When you need to shop:

Your premium has increased

You’re unhappy with your present service

You bought a new car

You’ve movedYou’ve retired

Your marital status has changed

You’ve added a new driver to your policy

Your income or assets have increased

How can you be sure you have the right coverage at the best price?

Take a minute to shop and compare. Call 1-800-211-SAVE today!

Provided as a consumer service by:

.com

A Crash Course In Auto Insurance

The Consumer Guide for Indiana DriversTCMA-92IN (07/05)

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 1

All Companies Are Not Created Equal

A. An apples-to-apples comparison of policies from Indiana’s leading companies.

B. Here’s an example of how the premiums of Indiana’s leading companies compare.1

1 Assumptions for this example only: Husband: age 29. 2002 Nissan Altima 2.5L 4-door sedan. 16,000 annual miles.

Wife: age 27. 2000 Honda Civic DX 4-door sedan. 9,000 annual miles.

Both have clean driving records and excellent credit.

$100,000/300,000 Bodily Injury $50,000 Property Damage $5,000 Medical Payments $100,000/300,000 Uninsured Motorist Bodily Injury/ Underinsured Motorist Bodily Injury $500 Comprehensive Deductible $500 Collision Deductible

For more examples, go to “Compare Savings” at 21st.com

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ion

Data obtained as of July 2005 from company and independent sources we believe to be reliable. Certain conditions and policy terms apply. Company pograms and procedures are subject to change.

21st Allstate AutoOwners Erie Progressive State FarmSafecoNationwide

Full replacement cost paid if your new car is totaled in the firstyear at no additional cost.

Towing and roadside assistance included with your policyat no additional charge and no reimbursement required.

Temporary coverage for student children home on hoildays at no additional charge.

Accident and Traffic Forgiveness Program for long - timecustomers at no additional cost.

Waiver of collision deductibles if both parties involved in an accident are customers of the same company.

Bilingual insurance reps available 24 hours a day, 7 days a week to provide policy service retake a claim report.

1 These annual premium comparisons are based on publicly available rate information for rates effective June 20, 2005. We've done our best to provide you with meaningful comparisons. Your premium may vary due to Available discounts, eligibility requirements, driving record and other factors.

2 In addition to the premiums listed, independent agent and broker fees may be charged.

Indianapolis

South Bend

Evansville

Hammond

Fort Wayne

$1,086

1,281

969

893

965

$1,268

1,098

$893

1,027

1,085

$2,056

2,610

1,574

1,492

1,528

$1,420

1,962

1,256

1,358

1,430

$1,208

1,413

940

983

878

$1,205

1,511

1,061

1,073

1,062

$1,367

1,658

1,256

1,158

1,465

$1,429

2,122

1,282

1,321

1,400

21st Allstate Auto Owners2 Erie2 Nationwide Progressive2 Safeco State Farm

Extension of coverage and limits - at no additionalcharge – to any licensed driver you give permissionto drive your car.

Discounted rates for qualified members of certain occupational groups.

No broker or membership fees.Broker fee

may becharged

Broker feemay becharged

Broker feemay becharged

Broker feemay becharged

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 2

Anatomy of a Policy

Cautionary Statement: This guide is intended to provide general insurance information. You may wish to consult a company or professional advisor of your choice regarding your specific situation. Company contracts, programs and procedures are subject to change. The information in this guide is based on sources we believe to be reliable as of this date of publication.

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ion

Declarations Page This part of your contract is often called a “Dec Page.” It contains important information about your current policy such as policy term, coverage limits, and information about the insured(s) and the vehicles covered.

Loss Payee If you have a loan or lease outstanding on your vehicle(s), the lender will be listed along with the insured(s) as the Loss Payee.

Discounts Companies may provide discounts based on occupation, number of cars insured, number of policies, anti-theft devices and driver education classes.

Endorsements If you elect to purchase an endorsement that expands or restricts your policy, it must be listed on the Dec Page. Read carefully...or ask to have them explained.

Uninsured Motorist Property Damage (UM PD) If an uninsured driver causes an accident, this pays for damages to your vehicle up to $15, 000 less your deductible.

Hidden Fees Some insurance companies and their representatives add agent, broker and/or membership fees. These fees may not be part of the premium, but do increase your total cost.

Uninsured/Underinsured Motorist (UM/UIM) If an uninsured/underinsured driver causes an accident, this pays for your medical and funeral costs, lost wages, disability and compensation for pain and suffering.

Limits of Liability 100/300/50 means you’re covered for a maximum of $100,000 bodily injury (BI) per person, $300,000 bodily injury per incident and $50,000 property damage per incident.

