.90 361.80 1135.10 119.91 193.34 55.54
382 632.10 783.10 128.80 700.40 479.80 1348.40 159.95 257.30 48.26
383 628.60 804.60 119.30 692.30 469.70 1254.60 131.56 211.54 53.25
384 634.60 810.30 133.00 700.40 507.00 1338.70 159.95 257.30 58.45
385 591.20 786.20 117.60 639.90 466.30 1351.50 138.94 224.22 54.39
386 655.30 864.60 128.80 759.80 422.70 1306.20 131.56 211.74 48.36
387 643.80 842.20 123.60 697.30 407.10 1332.30 138.42 223.29 48.26
388 641.20 743.90 133.00 720.50 437.10 1233.80 132.60 213.20 50.13
389 615.20 739.70 130.90 672.30 474.70 1263.30 138.63 223.50 50.86
390 396.10 532.70 70.10 368.20 303.80 987.70 89.54 146.95 105.25
391 644.60 719.70 145.80 739.10 527.70 1369.20 155.06 250.02 57.82
392 643.50 733.20 119.90 645.20 443.60 1277.00 136.03 218.71 56.47
393 677.30 884.80 147.00 746.90 541.10 1643.10 159.95 257.30 48.26
394 638.40 702.90 135.80 766.00 571.30 1360.30 134.99 217.05 50.65
395 693.10 850.90 176.30 929.80 478.50 1530.70 146.95 236.50 48.36
396 660.20 750.10 103.70 608.70 415.00 1228.10 131.56 211.74 48.36
397 680.50 892.70 153.50 771.50 483.20 1439.20 140.09 225.68 48.26
398 709.80 883.60 154.00 780.70 484.80 1554.50 146.95 236.50 48.26
399 728.30 765.90 146.60 746.40 526.70 1568.10 144.14 232.44 48.26
401 575.20 735.60 122.40 690.40 412.60 1251.20 147.58 237.43 54.08
402 560.30 723.70 97.10 513.50 339.40 1121.80 118.25 190.53 44.10
404 470.20 694.70 88.00 439.50 355.50 1207.20 130.00 208.94 54.39
Base Rates

406 459.40 629.70 85.20 468.00 354.10 1192.90 115.02 185.33 58.66
407 505.20 786.20 97.10 518.40 323.00 1196.90 115.02 185.33 56.47
408 487.80 704.10 103.70 618.50 449.20 1252.00 115.02 185.33 51.58
409 514.80 720.70 82.90 464.90 307.20 1122.70 115.02 185.33 53.25
410 337.40 381.90 66.00 368.50 204.40 768.50 90.90 148.72 116.79
411 591.80 775.00 118.50 745.30 375.90 1329.20 147.58 237.43 46.59
412 509.20 754.40 85.20 473.00 315.60 1151.80 114.82 185.22 52.62
413 468.60 765.90 86.80 468.00 374.90 1183.90 115.02 185.33 55.54
414 516.40 724.10 90.00 491.10 363.40 1165.30 115.02 185.33 42.33
416 586.40 536.40 94.50 423.40 694.30 890.80 136.97 224.64 69.58
417 610.50 544.80 99.90 463.20 709.90 942.00 155.06 253.55 78.00
418 612.10 498.00 100.60 406.30 697.60 943.30 146.74 240.55 73.42
419 604.30 481.80 91.90 442.90 715.00 936.10 131.87 216.63 68.12
420 395.30 399.90 62.40 359.00 198.70 905.90 85.80 140.92 97.86
424 371.90 504.20 64.10 343.60 383.70 860.00 96.30 157.66 39.21
425 327.30 482.40 64.10 280.40 456.70 910.00 86.84 142.69 39.10
426 314.80 479.50 65.50 349.50 426.70 808.50 88.71 145.81 36.92
427 322.60 506.60 65.50 343.60 384.60 890.40 91.83 150.28 39.94
428 322.60 506.60 67.50 333.90 382.10 835.00 93.60 153.30 39.62
429 376.40 504.60 70.30 358.70 453.30 902.00 99.32 163.70 44.51
430 404.50 524.40 71.20 369.80 213.00 823.70 88.61 145.08 62.40
431 302.60 494.80 65.50 285.70 432.10 838.50 84.24 137.59 40.56
433 274.20 509.80 56.40 272.90 264.30 875.20 76.54 125.53 46.28
434 251.40 479.90 55.90 275.90 253.20 896.80 74.26 121.78 45.97
435 257.90 490.70 58.70 288.70 260.30 861.60 74.57 122.51 46.70
436 290.20 454.00 60.30 274.60 272.70 942.00 76.02 124.28 44.82
437 287.00 521.30 59.80 281.20 262.60 868.40 74.46 121.47 52.94
438 278.60 444.50 56.40 268.10 255.50 860.00 74.88 122.62 44.93
439 314.10 488.00 59.00 275.70 273.70 888.10 83.20 136.45 54.70
440 365.50 421.80 74.10 370.50 288.10 964.10 86.63 142.06 66.25
441 306.70 504.90 54.40 302.10 260.90 833.40 79.14 129.79 48.98
442 317.60 504.20 58.70 276.70 260.30 949.10 83.51 137.28 56.99
443 289.90 461.80 58.10 283.70 266.60 840.80 79.35 130.00 48.26
444 283.20 510.10 54.70 297.70 262.60 849.40 73.32 120.02 47.53
445 326.60 485.20 58.10 276.20 269.60 956.90 84.03 137.80 55.85
447 394.20 549.60 70.90 392.70 269.50 934.50 85.49 140.40 52.31
449 415.30 580.30 74.40 377.40 281.70 988.30 87.78 143.62 53.14
450 344.00 530.80 65.70 331.50 276.70 978.00 76.23 124.59 57.62
451 371.40 532.90 74.60 403.00 259.20 989.40 83.72 136.97 53.56
452 333.20 496.50 70.90 385.70 250.70 985.10 78.00 127.19 55.74
453 365.70 525.80 68.30 383.60 259.20 968.40 80.08 131.46 55.22
454 351.00 529.50 70.90 376.00 269.90 1034.50 87.78 144.14 55.22
455 345.20 534.80 70.90 349.50 315.50 991.90 85.18 139.78 52.10
456 373.00 544.30 76.90 381.90 285.70 1059.90 87.67 143.83 60.22
457 338.60 491.60 70.90 347.60 276.20 1005.50 82.58 135.30 58.76
458 369.30 565.10 70.90 374.10 282.00 1122.10 95.16 155.69 64.48
459 358.70 575.00 72.60 389.70 323.80 1036.40 87.15 142.69 57.20
460 332.30 532.00 70.10 321.10 343.90 997.30 81.12 133.02 61.88
461 373.00 547.70 69.00 371.30 265.30 948.20 89.44 145.91 57.82
462 368.50 527.70 70.90 370.10 256.20 1063.40 87.46 143.31 61.78
463 366.80 500.50 72.60 362.00 284.40 1042.40 94.12 153.92 58.76
464 357.40 548.00 71.20 351.20 271.60 1112.10 93.60 153.40 64.38
465 365.40 539.00 73.40 369.00 279.30 1066.40 87.67 143.62 62.19
Base Rates

466 372.20 542.10 74.40 381.10 309.80 1026.70 90.38 147.89 54.18
467 365.40 542.70 71.20 362.30 284.80 1032.10 89.23 146.12 61.05
468 366.00 532.90 73.70 387.40 284.10 1079.60 89.86 147.06 62.40
469 353.50 488.70 73.70 351.20 290.30 992.30 87.26 143.00 61.57
470 333.30 335.50 61.80 294.30 199.90 755.70 81.12 132.08 57.51
471 354.30 499.60 66.90 345.10 285.10 1072.70 87.46 143.62 56.06
472 357.40 510.50 70.10 334.80 277.70 1037.30 81.22 133.22 59.90
473 349.90 532.50 70.90 350.10 269.20 1018.20 87.67 143.94 64.38
474 467.90 631.00 92.30 422.90 286.20 1300.30 113.15 185.33 64.48
475 348.40 540.50 66.70 371.80 289.40 984.20 85.49 140.09 50.34
476 353.60 549.90 73.70 390.20 282.30 1090.90 89.75 146.95 54.39
478 292.90 430.60 65.20 294.80 223.70 857.10 88.09 141.86 28.50
479 336.40 524.20 88.30 402.00 347.40 970.30 95.16 153.09 32.76
480 528.70 648.70 82.90 462.90 356.20 1265.10 104.94 172.12 57.82
481 286.20 439.40 64.10 333.10 259.90 833.40 83.82 134.68 26.10
482 275.20 485.90 74.40 360.20 223.50 835.50 105.35 169.10 27.25
483 247.60 529.60 57.80 296.60 302.20 822.80 81.64 130.94 27.98
484 289.40 447.70 67.20 331.10 222.30 656.40 88.40 142.17 21.01
485 369.90 519.50 92.30 472.20 399.10 815.60 100.78 162.34 26.21
486 325.70 609.90 73.40 377.40 408.40 1088.00 105.56 169.83 34.22
487 309.60 441.20 83.40 424.70 312.80 986.70 102.96 166.09 30.99
488 375.50 564.50 81.70 421.40 315.30 799.50 113.57 182.94 24.13
489 305.90 433.20 80.90 414.10 353.40 961.00 97.76 156.83 33.90
490 515.70 676.30 98.00 541.00 333.00 1291.00 103.06 169.52 52.73
491 256.90 417.80 76.30 377.10 306.20 781.70 88.09 141.54 27.25
492 367.30 525.60 84.90 398.50 310.90 1004.60 105.56 169.83 35.36
493 378.20 512.20 85.70 432.30 378.30 1086.70 108.47 174.41 35.98
494 343.40 411.70 80.90 408.30 325.50 909.10 98.70 158.81 31.72
495 340.10 442.40 90.00 450.40 398.00 1063.80 98.07 157.46 31.30
496 398.20 520.60 80.00 411.60 379.60 1183.10 103.90 167.13 34.01
497 323.60 503.40 90.00 440.30 361.50 1024.70 96.93 156.21 36.50
498 291.70 479.50 77.70 368.50 280.40 895.20 103.79 166.92 37.96
499 312.20 396.80 86.00 425.90 282.00 858.20 98.18 157.77 24.54
500 254.70 565.40 66.40 330.80 238.50 868.10 92.98 149.86 25.38
501 333.30 554.50 46.20 238.90 330.70 788.30 55.22 88.71 25.90
502 322.60 533.10 51.80 249.50 340.30 646.40 59.49 95.58 20.49
503 367.90 539.60 78.80 342.30 338.70 866.30 96.10 154.86 32.24
504 339.20 507.60 47.50 244.70 332.60 734.00 57.62 92.87 24.96
505 215.10 417.60 60.30 245.90 316.60 689.90 69.58 112.01 22.36
506 281.00 420.10 75.20 365.70 292.50 993.30 94.02 151.32 30.58
507 354.60 568.80 84.90 392.20 393.00 886.10 94.43 152.26 30.58
508 330.10 537.60 45.90 287.40 285.30 771.60 50.86 81.64 29.12
509 244.90 564.90 82.60 364.30 197.90 818.50 90.90 146.43 27.56
511 338.40 431.40 84.90 387.20 295.90 836.20 102.96 166.09 28.81
512 256.70 516.10 63.50 293.80 247.80 852.90 75.09 121.06 23.30
513 231.60 494.30 61.50 313.00 223.70 755.10 87.46 140.71 25.90
514 340.80 509.70 46.20 320.80 211.00 789.00 60.63 97.34 26.52
515 252.40 391.20 71.20 359.30 231.80 769.60 91.52 147.37 27.98
516 367.90 491.60 79.10 391.40 395.30 984.80 102.96 166.09 34.53
517 249.30 383.90 71.80 372.60 307.80 839.70 92.87 149.66 27.66
518 232.50 491.20 78.80 393.00 407.10 968.40 91.52 147.26 32.14
519 230.40 418.20 72.10 384.90 222.10 864.20 88.92 143.00 30.78
520 279.90 511.90 58.10 293.20 240.50 791.80 69.06 112.74 44.10
Base Rates

521 305.30 433.80 100.60 521.50 385.60 824.00 107.95 173.89 23.61
522 343.90 517.40 95.70 495.00 282.00 1191.40 115.65 186.78 35.67
523 326.00 530.80 79.10 399.40 378.50 981.50 106.50 171.29 32.76
524 305.70 425.10 86.00 413.90 364.20 1015.50 110.76 178.46 32.14
525 276.00 477.90 81.70 398.00 293.00 855.30 108.26 174.30 29.95
526 314.80 540.30 32.50 166.10 306.20 690.30 48.57 78.21 29.64
527 279.10 502.10 68.60 361.50 350.10 989.00 90.27 145.08 32.24
528 250.70 500.00 68.00 319.20 234.90 815.60 88.61 142.38 27.35
529 209.40 333.40 70.10 359.50 215.40 690.90 84.55 135.62 24.44
530 298.70 396.40 57.00 286.80 238.20 779.90 76.34 124.80 59.07
531 235.00 496.40 68.60 362.00 236.20 693.60 90.06 144.77 22.67
532 219.40 363.20 73.70 360.40 231.80 690.30 93.18 149.86 23.61
533 180.30 414.50 63.50 309.40 183.50 789.90 86.11 138.42 32.14
534 236.10 467.50 51.00 340.90 347.80 667.20 68.54 110.24 22.67
536 287.90 512.40 60.10 276.70 251.90 823.40 79.35 130.10 50.13
537 310.80 553.30 55.20 265.30 230.80 850.80 73.63 120.54 49.82
538 245.10 543.20 54.10 288.50 246.00 802.30 69.68 113.88 52.10
539 244.70 524.20 58.10 247.20 212.60 729.20 67.39 110.45 51.17
540 518.30 629.30 89.70 378.30 382.10 1156.60 99.63 163.18 50.86
541 286.40 603.60 64.70 261.80 255.30 917.50 72.59 118.77 55.22
543 278.60 550.20 55.20 247.80 226.80 898.80 73.94 121.16 53.14
544 282.00 509.60 55.90 274.30 228.00 790.90 73.11 119.39 45.97
545 284.50 541.20 64.70 298.80 225.00 772.30 76.86 126.26 64.69
546 315.80 590.00 64.10 295.50 249.50 936.90 81.95 133.85 53.14
547 284.00 573.60 58.30 281.20 253.40 834.40 74.57 121.99 59.80
548 258.20 511.60 56.10 262.00 270.40 772.30 73.74 120.85 52.94
549 281.70 515.90 59.30 287.70 264.00 838.80 74.57 121.99 52.31
550 517.60 531.30 93.40 422.60 354.80 1012.80 104.10 170.56 41.50
551 278.30 547.20 60.30 265.30 225.70 741.80 71.45 116.79 48.98
552 291.70 582.30 58.30 265.30 228.40 842.10 74.46 121.99 47.11
553 275.80 521.60 56.10 273.40 224.70 775.40 75.40 123.14 49.71
554 281.70 526.60 56.70 293.50 225.30 736.30 75.19 122.93 44.93
555 268.10 555.50 54.90 269.30 209.50 758.00 74.78 122.51 52.00
556 275.40 616.50 57.50 278.70 250.70 789.40 74.26 121.68 47.53
557 334.40 597.30 60.10 281.70 246.50 915.90 79.14 129.27 52.31
558 297.00 548.40 61.50 312.20 230.20 768.50 84.97 139.26 53.56
559 333.50 579.10 65.70 306.30 233.30 897.90 88.40 145.08 55.33
560 510.90 586.90 87.50 408.10 726.10 1061.00 110.86 180.96 59.28
561 282.80 540.90 55.20 256.50 223.60 822.70 74.57 121.78 54.91
562 314.50 544.00 64.10 295.50 226.80 876.70 87.26 143.31 56.16
563 283.30 532.90 58.30 276.50 222.50 755.10 74.15 121.16 51.79
564 302.10 593.50 58.70 313.00 213.50 891.40 84.97 138.94 68.22
565 274.70 521.00 56.40 250.90 197.00 744.90 76.02 124.28 52.00
566 327.70 628.40 58.30 280.10 260.30 999.60 81.43 133.74 61.57
567 281.60 547.50 56.70 300.10 266.40 806.30 76.23 124.90 60.22
568 275.90 512.40 62.40 288.50 232.30 753.20 75.92 124.38 55.85
569 337.30 589.80 60.60 303.00 254.60 819.10 81.95 134.06 49.19
571 302.40 569.60 59.50 271.80 216.50 758.90 78.83 128.86 48.98
572 297.50 609.20 59.50 283.20 206.70 845.20 80.81 132.08 55.33
573 274.80 596.40 65.50 309.90 209.20 774.00 81.95 134.58 52.73
574 353.90 655.80 72.60 348.10 200.00 839.10 95.16 155.17 59.59
575 296.20 563.80 60.90 280.10 238.50 862.20 85.18 139.05 50.65
576 324.50 579.90 60.30 274.60 255.50 875.60 83.10 136.34 49.71
Base Rates

