AUTO INSURANCE PREMIUMS IN CALIFORNIA:

CASUALTY ACTUARIAL SOCIETY SEMINAR ON RATEMAKING Atlanta, Georgia March 9, 2007 AUTO INSURANCE PREMIUMS IN CALIFORNIA: GIVING GREATER WEIGHT TO HOW WELL YOU DRIVE THAN TO YOUR ZIP CODE AND OTHER OPTIONAL FACTORS Mark Savage Senior Attorney Consumers Union of United States, Inc. Counsel for Petitioners Consumers Union of United States, Inc. National Council of La Raza Southern Christian Leadership Conference of Greater Los Angeles Spanish Speaking Citizens' Foundation Foundation for Taxpayer and Consumer Rights City of Los Angeles City of Oakland City and County of San Francisco West Coast Office 1535 Mission Street San Francisco, California 94103 415.431.6747 Tel 415.431.0906 Fax

Proposition 103 Enacted November 8, 1988, by the Voters of California [Section] 1861.02(a). Rates and premiums for an automobile insurance policy, as described in subdivision (a) of Section 660, shall be determined by application of the following factors in decreasing order of importance: (1) The insured's driving safety record. (2) The number of miles he or she drives annually. (3) The number of years of driving experience the insured has had. (4) Such other factors as the commissioner may adopt by regulation that have a substantial relationship to the risk of loss. The regulations shall set forth the respective weight to be given each factor in determining automobile rates and premiums. Notwithstanding any other provision of law, the use of any criterion without such approval shall constitute unfair discrimination. Page 2

Insurers Give Greater Weight to Where You Live, and Your Gender and Marital Status, Than to How Well You Drive Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury/Property Damage Coverage, 2004 Class Plan Gender, Marital Status 30.05 Cost/Frequency ZIP Code Bands 29.50 Auto Rating Factor DRIVING SAFETY RECORD (mandatory) ANNUAL MILEAGE (mandatory) YEARS OF DRIVING EXPERIENCE (mandatory) Multiple Line Multi/Single Car Average of Optional Factors' Weights Persistency Academic Standing Usage of Vehicle Driving Safety Education Percentage Use by Driver Mature Driver Improvement 2nd Driver Characteristics 1.53 1.51 1.43 0.82 0.36 0.20 3.86 9.07 15.28 15.20 18.66 18.23 23.89 0.00 5.00 10.00 15.00 20.00 25.00 30.00 35.00 Weight 11/9/2006 Page 3 State Farm Mutual Automobile Insurance Co., 2004 Class Plan File No. 04-4521 CP, Exhibit 6

Insurers Give Greater Weight to Where You Live, and Your Marital Status, Than to How Well You Drive Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury/Property Damage Coverage, 2002 Class Plan Auto Rating Factor Severity ZIP Code Bands DRIVING SAFETY RECORD (mandatory) Frequency ZIP Code Bands Multi-Line Marital Status ANNUAL MILEAGE (mandatory) YEARS OF DRIVING EXPERIENCE (mandatory) Average of Optional Factors' Weights Multicar Training Good Student Type of Use Vehicle Characteristics Persistency Gender Percent Use Vehicle Performance Secondary Driver Characteristics Type of Vehicle 21.64 18.64 14.92 14.85 13.96 11.99 9.72 8.32 7.85 5.46 2.44 0.88 0.79 0.35 0.23 0.18 63.40 59.94 57.49 0.00 10.00 20.00 30.00 40.00 50.00 60.00 70.00 Weight 11/8/2006 Page 4 Farmers Insurance Exchange, 2002 Class Plan No. 02-11204 CP, Exhibit 6

Insurers Give Greater Weight to Where You Live, and Your Gender, Than to How Well You Drive Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury Coverage, 2002 Class Plan Auto Rating Factor Frequency ZIP Code Bands DRIVING SAFETY RECORD (mandatory) Gender ANNUAL MILEAGE (mandatory) Multi-vehicle YEARS OF DRIVING EXPERIENCE (mandatory) Severity ZIP Code Bands Multiple Policy Discount Average of Optional Factors' Weights Persistency Type of Use Type of Vehicle Marital Status Percent Use Academic Standing Vehicle Characteristics Driver Training 0.754 0.730 0.647 0.037 10.439 10.072 9.152 8.940 8.705 7.621 6.235 5.123 3.956 3.130 2.981 22.657 27.776 0.000 5.000 10.000 15.000 20.000 25.000 30.000 Weight 11/9/2006 Page 5 Allstate Insurance Company 2002 Class Plan No. 02-37682 CP, Exhibit 6