Drivers Be sure that all regular and occasional drivers of your cars are listed.

Bodily Injury (BI) If you cause an accident, this pays for other people’s medical and funeral expenses, lost wages, disability and compensation for pain and suffering.

Comprehensive Pays to fix or replace your car if it is damaged in a covered loss not involving a collision (such as fire, theft, earthquake, vandalism).

Towing & Labor Pays for towing and labor charges related to an incident covered by your auto policy. May also pay for emergency roadside assistance.

Deductibles The amount you pay before your insurance company pays for covered damage.

Collision Pays to fix or replace your car after a collision with another vehicle or object, regardless of who is at fault.

Vehicles Make sure the vehicles listed are accurate including year, make and model. Special Vehicle Types (special needs, conversion vans, campers, etc.) should be identified.

Medical (Med Pay) No matter who is at fault, this pays for medical and funeral costs for you and your passengers.

Property Damage (PD) If you cause an accident, this pays for other people’s auto and property repairs.

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 3

Buy as much Bodily Injury (BI) coverage as you can afford. When setting your limits, make sure to set them high enough to protect yourself against possible lawsuits. The Insurance Information Institute recommends coverage starting at $100,000 of bodily injury per person and $300,000 per accident. The more assets and income you have, the higher liability limits you should consider. Your house, savings and/or future earnings may be used to satisfy a lawsuit against you. Consider the potential implications of an accident. How much damage could there be to each car? How many people might be injured? How much would their medical, lost income, and pain and suffering costs total? Attorneys can drive costs even higher. It’s not surprising that costs can easily exceed $100,000 even for a seemingly minor accident. This coverage is optional. With a good health plan and a low deductible, you may not need Med Pay. But if your deductible is high or you often carry passengers, it’s an inexpensive way to make sure everyone is covered. As a rule of thumb, we recommend that your UM/UIM limits match your bodily injury limits. Comprehensive and Collision coverages are voluntary coverages. You may not need them if you're driving an older car with a very low resale value. If the cost of comprehensive and collision coverages for a couple of years is more than the car is worth, you may want to spend your insurance dollars on additional liability coverage. Most people select a low deductible and have too little liability coverage. Consider raising your Comprehensive or Collision deductibles. This will lower your premium, but require a larger out-of-pocket expense if you have an accident. Then use the savings to increase your liability coverage so that you are adequately protected from damages and lawsuits.

B. These important tips will help you choose the right coverage limits and deductibles.

Select the Right Coverage

Liability Coverage

Medical Payments (Med Pay)

Damage to Your Car

Uninsured/Underinsured Motorist ( UM/UIM )

A. Here are some typical coverage selections.

$25,000 $50,000 $10,000 n/a n/a

n/a

n/a

n/a

State Mandated

$50,000 $100,000 $25,000

$50,000 $100,000 $1,000

Basic Common Better

Bodily Injury

Prop er ty Damage

Co mprehensi ve

Co l lisio n

Each P erson

Each Accident

Each Accident

Each P erson

Each Accident

Each Incident

Each Accident

Medical Pa yments

Limits of Liability Cove r age

Ph y sical Damage Deduc tibles

$250

$300

$100,000 $300,000

$50,000

$100,000 $300,000 $2,000

$500

$500

$250,000 $500,000 $100,000

$250,000 $500,000 $5,000

$1,000

$ 1,000

n/a

n/a

Limit

Deductible

Uninsured Motorist Property Damage

$10,000

$0

$10,000

$250

$10,000

$300

Uninsured/Underinsured Motorist Liabilit y

Minimum required by law. Does not cover your personal injuries or damages to your car.

Choose this option if you have few assets and savings to protect and do not own property.

Choose this option -at a minimum- if you own your own home, have savings or a higher income.

Select this option if you have substantial assets and income.

For more information go to “Compare Coverage” at 21st.com

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ion

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 5

It Pays to Do Your Homework

B. Know your rights.

A. Find out more about your insurance company.

You cannot be denied coverage because of where you live.

Your race, color, religion, ancestry, language and country of origin cannot determine your eligibility.

You cannot be declined, cancelled or non-renewed based on your credit (financial responsibility).

Insurance credit inquiries cannot affect your credit score.

Your personal information must be kept confidential and your right to privacy must be respected.

You have the right to select your own body shop for repairs to your motor vehicle.

You’re buying insurance to help protect your financial security. It’s important to make sure the company you choose is financially strong and provides good service. Ask questions up front about customer service and the claims process. In addition to referrals from friends and family, here are some resources to learn more.

Indiana Department of Insurance 1-800-622-4461 in.gov/idoi

Customer service and claims service rankings.