577 280.60 574.00 62.40 299.10 205.70 740.40 80.08 131.46 53.56
578 301.30 599.60 65.70 350.10 247.90 882.60 86.53 141.86 48.57
579 297.40 555.00 59.00 286.20 296.10 891.70 84.03 137.90 53.46
580 432.10 399.90 81.70 395.80 574.20 952.90 104.73 171.81 51.27
581 303.40 509.50 64.40 314.40 219.50 889.80 80.91 132.60 55.54
582 291.00 530.90 62.60 295.50 223.20 789.10 82.37 135.20 53.77
583 275.80 529.80 58.10 275.40 223.60 799.90 77.17 126.36 49.82
584 301.80 576.10 57.80 280.10 230.80 786.50 88.40 145.08 62.40
585 301.40 541.20 58.10 260.30 217.40 829.10 84.24 138.32 54.70
586 352.50 599.40 66.90 306.30 223.80 791.40 94.12 154.75 52.42
587 300.30 580.10 61.80 256.70 222.50 776.50 84.24 138.11 56.47
588 332.70 563.50 62.10 270.40 219.80 813.40 81.12 133.02 42.33
589 290.40 555.50 56.10 241.10 213.50 785.60 75.19 123.45 67.70
590 300.90 469.90 66.90 272.90 541.40 813.90 81.95 134.16 51.48
591 293.90 658.80 60.90 302.10 226.10 918.40 73.32 119.70 52.31
592 269.90 543.50 59.00 287.40 264.30 772.60 75.40 123.24 54.60
593 274.70 552.80 57.50 267.80 248.80 871.50 76.02 124.38 52.62
594 299.10 553.60 60.30 318.90 237.20 840.50 85.18 139.57 54.08
595 297.70 550.70 62.90 294.30 269.00 830.70 80.81 132.60 61.78
596 298.80 567.70 56.40 262.30 225.30 828.10 84.66 138.63 64.48
597 278.50 504.70 59.30 281.50 240.30 755.80 74.26 121.47 51.17
599 637.50 577.20 120.70 423.40 715.40 1113.40 113.67 186.47 52.42
600 302.40 513.70 55.20 291.00 396.80 921.00 85.49 139.88 40.56
610 304.70 410.20 62.10 268.90 571.70 867.50 80.08 130.73 41.39
620 263.30 432.50 65.20 262.80 656.00 892.00 78.83 128.65 39.10
660 282.60 443.40 40.80 212.40 153.70 745.80 48.57 79.77 34.32
710 369.90 476.70 60.60 318.60 306.80 1002.00 86.63 141.34 57.62
711 391.90 545.20 63.50 363.20 326.70 1084.80 92.46 151.11 57.51
712 339.10 477.90 58.30 309.60 248.30 1042.20 77.48 126.57 66.98
713 281.70 477.00 57.00 258.10 296.50 907.80 76.54 125.42 56.99
714 304.70 423.40 60.90 270.90 295.10 872.70 83.82 137.49 53.46
715 358.10 476.30 61.30 314.90 364.40 1030.90 87.98 143.83 56.47
720 290.60 482.40 61.30 271.40 298.20 867.20 66.77 109.41 49.71
721 286.00 445.20 63.20 275.40 328.70 860.00 72.18 118.25 45.97
722 298.70 461.00 59.80 275.90 310.20 943.30 75.61 123.66 51.48
723 289.10 460.20 60.60 271.40 280.80 884.60 70.51 115.44 45.76
724 291.40 475.10 67.20 299.60 279.00 962.30 76.86 125.94 50.44
725 333.30 465.80 63.80 295.20 280.80 982.60 77.90 127.40 51.17
726 286.20 457.70 60.60 294.00 280.10 940.70 74.88 122.62 49.71
727 304.10 454.00 63.20 291.30 281.30 876.20 77.69 127.40 56.06
728 266.00 420.10 58.70 256.20 266.20 818.50 68.74 112.42 58.45
729 254.10 346.60 57.80 267.30 307.20 811.20 70.82 115.96 56.06
730 320.50 406.70 57.50 311.90 306.80 1049.20 80.81 132.29 71.03
731 367.70 421.80 64.10 351.70 333.00 987.40 83.10 136.03 66.77
732 356.60 477.30 69.20 359.00 317.90 1083.70 91.52 149.97 60.11
733 365.90 478.20 72.90 355.70 293.50 1094.70 90.38 148.20 68.54
734 316.00 407.10 55.90 299.30 293.80 918.40 83.72 136.97 62.09
737 270.40 479.50 65.20 286.50 317.40 915.00 74.88 122.51 50.44
740 314.80 421.30 54.10 255.00 343.30 829.10 85.38 139.36 62.82
741 314.50 469.40 54.10 255.00 345.70 914.20 90.06 147.26 68.85
742 295.80 481.00 54.90 235.60 312.30 826.30 80.29 131.25 63.23
743 328.20 458.50 54.10 253.70 316.90 966.20 90.69 148.41 73.32
744 339.10 485.20 60.60 273.70 307.80 939.10 91.42 149.55 65.31
Base Rates

745 347.30 449.50 56.10 270.40 298.20 908.20 89.23 145.91 63.96
746 276.30 417.80 57.50 214.70 238.90 792.70 80.50 131.77 55.74
747 297.90 440.40 52.40 240.60 274.80 801.70 82.89 135.51 60.42
748 301.40 415.20 53.60 250.30 306.20 749.90 78.62 128.65 56.99
749 302.30 496.30 54.10 248.90 302.20 948.20 87.46 143.00 73.42
750 304.50 483.50 60.60 288.50 588.40 903.20 85.80 140.40 25.90
751 291.70 483.50 59.80 284.90 588.40 903.20 83.41 136.66 25.90
752 287.90 493.90 59.30 292.30 595.40 922.10 85.80 140.40 25.90
753 259.50 484.30 59.80 276.20 595.40 920.60 74.26 121.47 25.90
754 268.00 414.40 61.30 262.30 441.70 813.90 77.06 126.26 27.35
755 244.80 483.50 59.80 284.90 589.20 903.90 66.98 109.62 25.90
756 255.00 496.00 59.80 291.50 600.80 928.40 71.14 116.79 25.90
757 264.30 492.50 60.60 291.30 604.50 927.70 75.40 123.66 25.90
758 262.90 450.40 59.30 257.30 433.50 785.10 75.19 123.24 26.42
759 264.50 402.90 59.30 250.30 502.80 753.00 73.32 120.02 25.90
761 288.50 467.80 62.40 305.80 333.70 949.80 74.88 122.62 50.13
764 323.60 436.50 55.20 259.80 293.80 906.60 84.55 138.42 67.29
765 266.80 366.60 54.70 258.10 267.20 907.80 81.43 133.22 63.34
777 453.90 643.80 83.10 428.70 337.70 1074.10 52.73 84.97 18.72
1 0.174 1.561 0.835 0.812 0.549 1.135 0.813 0.828 1.559
2 0.174 1.298 0.913 0.877 0.540 1.103 0.826 0.846 1.546
3 0.728 1.167 0.896 0.811 0.554 1.040 0.783 0.798 1.570
4 0.954 1.350 0.963 0.985 0.555 1.225 0.945 0.966 1.570
5 0.731 1.151 0.877 0.811 0.562 1.044 0.783 0.799 1.381
6 0.790 1.233 0.862 0.840 0.552 1.136 0.771 0.784 1.550
7 0.704 1.146 0.872 0.850 0.507 0.997 0.746 0.762 1.394
8 0.693 1.246 0.862 0.846 0.525 1.054 0.758 0.773 1.394
9 0.860 1.324 0.931 0.863 0.590 1.188 0.879 0.901 1.540
11 0.731 1.217 0.827 0.802 0.508 1.011 0.779 0.801 1.606
12 0.796 1.180 0.899 0.811 0.550 1.096 0.856 0.874 1.570
14 0.842 1.303 0.931 0.893 0.557 1.204 0.912 0.930 1.788
15 0.964 1.331 1.037 1.026 0.616 1.108 0.979 0.996 1.546
16 0.818 1.314 0.926 0.925 0.554 1.121 0.860 0.880 1.421
18 0.949 1.238 1.032 0.988 0.604 1.055 1.089 1.091 1.156
19 1.038 1.326 1.064 0.953 0.685 1.233 0.969 0.977 1.358
20 1.059 1.329 1.077 0.997 0.714 1.132 0.969 0.975 1.199
24 0.993 1.259 1.045 1.032 0.537 0.938 0.999 1.002 1.106
25 1.044 1.336 1.106 1.105 0.600 1.030 1.111 1.115 1.043
26 0.981 1.299 1.037 1.035 0.565 1.175 1.032 1.038 1.189
27 1.008 1.298 1.069 1.094 0.546 1.027 1.008 1.012 1.209
28 0.953 1.261 1.027 0.952 0.513 1.045 1.013 1.020 1.202
29 0.995 1.280 1.141 1.056 0.552 0.995 1.032 1.033 1.311
31 0.967 1.342 1.050 1.088 0.553 1.076 1.017 1.018 1.083
34 1.033 1.299 1.069 1.054 0.713 1.001 1.048 1.051 1.311
35 0.995 1.132 1.077 0.978 0.668 0.931 0.980 0.979 1.202
36 0.934 1.169 0.971 0.953 0.526 0.990 0.971 0.974 1.245
37 1.173 1.229 1.200 1.192 0.666 1.226 1.114 1.120 1.248
38 1.003 1.135 1.077 1.003 0.583 0.972 1.042 1.047 1.099
39 1.163 1.255 1.127 1.146 0.674 1.351 1.122 1.130 1.298
44 0.971 1.053 1.123 1.079 0.582 0.976 1.038 1.041 1.145
45 1.091 1.081 1.181 1.116 0.593 1.065 1.106 1.109 1.172
46 1.124 1.261 1.151 1.136 0.725 1.069 1.094 1.095 1.265
47 1.030 1.203 1.077 0.946 0.626 0.978 1.048 1.051 1.311
Base Rates

48 1.154 1.167 1.114 1.043 0.780 1.112 1.207 1.207 1.175
49 0.972 1.191 1.018 0.981 0.534 1.008 0.996 1.000 1.272
51 0.970 1.191 0.990 0.959 0.524 0.983 0.982 0.986 1.238
52 1.042 1.148 1.069 1.005 0.654 0.989 1.032 1.036 1.199
53 1.111 1.402 1.181 1.171 0.543 1.038 1.124 1.125 1.218
54 1.108 1.367 1.106 1.069 0.544 0.998 1.119 1.120 1.202
55 1.044 1.288 1.077 1.045 0.625 1.130 1.098 1.101 1.248
56 1.084 1.373 1.181 1.057 0.577 1.134 1.175 1.177 1.228
57 1.072 1.306 1.099 1.016 0.551 1.004 1.076 1.077 1.175
58 1.088 1.351 1.141 0.991 0.684 0.998 1.083 1.084 1.291
59 1.051 1.226 1.141 1.039 0.687 0.999 1.113 1.116 1.212
60 1.571 1.726 1.319 1.646 0.666 1.621 1.259 1.262 1.401
61 1.128 1.322 1.188 1.148 0.597 1.178 1.208 1.211 1.228
62 1.061 1.243 1.181 1.118 0.595 1.033 1.080 1.079 1.175
63 1.136 1.139 1.218 1.088 0.558 0.998 1.101 1.102 1.109
64 1.285 1.229 1.213 1.178 0.736 1.092 1.106 1.108 1.175
65 1.179 1.194 1.127 0.993 0.663 1.101 1.087 1.089 1.272
66 0.981 1.333 1.053 0.998 0.568 1.051 1.034 1.038 1.285
67 1.210 1.349 1.192 1.101 0.730 1.275 1.217 1.218 1.301
68 1.088 1.254 1.242 1.106 0.608 1.157 1.168 1.171 1.301
69 1.004 1.294 1.050 0.989 0.528 0.910 1.045 1.051 1.126
70 1.547 1.491 1.465 1.327 0.776 1.472 1.269 1.274 1.209
71 1.598 1.645 1.497 1.291 0.752 1.389 1.289 1.295 1.225
72 1.115 1.492 1.131 1.079 0.763 1.186 1.114 1.119 1.145
73 0.895 1.164 0.926 0.894 0.519 1.039 0.958 0.962 1.182
74 0.897 1.030 1.013 1.092 0.523 0.912 0.989 0.990 1.099
75 0.954 1.114 1.008 0.977 0.599 0.987 1.035 1.038 1.056
76 1.024 1.204 1.173 1.099 0.750 1.062 1.104 1.107 1.238
77 1.038 1.129 1.151 1.050 0.736 1.057 1.087 1.089 1.311
78 1.012 1.211 1.027 1.023 0.590 1.092 1.124 1.126 1.265
79 0.926 1.186 0.990 0.962 0.524 0.964 1.051 1.055 1.069
80 1.103 1.384 1.106 1.042 0.730 1.219 1.072 1.073 1.175
81 1.219 1.320 1.181 1.049 0.743 1.122 1.106 1.110 1.275
82 1.012 1.106 1.040 0.979 0.679 0.945 1.054 1.057 1.228
83 0.987 1.206 1.064 1.015 0.643 0.983 1.051 1.055 1.209
84 1.095 1.301 1.095 0.956 0.732 1.179 1.058 1.063 1.145
85 1.017 1.357 0.986 0.956 0.565 0.972 1.085 1.089 1.189
86 1.119 1.497 1.114 1.062 0.719 1.281 1.124 1.125 1.272
87 1.163 1.318 1.296 1.124 0.672 1.177 1.068 1.070 1.321
88 1.223 1.240 1.196 1.054 0.634 1.145 1.111 1.111 1.291
89 1.002 1.140 1.064 1.003 0.556 0.981 1.032 1.034 1.145
90 1.185 1.320 1.274 1.148 0.733 1.145 1.144 1.144 1.291
91 1.246 1.289 1.205 1.069 0.727 1.224 1.120 1.120 1.301
92 1.053 1.104 1.095 1.040 0.605 0.936 1.045 1.051 1.056
93 1.049 1.309 1.099 1.019 0.565 1.117 1.101 1.103 1.225
94 0.985 1.193 0.995 1.002 0.551 1.108 1.061 1.063 1.275
95 1.098 1.388 1.131 1.144 0.565 1.045 1.083 1.086 1.175
96 0.971 1.207 1.141 1.114 0.673 1.118 1.055 1.056 1.354
97 1.023 1.299 1.000 0.952 0.597 1.020 1.017 1.020 1.166
98 0.947 1.221 0.954 0.905 0.492 0.949 1.013 1.015 1.106
99 1.094 1.310 1.114 1.164 0.553 1.079 1.168 1.166 1.520
100 1.051 1.339 1.095 1.021 0.577 0.973 1.074 1.079 1.162
101 0.989 1.241 1.000 0.962 0.502 1.016 1.029 1.033 1.156
Base Rates

102 1.253 1.413 1.196 1.191 0.718 1.354 1.192 1.194 1.225
104 1.026 1.533 0.954 0.962 0.505 1.246 0.919 0.937 1.917
105 0.957 1.622 0.921 0.910 0.441 1.178 0.827 0.844 2.205
106 0.960 1.514 1.000 0.923 0.492 1.213 0.879 0.895 2.073
107 1.003 1.529 0.946 0.980 0.502 1.183 0.894 0.915 1.930
108 0.915 1.480 0.958 0.970 0.457 1.180 0.889 0.911 2.013
109 1.002 1.540 0.986 0.966 0.474 1.218 0.918 0.943 1.980
110 0.692 1.250 0.885 0.838 0.866 1.089 0.752 0.769 1.007
111 0.785 1.273 0.954 0.879 0.865 1.035 0.847 0.868 0.901
113 0.930 1.527 0.954 1.069 0.524 1.169 0.798 0.815 1.944
114 0.816 1.460 0.830 0.834 0.449 1.049 0.733 0.746 1.546
116 0.871 1.490 0.954 0.905 0.451 1.065 0.798 0.819 2.136
117 0.887 1.580 0.986 0.919 0.466 1.194 0.826 0.847 1.778
118 0.904 1.626 0.966 0.973 0.502 1.206 0.808 0.823 1.559
119 0.879 1.495 0.848 0.906 0.442 1.180 0.766 0.781 2.023
120 1.282 1.213 1.309 0.974 1.581 1.356 1.144 1.147 1.126
121 0.934 1.559 0.931 0.907 0.450 1.078 0.781 0.799 2.060
122 0.980 1.629 1.072 0.971 0.455 1.213 0.851 0.872 2.060
123 1.067 1.555 1.022 1.032 0.453 1.233 0.869 0.889 2.520
124 1.037 1.572 1.013 0.960 0.501 1.261 0.961 0.980 2.079
125 1.030 1.358 0.817 0.838 0.405 1.121 0.818 0.832 2.503
127 0.972 1.543 1.003 0.958 0.467 1.183 0.824 0.837 2.692
128 0.917 1.402 0.990 0.959 0.469 1.156 0.849 0.869 2.301
129 0.978 1.280 0.963 0.884 0.468 1.059 0.839 0.858 2.050
130 0.934 1.187 1.099 1.060 0.654 1.204 0.898 0.916 1.619
132 1.123 1.564 1.072 1.153 0.629 1.335 1.026 1.031 1.741
133 1.127 1.565 1.082 1.069 0.603 1.282 0.927 0.931 1.732
134 1.141 1.647 1.114 1.140 0.679 1.339 1.052 1.054 1.811
135 1.391 1.642 1.324 1.716 0.845 1.449 1.246 1.248 1.381
136 1.055 1.508 1.210 1.181 0.606 1.316 1.052 1.056 1.844
137 1.277 1.668 1.337 1.418 0.746 1.404 1.076 1.077 1.546
138 1.543 1.921 1.546 1.741 0.832 1.595 1.306 1.311 1.513
139 1.619 1.880 1.465 1.863 0.839 1.636 1.367 1.375 1.513
140 0.954 1.524 0.963 0.918 1.575 1.318 1.308 1.334 2.301
141 1.249 1.584 1.250 1.347 0.739 1.346 1.091 1.092 1.540
142 1.430 1.876 1.391 1.564 0.814 1.492 1.135 1.134 1.483
143 1.522 2.008 1.470 1.693 0.876 1.619 1.286 1.290 1.500
144 1.375 1.849 1.410 1.744 1.011 1.496 1.253 1.256 1.421
145 1.428 1.735 1.386 1.532 0.975 1.716 1.306 1.309 1.457
146 1.069 1.480 1.138 1.257 0.809 1.246 0.929 0.931 1.220
147 1.516 1.794 1.542 2.029 1.085 1.589 1.319 1.325 1.493
148 1.460 1.781 1.521 2.017 1.176 1.518 1.192 1.197 1.440
149 1.183 1.655 1.274 1.127 0.651 1.386 1.155 1.158 1.675
150 1.140 1.624 1.114 1.120 0.684 1.476 1.072 1.075 1.851
151 1.629 2.274 1.607 1.788 0.819 1.639 1.348 1.351 1.642
152 1.194 1.633 1.151 1.127 0.650 1.334 1.093 1.097 1.894
153 1.315 1.804 1.319 1.379 0.778 1.544 1.174 1.177 1.500
154 1.591 1.876 1.442 1.717 0.822 1.732 1.347 1.349 1.477
155 1.507 1.931 1.506 1.824 0.998 1.601 1.318 1.324 1.530
156 1.380 1.589 1.287 1.431 0.731 1.492 1.156 1.162 1.404
157 1.417 1.704 1.575 1.908 0.894 1.556 1.309 1.312 1.473
158 1.252 1.672 1.250 1.561 0.850 1.536 1.132 1.136 1.437
159 1.235 1.809 1.373 1.363 0.726 1.425 1.104 1.108 1.570
Base Rates