$891 or 87% Increase for Same Good Driver, Same Coverage ZIP Codes in San Francisco Bay Area Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $2,200 $2,000 94601 Oakland ALAMEDA, $1,912.02 $1,800 $1,600 $1,400 $1,200 94611 Piedmont ALAMEDA, $1,442.50 94536 Fremont ALAMEDA, $1,242.52 94566 Pleasanton ALAMEDA, $1,145.82 94621 Oakland ALAMEDA, $1,872.54 94801 Richmond CONTRA COSTA, $1,535.24 94583 San Ramon CONTRA COSTA, $1,120.80 94109 San Francisco SAN FRANCISCO, $1,470.76 94124 San Francisco SAN FRANCISCO, $1,683.34 94080 South San Francisco SAN MATEO, $1,433.12 95123 San Jose SANTA CLARA, $1,265.42 $1,000 94301 Palo Alto SANTA CLARA, $1,020.14 $800 94501 Alameda ALAMEDA 94536 Fremont ALAMEDA 94550 Livermore ALAMEDA 94566 Pleasanton ALAMEDA 94601 Oakland ALAMEDA 94602 Oakland ALAMEDA 94603 Oakland ALAMEDA 94605 Oakland ALAMEDA 94606 Oakland ALAMEDA 94607 Oakland ALAMEDA 94608 Oakland ALAMEDA 94609 Oakland ALAMEDA 94610 Oakland ALAMEDA 94611 Piedmont ALAMEDA 94612 Oakland ALAMEDA 94618 Oakland ALAMEDA 94619 Oakland ALAMEDA 94621 Oakland ALAMEDA 94703 Berkeley ALAMEDA 94708 Kensington ALAMEDA 94709 North Berkeley ALAMEDA 94506 Danville CONTRA COSTA 94509 Antioch CONTRA COSTA 94513 Brentwood CONTRA COSTA 94519 Concord CONTRA COSTA 94549 Lafayette CONTRA COSTA 94553 Martinez CONTRA COSTA 94556 Moraga CONTRA COSTA 94563 Orinda CONTRA COSTA 94583 San Ramon CONTRA COSTA 94596 Walnut Creek CONTRA COSTA 94598 Walnut Creek CONTRA COSTA 94801 Richmond CONTRA COSTA 94901 San Rafael MARIN 94930 Fairfax MARIN 94945 Novato MARIN 94971 Tomales MARIN 94102 San Francisco SAN FRANCISCO 94103 San Francisco SAN FRANCISCO 94104 San Francisco SAN FRANCISCO 94105 San Francisco SAN FRANCISCO 94107 San Francisco SAN FRANCISCO 94108 San Francisco SAN FRANCISCO 94109 San Francisco SAN FRANCISCO 94110 San Francisco SAN FRANCISCO 94111 San Francisco SAN FRANCISCO 94112 San Francisco SAN FRANCISCO 94114 San Francisco SAN FRANCISCO 94115 San Francisco SAN FRANCISCO 94116 San Francisco SAN FRANCISCO 94117 San Francisco SAN FRANCISCO 94118 San Francisco SAN FRANCISCO 94121 San Francisco SAN FRANCISCO 94122 San Francisco SAN FRANCISCO 94123 San Francisco SAN FRANCISCO 94124 San Francisco SAN FRANCISCO 94127 San Francisco SAN FRANCISCO 94129 San Francisco SAN FRANCISCO 94130 San Francisco SAN FRANCISCO 94131 San Francisco SAN FRANCISCO 94132 San Francisco SAN FRANCISCO 94133 San Francisco SAN FRANCISCO 94134 San Francisco SAN FRANCISCO 94019 Half Moon Bay SAN MATEO 94020 La Honda SAN MATEO 94061 Redwood City SAN MATEO 94080 South San Francisco SAN MATEO 94303 East Palo Alto SAN MATEO 94402 San Mateo SAN MATEO 94086 Sunnyvale SANTA CLARA 94301 Palo Alto SANTA CLARA 94305 Stanford SANTA CLARA 95014 Cupertino SANTA CLARA 95020 Gilroy SANTA CLARA 95030 Los Gatos SANTA CLARA 95037 Morgan Hill SANTA CLARA 95070 Saratoga SANTA CLARA 95123 San Jose SANTA CLARA Annual Premium ZIP Code 11/9/2006 Page 6 State Farm Mutual Automobile Insurance Co. 2002 Class Plan No. 02-13401 CP

$1,249 or 94% Increase for Same Good Driver, Same Coverage ZIP Codes in Los Angeles Region Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $2,700 $2,500 $2,300 90056 Los Angeles (Baldwin Hills), $2,394.40 90301 Inglewood, $2,342.40 91401 Van Nuys, $2,411.00 $2,100 $1,900 90272 Pacific Palisades, $1,839.40 $1,700 $1,500 $1,300 90045 Los Angeles (Westchester), $1,443.00 90274 Palos Verdes, $1,370.60 91107 Pasadena, $1,556.80 91355 Valencia, $1,338.40 91740 Glendora, $1,375.00 $1,100 90004 Los Angeles 90026 Los Angeles (Echo Park) 90028 Hollywood 90036 Los Angeles 90039 Los Angeles 90043 Los Angeles (View Park) 90044 Los Angeles 90045 Los Angeles (Westchester) 90046 Los Angeles 90047 Los Angeles 90056 Los Angeles (Baldwin Hills) 90062 Los Angeles 90067 Century City 90068 Los Angeles 90069 West Hollywood 90210 Beverly Hills 90211 Beverly Hills 90212 Beverly Hills 90220 Compton 90230 Culver City 90240 Downey 90247 Gardena 90249 Gardena 90260 Lawndale 90272 Pacific Palisades 90274 Palos Verdes 90280 South Gate 90301 Inglewood 90501 Torrance 90502 Torrance 90601 Whittier 90650 Norwalk 90710 Harbor City 90717 Lomita 90745 Carson 91030 South Pasadena 91040 Sunland 91107 Pasadena 91302 Calabasas 91303 Canoga Park 91316 Van Nuys 91324 Northridge 91331 Pacoima 91335 Reseda 91345 Mission Hills 91355 Valencia 91356 Tarzana 91364 Woodland Hills 91401 Van Nuys 91402 Panorama City 91403 Sherman Oaks 91405 Van Nuys 91406 Van Nuys 91411 Van Nuys 91423 Sherman Oaks 91436 Encino 91501 Burbank 91601 North Hollywood 91604 Studio City 91605 North Hollywood 91608 Universal City 91740 Glendora 91744 La Puente 91748 Rowland Heights 91754 Monterey Park 91765 Diamond Bar 91766 Pomona 91801 Alhambra 93550 Palmdale ZIP Code 11/10/2006 Page 7 Farmers Insurance Exchange 2002 Class Plan No. 02-11204 CP Annual Premium