Company, broker and agent information, consumer complaint information and more.

Consumer complaint information.

Financial strength and operating performance ratings.

Financial strength and operating performance ratings.

Financial strength and operating performance ratings.

J.D. Power and Associates 1-805-418-8000 jdpa.com

Better Business Bureau 1-317-488-2222 indybbb.org

A.M. Best Company 1-908-439-2200 ambest.com

Standard and Poor’s 1-212-438-2400 standardandpoors.com

Fitch Ratings 1-212-908-0500 fitchratings.com

Consumer information and educational tools.

21st Century Insurance 1-800-211-SAVE 21st.com

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ion

For more information go to “Compare your Carrier” at 21st.com

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 6

Time to Go Shopping

Have the following information on hand when you shop.

Remember, getting a quote should be easy!

Your Current Insurance Declarations Page Vehicle Information

• Year, make, model and VIN.

• Annual miles and commuting miles.

• Value of custom or special equipment and type of theft recovery device.

• A description of damage (if any) to the vehicle. Driver Information (each driver 16 or older)

• Name, occupation, years licensed, and driver’s license number for each household resident 16 or older.

• Violations and accidents in the last 3 years, including dates, who was at fault, whether anyone was injured, and the amount(s) paid.

Brokers, agents and Web sites represent a limited number of companies. Get the full range of price and service by shopping yourself.

Phone Company Web site

21st 1-800-211-SAVE 21st.com

Allstate 1-800-255-7828 allstate.com

Auto Owners 1-517-323-1200 auto-owners.com

Erie erie-insurance.com

Nationwide

Progressive

1-877-669-6877 nationwide.com

Safeco

1-800-776-4737 progressive.com

State Farm

1-888-458-2246 safeco.com

United Farm Bureau

Must ContactLocal Agent

Must Contact Local Agent

statefarm.com

farmbureau.com

24/7/365 Phone Service

Claims Only

Yes

Yes

Back-Up Only

Yes

Yes

Claims Only

ClaimsEmergencies Only

English

Online Quote

Yes

Yes Yes

Yes

Yes

Yes

Yes

No

Yes

No

Español

Sí

No

No

Sí

No

No

No

No

No

English

Online Purchase

Yes

Yes

Yes

No

Español

Sí

No

No

Yes

No No

No

No

Sí

Yes

Yes

No

No Yes

No

Use this Quote WorkSheet to compare coverage levels and premiums on a line-by-line basis. Companies and policies can vary dramatically, so you want to compare coverage, features and service as well as price.

©2005 21st Century Insurance Company. All rights reserved. No part of A Crash Course in Auto Insurance, The Consumer Guide for Indiana Drivers may be reproduced or transmitted in any form by any means, electronic or mechanical, including photocopying, recording or by any storage and retrieval system, without the written permission of 21st Century Insurance Company.

Make sure you get an accurate quote.

Get a quote from at least three companies.

Use this quote worksheet.

Sect

ion

STEP

1

STEP

2

STEP

3 Coverages

Bodily Injury Liability (BI) Required

Company

Phone #

Car 1

Car 2

Car 3

Quote #

$ EACH PERSON $ EACH

ACCIDENT

Car 1

Car 2

Car 3 $ EACH PERSON $ EACH

ACCIDENT

Required Car 1

Car 2

Car 3 $ EACH ACCIDENT

Property Damage Liability (PD)

Car 1

Car 2

Car 3 $ EACH PERSON

Medical

Car 1

Car 2

Car 3

Car 1

Car 2

Car 3

Uninsured Motorist (UM)

Car 1

Car 2

Car 3

Car 1

Car 2

Car 3

Towing & Labor

$ EACH DISABLEMENT $ POLICY

MAXIMUM

Broker, Membership and Set-up Fees

Rental Reimbursement

$ PER DAY $ POLICY

MAXIMUM

Car 1

Car 2

Car 3

Total Premium by Car

Comprehensive $

$

$

$

$

$

Deductible By Car

Car 1

Car 2

Car 3

$

$

$

Collision Deductible By Car

Uninsured Motorist Property Damage ($15,000 w/ $250 Deductible)

Installment Fees and Finance Charges

Service Level

Total Cost of Policy

Policy Features

Easy? Informative? Responsive? Accurate?

Premium Plus Fees.

Current Company

$

High Med Low

High Med Low

Company 1

$

High Med Low

High Med Low

Company 2

$

High Med Low

High Med Low

Company 3

Car 1

Car 2

Car 3 $ EACH PERSON $ EACH

ACCIDENT

Underinsured Motorist (UIM)

$

High Med Low

High Med Low

21st Century Insurance

1-800-211-SAVE

Included

NONE

1-800-866-1160

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 7

Time to Go Shopping

Have the following information on hand when you shop.