160 0.703 1.013 0.971 0.844 1.170 0.967 0.966 0.985 1.795
161 1.027 1.511 1.205 1.238 0.698 1.351 1.109 1.112 2.026
162 1.609 2.034 1.675 1.994 0.859 1.697 1.334 1.340 1.510
163 1.215 1.814 1.176 1.201 0.657 1.533 1.127 1.130 1.603
164 1.080 1.591 1.141 1.121 0.595 1.331 1.100 1.102 1.639
165 1.210 1.865 1.324 1.347 0.648 1.453 1.119 1.122 1.702
166 1.084 1.690 1.072 1.099 0.636 1.425 1.078 1.081 1.821
167 1.554 2.049 1.633 1.943 0.741 1.581 1.345 1.350 1.450
168 1.515 1.879 1.391 1.359 0.736 1.518 1.282 1.290 1.450
169 1.393 1.822 1.287 1.367 0.741 1.369 1.111 1.116 1.520
170 1.323 1.887 1.447 1.770 0.906 1.445 1.208 1.213 1.308
171 1.098 1.574 1.213 1.147 0.664 1.381 1.089 1.093 1.715
172 1.161 1.689 1.123 1.094 0.684 1.238 1.100 1.102 1.401
173 1.056 1.517 1.064 1.044 0.663 1.337 1.046 1.047 2.073
174 1.199 1.705 1.309 1.288 0.766 1.396 1.117 1.119 1.665
175 1.275 1.997 1.205 1.509 0.738 1.562 1.124 1.128 1.447
176 1.180 1.650 1.176 1.284 0.627 1.419 1.101 1.104 1.483
177 1.094 1.548 1.077 1.059 0.624 1.272 1.022 1.028 1.712
178 1.234 1.594 1.304 1.260 0.707 1.299 1.168 1.170 1.592
180 1.087 1.619 1.196 1.194 0.676 1.353 1.076 1.081 1.685
181 1.124 1.643 0.997 1.201 0.767 1.280 0.894 0.896 1.154
182 1.321 1.917 1.263 1.411 0.675 1.388 1.109 1.112 1.473
183 1.039 1.603 1.229 1.188 0.630 1.283 1.107 1.109 1.712
184 1.053 1.578 1.064 1.133 0.606 1.294 1.048 1.051 1.775
185 1.304 1.589 1.324 1.278 0.727 1.472 1.208 1.213 1.881
186 1.592 1.786 1.720 1.973 0.869 1.539 1.315 1.321 1.632
187 1.604 1.951 1.521 1.773 0.909 1.686 1.373 1.378 1.450
188 1.373 1.626 1.420 1.436 0.907 1.387 1.174 1.177 1.440
189 1.712 1.854 2.016 2.288 1.267 1.611 1.467 1.474 1.513
190 1.528 1.756 1.675 1.985 1.075 1.655 1.396 1.403 1.659
191 1.593 1.698 1.917 2.188 1.215 1.575 1.455 1.460 1.483
192 1.459 1.687 1.612 1.838 1.029 1.605 1.365 1.369 1.632
193 1.269 1.582 1.452 1.406 0.679 1.365 1.127 1.132 1.632
194 1.248 1.547 1.210 1.158 0.607 1.351 1.127 1.131 1.732
195 1.245 1.666 1.245 1.132 0.657 1.370 1.085 1.091 1.841
196 1.462 1.816 1.361 1.439 0.707 1.537 1.234 1.239 1.679
197 1.297 1.687 1.242 1.241 0.733 1.374 1.146 1.150 1.559
198 1.383 1.929 1.502 1.493 0.820 1.509 1.260 1.264 1.702
199 1.318 1.599 1.285 1.402 0.763 1.230 0.969 0.973 1.164
200 0.945 1.384 0.859 0.838 0.937 1.269 1.436 1.468 2.109
201 1.335 1.862 1.373 1.405 0.752 1.411 1.175 1.181 1.576
202 1.588 1.836 1.657 1.875 1.060 1.512 1.269 1.272 1.483
203 1.623 1.996 1.647 1.953 0.955 1.572 1.217 1.223 1.381
204 1.115 1.636 1.087 1.121 0.567 1.203 1.096 1.101 1.669
205 1.197 1.721 1.159 1.159 0.663 1.358 1.072 1.079 1.592
206 1.140 1.631 1.210 1.172 0.611 1.391 1.059 1.061 1.738
207 1.159 1.661 1.255 1.142 0.737 1.417 1.144 1.150 1.692
208 1.308 1.773 1.442 1.716 0.980 1.539 1.136 1.140 1.493
209 1.298 1.696 1.268 1.416 0.808 1.567 1.272 1.278 1.659
210 1.496 1.761 1.452 1.475 0.654 1.525 1.518 1.521 1.669
212 0.806 1.241 1.003 0.981 0.453 1.143 0.895 0.914 1.301
213 0.912 1.629 0.598 1.026 0.443 1.107 0.571 0.582 1.311
214 0.981 1.626 1.013 0.987 0.433 1.025 0.851 0.868 1.394
Base Rates

215 0.822 1.111 0.958 0.752 0.469 0.985 0.759 0.777 1.344
216 0.665 1.116 1.022 0.765 0.431 1.171 0.831 0.848 1.401
217 0.899 1.088 0.941 0.750 0.401 0.816 0.781 0.798 1.010
218 0.943 1.457 0.667 0.609 0.503 1.115 0.538 0.549 1.477
219 0.704 1.218 0.724 0.686 0.420 0.759 0.593 0.604 1.046
220 1.654 2.029 1.492 1.646 0.866 1.576 1.187 1.189 0.891
221 0.774 1.107 0.934 0.680 0.433 0.765 0.676 0.691 1.079
222 0.994 1.469 0.530 0.548 0.423 1.016 0.501 0.509 1.381
223 0.714 1.126 0.913 0.917 0.482 0.912 0.840 0.858 1.301
224 0.882 1.528 0.526 0.724 0.460 0.999 0.485 0.493 1.261
225 0.948 1.626 0.689 0.712 0.352 1.163 0.589 0.600 1.570
226 0.729 1.275 0.822 0.832 0.440 0.942 0.761 0.779 1.142
227 0.562 1.491 0.654 0.604 0.343 1.133 0.739 0.757 1.381
228 0.858 1.215 1.000 0.763 0.461 0.878 0.800 0.816 1.265
229 0.599 1.210 0.885 0.906 0.440 0.792 0.868 0.885 1.245
232 0.700 1.114 1.040 1.020 0.457 1.056 0.831 0.853 1.427
234 0.870 1.532 1.013 0.959 0.505 1.092 0.827 0.844 1.421
235 0.862 1.250 0.995 0.945 0.412 0.961 0.808 0.828 1.199
236 0.713 1.103 0.926 0.897 0.412 0.799 0.761 0.779 1.043
237 0.870 1.528 0.630 0.604 0.347 1.135 0.534 0.544 1.358
238 0.796 1.229 0.946 0.924 0.499 0.788 0.792 0.814 1.010
239 0.890 1.522 0.563 0.563 0.492 0.981 0.472 0.482 1.261
241 0.955 1.275 1.032 0.979 0.379 1.140 0.927 0.945 1.338
242 0.773 1.098 0.880 0.636 0.416 0.864 0.818 0.836 1.228
244 1.006 0.959 0.995 0.901 1.083 1.001 1.021 1.022 1.036
245 0.984 1.000 0.946 0.883 1.016 1.037 0.974 0.977 1.073
246 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
247 0.966 0.896 0.971 0.913 0.924 0.974 0.996 1.002 1.099
248 0.943 0.913 0.904 0.835 0.944 0.940 0.969 0.970 0.950
249 1.077 1.046 1.069 0.969 1.067 1.043 1.048 1.051 1.043
250 0.998 0.941 1.037 0.907 1.007 1.024 1.026 1.029 1.099
251 0.984 0.929 0.971 0.961 0.964 0.962 0.999 1.002 0.954
252 1.001 0.946 0.976 0.984 0.984 0.973 0.999 1.002 0.960
253 0.986 0.969 0.963 0.931 1.050 0.982 0.969 0.971 0.996
254 0.995 1.024 0.990 0.923 0.969 0.993 1.032 1.038 1.069
255 1.015 0.937 1.008 0.920 0.996 0.959 1.000 1.002 0.996
257 1.330 1.631 1.173 1.279 0.738 1.569 1.182 1.209 2.242
258 1.270 1.604 1.106 1.276 0.765 1.465 1.169 1.199 1.924
259 1.223 1.610 1.176 1.279 0.660 1.661 1.169 1.199 1.987
260 1.560 2.072 1.843 2.403 0.996 1.607 1.402 1.430 2.311
261 2.296 3.038 2.534 2.624 1.200 2.235 1.829 1.864 1.785
262 1.504 2.047 1.702 1.917 0.821 1.574 1.229 1.253 1.758
263 1.543 2.083 1.689 2.135 0.717 1.527 1.229 1.253 1.894
264 1.395 1.824 1.502 1.599 0.658 1.395 1.383 1.414 2.119
265 1.543 1.895 1.780 2.023 0.725 1.643 1.229 1.253 1.752
266 1.648 2.043 1.514 1.670 0.809 1.474 1.332 1.358 2.036
267 1.540 1.768 1.665 1.781 0.726 1.567 1.322 1.353 1.934
268 1.828 2.018 1.904 2.250 1.054 1.651 1.631 1.666 2.000
269 1.571 1.979 1.889 2.137 0.834 1.624 1.449 1.488 2.337
271 1.872 2.178 1.981 2.209 0.879 1.757 1.534 1.566 2.000
272 2.129 2.317 2.468 2.574 1.092 2.148 1.631 1.666 2.000
273 1.670 1.903 1.998 2.226 0.950 1.651 1.631 1.666 2.162
274 1.643 1.852 1.579 1.582 0.732 1.457 1.292 1.316 1.987
Base Rates

275 1.656 1.721 1.588 1.727 0.720 1.534 1.308 1.334 1.894
276 1.566 1.771 1.497 1.626 0.695 1.626 1.234 1.262 2.017
277 1.585 1.998 1.662 1.863 0.775 1.556 1.259 1.287 1.831
278 1.499 1.794 1.420 1.500 0.865 1.596 1.332 1.357 2.036
279 1.424 1.658 1.588 2.023 0.905 1.559 1.240 1.268 1.924
281 1.603 2.147 1.830 1.707 0.707 1.569 1.301 1.329 2.073
282 1.613 1.794 1.497 1.623 0.749 1.668 1.205 1.229 1.977
283 1.718 2.002 1.848 2.401 0.812 1.716 1.631 1.666 2.000
284 1.576 1.768 1.638 1.736 0.748 1.764 1.259 1.282 1.980
286 1.762 2.488 1.838 2.322 0.946 1.765 1.576 1.582 1.421
287 1.621 2.193 1.971 2.355 0.988 1.659 1.511 1.515 1.566
288 1.536 1.975 1.559 2.096 0.866 1.616 1.306 1.312 1.348
289 1.515 2.032 2.045 2.171 0.983 1.652 1.488 1.493 1.778
290 1.453 2.049 1.620 2.095 0.902 1.773 1.301 1.306 1.348
291 1.435 1.767 1.410 1.649 0.865 1.693 1.301 1.306 1.732
292 1.364 1.895 1.237 1.635 0.818 1.311 1.182 1.187 1.384
293 1.563 2.086 2.058 2.521 1.096 1.641 1.488 1.493 1.550
294 1.365 1.987 1.607 1.851 0.983 1.687 1.301 1.306 1.702
295 1.553 2.144 1.607 1.990 0.834 1.567 1.301 1.306 1.364
296 1.352 1.920 1.304 1.379 0.677 1.461 1.301 1.306 1.629
297 1.950 2.663 2.117 2.439 1.054 2.002 1.660 1.666 1.417
298 1.529 1.876 1.460 1.539 0.733 1.519 1.309 1.316 1.768
299 1.487 2.119 2.035 2.219 0.828 1.576 1.371 1.373 1.417
300 1.463 2.018 1.442 1.989 0.820 1.650 1.367 1.369 1.410
301 1.585 2.137 1.460 1.711 0.738 1.597 1.354 1.361 1.440
302 1.357 1.680 1.365 1.577 0.648 1.566 1.301 1.306 1.811
303 1.576 2.103 1.720 2.147 0.726 1.531 1.301 1.306 1.421
304 1.466 1.866 1.633 1.901 0.940 1.570 1.347 1.349 1.576
305 1.433 1.905 1.442 1.666 0.847 1.634 1.301 1.306 1.483
306 1.490 1.731 1.628 2.111 1.215 1.722 1.402 1.403 1.705
307 1.486 1.940 1.601 1.797 1.034 1.587 1.367 1.369 1.583
308 1.524 1.822 1.702 2.196 1.210 1.754 1.417 1.419 1.695
309 1.453 1.764 1.633 2.064 1.040 1.696 1.402 1.403 1.629
310 0.950 1.420 1.087 1.088 0.720 1.250 1.008 1.029 2.261
311 1.423 1.712 1.588 1.828 0.787 1.471 1.391 1.391 1.583
312 1.529 2.015 1.971 2.255 0.826 1.680 1.520 1.523 1.576
313 1.473 1.849 1.420 1.592 0.707 1.494 1.301 1.306 1.629
314 1.555 1.912 1.889 2.157 0.852 1.639 1.549 1.551 1.566
315 1.370 1.818 1.365 1.455 0.663 1.432 1.301 1.306 1.659
316 1.469 1.861 1.452 1.501 0.699 1.424 1.312 1.318 1.583
317 1.553 1.860 1.497 1.526 0.750 1.474 1.301 1.306 1.715
318 1.564 1.871 1.442 1.666 0.874 1.553 1.321 1.327 1.348
319 1.536 1.911 1.694 2.019 1.074 1.721 1.389 1.390 1.715
320 0.809 1.209 1.109 0.955 0.634 1.220 1.374 1.405 2.546
321 1.663 2.103 1.848 2.084 1.153 1.794 1.455 1.464 1.467
322 1.489 1.761 1.638 1.878 1.011 1.722 1.488 1.493 1.841
323 1.491 1.849 1.502 1.599 0.732 1.550 1.301 1.306 1.795
324 1.432 1.967 1.607 1.824 0.795 1.566 1.347 1.349 1.530
325 1.498 1.910 1.601 1.754 0.769 1.577 1.301 1.306 1.364
326 1.502 1.839 1.497 1.681 0.770 1.424 1.301 1.306 1.421
327 1.502 1.870 1.402 1.500 0.827 1.688 1.301 1.306 1.741
328 1.401 1.868 1.465 1.391 0.802 1.749 1.351 1.361 1.894
329 1.571 2.206 1.571 1.774 0.772 1.624 1.301 1.306 1.642
Base Rates