$340 or 36% Increase for Same Good Driver, Same Coverage ZIP Codes in San Diego Region Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $1,300 $1,250 92102 San Diego, $1,270.00 $1,200 91950 National City, $1,198.00 $1,150 $1,100 $1,050 92037 La Jolla, $1,026.00 $1,000 92118 Coronado, $994.00 $950 91901 Alpine, $930.00 92064 Poway, $932.00 $900 91901 Alpine 91910 Chula Vista 91911 Chula Vista 91950 National City 92019 El Cajon 92025 Escondido 92028 Fallbrook 92037 La Jolla 92054 Oceanside 92056 Oceanside 92057 Oceanside 92064 Poway 92065 Ramona 92069 San Marcos 92083 Vista 92102 San Diego 92104 San Diego 92105 San Diego 92113 Barrio Logan City 92116 San Diego 92118 Coronado 92126 San Diego 92154 South San Diego 92173 San Ysidro 92182 San Diego ZIP Code 11/10/2006 Page 8 Allstate Insurance Company 2002 Class Plan No. 02-37682 CP Annual Premium

$308 or 28% Increase for Same Good Driver, Same Coverage ZIP Codes across Northern California Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $1,450 $1,400 $1,350 $1,300 $1,250 $1,200 $1,150 95932 Colusa COLUSA, $1,384.08 95938 Durham BUTTE, $1,362.60 95926 Chico BUTTE, $1,188.58 95987 Williams COLUSA, $1,219.18 95961 Olivehurst YUBA, $1,392.72 95521 Arcata HUMBOLDT, $1,156.36 95501 Eureka HUMBOLDT, $1,362.62 95445 Gualala MENDOCINO, $1,334.36 95568 Somes Bar SISKIYOU, $1,293.24 95482 Ukiah MENDOCINO, $1,150.72 96007 Anderson SHASTA, $1,308.64 96017 Castella SHASTA, $1,172.24 $1,100 96097 Yreka SISKIYOU, $1,083.94 $1,050 $1,000 95917 Biggs BUTTE 95926 Chico BUTTE 95928 Chico BUTTE 95938 Durham BUTTE 95948 Gridley BUTTE 95954 Magalia BUTTE 95965 Thermalito BUTTE 95966 Oroville BUTTE 95968 Palermo BUTTE 95969 Paradise BUTTE 95978 Stirling City BUTTE 95932 Colusa COLUSA 95950 Grimes COLUSA 95955 Maxwell COLUSA 95970 Princeton COLUSA 95979 Lodoga COLUSA 95987 Williams COLUSA 95947 Greenville PLUMAS 95971 Quincy PLUMAS 96020 Chester PLUMAS 96103 Cromberg PLUMAS 96105 Chilcoot PLUMAS 96122 Portola PLUMAS 95953 Live Oak SUTTER 95957 Meridian SUTTER 95982 Sutter SUTTER 95991 Yuba City SUTTER 95918 Browns Valley YUBA 95925 Challenge YUBA 95935 Dobbins YUBA 95961 Olivehurst YUBA 95531 Crescent City DEL 95543 Gasquet DEL NORTE 95548 Klamath DEL NORTE 95567 Smith River DEL NORTE 95501 Eureka HUMBOLDT 95521 Arcata HUMBOLDT 95526 Bridgeville HUMBOLDT 95536 Ferndale HUMBOLDT 95542 Garberville HUMBOLDT 95546 Hoopa HUMBOLDT 95553 Miranda HUMBOLDT 95555 Orick HUMBOLDT 95556 Orleans HUMBOLDT 95560 Redway HUMBOLDT 95565 Scotia HUMBOLDT 95573 Willow Creek HUMBOLDT 95415 Boonville MENDOCINO 95437 Fort Bragg MENDOCINO 95445 Gualala MENDOCINO 95449 Hopland MENDOCINO 95460 Mendocino MENDOCINO 95482 Ukiah MENDOCINO 95585 Leggett MENDOCINO 95920 Butte City GLENN 95939 Elk Creek GLENN 95963 Orland GLENN 95988 Willows GLENN 95422 Clearlake LAKE 95451 Kelseyville LAKE 95453 Lakeport LAKE 95458 Lucerne LAKE 95461 Middletown LAKE 95568 Somes Bar SISKIYOU 96014 Callahan SISKIYOU 96023 Dorris SISKIYOU 96027 Etna SISKIYOU 96038 Grenada SISKIYOU 96039 Happy Camp SISKIYOU 96058 Macdoel SISKIYOU 96097 Yreka SISKIYOU 96134 Tulelake SISKIYOU 96010 Big Bar TRINITY 96041 Hayfork TRINITY 96052 Lewiston TRINITY 96093 Weaverville TRINITY 96015 Canby MODOC 96101 Alturas MODOC 96104 Cedarville MODOC 96108 Davis Creek MODOC 96003 Redding SHASTA 96007 Anderson SHASTA 96013 Burney SHASTA 96017 Castella SHASTA 96022 Cottonwood SHASTA 96113 Herlong LASSEN 96123 Ravendale LASSEN 96130 Susanville LASSEN 96132 Termo LASSEN 96137 Westwood LASSEN 96029 Flournoy TEHAMA 96055 Los Molinos TEHAMA 96061 Mineral TEHAMA 96080 Red Bluff TEHAMA Annual Premium ZIP Code 11/10/2006 Page 9 State Farm Mutual Automobile Insurance Co., 2002 Class Plan No. 02-13401 CP