Remember, getting a quote should be easy!

Your Current Insurance Declarations Page Vehicle Information

• Year, make, model and VIN.

• Annual miles and commuting miles.

• Value of custom or special equipment and type of theft recovery device.

• A description of damage (if any) to the vehicle. Driver Information (each driver 16 or older)

• Name, occupation, years licensed, and driver’s license number for each household resident 16 or older.

• Violations and accidents in the last 3 years, including dates, who was at fault, whether anyone was injured, and the amount(s) paid.

Brokers, agents and Web sites represent a limited number of companies. Get the full range of price and service by shopping yourself.

Phone Company Web site

21st 1-800-211-SAVE 21st.com

Allstate 1-800-255-7828 allstate.com

Auto Owners 1-517-323-1200 auto-owners.com

Erie erie-insurance.com

Nationwide

Progressive

1-877-669-6877 nationwide.com

Safeco

1-800-776-4737 progressive.com

State Farm

1-888-458-2246 safeco.com

United Farm Bureau

Must ContactLocal Agent

Must Contact Local Agent

statefarm.com

farmbureau.com

24/7/365 Phone Service

Claims Only

Yes

Yes

Back-Up Only

Yes

Yes

Claims Only

ClaimsEmergencies Only

English

Online Quote

Yes

Yes Yes

Yes

Yes

Yes

Yes

No

Yes

No

Español

Sí

No

No

Sí

No

No

No

No

No

English

Online Purchase

Yes

Yes

Yes

No

Español

Sí

No

No

Yes

No No

No

No

Sí

Yes

Yes

No

No Yes

No

Use this Quote WorkSheet to compare coverage levels and premiums on a line-by-line basis. Companies and policies can vary dramatically, so you want to compare coverage, features and service as well as price.

©2005 21st Century Insurance Company. All rights reserved. No part of A Crash Course in Auto Insurance, The Consumer Guide for Indiana Drivers may be reproduced or transmitted in any form by any means, electronic or mechanical, including photocopying, recording or by any storage and retrieval system, without the written permission of 21st Century Insurance Company.

Make sure you get an accurate quote.

Get a quote from at least three companies.

Use this quote worksheet.

Sect

ion

STEP

1

STEP

2

STEP

3 Coverages

Bodily Injury Liability (BI) Required

Company

Phone #

Car 1

Car 2

Car 3

Quote #

$ EACH PERSON $ EACH

ACCIDENT

Car 1

Car 2

Car 3 $ EACH PERSON $ EACH

ACCIDENT

Required Car 1

Car 2

Car 3 $ EACH ACCIDENT

Property Damage Liability (PD)

Car 1

Car 2

Car 3 $ EACH PERSON

Medical

Car 1

Car 2

Car 3

Car 1

Car 2

Car 3

Uninsured Motorist (UM)

Car 1

Car 2

Car 3

Car 1

Car 2

Car 3

Towing & Labor

$ EACH DISABLEMENT $ POLICY

MAXIMUM

Broker, Membership and Set-up Fees

Rental Reimbursement

$ PER DAY $ POLICY

MAXIMUM

Car 1

Car 2

Car 3

Total Premium by Car

Comprehensive $

$

$

$

$

$

Deductible By Car

Car 1

Car 2

Car 3

$

$

$

Collision Deductible By Car

Uninsured Motorist Property Damage ($15,000 w/ $250 Deductible)

Installment Fees and Finance Charges

Service Level

Total Cost of Policy

Policy Features

Easy? Informative? Responsive? Accurate?

Premium Plus Fees.

Current Company

$

High Med Low

High Med Low

Company 1

$

High Med Low

High Med Low

Company 2

$

High Med Low

High Med Low

Company 3

Car 1

Car 2

Car 3 $ EACH PERSON $ EACH

ACCIDENT

Underinsured Motorist (UIM)

$

High Med Low

High Med Low

21st Century Insurance

1-800-211-SAVE

Included

NONE

1-800-866-1160

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 7

When you need to shop:

Your premium has increased

You’re unhappy with your present service

You bought a new car

You’ve moved You’ve retired

Your marital status has changed

You’ve added a new driver to your policy

Your income or assets have increased

How can you be sure you have the right coverage at the best price?

Take a minute to shop and compare. Call 1-800-211-SAVE today!

Provided as a consumer service by:

.com

A Crash Course In Auto Insurance

The Consumer Guide for Indiana DriversTCMA-92IN (07/05)

21ST754 IN Consumer Guide Rev7-05.qxd 7/28/05 5:33 PM Page 1