330 1.442 2.004 1.460 1.541 0.735 1.548 1.301 1.306 1.861
331 1.569 2.321 1.981 2.216 0.838 1.666 1.459 1.464 1.583
332 1.649 2.310 1.921 2.281 0.829 1.740 1.454 1.459 1.586
333 1.478 1.689 1.588 2.055 0.991 1.510 1.402 1.403 1.583
334 1.617 1.819 1.612 1.899 0.879 1.461 1.364 1.371 1.619
335 1.455 1.786 1.657 1.888 1.202 1.690 1.308 1.314 1.546
336 1.499 1.702 1.588 1.859 1.107 1.576 1.400 1.406 1.679
337 1.545 1.717 1.438 1.494 0.804 1.571 1.301 1.306 1.871
338 1.599 1.726 1.402 1.499 0.792 1.599 1.301 1.306 1.520
339 1.349 1.849 1.391 1.419 0.788 1.637 1.402 1.403 1.851
340 0.684 1.017 0.926 1.039 0.580 1.145 0.873 0.893 2.308
341 1.681 2.103 1.848 2.040 0.957 1.624 1.488 1.493 1.546
342 1.635 2.137 1.857 2.065 0.914 1.671 1.594 1.600 1.679
343 1.748 2.066 2.098 2.448 0.982 1.808 1.527 1.530 1.642
344 1.773 1.978 2.035 2.130 1.243 1.706 1.488 1.493 1.536
345 1.474 1.878 1.647 1.743 0.973 1.541 1.455 1.460 1.665
346 1.615 1.910 1.633 2.034 0.978 1.663 1.308 1.314 1.613
347 1.888 2.316 2.551 2.660 1.134 2.123 1.846 1.853 1.540
348 1.694 2.115 1.665 1.953 0.828 1.706 1.365 1.371 1.738
349 1.550 1.876 1.857 1.994 0.806 1.577 1.594 1.600 1.592
350 1.667 2.103 1.620 1.683 0.706 1.608 1.391 1.391 1.702
351 1.741 2.057 2.030 2.384 0.844 1.761 1.488 1.493 1.894
352 1.599 2.015 1.546 1.703 0.806 1.437 1.391 1.397 1.440
353 2.064 2.517 2.734 2.838 0.910 2.097 1.778 1.784 1.675
354 1.623 1.966 1.689 1.737 0.738 1.571 1.301 1.306 1.404
355 1.656 1.974 1.601 1.794 0.897 1.642 1.361 1.364 1.665
356 1.673 1.839 1.452 1.735 0.954 1.492 1.588 1.596 1.642
357 1.708 1.939 1.857 2.147 0.907 1.640 1.488 1.493 1.762
358 1.592 1.891 1.694 1.756 0.902 1.728 1.322 1.329 1.679
359 1.719 1.974 2.085 2.162 1.194 1.694 1.402 1.403 1.447
360 1.621 1.805 1.998 2.245 1.004 1.613 1.693 1.698 1.732
361 1.761 1.945 1.917 2.300 1.068 1.705 1.485 1.489 1.642
362 1.581 1.831 1.657 1.965 0.905 1.650 1.452 1.459 1.977
363 1.680 1.928 2.045 2.410 1.027 1.708 1.524 1.527 1.550
364 1.787 1.878 1.998 2.456 1.124 1.868 1.594 1.600 1.871
365 1.733 1.914 2.240 2.526 1.176 1.830 1.693 1.698 1.695
366 1.741 1.931 2.146 2.255 1.076 1.861 1.693 1.698 1.977
367 1.729 1.940 2.146 2.666 1.041 1.808 1.693 1.698 1.924
368 1.696 2.026 2.030 2.294 1.050 1.493 1.488 1.493 1.540
369 1.576 1.875 1.588 1.869 0.791 1.633 1.301 1.306 1.738
370 1.460 1.754 1.447 1.750 0.865 1.507 1.301 1.328 2.136
371 1.957 2.153 2.085 2.336 1.039 1.858 1.666 1.671 1.603
372 1.651 1.832 1.862 2.002 1.107 1.721 1.415 1.416 1.447
373 1.684 1.997 1.788 2.144 1.062 1.795 1.496 1.503 1.917
374 1.825 2.332 2.058 2.472 0.865 1.754 1.485 1.489 1.540
375 1.597 1.603 1.620 1.875 1.013 1.514 1.383 1.387 1.559
376 1.613 1.729 1.689 2.113 1.106 1.681 1.693 1.698 1.702
377 1.568 1.743 1.546 1.758 0.770 1.615 1.391 1.397 1.523
378 1.314 1.991 1.391 1.571 0.766 1.554 1.301 1.306 1.665
379 1.514 2.302 1.588 1.821 0.850 1.657 1.496 1.503 1.550
381 1.528 1.895 1.607 1.734 0.797 1.494 1.356 1.363 1.768
382 1.835 2.024 2.064 2.258 1.057 1.775 1.809 1.814 1.536
383 1.825 2.079 1.912 2.232 1.034 1.651 1.488 1.491 1.695
Base Rates

384 1.842 2.094 2.131 2.258 1.116 1.762 1.809 1.814 1.861
385 1.716 2.032 1.885 2.063 1.027 1.779 1.572 1.581 1.732
386 1.902 2.234 2.064 2.449 0.931 1.719 1.488 1.493 1.540
387 1.869 2.176 1.981 2.248 0.896 1.753 1.566 1.574 1.536
388 1.861 1.922 2.131 2.323 0.963 1.624 1.500 1.503 1.596
389 1.786 1.911 2.098 2.167 1.045 1.663 1.568 1.575 1.619
390 1.150 1.376 1.123 1.187 0.669 1.300 1.013 1.036 3.351
391 1.871 1.860 2.337 2.383 1.162 1.802 1.754 1.762 1.841
392 1.868 1.895 1.921 2.080 0.977 1.681 1.539 1.542 1.798
393 1.966 2.286 2.356 2.408 1.192 2.163 1.809 1.814 1.536
394 1.853 1.816 2.176 2.469 1.258 1.790 1.527 1.530 1.613
395 2.012 2.199 2.825 2.997 1.054 2.015 1.662 1.667 1.540
396 1.916 1.938 1.662 1.962 0.914 1.616 1.488 1.493 1.540
397 1.975 2.307 2.460 2.487 1.064 1.894 1.585 1.591 1.536
398 2.060 2.283 2.468 2.517 1.068 2.046 1.662 1.667 1.536
399 2.114 1.979 2.349 2.406 1.160 2.064 1.631 1.639 1.536
401 1.670 1.901 1.962 2.226 0.909 1.647 1.669 1.674 1.722
402 1.626 1.870 1.556 1.655 0.747 1.476 1.338 1.343 1.404
404 1.365 1.795 1.410 1.417 0.783 1.589 1.471 1.473 1.732
406 1.334 1.627 1.365 1.509 0.780 1.570 1.301 1.306 1.868
407 1.466 2.032 1.556 1.671 0.711 1.575 1.301 1.306 1.798
408 1.416 1.819 1.662 1.994 0.989 1.648 1.301 1.306 1.642
409 1.494 1.862 1.329 1.499 0.677 1.478 1.301 1.306 1.695
410 0.979 0.987 1.058 1.188 0.450 1.011 1.028 1.048 3.718
411 1.718 2.003 1.899 2.403 0.828 1.749 1.669 1.674 1.483
412 1.478 1.949 1.365 1.525 0.695 1.516 1.299 1.306 1.675
413 1.360 1.979 1.391 1.509 0.826 1.558 1.301 1.306 1.768
414 1.499 1.871 1.442 1.583 0.800 1.534 1.301 1.306 1.348
416 1.702 1.386 1.514 1.365 1.529 1.172 1.549 1.584 2.215
417 1.772 1.408 1.601 1.493 1.563 1.240 1.754 1.787 2.483
418 1.777 1.287 1.612 1.310 1.536 1.242 1.660 1.696 2.337
419 1.754 1.245 1.473 1.428 1.575 1.232 1.492 1.527 2.169
420 1.147 1.033 1.000 1.157 0.438 1.192 0.971 0.993 3.116
424 1.080 1.303 1.027 1.108 0.845 1.132 1.089 1.111 1.248
425 0.950 1.247 1.027 0.904 1.006 1.198 0.982 1.006 1.245
426 0.914 1.239 1.050 1.127 0.940 1.064 1.004 1.028 1.175
427 0.936 1.309 1.050 1.108 0.847 1.172 1.039 1.059 1.272
428 0.936 1.309 1.082 1.076 0.841 1.099 1.059 1.081 1.261
429 1.093 1.304 1.127 1.156 0.998 1.187 1.124 1.154 1.417
430 1.174 1.355 1.141 1.192 0.469 1.084 1.002 1.023 1.987
431 0.878 1.279 1.050 0.921 0.952 1.104 0.953 0.970 1.291
433 0.796 1.317 0.904 0.880 0.582 1.152 0.866 0.885 1.473
434 0.730 1.240 0.896 0.889 0.558 1.180 0.840 0.858 1.464
435 0.749 1.268 0.941 0.931 0.573 1.134 0.844 0.864 1.487
436 0.842 1.173 0.966 0.885 0.601 1.240 0.860 0.876 1.427
437 0.833 1.347 0.958 0.907 0.578 1.143 0.842 0.856 1.685
438 0.809 1.149 0.904 0.864 0.563 1.132 0.847 0.864 1.430
439 0.912 1.261 0.946 0.889 0.603 1.169 0.941 0.962 1.741
440 1.061 1.090 1.188 1.194 0.634 1.269 0.980 1.001 2.109
441 0.890 1.305 0.872 0.974 0.575 1.097 0.895 0.915 1.559
442 0.922 1.303 0.941 0.892 0.573 1.249 0.945 0.968 1.814
443 0.842 1.193 0.931 0.915 0.587 1.107 0.898 0.916 1.536
444 0.822 1.318 0.877 0.960 0.578 1.118 0.829 0.846 1.513
Base Rates

445 0.948 1.254 0.931 0.890 0.594 1.259 0.951 0.971 1.778
447 1.144 1.420 1.136 1.266 0.593 1.230 0.967 0.990 1.665
449 1.206 1.499 1.192 1.217 0.620 1.301 0.993 1.012 1.692
450 0.999 1.372 1.053 1.069 0.609 1.287 0.862 0.878 1.834
451 1.078 1.377 1.196 1.299 0.571 1.302 0.947 0.966 1.705
452 0.967 1.283 1.136 1.243 0.552 1.297 0.882 0.897 1.775
453 1.062 1.359 1.095 1.237 0.571 1.275 0.906 0.927 1.758
454 1.019 1.368 1.136 1.212 0.594 1.362 0.993 1.016 1.758
455 1.002 1.382 1.136 1.127 0.695 1.305 0.964 0.985 1.659
456 1.083 1.406 1.232 1.231 0.629 1.395 0.992 1.014 1.917
457 0.983 1.270 1.136 1.121 0.608 1.323 0.934 0.954 1.871
458 1.072 1.460 1.136 1.206 0.621 1.477 1.076 1.097 2.053
459 1.041 1.486 1.163 1.256 0.713 1.364 0.986 1.006 1.821
460 0.965 1.375 1.123 1.035 0.757 1.313 0.918 0.938 1.970
461 1.083 1.415 1.106 1.197 0.584 1.248 1.012 1.029 1.841
462 1.070 1.364 1.136 1.193 0.564 1.400 0.989 1.010 1.967
463 1.065 1.293 1.163 1.167 0.626 1.372 1.065 1.085 1.871
464 1.037 1.416 1.141 1.132 0.598 1.464 1.059 1.081 2.050
465 1.061 1.393 1.176 1.190 0.615 1.404 0.992 1.012 1.980
466 1.080 1.401 1.192 1.229 0.682 1.351 1.022 1.043 1.725
467 1.061 1.402 1.141 1.168 0.627 1.358 1.009 1.030 1.944
468 1.062 1.377 1.181 1.249 0.626 1.421 1.017 1.037 1.987
469 1.026 1.263 1.181 1.132 0.639 1.306 0.987 1.008 1.960
470 0.967 0.867 0.990 0.949 0.440 0.995 0.918 0.931 1.831
471 1.028 1.291 1.072 1.113 0.628 1.412 0.989 1.012 1.785
472 1.037 1.319 1.123 1.079 0.612 1.365 0.919 0.939 1.907
473 1.016 1.376 1.136 1.129 0.593 1.340 0.992 1.015 2.050
474 1.358 1.630 1.479 1.363 0.630 1.711 1.280 1.306 2.053
475 1.011 1.397 1.069 1.199 0.637 1.295 0.967 0.988 1.603
476 1.026 1.421 1.181 1.258 0.622 1.436 1.015 1.036 1.732
478 0.850 1.113 1.045 0.950 0.493 1.128 0.996 1.000 0.907
479 0.976 1.355 1.415 1.296 0.765 1.277 1.076 1.079 1.043
480 1.535 1.676 1.329 1.492 0.784 1.665 1.187 1.213 1.841
481 0.831 1.135 1.027 1.074 0.572 1.097 0.948 0.949 0.831
482 0.799 1.256 1.192 1.161 0.492 1.100 1.192 1.192 0.868
483 0.719 1.368 0.926 0.956 0.665 1.083 0.924 0.923 0.891
484 0.840 1.157 1.077 1.067 0.490 0.864 1.000 1.002 0.669
485 1.074 1.342 1.479 1.522 0.879 1.073 1.140 1.144 0.834
486 0.945 1.576 1.176 1.217 0.899 1.432 1.194 1.197 1.089
487 0.899 1.140 1.337 1.369 0.689 1.299 1.165 1.171 0.987
488 1.090 1.459 1.309 1.358 0.694 1.052 1.285 1.290 0.768
489 0.888 1.119 1.296 1.335 0.778 1.265 1.106 1.106 1.079
490 1.497 1.748 1.571 1.744 0.733 1.699 1.166 1.195 1.679
491 0.746 1.080 1.223 1.216 0.674 1.029 0.996 0.998 0.868
492 1.066 1.358 1.361 1.285 0.685 1.322 1.194 1.197 1.126
493 1.098 1.324 1.373 1.394 0.833 1.430 1.227 1.229 1.145
494 0.997 1.064 1.296 1.316 0.717 1.196 1.117 1.119 1.010
495 0.987 1.143 1.442 1.452 0.876 1.400 1.109 1.110 0.996
496 1.156 1.345 1.282 1.327 0.836 1.557 1.175 1.178 1.083
497 0.939 1.301 1.442 1.419 0.796 1.349 1.096 1.101 1.162
498 0.847 1.239 1.245 1.188 0.617 1.178 1.174 1.177 1.209
499 0.906 1.025 1.378 1.373 0.621 1.130 1.111 1.112 0.781
500 0.739 1.461 1.064 1.066 0.525 1.143 1.052 1.056 0.808
Base Rates

501 0.967 1.433 0.740 0.770 0.728 1.038 0.625 0.625 0.825
502 0.936 1.378 0.830 0.804 0.749 0.851 0.673 0.674 0.652
503 1.068 1.394 1.263 1.103 0.746 1.140 1.087 1.092 1.026
504 0.985 1.312 0.761 0.789 0.732 0.966 0.652 0.655 0.795
505 0.624 1.079 0.966 0.793 0.697 0.908 0.787 0.790 0.712
506 0.816 1.086 1.205 1.179 0.644 1.307 1.064 1.067 0.974
507 1.029 1.470 1.361 1.264 0.865 1.166 1.068 1.073 0.974
508 0.958 1.389 0.736 0.926 0.628 1.016 0.575 0.575 0.927
509 0.711 1.460 1.324 1.174 0.436 1.077 1.028 1.032 0.877
511 0.982 1.115 1.361 1.248 0.652 1.101 1.165 1.171 0.917
512 0.745 1.334 1.018 0.947 0.546 1.123 0.849 0.853 0.742
513 0.672 1.277 0.986 1.009 0.493 0.994 0.989 0.992 0.825
514 0.989 1.317 0.740 1.034 0.465 1.038 0.686 0.686 0.844
515 0.733 1.011 1.141 1.158 0.510 1.013 1.035 1.039 0.891
516 1.068 1.270 1.268 1.262 0.871 1.296 1.165 1.171 1.099
517 0.724 0.992 1.151 1.201 0.678 1.105 1.051 1.055 0.881
518 0.675 1.269 1.263 1.267 0.896 1.275 1.035 1.038 1.023
519 0.669 1.081 1.155 1.241 0.489 1.137 1.006 1.008 0.980
520 0.812 1.323 0.931 0.945 0.530 1.042 0.781 0.795 1.404
521 0.886 1.121 1.612 1.681 0.849 1.084 1.221 1.226 0.752
522 0.998 1.337 1.534 1.596 0.621 1.568 1.308 1.317 1.136
523 0.946 1.372 1.268 1.288 0.834 1.292 1.205 1.207 1.043
524 0.887 1.098 1.378 1.334 0.802 1.337 1.253 1.258 1.023
525 0.801 1.235 1.309 1.283 0.645 1.126 1.225 1.229 0.954
526 0.914 1.396 0.521 0.535 0.674 0.909 0.549 0.551 0.944
527 0.810 1.297 1.099 1.165 0.771 1.302 1.021 1.023 1.026
528 0.728 1.292 1.090 1.029 0.517 1.073 1.002 1.004 0.871
529 0.608 0.861 1.123 1.159 0.474 0.909 0.956 0.956 0.778
530 0.867 1.024 0.913 0.925 0.525 1.026 0.864 0.880 1.881
531 0.682 1.283 1.099 1.167 0.520 0.913 1.019 1.021 0.722
532 0.637 0.939 1.181 1.162 0.510 0.909 1.054 1.056 0.752
533 0.523 1.071 1.018 0.997 0.404 1.040 0.974 0.976 1.023
534 0.685 1.208 0.817 1.099 0.766 0.878 0.775 0.777 0.722
536 0.836 1.324 0.963 0.892 0.555 1.084 0.898 0.917 1.596
537 0.902 1.430 0.885 0.855 0.508 1.120 0.833 0.850 1.586
538 0.711 1.404 0.867 0.930 0.542 1.056 0.788 0.803 1.659
539 0.710 1.355 0.931 0.797 0.468 0.960 0.762 0.779 1.629
540 1.504 1.626 1.438 1.220 0.841 1.522 1.127 1.150 1.619
541 0.831 1.560 1.037 0.844 0.562 1.208 0.821 0.837 1.758
543 0.809 1.422 0.885 0.799 0.499 1.183 0.836 0.854 1.692
544 0.819 1.317 0.896 0.884 0.502 1.041 0.827 0.842 1.464
545 0.826 1.398 1.037 0.963 0.495 1.016 0.869 0.890 2.060
546 0.917 1.525 1.027 0.953 0.549 1.233 0.927 0.944 1.692
547 0.824 1.482 0.934 0.907 0.558 1.098 0.844 0.860 1.904
548 0.749 1.322 0.899 0.845 0.595 1.016 0.834 0.852 1.685
549 0.818 1.333 0.950 0.927 0.581 1.104 0.844 0.860 1.665
550 1.502 1.373 1.497 1.362 0.781 1.333 1.178 1.202 1.321
551 0.808 1.414 0.966 0.855 0.497 0.976 0.808 0.823 1.559
552 0.847 1.505 0.934 0.855 0.503 1.108 0.842 0.860 1.500
553 0.801 1.348 0.899 0.881 0.495 1.021 0.853 0.868 1.583
554 0.818 1.361 0.909 0.946 0.496 0.969 0.851 0.867 1.430
555 0.778 1.435 0.880 0.868 0.461 0.998 0.846 0.864 1.656
556 0.799 1.593 0.921 0.898 0.552 1.039 0.840 0.858 1.513
Base Rates