$730 or 89% Increase for Same Good Driver, Same Coverage ZIP Codes in Central Valley Region Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $1,600 93706 Rolinda (Fresno) FRESNO, $1,548.00 $1,400 93711 Fresno FRESNO, $1,386.00 95329 La Grange STANISLAUS, $1,364.00 $1,200 $1,000 $800 93206 Buttonwillow KERN, $1,080.00 93309 Bakersfield KERN, $996.00 93531 Keene KERN, $818.00 93277 Visalia TULARE, $1,186.00 95311 Coulterville MARIPOSA, $874.00 $600 93210 Coalinga FRESNO 93234 Huron FRESNO 93242 Laton FRESNO 93605 Big Creek FRESNO 93611 Clovis FRESNO 93612 Clovis FRESNO 93630 Kerman FRESNO 93631 Kingsburg FRESNO 93656 Lanare FRESNO 93657 Sanger FRESNO 93660 San Joaquin FRESNO 93706 Rolinda (Fresno) FRESNO 93711 Fresno FRESNO 93721 Fresno FRESNO 93727 Fresno FRESNO 93728 Fresno FRESNO 93203 Arvin KERN 93206 Buttonwillow KERN 93215 Delano KERN 93226 Glennville KERN 93238 Kernville KERN 93241 Lamont KERN 93243 Lebec KERN 93249 Lost Hills KERN 93250 McFarland KERN 93263 Shafter KERN 93280 Wasco KERN 93305 Bakersfield KERN 93307 Bakersfield KERN 93309 Bakersfield KERN 93312 Greenacres KERN 93501 Mojave KERN 93531 Keene KERN 93555 Ridgecrest KERN 93561 Bear Valley Springs KERN 93204 Avenal KINGS 93212 Corcoran KINGS 93230 Hanford KINGS 93239 Kettleman City KINGS 93245 Lemoore KINGS 93266 Stratford KINGS 93601 Ahwahnee MADERA 93610 Chowchilla MADERA 93638 Madera MADERA 93644 Oakhurst MADERA 93201 Alpaugh TULARE 93218 Ducor TULARE 93219 Earlimart TULARE 93227 Goshen TULARE 93256 Pixley TULARE 93257 Porterville TULARE 93261 Richgrove TULARE 93265 Springville TULARE 93270 Terra Bella TULARE 93272 Tipton TULARE 93274 Woodville TULARE 93277 Visalia TULARE 93618 Dinuba TULARE 93673 Traver TULARE 93426 Bradley MONTEREY 93906 Salinas MONTEREY 93920 Big Sur MONTEREY 93923 Carmel MONTEREY 93927 Greenfield MONTEREY 93940 Monterey MONTEREY 93960 Soledad MONTEREY 95023 Hollister SAN BENITO 95043 Paicines SAN BENITO 95045 San Juan Bautista SAN BENITO 95306 Catheys Valley MARIPOSA 95311 Coulterville MARIPOSA 95338 Mariposa MARIPOSA 95389 Yosemite Valley MARIPOSA 95329 La Grange STANISLAUS 95351 Modesto STANISLAUS 95361 Oakdale STANISLAUS 95363 Patterson STANISLAUS 95380 Turlock STANISLAUS 93635 Los Banos MERCED 95322 Gustine MERCED 95340 Merced MERCED 95365 Planada MERCED Annual Premium ZIP Code 11/10/2006 Page 10 Allstate Insurance Company 2002 Class Plan No. 02-37682 CP

$292 or 68% Increase for Same Good Driver, Same Coverage ZIP Codes in San Francisco Bay Area BI/PD Liability Coverage Only Female Good Driver, Licensed 22 Years, No Accidents/Violations $750 $700 94603 Oakland, $721.40 94703 Berkeley, $708.20 94124 San Francisco [Hunters Point], $708.20 $650 $600 $550 $500 94123 San Francisco, $601.40 94114 San Francisco, $551.20 94611 Oakland (Piedmont), $546.20 94708 Kensington, $502.40 $450 94566 Pleasanton, $439.40 94549 Lafayette, $428.60 $400 94501 Alameda 94536 Fremont 94550 Livermore 94566 Pleasanton 94601 Oakland 94602 Oakland 94603 Oakland 94605 Oakland 94606 Oakland 94607 Oakland 94608 Oakland 94609 Oakland 94610 Oakland 94611 Oakland (Piedmont) 94612 Oakland 94618 Oakland 94619 Oakland 94621 Oakland 94703 Berkeley 94708 Kensington 94709 North Berkeley 94506 Danville 94509 Antioch 94513 Brentwood 94519 Concord 94549 Lafayette 94553 Martinez 94556 Moraga 94563 Orinda 94583 San Ramon 94596 Walnut Creek 94598 Walnut Creek 94801 Richmond 94901 San Rafael 94930 Fairfax 94945 Novato 94971 Tomales 94102 San Francisco 94103 San Francisco 94104 San Francisco 94105 San Francisco 94107 San Francisco 94108 San Francisco 94109 San Francisco 94110 San Francisco 94111 San Francisco 94112 San Francisco 94114 San Francisco 94115 San Francisco 94116 San Francisco 94117 San Francisco 94118 San Francisco 94121 San Francisco 94122 San Francisco 94123 San Francisco 94124 San Francisco [Hunters Point] 94127 San Francisco 94129 San Francisco 94130 San Francisco 94131 San Francisco 94132 San Francisco 94133 San Francisco 94134 San Francisco Annual Premium ZIP Code 11/9/2006 Page 11 Farmers Insurance Exchange 2002 Class Plan No. 02-11204 CP

$299 or 99% Increase for Same Good Driver, Same Coverage ZIP Codes in Central Valley Region BI/PD Liability Coverage Only Female Good Driver, Licensed 22 Years, No Accidents/Violations $650 93728 Fresno FRESNO, $601.40 $550 $450 $350 93309 Bakersfield KERN, $399.00 93227 Goshen TULARE, $500.20 95306 Catheys Valley MARIPOSA, $502.60 96120 Markleeville ALPINE, $399.00 93555 Ridgecrest KERN, $302.20 $250 93605 Big Creek FRESNO 93611 Clovis FRESNO 93612 Clovis FRESNO 93630 Kerman FRESNO 93631 Kingsburg FRESNO 93656 Lanare FRESNO 93657 Sanger FRESNO 93660 San Joaquin FRESNO 93706 Rolinda (Fresno) FRESNO 93711 Fresno FRESNO 93721 Fresno FRESNO 93727 Fresno FRESNO 93728 Fresno FRESNO 93206 Buttonwillow KERN 93215 Delano KERN 93226 Glennville KERN 93238 Kernville KERN 93241 Lamont KERN 93243 Lebec KERN 93249 Lost Hills KERN 93250 McFarland KERN 93263 Shafter KERN 93280 Wasco KERN 93305 Bakersfield KERN 93307 Bakersfield KERN 93309 Bakersfield KERN 93312 Greenacres KERN 93501 Mojave KERN 93531 Keene KERN 93555 Ridgecrest KERN 93561 Bear Valley Springs KERN 93204 Avenal KINGS 93212 Corcoran KINGS 93230 Hanford KINGS 93239 Kettleman City KINGS 93245 Lemoore KINGS 93266 Stratford KINGS 93601 Ahwahnee MADERA 93610 Chowchilla MADERA 93638 Madera MADERA 93644 Oakhurst MADERA 93201 Alpaugh TULARE 93218 Ducor TULARE 93219 Earlimart TULARE 93227 Goshen TULARE 93256 Pixley TULARE 93257 Porterville TULARE 93261 Richgrove TULARE 93265 Springville TULARE 93270 Terra Bella TULARE 93272 Tipton TULARE 93274 Woodville TULARE 93277 Visalia TULARE 93618 Dinuba TULARE 93673 Traver TULARE 93426 Bradley MONTEREY 93906 Salinas MONTEREY 93920 Big Sur MONTEREY 93923 Carmel MONTEREY 93927 Greenfield MONTEREY 93940 Monterey MONTEREY 93960 Soledad MONTEREY 95023 Hollister SAN BENITO 95043 Paicines SAN BENITO 95045 San Juan Bautista SAN BENITO 95306 Catheys Valley MARIPOSA 95311 Coulterville MARIPOSA 95338 Mariposa MARIPOSA 95389 Yosemite Valley MARIPOSA 96120 Markleeville ALPINE 95329 La Grange STANISLAUS 95351 Modesto STANISLAUS 95361 Oakdale STANISLAUS 95363 Patterson STANISLAUS 95380 Turlock STANISLAUS 93635 Los Banos MERCED 95322 Gustine MERCED 95340 Merced MERCED 95365 Planada MERCED Annual Premium ZIP Code 11/9/2006 Page 12 Farmers Insurance Exchange 2002 Class Plan No. 02-11204 CP

Insurers Charge the Same Good Driver in Rural Towns More than in "Urban" and "Suburban" Cities When Insurers Can Manipulate Your Premium Based Primarily on Where You Live, Not How You Drive, Good Drivers in Small Rural Towns Can Pay More $1,000 $1,100 $1,200 $1,300 $1,400 $1,500 $1,600 $1,700 $1,800 95309 Chinese Camp TUOLUMNE (pop. 146) 93652 Raisin City FRESNO (pop. 165) 95601 Amador City AMADOR (pop. 196) 93244 Lemon Cove TULARE (pop. 298) 95323 Hickman STANISLAUS (pop. 457) 95245 Mokelumne Hill CALAVERAS (pop. 774) 93644 Oakhurst MADERA (pop. 2868) 95982 Sutter SUTTER (pop. 2885) 95237 Lockeford SAN JOAQUIN (pop. 3179) 93270 Terra Bella TULARE (pop. 3466) $1,657.00 $1,688.62 $1,659.82 $1,593.00 $1,613.26 $1,516.92 $1,663.48 $1,528.02 $1,584.92 $1,539.34 93921 Carmel By The Sea MONTEREY (pop. 4081) 96080 Red Bluff TEHAMA (pop. 13147) $1,293.68 $1,330.80 90266 Manhattan Beach LOS ANGELES (pop. 33852) $1,471.56 93401 San Luis Obispo SAN LUIS OBISPO (pop. 44174) $1,099.00 94583 San Ramon CONTRA COSTA (pop. 44722) 92672 San Clemente ORANGE (pop. 49936) 94301 Palo Alto SANTA CLARA (pop. 58598) $1,207.06 $1,193.48 $1,267.18 95926 Chico BUTTE (pop. 59954) 95616 Davis YOLO (pop. 60308) 94595 Walnut Creek CONTRA COSTA (pop. 64296) 92660 Newport Beach ORANGE (pop. 70032) $1,371.58 $1,324.80 $1,322.96 $1,387.72 94040 Mountain View SANTA CLARA (pop. 70708) $1,159.58 96001 Redding SHASTA (pop. 80865) $1,328.26 93109 Santa Barbara SANTA BARBARA (pop. 92325) $1,164.92 94404 San Mateo SAN MATEO (pop. 92482) 91320 Thousand Oaks VENTURA (pop. 117005) 94519 Concord CONTRA COSTA (pop. 121780) 90503 Torrance LOS ANGELES (pop. 137946) 94536 Fremont ALAMEDA (pop. 203413) 93308 Bakersfield KERN (pop. 247057) 92506 Riverside RIVERSIDE (pop. 255166) 90815 Long Beach LOS ANGELES (pop. 461522) 95125 San Jose SANTA CLARA (pop. 894943) 92111 San Diego SAN DIEGO (pop. 1223400) $1,399.92 $1,424.58 $1,476.18 $1,491.40 $1,377.58 $1,493.92 $1,487.24 $1,410.96 $1,347.84 $1,305.42 11/9/2006 Page 13 State Farm Mutual Automobile Insurance Co. 2004 Class Plan No. 04-4521 CP