557 0.971 1.543 0.963 0.908 0.543 1.205 0.895 0.911 1.665
558 0.862 1.417 0.986 1.006 0.507 1.011 0.961 0.982 1.705
559 0.968 1.496 1.053 0.987 0.514 1.182 1.000 1.023 1.762
560 1.483 1.517 1.402 1.316 1.599 1.396 1.254 1.276 1.887
561 0.821 1.398 0.885 0.827 0.492 1.083 0.844 0.858 1.748
562 0.913 1.406 1.027 0.953 0.499 1.154 0.987 1.010 1.788
563 0.822 1.377 0.934 0.891 0.490 0.994 0.839 0.854 1.649
564 0.877 1.534 0.941 1.009 0.470 1.173 0.961 0.979 2.172
565 0.797 1.346 0.904 0.809 0.434 0.980 0.860 0.876 1.656
566 0.951 1.624 0.934 0.903 0.573 1.316 0.921 0.943 1.960
567 0.817 1.415 0.909 0.967 0.587 1.061 0.862 0.880 1.917
568 0.801 1.324 1.000 0.930 0.512 0.991 0.859 0.877 1.778
569 0.979 1.524 0.971 0.977 0.561 1.078 0.927 0.945 1.566
571 0.878 1.472 0.954 0.876 0.477 0.999 0.892 0.908 1.559
572 0.864 1.574 0.954 0.913 0.455 1.112 0.914 0.931 1.762
573 0.798 1.541 1.050 0.999 0.461 1.019 0.927 0.949 1.679
574 1.027 1.695 1.163 1.122 0.440 1.104 1.076 1.094 1.897
575 0.860 1.457 0.976 0.903 0.525 1.135 0.964 0.980 1.613
576 0.942 1.498 0.966 0.885 0.563 1.152 0.940 0.961 1.583
577 0.815 1.483 1.000 0.964 0.453 0.974 0.906 0.927 1.705
578 0.875 1.549 1.053 1.129 0.546 1.162 0.979 1.000 1.546
579 0.863 1.434 0.946 0.923 0.652 1.174 0.951 0.972 1.702
580 1.254 1.033 1.309 1.276 1.264 1.254 1.185 1.211 1.632
581 0.881 1.317 1.032 1.014 0.483 1.171 0.915 0.935 1.768
582 0.845 1.372 1.003 0.953 0.492 1.039 0.932 0.953 1.712
583 0.801 1.369 0.931 0.888 0.492 1.053 0.873 0.891 1.586
584 0.876 1.489 0.926 0.903 0.508 1.035 1.000 1.023 1.987
585 0.875 1.398 0.931 0.839 0.479 1.091 0.953 0.975 1.741
586 1.023 1.549 1.072 0.987 0.493 1.042 1.065 1.091 1.669
587 0.872 1.499 0.990 0.828 0.490 1.022 0.953 0.974 1.798
588 0.966 1.456 0.995 0.872 0.484 1.071 0.918 0.938 1.348
589 0.843 1.435 0.899 0.777 0.470 1.034 0.851 0.870 2.155
590 0.873 1.214 1.072 0.880 1.192 1.071 0.927 0.946 1.639
591 0.853 1.702 0.976 0.974 0.498 1.209 0.829 0.844 1.665
592 0.783 1.404 0.946 0.926 0.582 1.017 0.853 0.869 1.738
593 0.797 1.428 0.921 0.863 0.548 1.147 0.860 0.877 1.675
594 0.868 1.430 0.966 1.028 0.522 1.106 0.964 0.984 1.722
595 0.864 1.423 1.008 0.949 0.592 1.093 0.914 0.935 1.967
596 0.867 1.467 0.904 0.846 0.496 1.090 0.958 0.977 2.053
597 0.808 1.304 0.950 0.907 0.529 0.995 0.840 0.856 1.629
599 1.851 1.491 1.934 1.365 1.575 1.465 1.286 1.314 1.669
600 0.878 1.327 0.885 0.938 0.874 1.212 0.967 0.986 1.291
610 0.884 1.060 0.995 0.867 1.259 1.142 0.906 0.922 1.318
620 0.764 1.118 1.045 0.847 1.445 1.174 0.892 0.907 1.245
660 0.820 1.146 0.654 0.685 0.338 0.982 0.549 0.562 1.093
710 1.074 1.232 0.971 1.027 0.676 1.319 0.980 0.996 1.834
711 1.138 1.409 1.018 1.171 0.719 1.428 1.046 1.065 1.831
712 0.984 1.235 0.934 0.998 0.547 1.372 0.876 0.892 2.132
713 0.818 1.233 0.913 0.832 0.653 1.195 0.866 0.884 1.814
714 0.884 1.094 0.976 0.873 0.650 1.149 0.948 0.969 1.702
715 1.039 1.231 0.982 1.015 0.802 1.357 0.995 1.014 1.798
720 0.844 1.247 0.982 0.875 0.657 1.141 0.755 0.771 1.583
721 0.830 1.150 1.013 0.888 0.724 1.132 0.817 0.834 1.464
Base Rates

722 0.867 1.191 0.958 0.889 0.683 1.242 0.855 0.872 1.639
723 0.839 1.189 0.971 0.875 0.618 1.164 0.798 0.814 1.457
724 0.846 1.228 1.077 0.966 0.614 1.267 0.869 0.888 1.606
725 0.967 1.204 1.022 0.952 0.618 1.293 0.881 0.898 1.629
726 0.831 1.183 0.971 0.948 0.617 1.238 0.847 0.864 1.583
727 0.883 1.173 1.013 0.939 0.619 1.153 0.879 0.898 1.785
728 0.772 1.086 0.941 0.826 0.586 1.077 0.778 0.792 1.861
729 0.738 0.896 0.926 0.862 0.677 1.068 0.801 0.817 1.785
730 0.930 1.051 0.921 1.005 0.676 1.381 0.914 0.933 2.261
731 1.067 1.090 1.027 1.134 0.733 1.300 0.940 0.959 2.126
732 1.035 1.233 1.109 1.157 0.700 1.426 1.035 1.057 1.914
733 1.062 1.236 1.168 1.147 0.646 1.441 1.022 1.045 2.182
734 0.917 1.052 0.896 0.965 0.647 1.209 0.947 0.966 1.977
737 0.785 1.239 1.045 0.924 0.699 1.204 0.847 0.864 1.606
740 0.914 1.089 0.867 0.822 0.756 1.091 0.966 0.982 2.000
741 0.913 1.213 0.867 0.822 0.761 1.203 1.019 1.038 2.192
742 0.859 1.243 0.880 0.760 0.688 1.088 0.908 0.925 2.013
743 0.953 1.185 0.867 0.818 0.698 1.272 1.026 1.046 2.334
744 0.984 1.254 0.971 0.882 0.678 1.236 1.034 1.054 2.079
745 1.008 1.161 0.899 0.872 0.657 1.195 1.009 1.029 2.036
746 0.802 1.080 0.921 0.692 0.526 1.043 0.911 0.929 1.775
747 0.865 1.138 0.840 0.776 0.605 1.055 0.938 0.955 1.924
748 0.875 1.073 0.859 0.807 0.674 0.987 0.889 0.907 1.814
749 0.878 1.282 0.867 0.802 0.665 1.248 0.989 1.008 2.337
750 0.884 1.249 0.971 0.930 1.296 1.189 0.971 0.990 0.825
751 0.847 1.249 0.958 0.918 1.296 1.189 0.944 0.963 0.825
752 0.836 1.276 0.950 0.942 1.311 1.214 0.971 0.990 0.825
753 0.753 1.251 0.958 0.890 1.311 1.212 0.840 0.856 0.825
754 0.778 1.071 0.982 0.846 0.973 1.071 0.872 0.890 0.871
755 0.711 1.249 0.958 0.918 1.298 1.190 0.758 0.773 0.825
756 0.740 1.282 0.958 0.940 1.323 1.222 0.805 0.823 0.825
757 0.767 1.273 0.971 0.939 1.331 1.221 0.853 0.872 0.825
758 0.763 1.164 0.950 0.829 0.955 1.033 0.851 0.869 0.841
759 0.768 1.041 0.950 0.807 1.107 0.991 0.829 0.846 0.825
761 0.837 1.209 1.000 0.986 0.735 1.250 0.847 0.864 1.596
764 0.939 1.128 0.885 0.838 0.647 1.193 0.956 0.976 2.142
765 0.774 0.947 0.877 0.832 0.588 1.195 0.921 0.939 2.017
777 1.318 1.664 1.332 1.382 0.744 1.414 0.596 0.599 0.596
Crestbrook Insurance Company Tesla Insurance Compan

BELL 76544 1
BELL 76511 2
BELL 76534 3
BELL 76554 3
BELL 76519 4
BELL 76524 5
BELL 76548 5
BELL 76559 5
BELL 76564 5
BELL 76569 5
BELL 76579 5
BELL 76528 6
BELL 76502 7
BELL 76513 7
BELL 76501 8
BELL 76505 8
BELL 76533 8
BELL 76540 8
BELL 76541 8
BELL 76547 8
BELL 76539 9
BELL 76542 9
BELL 76504 11
BELL 76543 11
BELL 76549 11
BELL 76537 12
BELL 76571 12
BELL 76557 14
BELL 78608 15
BELL 76527 16
BEXAR 78015 18
BEXAR 78052 20
BEXAR 78230 24
BEXAR 78239 24
BEXAR 78249 24
BEXAR 78219 25
BEXAR 78217 26
BEXAR 78284 26
BEXAR 78285 26
BEXAR 78231 27
BEXAR 78209 28
BEXAR 78213 29
BEXAR 78220 31
BEXAR 78247 31
BEXAR 78238 34
BEXAR 78251 35
BEXAR 78154 36
BEXAR 78210 37
BEXAR 78254 38
BEXAR 78226 39
BEXAR 78211 44
BEXAR 78223 44
BEXAR 78235 44
BEXAR 78264 45

BEXAR 78228 46
BEXAR 78121 47
BEXAR 78002 48
BEXAR 78054 48
BEXAR 78108 49
BEXAR 78124 51
BEXAR 78155 51
BEXAR 78069 52
BEXAR 78229 53
BEXAR 78212 54
BEXAR 78233 54
BEXAR 78280 54
BEXAR 78218 55
BEXAR 78201 56
BEXAR 78216 57
BEXAR 78240 58
BEXAR 78234 59
BEXAR 78207 61
BEXAR 78250 62
BEXAR 78221 63
BEXAR 78248 63
BEXAR 78236 64
BEXAR 78243 64
BEXAR 78222 65
BEXAR 78101 66
BEXAR 78204 67
BEXAR 78283 67
BEXAR 78203 68
BEXAR 78023 69
BEXAR 78263 72
BEXAR 78259 73
BEXAR 78148 74
BEXAR 78244 75
BEXAR 78253 75
BEXAR 78112 76
BEXAR 78214 77
BEXAR 78152 78
BEXAR 78232 79
BEXAR 78208 80
BEXAR 78252 81
BEXAR 78261 82
BEXAR 78009 83
BEXAR 78039 84
BEXAR 78266 85
BEXAR 78202 86
BEXAR 78215 87
BEXAR 78224 88
BEXAR 78109 89
BEXAR 78225 90
BEXAR 78242 91
BEXAR 78245 92
BEXAR 78256 93
BEXAR 78255 94
BEXAR 78227 95
BEXAR 78205 96
BEXAR 78206 96
BEXAR 78291 96
BEXAR 78292 96
BEXAR 78293 96
BEXAR 78294 96
BEXAR 78295 96
BEXAR 78296 96
BEXAR 78297 96
BEXAR 78298 96
BEXAR 78299 96
BEXAR 78006 97
BEXAR 78258 98

BEXAR 78150 99
BEXAR 78073 100
BEXAR 78257 100
BEXAR 78163 101
BEXAR 78260 101
BEXAR 78237 102
CALLAHAN 79601 110
CALLAHAN 76437 754
CALLAHAN 76443 754
CALLAHAN 76464 754
CALLAHAN 76469 754
CALLAHAN 79504 754
CALLAHAN 79510 754
CALLAHAN 79602 754
COLLIN 75023 105
COLLIN 75075 105
COLLIN 75094 105
COLLIN 75287 105
COLLIN 75002 106
COLLIN 75074 106
COLLIN 75086 106
COLLIN 75252 106
COLLIN 75048 107
COLLIN 75248 108
COLLIN 75080 109
COLLIN 75087 113
COLLIN 75033 114
COLLIN 75034 114
COLLIN 75013 116
COLLIN 75024 116
COLLIN 75098 116
COLLIN 75025 117
COLLIN 75121 117
COLLIN 75164 117
COLLIN 75166 117
COLLIN 75173 117
COLLIN 75442 117
COLLIN 75035 118
COLLIN 75093 119
COLLIN 75009 121
COLLIN 75058 121

COLLIN 75069 121
COLLIN 75070 121
COLLIN 75071 121
COLLIN 75078 121
COLLIN 75097 121
COLLIN 75409 121
COLLIN 75454 121
COLLIN 75485 121
COLLIN 76258 121
COLLIN 75424 122
COLLIN 75044 123
COLLIN 75082 124
COLLIN 75407 125
COLLIN 75189 127
COLLIN 75452 128
COLLIN 75491 129
COLLIN 75495 129
DALLAS 75007 132
DALLAS 75252 134
DALLAS 75137 135
DALLAS 75138 135
DALLAS 75043 136
DALLAS 75049 136
DALLAS 75014 137
DALLAS 75016 137
DALLAS 75062 137
DALLAS 75204 138
DALLAS 75253 139
DALLAS 75336 139
DALLAS 75050 141
DALLAS 76155 141
DALLAS 75150 142
DALLAS 75231 143
DALLAS 75104 144
DALLAS 75106 144
DALLAS 75249 145
DALLAS 75115 146
DALLAS 75123 146
DALLAS 75220 146
DALLAS 75354 146
DALLAS 75215 147
DALLAS 75315 147
DALLAS 75210 148
DALLAS 75226 148
DALLAS 75030 149
DALLAS 75088 149
DALLAS 75234 150
DALLAS 75206 151
DALLAS 75221 151
DALLAS 75360 151
DALLAS 75372 151
DALLAS 75048 152
DALLAS 75038 153
DALLAS 75180 154