Population Thous #### Terra 3466 Median Family Income Thousa#### Terra B#### Good Driver insurance Premium Thous #### Terra B#### Small Town Pays More Than Much Bigger City ZIP-Code Based Auto Rates Hurt Rural Communities, Too Population Terra Bella (Tulare Co.) 3,466 Thousand Oaks (Ventura Co.) 117,005 0 20,000 40,000 60,000 80,000 100,000 120,000 140,000 Median Family Income Terra Bella $24,750 Thousand Oaks $86,041 $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000 Good Driver Insurance Premium Terra Bella $1,448 Thousand Oaks $1,213 $1,100 $1,200 $1,300 $1,400 $1,500 Premium for female good driver, licensed 22 years, no accidents/violations, standard coverage Page 14 State Farm Mutual Automobile Insurance Co., 2002 Class Plan No. 02-13401 CP

0 mi 50 100 150 Copyright 1988-2003 Microsoft Corp. and/or its suppliers. All rights reserved. http://www.microsoft.com/mappoint Copyright 2002 by Geographic Data Technology, Inc. All rights reserved. 2002 Navigation Technologies. All rights reserved. This data includes information taken with permission from Canadian authorities 1991-2002 Government of Canada (Statistics Canada and/or Geomatics Canada), all rights reserved.

$614 or 53% Increase for Rural Good Drivers when Insurers Base Premiums Primarily on ZIP Code, Not Driving Record 100% Rural ZIP Codes per Census 2000 Female Good Driver, Licensed 22 Years, No Accidents/Violations, Standard Coverage $1,800 $1,700 93652 Raisin City FRESNO (pop. 165), $1,688.62 92256 Morongo Valley SAN BERNARDINO (pop. 1929), $1,685.38 $1,600 $1,500 $1,400 $1,300 $1,200 $1,100 95254 Wallace CALAVERAS (pop. 220), $1,580.56 96037 Greenview SISKIYOU (pop. 200), $1,308.22 93526 Independence INYO (pop. 574), $1,144.40 96134 Tulelake SISKIYOU (pop. 1020), $1,409.36 93206 Buttonwillow KERN (pop. 1266), $1,498.56 93516 Boron KERN (pop. 2025), $1,217.44 $1,000 95923 Canyon Dam PLUMAS (pop. 37) 93554 Randsburg KERN (pop. 77) 96065 Montgomery Creek SHASTA (pop. 96) 94512 Birds Landing SOLANO (pop. 130) 96063 Mineral TEHAMA (pop. 143) 93251 McKittrick KERN (pop. 160) 96120 Markleeville ALPINE (pop. 197) 94971 Tomales MARIN (pop. 210) 94569 Port Costa CONTRA COSTA (pop. 232) 95230 Farmington SAN JOAQUIN (pop. 262) 92259 Ocotillo IMPERIAL (pop. 296) 94929 Dillon Beach MARIN (pop. 319) 96059 Manton TEHAMA (pop. 372) 94963 San Geronimo MARIN (pop. 436) 93255 Onyx KERN (pop. 476) 93626 Friant FRESNO (pop. 519) 95585 Leggett MENDOCINO (pop. 592) 93608 Cantua Creek FRESNO (pop. 655) 93664 Shaver Lake FRESNO (pop. 705) 94970 Stinson Beach MARIN (pop. 751) 93668 Tranquility FRESNO (pop. 813) 95543 Gasquet DEL NORTE (pop. 851) 92275 Salton City IMPERIAL (pop. 978) 96134 Tulelake SISKIYOU (pop. 1020) 93265 Springville TULARE (pop. 1109) 95947 Greenville PLUMAS (pop. 1160) 95547 Hydesville HUMBOLDT (pop. 1209) 93266 Stratford KINGS (pop. 1264) 96052 Lewiston TRINITY (pop. 1305) 95338 Mariposa MARIPOSA (pop. 1373) 94923 Bodega Bay SONOMA (pop. 1423) 95713 Colfax PLACER (pop. 1496) 95246 Mountain Ranch CALAVERAS (pop. 1557) 93545 Lone Pine INYO (pop. 1655) 93272 Tipton TULARE (pop. 1790) 95449 Hopland MENDOCINO (pop. 1839) 95445 Gualala MENDOCINO (pop. 1916) 96137 Westwood LASSEN (pop. 1998) 95247 Murphys CALAVERAS (pop. 2061) 92230 Cabazon RIVERSIDE (pop. 2229) 96041 Hayfork TRINITY (pop. 2315) 93283 Weldon KERN (pop. 2387) 95249 San Andreas CALAVERAS (pop. 2615) 94508 Angwin NAPA (pop. 3148) 96093 Weaverville TRINITY (pop. 3554) 92082 Valley Center SAN DIEGO (pop. 7323) Annual Premium Rural ZIP Code 11/10/2006 Page 15 State Farm Mutual Automobile Insurance Co. 2004 Class Plan No. 04-4521 CP

$355 or 88% Increase for Rural Good Drivers when Insurers Base Premiums Primarily on ZIP Code, Not Driving Record 100% Rural ZIP Codes per Census 2000 BI/PD Liability Coverage Only Female Good Driver, Licensed 22 Years, No Accidents/Violations $800 $750 $700 $650 $600 $550 $500 $450 $400 $350 $300 95923 Canyon Dam PLUMAS (pop. 37) 92384 Shoshone INYO (pop. 52) 93522 Darwin INYO (pop. 54) 93530 Keeler INYO (pop. 66) 93554 Randsburg KERN (pop. 77) 95984 Twain PLUMAS (pop. 87) 96106 Clio PLUMAS (pop. 90) 95646 Kirkwood ALPINE (pop. 96) 96065 Montgomery Creek SHASTA (pop. 96) 92389 Tecopa INYO (pop. 99) 93426 Bradley MONTEREY (pop. 120) 96084 Round Mountain SHASTA (pop. 122) 94512 Birds Landing SOLANO (pop. 130) 93549 Olancha INYO (pop. 134) 96034 Gazelle SISKIYOU (pop. 136) 96058 Macdoel SISKIYOU (pop. 140) 96063 Mineral TEHAMA (pop. 143) 96011 Big Bend SHASTA (pop. 149) 93224 Fellows KERN (pop. 153) 95983 Taylorsville PLUMAS (pop. 154) 93251 McKittrick KERN (pop. 160) 93652 Raisin City FRESNO (pop. 165) 93528 Johannesburg KERN (pop. 176) 95601 Amador City AMADOR (pop. 196) 96120 Markleeville ALPINE (pop. 197) 95555 Orick HUMBOLDT (pop. 200) 96037 Greenview SISKIYOU (pop. 200) 96010 Big Bar TRINITY (pop. 207) 94971 Tomales MARIN (pop. 210) 95254 Wallace CALAVERAS (pop. 220) 93276 Tupman KERN (pop. 227) 93226 Glennville KERN (pop. 230) 94569 Port Costa CONTRA COSTA (pop. 232) 92266 Palo Verde IMPERIAL (pop. 236) 96033 French Gulch SHASTA (pop. 254) 95934 Crescent Mills PLUMAS (pop. 258) 95230 Farmington SAN JOAQUIN (pop. 262) 95389 Yosemite Valley MARIPOSA (pop. 265) 96044 Hornbrook SISKIYOU (pop. 286) 96103 Cromberg PLUMAS (pop. 290) 92259 Ocotillo IMPERIAL (pop. 296) 93244 Lemon Cove TULARE (pop. 298) 95039 Moss Landing MONTEREY (pop. 300) 95570 Trinidad HUMBOLDT (pop. 311) 94929 Dillon Beach MARIN (pop. 319) 96038 Grenada SISKIYOU (pop. 351) 96056 McArthur SHASTA (pop. 365) 92518 March AFB RIVERSIDE (pop. 370) 96059 Manton TEHAMA (pop. 372) 96105 Chilcoot PLUMAS (pop. 387) 93954 San Lucas MONTEREY (pop. 419) 95251 Vallecito CALAVERAS (pop. 427) 94963 San Geronimo MARIN (pop. 436) 95556 Orleans HUMBOLDT (pop. 449) 95323 Hickman STANISLAUS (pop. 457) 95468 Point Arena MENDOCINO (pop. 474) 93255 Onyx KERN (pop. 476) 93962 Spreckels MONTEREY (pop. 485) 93450 San Ardo MONTEREY (pop. 501) 93218 Ducor TULARE (pop. 504) 93626 Friant FRESNO (pop. 519) 96051 Lakehead SHASTA (pop. 549) 93526 Independence INYO (pop. 574) 95956 Meadow Valley PLUMAS (pop. 575) 95585 Leggett MENDOCINO (pop. 592) 96062 Millville SHASTA (pop. 610) 96028 Fall River Mills SHASTA (pop. 648) 95548 Klamath DEL NORTE (pop. 651) 93608 Cantua Creek FRESNO (pop. 655) 96032 Fort Jones SISKIYOU (pop. 660) 95690 Walnut Grove SACRAMENTO (pop. 669) 95224 Avery CALAVERAS (pop. 672) 93664 Shaver Lake FRESNO (pop. 705) 93673 Traver TULARE (pop. 732) 95255 West Point CALAVERAS (pop. 746) 95387 Westley STANISLAUS (pop. 747) 94970 Stinson Beach MARIN (pop. 751) 93201 Alpaugh TULARE (pop. 761) 95245 Mokelumne Hill CALAVERAS (pop. 774) 96027 Etna SISKIYOU (pop. 781) 93668 Tranquility FRESNO (pop. 813) 94956 Point Reyes Station MARIN (pop. 818) 95460 Mendocino MENDOCINO (pop. 824) 95641 Isleton SACRAMENTO (pop. 828) 95543 Gasquet DEL NORTE (pop. 851) 96118 Loyalton SIERRA (pop. 862) 96023 Dorris SISKIYOU (pop. 886) 95634 Georgetown EL DORADO (pop. 962) 92275 Salton City IMPERIAL (pop. 978) 95669 Plymouth AMADOR (pop. 980) 93527 Inyokern KERN (pop. 984) 95461 Middletown LAKE (pop. 1020) 96134 Tulelake SISKIYOU (pop. 1020) 93606 Biola FRESNO (pop. 1037) 95925 Challenge YUBA (pop. 1069) 95236 Linden SAN JOAQUIN (pop. 1103) 93265 Springville TULARE (pop. 1109) 93252 Maricopa KERN (pop. 1111) 95525 Blue Lake HUMBOLDT (pop. 1135) 92257 Niland IMPERIAL (pop. 1143) 95947 Greenville PLUMAS (pop. 1160) 95428 Covelo MENDOCINO (pop. 1175) 95560 Redway HUMBOLDT (pop. 1188) 93040 Piru VENTURA (pop. 1196) 95547 Hydesville HUMBOLDT (pop. 1209) 93242 Laton FRESNO (pop. 1236) 94924 Bolinas MARIN (pop. 1246) 96073 Palo Cedro SHASTA (pop. 1247) 93266 Stratford KINGS (pop. 1264) 93206 Buttonwillow KERN (pop. 1266) 95465 Occidental SONOMA (pop. 1272) 95454 Laytonville MENDOCINO (pop. 1301) 96052 Lewiston TRINITY (pop. 1305) 96057 McCloud SISKIYOU (pop. 1343) 93513 Big Pine INYO (pop. 1350) 93440 Los Alamos SANTA BARBARA (pop. 1372) 95338 Mariposa MARIPOSA (pop. 1373) 95415 Boonville MENDOCINO (pop. 1379) 95536 Ferndale HUMBOLDT (pop. 1382) 94937 Inverness MARIN (pop. 1421) 94923 Bodega Bay SONOMA (pop. 1423) 93451 San Miguel SAN LUIS OBISPO (pop. 1427) 93925 Chualar MONTEREY (pop. 1444) 96064 Montague SISKIYOU (pop. 1456) 95713 Colfax PLACER (pop. 1496) 93239 Kettleman City KINGS (pop. 1499) 91962 Pine Valley SAN DIEGO (pop. 1501) 95045 San Juan Bautista SAN BENITO (pop. 1549) 95246 Mountain Ranch CALAVERAS (pop. 1557) 92036 Julian SAN DIEGO (pop. 1621) 92273 Seeley IMPERIAL (pop. 1624) 95426 Cobb LAKE (pop. 1638) 93545 Lone Pine INYO (pop. 1655) 93238 Kernville KERN (pop. 1736) 95573 Willow Creek HUMBOLDT (pop. 1743) 96146 Olympic Village PLACER (pop. 1761) 93272 Tipton TULARE (pop. 1790) 95631 Foresthill PLACER (pop. 1791) 95917 Biggs BUTTE (pop. 1793) 94938 Lagunitas MARIN (pop. 1835) 95449 Hopland MENDOCINO (pop. 1839) 95627 Esparto YOLO (pop. 1858) 95971 Quincy PLUMAS (pop. 1879) 95951 Hamilton City GLENN (pop. 1903) 95445 Gualala MENDOCINO (pop. 1916) 96025 Dunsmuir SISKIYOU (pop. 1923) 92256 Morongo Valley SAN BERNARDINO (pop. 1929) 93249 Lost Hills KERN (pop. 1938) 96137 Westwood LASSEN (pop. 1998) 95567 Smith River DEL NORTE (pop. 2018) 93516 Boron KERN (pop. 2025) 93602 Auberry FRESNO (pop. 2053) 95247 Murphys CALAVERAS (pop. 2061) 93609 Caruthers FRESNO (pop. 2103) 92281 Westmorland IMPERIAL (pop. 2131) 96088 Shingletown SHASTA (pop. 2222) 92230 Cabazon RIVERSIDE (pop. 2229) 93271 Three Rivers TULARE (pop. 2248) 95692 Wheatland YUBA (pop. 2275) 93285 Wofford Heights KERN (pop. 2276) 96041 Hayfork TRINITY (pop. 2315) 96020 Chester PLUMAS (pop. 2316) 95912 Arbuckle COLUSA (pop. 2332) 93222 Frazier Park KERN (pop. 2348) 93283 Weldon KERN (pop. 2387) 93656 Riverdale FRESNO (pop. 2416) 92004 Borrego Springs SAN DIEGO (pop. 2535) 95542 Garberville HUMBOLDT (pop. 2593) 95249 San Andreas CALAVERAS (pop. 2615) 93675 Squaw Valley FRESNO (pop. 2691) 95441 Geyserville SONOMA (pop. 2812) 95546 Hoopa HUMBOLDT (pop. 3074) 94508 Angwin NAPA (pop. 3148) 95237 Lockeford SAN JOAQUIN (pop. 3179) 95321 Groveland TUOLUMNE (pop. 3388) 92549 Idyllwild RIVERSIDE (pop. 3504) 96093 Weaverville TRINITY (pop. 3554) 93501 Mojave KERN (pop. 3836) 95223 Arnold CALAVERAS (pop. 4218) 95693 Wilton SACRAMENTO (pop. 4551) 92082 Valley Center SAN DIEGO (pop. 7323) 94592 Vallejo SOLANO (pop. 116760) Annual Premium Rural ZIP Code 11/9/2006 Page 16 State Farm Mutual Automobile Insurance Co. 2004 Class Plan 04-4521 CP