DALLAS 75202 155
DALLAS 75207 155
DALLAS 75242 155
DALLAS 75246 155
DALLAS 75250 155
DALLAS 75270 155
DALLAS 75371 155
DALLAS 75125 156
DALLAS 75141 157
DALLAS 75172 157
DALLAS 75154 158
DALLAS 75214 159
DALLAS 75243 159
DALLAS 75359 159
DALLAS 75254 161
DALLAS 75201 162
DALLAS 75313 162
DALLAS 75248 163
DALLAS 75080 164
DALLAS 75251 165
DALLAS 75244 166
DALLAS 75247 167
DALLAS 75261 168
DALLAS 75159 169
DALLAS 75146 170
DALLAS 75089 171
DALLAS 75067 172
DALLAS 75019 173
DALLAS 75063 173
DALLAS 75039 174
DALLAS 75209 175
DALLAS 76065 176
DALLAS 76051 177
DALLAS 75054 178
DALLAS 75001 180
DALLAS 75229 181
DALLAS 75378 181
DALLAS 75205 182
DALLAS 75182 183
DALLAS 75098 184
DALLAS 75041 185
DALLAS 75047 185
DALLAS 75134 185
DALLAS 75236 186
DALLAS 75228 187
DALLAS 75357 187
DALLAS 75052 188
DALLAS 75232 189
DALLAS 75211 190
DALLAS 75217 190
DALLAS 75233 190
DALLAS 75398 190
DALLAS 75241 191
DALLAS 75203 192
DALLAS 75208 192
DALLAS 75216 192
DALLAS 75224 192
DALLAS 75227 192
DALLAS 75260 192
DALLAS 75339 192
DALLAS 75376 192
DALLAS 75017 193
DALLAS 75060 193
DALLAS 75040 194
DALLAS 75044 195
DALLAS 75045 195
DALLAS 75051 196

DALLAS 75053 196
DALLAS 75042 197
DALLAS 75149 197
DALLAS 75185 197
DALLAS 75187 197
DALLAS 75238 198
DALLAS 75240 198
DALLAS 75355 198
DALLAS 75380 198
DALLAS 75219 199
DALLAS 75225 201
DALLAS 75237 202
DALLAS 75223 203
DALLAS 75081 204
DALLAS 75085 204
DALLAS 75230 204
DALLAS 75367 204
DALLAS 75006 205
DALLAS 75011 205
DALLAS 75082 206
DALLAS 75181 207
DALLAS 75015 208
DALLAS 75061 208
DALLAS 75116 208
DALLAS 75212 208
DALLAS 75218 208
DALLAS 75342 208
DALLAS 75235 209
DALLAS 75287 214
DENTON 75010 212
DENTON 75006 213
DENTON 75007 213
DENTON 75287 214
DENTON 76234 215
DENTON 76078 216
DENTON 76247 216
DENTON 76266 216
DENTON 75028 217
DENTON 76249 217
DENTON 75027 218
DENTON 75065 218
DENTON 75067 218
DENTON 75019 219
DENTON 76258 221
DENTON 76201 222
DENTON 76202 222
DENTON 76203 222
DENTON 76204 222
DENTON 76206 222
DENTON 76208 222
DENTON 76209 222
DENTON 76210 222
DENTON 76092 223
DENTON 75033 224
DENTON 75034 224
DENTON 75056 225
DENTON 75057 225
DENTON 75024 226
DENTON 75093 227
DENTON 75009 228
DENTON 75078 228
DENTON 76052 229
DENTON 76177 229

DENTON 76272 232
DENTON 76226 234
DENTON 76262 235
DENTON 76205 236
DENTON 76259 237
DENTON 75077 238
DENTON 75022 239
DENTON 76227 239
DENTON 75068 241
DENTON 76207 242
EL PASO 79821 244
EL PASO 79836 244
EL PASO 79838 244
EL PASO 79853 244
EL PASO 79927 244
EL PASO 79929 244
EL PASO 79904 245
EL PASO 79907 245
EL PASO 79908 245
EL PASO 79911 245
EL PASO 79912 245
EL PASO 79913 245
EL PASO 79914 245
EL PASO 79917 245
EL PASO 79922 245
EL PASO 79924 245
EL PASO 79903 246
EL PASO 79906 246
EL PASO 79923 246
EL PASO 79935 246
EL PASO 79936 246
EL PASO 79996 246
EL PASO 79918 247
EL PASO 79902 248
EL PASO 79932 248
EL PASO 79938 249
EL PASO 79835 250
EL PASO 79934 250
EL PASO 79901 251
EL PASO 79905 251
EL PASO 79910 251
EL PASO 79940 251
EL PASO 79941 251
EL PASO 79942 251
EL PASO 79943 251
EL PASO 79944 251
EL PASO 79945 251
EL PASO 79946 251
EL PASO 79947 251
EL PASO 79948 251
EL PASO 79949 251
EL PASO 79950 251
EL PASO 79951 251
EL PASO 79952 251
EL PASO 79953 251
EL PASO 79954 251
EL PASO 79955 251
EL PASO 79995 251
EL PASO 79997 251
EL PASO 88595 251

EL PASO 79920 252
EL PASO 79925 252
EL PASO 79930 252
EL PASO 79931 252
EL PASO 79968 253
EL PASO 79915 254
EL PASO 79916 254
EL PASO 79926 254
EL PASO 79849 255
EL PASO 79928 255
FORT BEND 77435 257
FORT BEND 77420 258
FORT BEND 77474 259
FORT BEND 77476 259
FORT BEND 77485 259
FORT BEND 77031 260
FORT BEND 77459 261
FORT BEND 77478 262
FORT BEND 77498 262
FORT BEND 77477 263
FORT BEND 77497 263
FORT BEND 77493 264
FORT BEND 77545 265
FORT BEND 77584 265
FORT BEND 77450 266
FORT BEND 77430 267
FORT BEND 77085 268
FORT BEND 77082 269
FORT BEND 77083 271
FORT BEND 77099 272
FORT BEND 77053 273
FORT BEND 77494 274
FORT BEND 77464 275
FORT BEND 77471 275
FORT BEND 77441 276
FORT BEND 77406 277
FORT BEND 77407 277
FORT BEND 77469 277
FORT BEND 77481 277
FORT BEND 77423 278
FORT BEND 77583 279
FORT BEND 77479 281
FORT BEND 77496 281
FORT BEND 77417 282
FORT BEND 77451 282
FORT BEND 77489 283
FORT BEND 77444 284
FORT BEND 77461 284

HARRIS 77056 286
HARRIS 77001 287
HARRIS 77002 287
HARRIS 77201 287
HARRIS 77208 287
HARRIS 77252 287
HARRIS 77253 287
HARRIS 77270 287
HARRIS 77505 288
HARRIS 77508 288
HARRIS 77010 289
HARRIS 77030 290
HARRIS 77532 291
HARRIS 77005 292
HARRIS 77265 292
HARRIS 77031 293
HARRIS 77043 294
HARRIS 77024 295
HARRIS 77389 296
HARRIS 77042 297
HARRIS 77346 298
HARRIS 77098 299
HARRIS 77019 300
HARRIS 77219 300
HARRIS 77546 301
HARRIS 77410 302
HARRIS 77429 302
HARRIS 77477 303
HARRIS 77034 304
HARRIS 77059 305
HARRIS 77013 306
HARRIS 77213 306
HARRIS 77229 306
HARRIS 77025 307
HARRIS 77225 307
HARRIS 77012 308
HARRIS 77262 308
HARRIS 77032 309
HARRIS 77315 309
HARRIS 77396 311
HARRIS 77054 312
HARRIS 77230 312
HARRIS 77254 312
HARRIS 77095 313
HARRIS 77379 313
HARRIS 77383 313
HARRIS 77391 313
HARRIS 77598 313
HARRIS 77503 314
HARRIS 77375 315
HARRIS 77027 316
HARRIS 77227 316
HARRIS 77256 316
HARRIS 77277 316
HARRIS 77325 316
HARRIS 77339 316
HARRIS 77345 316

HARRIS 77401 316
HARRIS 77413 316
HARRIS 77491 316
HARRIS 77492 316
HARRIS 77493 316
HARRIS 77373 317
HARRIS 77507 318
HARRIS 77061 319
HARRIS 77207 319
HARRIS 77089 321
HARRIS 77245 321
HARRIS 77049 322
HARRIS 77041 323
HARRIS 77536 323
HARRIS 77571 323
HARRIS 77572 323
HARRIS 77046 324
HARRIS 77062 325
HARRIS 77258 325
HARRIS 77259 325
HARRIS 77289 325
HARRIS 77094 326
HARRIS 77218 326
HARRIS 77562 327
HARRIS 77447 328
HARRIS 77057 329
HARRIS 77079 329
HARRIS 77257 329
HARRIS 77279 329
HARRIS 77433 330
HARRIS 77006 331
HARRIS 77266 331
HARRIS 77077 332
HARRIS 77242 332
HARRIS 77244 332
HARRIS 77547 333
HARRIS 77073 334
HARRIS 77015 335
HARRIS 77029 336
HARRIS 77050 336
HARRIS 77530 336
HARRIS 77336 337
HARRIS 77521 338
HARRIS 77522 338
HARRIS 77365 339
HARRIS 77096 341
HARRIS 77018 342
HARRIS 77206 342
HARRIS 77003 343
HARRIS 77023 344
HARRIS 77223 344
HARRIS 77090 345
HARRIS 77273 345
HARRIS 77066 346
HARRIS 77074 347
HARRIS 77274 347
HARRIS 77064 348
HARRIS 77014 349
HARRIS 77268 349
HARRIS 77290 349
HARRIS 77084 350
HARRIS 77284 350
HARRIS 77004 351
HARRIS 77288 351
HARRIS 77450 352
HARRIS 77081 353
HARRIS 77581 354

HARRIS 77008 355
HARRIS 77248 355
HARRIS 77338 356
HARRIS 77347 356
HARRIS 77051 357
HARRIS 77233 357
HARRIS 77080 358
HARRIS 77280 358
HARRIS 77502 359
HARRIS 77067 360
HARRIS 77047 361
HARRIS 77016 362
HARRIS 77017 362
HARRIS 77037 362
HARRIS 77048 362
HARRIS 77092 362
HARRIS 77217 362
HARRIS 77261 362
HARRIS 77287 362
HARRIS 77021 363
HARRIS 77221 363
HARRIS 77076 364
HARRIS 77093 364
HARRIS 77020 365
HARRIS 77220 365
HARRIS 77022 366
HARRIS 77222 366
HARRIS 77026 367
HARRIS 77226 367
HARRIS 77007 368
HARRIS 77065 369
HARRIS 77504 369
HARRIS 77075 371
HARRIS 77275 371
HARRIS 77501 372
HARRIS 77506 372
HARRIS 77009 373
HARRIS 77249 373
HARRIS 77063 374
HARRIS 77044 375
HARRIS 77060 376
HARRIS 77520 377
HARRIS 77523 377
HARRIS 77068 378
HARRIS 77070 379
HARRIS 77388 381
HARRIS 77085 382
HARRIS 77086 383
HARRIS 77091 384
HARRIS 77291 384
HARRIS 77293 384
HARRIS 77035 385
HARRIS 77038 385
HARRIS 77055 385
HARRIS 77088 385
HARRIS 77231 385
HARRIS 77235 385
HARRIS 77238 385
HARRIS 77243 385
HARRIS 77255 385
HARRIS 77082 386
HARRIS 77083 387
HARRIS 77587 388
HARRIS 77045 389
HARRIS 77028 391
HARRIS 77078 391
HARRIS 77228 391

HARRIS 77033 392
HARRIS 77071 393
HARRIS 77263 393
HARRIS 77271 393
HARRIS 77011 394
HARRIS 77036 395
HARRIS 77236 395
HARRIS 77237 395
HARRIS 77058 396
HARRIS 77072 397
HARRIS 77272 397
HARRIS 77099 398
HARRIS 77411 398
HARRIS 77087 399
HARRIS 77053 401
HARRIS 77494 402
HARRIS 77357 404
HARRIS 77484 406
HARRIS 77449 407
HARRIS 77039 408
HARRIS 77040 408
HARRIS 77240 408
HARRIS 77241 408
HARRIS 77489 411
HARRIS 77377 412
HARRIS 77069 413
HARRIS 77586 414
HIDALGO 78504 416
HIDALGO 78577 416
HIDALGO 78539 417
HIDALGO 78540 417
HIDALGO 78541 417
HIDALGO 78542 417
HIDALGO 78558 417
HIDALGO 78589 417
HIDALGO 78501 418
HIDALGO 78503 418
HIDALGO 78505 418
HIDALGO 78557 418
HIDALGO 78516 419
HIDALGO 78537 419
HIDALGO 78538 419
HIDALGO 78543 419
HIDALGO 78549 419
HIDALGO 78552 419
HIDALGO 78560 419
HIDALGO 78562 419
HIDALGO 78563 419
HIDALGO 78565 419
HIDALGO 78570 419
HIDALGO 78572 419
HIDALGO 78573 419
HIDALGO 78574 419
HIDALGO 78576 419
HIDALGO 78579 419
HIDALGO 78580 419
HIDALGO 78595 419
HIDALGO 78596 419
HIDALGO 78599 419

JONES 79601 110
JONES 79501 758
JONES 79503 758
JONES 79520 758
JONES 79525 758
JONES 79533 758
JONES 79536 758
JONES 79553 758
JONES 79560 758
LUBBOCK 79401 424
LUBBOCK 79402 424
LUBBOCK 79407 424
LUBBOCK 79413 424
LUBBOCK 79415 424
LUBBOCK 79416 424
LUBBOCK 79423 424
LUBBOCK 79490 424
LUBBOCK 79499 424
LUBBOCK 79311 425
LUBBOCK 79329 426
LUBBOCK 79363 426
LUBBOCK 79364 426
LUBBOCK 79366 426
LUBBOCK 79382 426
LUBBOCK 79406 427
LUBBOCK 79409 427
LUBBOCK 79411 427

LUBBOCK 79412 427
LUBBOCK 79414 427
LUBBOCK 79452 427
LUBBOCK 79410 428
LUBBOCK 79350 429
LUBBOCK 79403 429
LUBBOCK 79404 429
LUBBOCK 79358 431
LUBBOCK 79424 431
LUBBOCK 79464 431
MCLENNAN 76689 433
MCLENNAN 76655 434
MCLENNAN 76706 435
MCLENNAN 76798 435
MCLENNAN 76624 436
MCLENNAN 76630 436
MCLENNAN 76633 436
MCLENNAN 76634 436
MCLENNAN 76638 436
MCLENNAN 76640 436
MCLENNAN 76654 436
MCLENNAN 76657 436
MCLENNAN 76561 437
MCLENNAN 76664 438
MCLENNAN 76682 438
MCLENNAN 76684 438
MCLENNAN 76691 438
MCLENNAN 76701 439
MCLENNAN 76704 439
MCLENNAN 76715 439
MCLENNAN 76622 441
MCLENNAN 76643 441
MCLENNAN 76705 441
MCLENNAN 76707 441
MCLENNAN 76557 442
MCLENNAN 76711 443
MCLENNAN 76712 443
MCLENNAN 76716 443
MCLENNAN 76708 444
MCLENNAN 76710 444
MCLENNAN 76524 445

NUECES 78330 70
NUECES 78336 70
NUECES 78339 70
NUECES 78343 70
NUECES 78351 70
NUECES 78362 70
NUECES 78363 70
NUECES 78370 70
NUECES 78380 70
NUECES 78383 70
NUECES 78390 70
NUECES 78406 70
NUECES 78407 70
NUECES 78409 70
NUECES 78410 70
NUECES 78417 70
NUECES 78426 70
NUECES 78460 70
NUECES 78347 71
NUECES 78373 71
NUECES 78401 71
NUECES 78402 71
NUECES 78404 71
NUECES 78405 71
NUECES 78408 71
NUECES 78411 71
NUECES 78412 71
NUECES 78413 71
NUECES 78414 71
NUECES 78415 71
NUECES 78416 71
NUECES 78418 71
NUECES 78419 71
NUECES 78427 71
NUECES 78463 71
NUECES 78465 71
NUECES 78467 71
NUECES 78468 71

NUECES 78472 71
NUECES 78480 71
TARRANT 76008 478
TARRANT 75062 479
TARRANT 76002 481
TARRANT 76040 481
TARRANT 76133 481
TARRANT 76162 481
TARRANT 76163 481
TARRANT 76005 482
TARRANT 76006 482
TARRANT 76120 482
TARRANT 76155 482
TARRANT 76012 483
TARRANT 76016 483
TARRANT 76017 483
TARRANT 76107 483
TARRANT 76123 484
TARRANT 75050 485
TARRANT 76114 486
TARRANT 76011 487
TARRANT 76111 487

TARRANT 76116 488
TARRANT 76134 488
TARRANT 76013 489
TARRANT 76022 489
TARRANT 76053 491
TARRANT 76115 492
TARRANT 76104 493
TARRANT 76110 494
TARRANT 76105 495
TARRANT 76119 495
TARRANT 76106 496
TARRANT 76161 496
TARRANT 76164 496
TARRANT 76122 497
TARRANT 75261 498
TARRANT 76101 499
TARRANT 76102 499
TARRANT 76113 499
TARRANT 76117 500
TARRANT 76039 501
TARRANT 76148 501
TARRANT 76109 502
TARRANT 76129 503
TARRANT 76060 504
TARRANT 76137 504
TARRANT 76180 505
TARRANT 76181 505
TARRANT 76182 505
TARRANT 76071 506
TARRANT 76136 506
TARRANT 76179 506
TARRANT 76019 507
TARRANT 75022 508
TARRANT 75028 508
TARRANT 76051 508
TARRANT 76092 508
TARRANT 76063 509
TARRANT 76112 511
TARRANT 76124 511
TARRANT 76132 512
TARRANT 76021 513
TARRANT 76054 513
TARRANT 76108 514
TARRANT 76126 515
TARRANT 76103 516
TARRANT 76135 517
TARRANT 76131 518
TARRANT 76028 519
TARRANT 75052 521
TARRANT 75054 521
TARRANT 75051 522
TARRANT 76018 523
TARRANT 76096 523
TARRANT 76007 524
TARRANT 76010 524
TARRANT 76014 524
TARRANT 76118 524
TARRANT 76015 525
TARRANT 76034 526
TARRANT 76020 527
TARRANT 76001 528
TARRANT 76248 529
TARRANT 76036 531
TARRANT 76052 532
TARRANT 76177 532
TARRANT 76262 533
TARRANT 76127 534

TARRANT 76140 534
TAYLOR 79563 110
TAYLOR 79601 110
TAYLOR 79602 110
TAYLOR 79603 110
TAYLOR 79605 110
TAYLOR 79606 110
TAYLOR 79607 110
TAYLOR 79697 110
TAYLOR 79698 110
TAYLOR 79699 110
TAYLOR 79508 111
TAYLOR 79519 111
TAYLOR 79530 111
TAYLOR 79536 111
TAYLOR 79541 111
TAYLOR 79561 111
TAYLOR 79562 111
TAYLOR 79566 111
TAYLOR 79567 111
TRAVIS 78654 536
TRAVIS 78634 537
TRAVIS 78757 538
TRAVIS 78727 539
TRAVIS 78750 539
TRAVIS 78759 539
TRAVIS 78620 541
TRAVIS 78663 541
TRAVIS 78739 543
TRAVIS 78613 544
TRAVIS 78664 544
TRAVIS 78617 545
TRAVIS 78621 546
TRAVIS 78669 547
TRAVIS 78748 548
TRAVIS 78610 549
TRAVIS 78729 551
TRAVIS 78728 552
TRAVIS 78753 553
TRAVIS 78708 554
TRAVIS 78718 554
TRAVIS 78758 554
TRAVIS 78752 555
TRAVIS 78730 556
TRAVIS 78615 557
TRAVIS 78705 558
TRAVIS 78713 558
TRAVIS 78724 559
TRAVIS 78734 561
TRAVIS 78744 562
TRAVIS 78760 562
TRAVIS 78641 563
TRAVIS 78642 563
TRAVIS 78741 564
TRAVIS 78749 565
TRAVIS 78645 566
TRAVIS 78701 567
TRAVIS 78704 568
TRAVIS 78764 568
TRAVIS 78751 569
TRAVIS 78735 571
TRAVIS 78736 572

TRAVIS 78731 573
TRAVIS 78712 574
TRAVIS 78726 575
TRAVIS 78710 576
TRAVIS 78754 576
TRAVIS 78756 577
TRAVIS 78723 578
TRAVIS 78745 579
TRAVIS 78652 581
TRAVIS 78719 582
TRAVIS 78725 582
TRAVIS 78747 582
TRAVIS 78732 583
TRAVIS 78742 584
TRAVIS 78738 585
TRAVIS 78702 586
TRAVIS 78762 586
TRAVIS 78703 587
TRAVIS 78660 588
TRAVIS 78691 588
TRAVIS 78716 589
TRAVIS 78746 589
TRAVIS 78653 591
TRAVIS 78722 592
TRAVIS 78737 593
TRAVIS 78721 594
TRAVIS 78799 594
TRAVIS 78612 595
TRAVIS 78733 596
TRAVIS 78640 597
Group Rate Factor

No 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Yes 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900 0.900
1989 and Prior 1990 - 2010 2011 and After

Symbol COMP COLL COMP COLL COMP COLL
1 0.380 0.620 0.310 0.440
2 0.490 0.700 0.380 0.550
3 0.590 0.770 0.470 0.670
4 0.210 0.420 0.670 0.820 0.580 0.770
5 0.250 0.520 0.750 0.860 0.660 0.820
6 0.380 0.620 0.840 0.900 0.730 0.850
7 0.490 0.700 0.920 0.950 0.810 0.880
8 0.640 0.800 1.000 1.000 0.870 0.920
10 0.800 0.880 1.090 1.050 0.940 0.960
11 0.960 0.970 1.200 1.100 1.000 1.000
12 1.140 1.070 1.310 1.150 1.060 1.030
13 1.370 1.180 1.430 1.210 1.110 1.060
14 1.640 1.320 1.560 1.280 1.160 1.080
15 1.950 1.480 1.720 1.370 1.220 1.110
16 2.270 1.650 1.870 1.440 1.270 1.130
17 2.640 1.800 2.020 1.520 1.330 1.160
18 3.060 1.940 2.160 1.600 1.390 1.190
19 3.550 2.110 2.340 1.680 1.440 1.220
20 4.140 2.320 2.540 1.760 1.490 1.240
21 5.170 2.710 2.770 1.840 1.540 1.270
22 3.060 1.940 1.590 1.300
23 3.370 2.050 1.640 1.330
24 3.830 2.210 1.690 1.350
25 4.490 2.460 1.740 1.380
26 5.170 2.710 1.780 1.400
27 1.830 1.420
28 1.880 1.450
29 1.920 1.470
30 1.970 1.500
31 2.020 1.520
32 2.060 1.540
33 2.100 1.570
34 2.150 1.590
35 2.190 1.610
36 2.250 1.640
37 2.320 1.670
38 2.390 1.700
39 2.450 1.720
40 2.520 1.750
41 2.580 1.770
42 2.650 1.800
43 2.710 1.820
44 2.780 1.840
45 2.840 1.860
46 2.910 1.860
47 2.990 1.920
48 3.070 1.940
49 3.150 1.970
50 3.220 2.000
51 3.300 2.030
52 3.380 2.050
53 3.450 2.080
54 3.570 2.120
55 3.720 2.170
56 3.880 2.230
57 4.020 2.280
58 4.250 2.370
59 4.550 2.480
60 4.860 2.590
61 5.180 2.730
62 5.500 2.890
63 5.830 3.040
64 6.160 3.200
65 6.480 3.350
66 6.980 3.580
67 7.650 3.900
68 8.310 4.220
69 8.970 4.540
70 9.640 4.850
71 (c) 10.310 5.160

72 (c) 10.980 5.470
73 (c) 11.650 5.780
74 (c) 12.320 6.090
75 (c) 12.990 6.400
98 (a) (b)
Notes
(a) Add 0.67 to symbol 21 relativity (< 1990)
or symbol 26 relativity (1990 – 2010) for each $10,000 or fraction of $10,000 above $80,000
or symbol 70 relativity (2011 +) for each $10,000 or fraction of $10,000 above $150,000
(b) Add 0.31 to symbol 21 relativity (< 1990)
or symbol 26 relativity (1990 – 2010) for each $10,000 or fraction of $10,000 above $80,000
or symbol 70 relativity (2011 +) for each $10,000 or fraction of $10,000 above $150,000
(c) These are Rating Symbols only. They have no corresponding price ranges.
Vehicles can only be assigned these rating symbols via experienced based modification
Vehicle Age Factor
Crestbrook New Car Discount Table:
Model Year BI PD MED PIP COMP COLL Vehicle Age BI PD MED PIP COMP COLL
1996 & Prior 0.778 0.778 0.682 0.682 0.454 0.243 <= 0 0.870 0.870 0.777 0.777 0.819 0.741
1997 0.778 0.778 0.682 0.682 0.454 0.243 1 0.886 0.886 0.811 0.811 0.899 0.797
1998 0.778 0.778 0.682 0.682 0.454 0.243 2 0.911 0.911 0.856 0.856 0.948 0.848
1999 0.789 0.789 0.697 0.697 0.476 0.255 3 0.940 0.940 0.904 0.904 0.986 0.899
2000 0.799 0.799 0.713 0.713 0.497 0.287 4 0.970 0.970 0.952 0.952 0.998 0.949
2001 0.810 0.810 0.718 0.718 0.519 0.319 >= 5 1.000 1.000 1.000 1.000 1.000 1.00
2002 0.820 0.820 0.739 0.739 0.540 0.352
2003 0.831 0.831 0.759 0.759 0.561 0.384
2004 0.842 0.842 0.773 0.773 0.584 0.416
2005 0.852 0.852 0.789 0.789 0.604 0.449
2006 0.863 0.863 0.804 0.804 0.626 0.481
2007 0.873 0.873 0.819 0.819 0.647 0.513
2008 0.883 0.883 0.835 0.835 0.679 0.556
2009 0.893 0.893 0.849 0.849 0.713 0.599
2010 0.904 0.904 0.865 0.865 0.749 0.643
2011 0.915 0.915 0.881 0.881 0.784 0.686
2012 0.925 0.925 0.895 0.895 0.818 0.729
2013 0.936 0.936 0.911 0.911 0.853 0.773
2014 0.946 0.946 0.926 0.926 0.880 0.817
2015 0.957 0.957 0.941 0.941 0.904 0.853
2016 0.967 0.967 0.956 0.956 0.928 0.890
2017 0.978 0.978 0.971 0.971 0.952 0.927
2018 0.989 0.989 0.985 0.985 0.976 0.963
2019 1.000 1.000 1.000 1.000 1.000 1.000
2020 1.011 1.011 1.015 1.015 1.024 1.037
If the current Model Year is greater than the highest Model Year listed in the table
then its factor can be calculated by taking the difference of these Model Years,
multiplying it by the annual difference between the two most recent Model Years
in the table for that coverage, and adding this total to the factor for the most recent
Model Year listed in the table.
Crestbrook Insurance Company Tesla Insurance
Limit Non-CSL CSL

30,000 / 60,000 1.000 N/A
85,000 / 85,000 1.210 1.210
100,000 / 300,000 1.480 N/A
250,000 / 500,000 1.610 N/A
300,000 / 300,000 1.540 1.540
325,000 / 325,000 1.560 1.560
300,000 / 500,000 1.630 N/A
500,000 / 500,000 1.680 1.680
500,000 / 1,000,000 1.780 N/A
1,000,000 / 1,000,000 2.020 2.020
Crestbrook Insurance Company
Limit Non-CSL CSL

25,000 1.000 N/A
50,000 1.040 N/A
85,000 1.075 0.968
100,000 1.090 N/A
300,000 1.190 1.071
325,000 1.195 1.076
500,000 1.220 1.098
1,000,000 1.290 1.161
Crestbrook Insurance Company T
Limit Factor
No Coverage 0.000
1000 1.000
2,000 1.740
5,000 2.560
10,000 3.260
25,000 4.210
50,000 4.740
Crestbrook Insurance Compa
Limit Factor
No Coverage 0.000
2,500 0.540
5,000 0.690
10,000 1.000
25,000 1.490
50,000 1.670
Limit UM/UIMBI Limit UM/UIMBI CSL

No Coverage 0.000 No Coverage 0.000
30,000 / 60,000 1.000 $85,000 0.97
50,000 / 100,000 1.290 100,000 1.00
100,000 / 300,000 1.670 300,000 1.31
250,000 / 500,000 2.100 325,000 1.36
300,000 / 300,000 1.770 500,000 1.68
325,000 / 325,000 1.810 1,000,000 1.92
300,000 / 500,000 2.120
500,000 / 500,000 2.270
500,000 / 1,000,000 2.380
1,000,000 / 1,000,000 2.590
Crestbrook Insurance Company Tesla Ins
Limit UM/UIMPD
No Coverage 0.000
25,000 1.000
50,000 1.230
85,000 1.320
100,000 1.360
300,000 1.880
325,000 1.950
500,000 2.400
1,000,000 3.700
Crestbrook Insurance Company T
Deductible Factor
No Coverage 0.000
250 1.000
500 0.920
1,000 0.800
2,500 0.620
5,000 0.490
10,000 0.380
Crestbrook Insurance Compa
Deductible Factor
No Coverage 0.000
500 1.000
1,000 0.890
2,500 0.700
5,000 0.520
10,000 0.320
Crestbrook Insurance Company Tesla
Vehicle Use Factors
Usage Factor
Farm 0.900
Business 1.250
Pleasure/Work - Primary 1.000
Pleasure/Work - Excess 0.950
Safety Tier 1.000
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Class Factors
Good Student
Months Since Last Incident

Points 0 – 12 13 – 24 25 – 35 36+
0 0.00 0.00 0.00 0.00
5 1.56 1.00 0.90
10 3.05 2.84 2.63
Each Add'l 5Pts +1.50 +1.40 +1.35
Accident Surcharge
Number of
Chargeable Accidents Months since last Incident
0 – 12 0 – 12 13 – 24 13 – 24 25 – 35 25 – 35
Accident Forgiveness Accident Forgiveness Accident Forgiveness Accident Forgiveness Accident Forgiveness Accident Forgiveness
Applies Does Not Apply Applies Does Not Apply Applies Does Not Apply
0 0.00 0.00 0.00 0.00 0.00 0.00
1 0.00 0.58 0.00 0.49 0.00 0.41
2 0.58 1.35 0.49 1.23 0.41 1.11
3 1.35 2.45 1.23 2.28 1.11 2.10
4 2.45 3.74 2.28 3.51 2.10 3.27
Each Add'l Pt +1.29 +1.29 +1.23 +1.23 +1.17 +1.17
Crestbrook Insurance Com

No 1.000
Yes 0.870

No 1.000
Yes 1.400
Years with
Financial Tesla
Responsibility Insurance UM / UM/UIMB UM / Other
Class Srvcs BI PD MED PIP COMP COLL UIMBI I CSL UIMPD RR Covs
1 - 0.630 0.630 0.370 0.370 0.490 0.540 0.370 0.370 0.540 0.490 1.000
2 - 0.680 0.680 0.420 0.420 0.520 0.590 0.420 0.420 0.590 0.520 1.000
3 - 0.710 0.710 0.480 0.480 0.550 0.620 0.480 0.480 0.620 0.550 1.000
4 - 0.760 0.760 0.530 0.530 0.580 0.660 0.530 0.530 0.660 0.580 1.000
5 - 0.790 0.790 0.590 0.590 0.600 0.710 0.590 0.590 0.710 0.600 1.000
6 - 0.820 0.820 0.640 0.640 0.630 0.740 0.640 0.640 0.740 0.630 1.000
7 - 0.850 0.850 0.680 0.680 0.660 0.770 0.680 0.680 0.770 0.660 1.000
8 - 0.910 0.910 0.740 0.740 0.710 0.820 0.740 0.740 0.820 0.710 1.000
9 - 0.930 0.930 0.780 0.780 0.740 0.850 0.780 0.780 0.850 0.740 1.000
10 - 0.950 0.950 0.810 0.810 0.790 0.870 0.810 0.810 0.870 0.790 1.000
11 - 0.970 0.970 0.860 0.860 0.840 0.900 0.860 0.860 0.900 0.840 1.000
12 - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Order - 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
No Score <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830 0.710 1.000
No Score 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770 0.650 1.000
No Score 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680 0.580 1.000
No-Hit <3 0.910 0.910 0.740 0.740 0.710 0.830 0.740 0.740 0.830 0.710 1.000
No-Hit 3-4 years 0.840 0.840 0.670 0.670 0.650 0.770 0.670 0.670 0.770 0.650 1.000
No-Hit 5+ 0.730 0.730 0.570 0.570 0.580 0.680 0.570 0.570 0.680 0.580 1.000
Bodily Injury/ Number of Drivers

Property Damage No Youthful Driver Youthful Driver
1 2 3 4 1 2 3 4
1 1.01 1.07 1.07 1.07 1.03 1.19 1.15 1.15
2 0.93 1.00 1.07 1.07 1.01 1.12 1.15 1.15
Number of Vehicles
3 0.91 0.91 0.99 1.06 1.01 1.01 1.08 1.14
4 0.91 0.91 0.91 0.99 1.00 1.00 0.99 1.07
Comprehensive Number of Drivers
No Youthful Driver Youthful Driver
1 2 3 4 1 2 3 4
1 0.93 0.96 0.96 0.96 1.09 1.14 1.13 1.13
2 1.10 1.00 1.02 1.02 1.24 1.14 1.15 1.15
Number of Vehicles
3 1.12 1.12 1.03 1.05 1.25 1.25 1.14 1.16
4 1.12 1.12 1.12 1.03 1.25 1.25 1.23 1.14
Collision Number of Drivers
No Youthful Driver Youthful Driver
1 2 3 4 1 2 3 4
1 1.00 1.06 1.06 1.06 1.13 1.26 1.26 1.26
2 0.80 1.00 1.06 1.06 1.00 1.16 1.26 1.26
Number of Vehicles
3 0.80 0.80 1.00 1.06 1.00 1.00 1.16 1.26
4 0.80 0.80 0.80 1.00 1.00 1.00 1.00 1.16
Medical Payments/ Number of Drivers
PIP No Youthful Driver Youthful Driver
1 2 3 4 1 2 3 4
1 0.98 1.19 1.20 1.22 0.94 1.17 1.11 1.12
2 0.91 1.00 1.22 1.23 0.94 0.97 1.14 1.15
Number of Vehicles
3 0.89 0.90 1.05 1.22 0.94 0.94 1.01 1.13
4 0.89 0.90 0.98 1.06 0.94 0.94 0.92 1.02
Restraint Type
U Unknown 1.000
Y Du Frnt / Sid Ar Bgs/Passenger deactivation switch 0.700
0 Safety Tier 1.000
Safety Tier Factor

Safety Tier 10 0.270 0.270 0.270 0.270 0.270 0.270
Safety Tier 9 0.310 0.310 0.310 0.310 0.310 0.310
Safety Tier 8 0.350 0.350 0.350 0.350 0.350 0.350
Safety Tier 7 0.370 0.370 0.370 0.370 0.370 0.370
Safety Tier 6 0.400 0.400 0.400 0.400 0.400 0.400
Safety Tier 5 0.480 0.480 0.480 0.480 0.480 0.480
Safety Tier 4 0.550 0.550 0.550 0.550 0.550 0.550
Safety Tier 3 0.690 0.690 0.690 0.690 0.690 0.690
Safety Tier 2 0.820 0.820 0.820 0.820 0.820 0.820
Safety Tier 1 1.000 1.000 1.000 1.000 1.000 1.000
Opt Out 1.000 1.000 1.000 1.000 1.000 1.000
Unconnected Car 0.512 0.512 0.720 0.720 0.512 0.512
Matrix Factor
Financial HO Policy Multi-Car

Responsibility Class BI Limit Group with CBIC Discount BI PD MED PIP COMP COLL
1 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
1 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
1 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
1 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
1 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
1 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
1 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
1 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
1 High No No 0.850 0.850 0.800 0.800 0.810 0.840
1 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
1 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
1 High Yes Yes 0.550 0.550 0.500 0.500 0.550 0.560
2 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
2 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
2 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
2 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
2 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
2 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
2 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
2 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
2 High No No 0.850 0.850 0.800 0.800 0.810 0.840
2 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
2 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
2 High Yes Yes 0.550 0.550 0.500 0.500 0.550 0.560
3 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
3 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
3 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
3 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
3 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
3 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
3 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
3 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
3 High No No 0.850 0.850 0.800 0.800 0.810 0.840
3 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
3 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
3 High Yes Yes 0.550 0.550 0.500 0.500 0.550 0.560
4 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
4 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
4 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
4 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
4 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
4 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
4 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
4 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
4 High No No 0.850 0.850 0.800 0.800 0.810 0.840
4 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
4 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
4 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
5 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
5 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
5 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
5 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
5 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
5 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
5 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
Matrix Factor

5 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
5 High No No 0.850 0.850 0.800 0.800 0.810 0.840
5 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
5 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
5 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
6 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
6 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
6 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
6 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
6 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
6 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
6 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
6 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
6 High No No 0.850 0.850 0.800 0.800 0.810 0.840
6 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
6 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
6 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
7 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
7 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
7 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
7 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
7 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
7 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
7 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
7 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
7 High No No 0.850 0.850 0.800 0.800 0.810 0.840
7 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
7 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
7 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
8 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
8 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
8 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
8 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
8 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
8 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
8 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
8 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
8 High No No 0.850 0.850 0.800 0.800 0.810 0.840
8 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
8 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
8 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
9 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
9 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
9 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
9 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
9 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
9 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
9 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
9 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
9 High No No 0.850 0.850 0.800 0.800 0.810 0.840
9 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
9 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
9 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
10 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
10 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
Matrix Factor

10 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
10 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
10 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
10 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
10 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
10 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
10 High No No 0.850 0.850 0.800 0.800 0.810 0.840
10 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
10 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
10 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
11 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
11 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
11 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
11 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
11 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
11 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
11 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
11 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
11 High No No 0.850 0.850 0.800 0.800 0.810 0.840
11 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
11 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
11 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
12 Low No No 1.000 1.000 1.000 1.000 0.990 0.990
12 Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
12 Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
12 Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
12 Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
12 Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
12 Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
12 Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
12 High No No 0.850 0.850 0.800 0.800 0.810 0.840
12 High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
12 High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
12 High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
NO Low No No 1.000 1.000 1.000 1.000 0.990 0.990
NO Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
NO Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
NO Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
NO Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
NO Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
NO Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
NO Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
NO High No No 0.850 0.850 0.800 0.800 0.810 0.840
NO High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
NO High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
NO High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
NS Low No No 1.000 1.000 1.000 1.000 0.990 0.990
NS Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
NS Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
NS Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
NS Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
NS Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
NS Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
NS Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
NS High No No 0.850 0.850 0.800 0.800 0.810 0.840
Matrix Factor

NS High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
NS High Yes No 0.730 0.730 0.650 0.650 0.680 0.720
NS High Yes Yes 0.610 0.610 0.560 0.560 0.610 0.620
NH Low No No 1.000 1.000 1.000 1.000 0.990 0.990
NH Low No Yes 0.850 0.850 0.880 0.880 0.870 0.860
NH Low Yes No 0.830 0.830 0.790 0.790 0.810 0.830
NH Low Yes Yes 0.740 0.740 0.720 0.720 0.720 0.740
NH Medium No No 0.930 0.930 0.890 0.890 0.900 0.920
NH Medium No Yes 0.800 0.800 0.800 0.800 0.790 0.810
NH Medium Yes No 0.820 0.820 0.740 0.740 0.760 0.800
NH Medium Yes Yes 0.680 0.680 0.640 0.640 0.660 0.680
NH High No No 0.850 0.850 0.800 0.800 0.810 0.840
NH High No Yes 0.690 0.690 0.670 0.670 0.690 0.700
NH High Yes No 0.73 0.73 0.65 0.65 0.68 0.72
NH High Yes Yes 0.61 0.61 0.56 0.56 0.61 0.62
Home and Car Companion Discount
HO Policy Type Factor

Condominium 0.91
Tenant 0.91
Coverage Expenses

$38.00 $39.00 $6.00 $10.00 $25.40 $57.40
Fee
$4.00
RULES
TEXAS
InsurTech Solution
Table of Contents
Policy Program ............................................................................................................................................. 2
Mexico Coverage ........................................................................................................................................................ 3
Financial Responsibility Filings.................................................................................................................................... 3
Policy Period ............................................................................................................................................................... 3
Policy Changes ........................................................................................................................................................... 3
Classification ................................................................................................................................................ 5
Territory ....................................................................................................................................................................... 5
Vehicle Age ................................................................................................................................................................. 5
Driver Class ................................................................................................................................................................. 6
Other Discounts ......................................................................................................................................... 13
Group Rate ................................................................................................................................................................ 13
Matrix Factor ............................................................................................................................................................. 14
Payment Options ........................................................................................................................................ 14

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wildfires, etc.
Policy Program


Partner.
applicable.

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Mexico Coverage
Policy Period
Policy Changes
cancels.

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a. Insureds;
b. Claims made;
attached Trailer.

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 Gender
 Age
 Marital Status
 Operator Status
 Driving Record
policy.
Classification
Territory

Vehicle Age

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vehicle is not enrolled in the Safety Tier program, then theThe following definitions are used in classifying vehicle use.
2. FARM USE means:


b) No farm use.

b) No farm use; and
Exceptions:
Driver Class
1. Gender
2. Age
4. Operator Status

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5. Good Student
Experience Period

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preceding the effective date of the policy term. Formatted: Font color: Auto
2. If a violation or accident occurs for which a point is required under this rule during the period between preparation Formatted: Font color: Auto
of the renewal and the renewal effective date, the violation or accident surcharge will be postponed until the Formatted: Font color: Auto
following renewal.
Minor Violations Formatted: Font color: Auto
All violations not considered major violations are considered minor violations and are not used for rating. Formatted: Font color: Auto
Major Violations
Condensed by
alcohol or drugs, ORincluding zero tolerance for a person under the age of 21 and Formatted: Font color: Auto, Not Expanded by /
Alcohol/Chemical/Substance offenses less than DWI Condensed by
b. HomicideFailure to submit to a chemical test Formatted: Font color: Auto
c. Failure to stop and report when involved in an accident Formatted: Font color: Auto, Not Expanded by /
d. Falsification of an accident report Condensed by
b.e. Vehicular homicide, negligent homicide, manslaughter (whether or not “involuntary”), or assault Formatted: Font color: Auto
arising out of the operation of a motor vehicle; OR
c. Failure to submit to a chemical test, OR Condensed by
d.f. Driving without a valid license, registration, or while license is suspended or revoked. Formatted: Font color: Auto
g. Permitting unlicensed person to operate a motor vehicle Formatted: Font color: Auto, Not Expanded by /
h. Permitting the operation of an uninsured motor vehicle Condensed by
i. Committing a felony with a motor vehicle Formatted: Font color: Auto

j. Involved in racing or highway speed contest Formatted: Font color: Auto, Not Expanded by /
k. Fleeing or attempting to elude a police officer with an auto or failure to stop and comply when Condensed by
signaled by a police officer, firefighter, or other authorized person Formatted: Font color: Auto
l. Driving without lights to avoid identification or arrest Formatted: Font color: Auto, Not Expanded by /
m. Negligent or reckless operation of a motor vehicle Condensed by
n. Misrepresenting, loaning, or falsification of a driver’s license, license plate, or registration Formatted: Font color: Auto
o. Operating a motor vehicle without owner’s permission Formatted: Font color: Auto, Not Expanded by /
p. Illegal transportation of hazardous materials or explosives Condensed by
q. Illegal transportation of liquor or narcotics for sale Formatted: Font color: Auto
r. Any misdemeanor involving use of a motor vehicle Formatted: Font color: Auto, Not Expanded by /
Condensed by
u. Making a false affidavit or statement under oath, or falsely certifying to the truth of any fact or Formatted ... [1]
information to the Department under any law relating to ownership or operation of motor vehicles Formatted: Font color: Auto
v. Other serious violations Formatted ... [2]
Accidents Formatted: Font color: Auto

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EXCEPTIONS:
person, OR
falling objects, OR
his or her auto, OR

counted as follows:
meet the chargeable accident definition, then incident treated as a minor violation and not surcharged.. If
is surcharged.
Major violationViolation surcharges decrease as the time since the latest violation increases. The “time since
the latest violation” is defined to be the number of months between the date of the most recent chargeable
major violation and the effective date of the policy for new business or the annual due date of the policy for
renewals. Each minor violation is worth 1 point, and each major violation is worth 5 points.


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Accident Surcharge Formatted: Right: 0.29", Space Before: 6 pt, After: 0

pt, No widow/orphan control, Don't keep with next,
Tab stops: 0.62", Left + Not at 0.37"
accident is surcharged. If a minor violation and an accident result from the same incident and the accident Formatted: Keep lines together
not surcharged.. If the accident subsequently meets the chargeable accident definition, the accident
is surcharged.







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insureds.
Renewal Scoring:
level.

apply. Formatted: Font color: Auto
shall be revised.

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vehicle.

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removed.

identified.
limits.
Other Discounts
Group Rate

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Companion Discount
Safety Tier program
program.
Matrix Factor

Payment Options

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billing due date.


Comments:
Attachment(s): Tesla Insurance Services - Milliman Authorization Letter 08 07 2020.pdf
Item Status:
Status Date:
Satisfied - Item: Rate Tables in Track Changes Mode From Crestbrook

Comments:
Attachment(s): TIS_TX Rating Algorithm and Rate Tables_track changes from Crestbrook.pdf
Item Status:
Status Date:
Satisfied - Item: Rule Manual in Track Changes Mode

Comments: Tracked changes between 2020_10_01 to 2020_10_30 Rule Manual
Attachment(s): TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf
Item Status:
Status Date:

Superseded Schedule Items

Please note that all items on the following pages are items, which have been replaced by a newer version. The newest version is located with the appropriate schedule
on previous pages. These items are in date order with most recent first.
Schedule Item Replacement

Creation Date Status Schedule Schedule Item Name Creation Date Attached Document(s)
12/01/2020 Supporting Actuarial Support 12/02/2020 TIS TDI Exhibit E - Liability.pdf
Document TIS TDI Exhibit E - Physical
Damage.pdf
TIS TDI Exhibit L - Profit
Provision.pdf
TIS TX RR
Exhibits_2020_10_30.pdf
(Superceded)
12/01/2020 Supporting Filing Memorandum (Rates/Rules) 12/02/2020 TIS TX RR Actuarial
Document Memo_2020_10_30.pdf
(Superceded)
10/30/2020 Rate Tesla Insurance Services InsurTech 12/02/2020 TIS TX RR Rules_2020_10_30.pdf
Solution Personal Auto Program Rules (Superceded)
10/30/2020 Rate Rate Tables 12/02/2020 TIS TX RR Rating Algorithm and
Rate Tables_2020_10_30.pdf
(Superceded)
09/04/2020 Rate Rate Tables 10/30/2020 TIS TX Rating Algorithm and Rate
Tables.pdf (Superceded)
09/02/2020 Rate Tesla Insurance Services InsurTech 10/30/2020 Tesla Rules - TX.pdf (Superceded)
Solution Personal Auto Program Rules
08/05/2020 Supporting Does this filing contain confidential 10/14/2020
Document information?
08/05/2020 Supporting Actuarial Support 12/01/2020 TIS TDI Exhibit E - Liability.pdf
Document TIS TDI Exhibit E - Physical
Damage.pdf
TIS TDI Exhibit L - Profit
Provision.pdf
(Superceded)
08/05/2020 Supporting Filing Memorandum (Rates/Rules) 12/01/2020 TIS TX RR Actuarial Memo.pdf
Document (Superceded)

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SERFF Tracking #: MISF-132484598 State Tracking #: S684013 Company Tracking #: RCMIC-PA-TX-2001-R

State: Texas Filing Company: Redpoint County Mutual Insurance Company

Rate-Rule Attachments (ex. Document Name Attachment Name)

Tesla Insurance Services TIS TX RR Rules_2020_10_30.pdf

Tesla Insurance Services Tesla Rules - TX.pdf

Rate Tables TIS TX RR Rating Algorithm and Rate Tables_2020_12_02.pdf

Rate Tables TIS TX RR Rating Algorithm and Rate Tables_2020_10_30.pdf

Rate Tables TIS TX Rating Algorithm and Rate Tables.pdf

Supporting Document (ex. Supporting Document Name Attachment Name)

Actuarial Support TIS TDI Exhibit E - Physical Damage.pdf

Actuarial Support TIS TDI Exhibit L - Profit Provision.pdf

Actuarial Support Tesla Filing Exhibit CM (page 1).pdf

Actuarial Support Tesla Filing Exhibit CM (page 2).pdf

Actuarial Support TIS TX RR Exhibits_2020_12_02.pdf

Actuarial Support TIS TDI Exhibit E - Liability.pdf

Actuarial Support TIS TDI Exhibit E - Physical Damage.pdf

Actuarial Support TIS TDI Exhibit L - Profit Provision.pdf

Actuarial Support Tesla Filing Exhibit CM (page 1).pdf

State: Texas Filing Company: Redpoint County Mutual Insurance Company

Actuarial Support Tesla Filing Exhibit CM (page 2).pdf

Actuarial Support TIS TX RR Exhibits_2020_10_30.pdf

Actuarial Support TIS TDI Exhibit E - Liability.pdf

Actuarial Support TIS TDI Exhibit E - Physical Damage.pdf

Actuarial Support TIS TDI Exhibit L - Profit Provision.pdf

Actuarial Support Tesla Filing Exhibit CM (page 1).pdf

Actuarial Support Tesla Filing Exhibit CM (page 2).pdf

Actuarial Support TIS TX RR Exhibits.pdf

Exhibit A TIS TDI Exhibit A.pdf

Filing Memorandum (Rates/Rules) TIS TX RR Actuarial Memo_2020_11_30.pdf

Filing Memorandum TIS TX RR Actuarial Memo_2020_10_30.pdf

Filing Memorandum TIS TX RR Actuarial Memo.pdf

Filing Authorization Letter Tesla Insurance Services - Milliman Authorization Letter 08 07

Rule Manual in Track Changes Mode TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf

Correspondence Attachments (ex. Correspondence Type Attachment Name)

Note To Reviewer TIS TX RR Exhibits_2020_10_30.pdf

Note To Reviewer TIS TX RR Rules_2020_10_01 to 2020_10_30.pdf

State: Texas Filing Company: Redpoint County Mutual Insurance Company

Effective Date 12/01/2020

State: Texas Filing Company: Redpoint County Mutual Insurance Company

Company and Contact

Filing Company Information

State: Texas Filing Company: Redpoint County Mutual Insurance Company

State: Texas Filing Company: Redpoint County Mutual Insurance Company

Objection Letters and Response Letters

Proposed Base Rate Offset

Base Rate Offset for Tier

A. Crestbrook Tier Factors (Note 1)

Base Rate Offset for Safety Discounts

A. Tesla Proposed Safety Tier Factor (Note 2)

Proposed Safety Tier Factors

(1) (2) (3) (4) (5) (6) (7)

Frequency Indicated Safety Selected Credibility Weighted Rebased Proposed

5 0.490 Safety Tier 10 0.490 100% 0.490 0.270

Simple Average 1.000 1.108 0.524

Base Rate Offset for Rental Reimbursement

Underlying Rental Reimbursement 6 Month Base Rate (Note 1) Average

G. Expected Average Tier Factor 1.000

K. Crestbrook Base Auto Rental Expense Limit (Note 2) $2,500

M. Indicated Dollar Offset (Note 4) $51.00

Rental Reimbursement Coverage

A. Physical Damage Frequency (Note 1) 6.07%

B. Average Number of Rental Days (Note 2) 9

C. Cost to Rent Out Replacement Car per Day (Note 2) $45.00

D. Loss Cost (A x B x C rounded to two decimals) $24.58