Widowed Drivers Pay 28% More at GEICO, Because of Marital Status $1,800 $1,600 $1,400 Annual Premium $1,200 $1,000 $800 $600 Married Widowed $400 $200 $0 San Diego Palm Springs Monterey Sacramento Red Bluff Rate quote for standard coverage for 49-year-old male good driver. Page 17 Source: GEICO.com.

Good Drivers Pay More than At-Fault Drivers, Because of ZIP Code $1,000 $900 $800 Annual Premium $700 $600 At-Fault Driver Clean Record $500 $400 $300 CUPERTINO v. SAN JOSE Liberty Mutual SAN DIEGO v. DEL MAR Amica RIDGECREST v. BAKERSFIELD Nationwide PALOS VERDES v. SOUTH LOS ANGELES Wawanesa WALNUT CREEK v. OAKLAND Progressive West Page 18 Source: California Department of Insurance, Premium Comparison website, www.insurance.ca.gov

San Francisco Driver with Clean Record Pays More for Basic Liability Insurance Than Marin Driver with At-Fault Accident, Because of ZIP Code $2,100 $1,900 $1,700 $1,500 $1,300 $1,100 Annual Premium $900 $700 $500 $300 AMICA MUTUAL ANCHOR GENERAL CALIFORNIA CAPITAL COAST NATIONAL COMMERCE WEST CSAA CSE SAFEGUARD ENCOMPASS EXPLORER FINANCIAL INDEMNITY FIREMAN'S FUND HARBOR SPECIALTY HAWAIIAN HUDSON LIBERTY MUTUAL LINCOLN GENERAL MERCURY PERMANENT GENERAL PROGRESSIVE QBE REPUBLIC INDEMNITY SAFECO SAFEWAY STERLING CASUALTY TOPA UNIGARD VIKING WAWANESA WESTERN GENERAL WESTERN UNITED San Francisco Good Driver (Sunset District) San Francisco Good Driver (Mission District) San Francisco Good Driver (Nob Hill) San Rafael Driver with At-Fault Accident 11/9/2006 Page 19 Source: California Department of Insurance, Premium Comparison website, www.insurance.ca.gov

REGULATION ' 2632.8(A) Adopted May 22, 1996 Effective August 4, 1996 ' 2632.8. Factor Weights (a) For each type of coverage, four factor weights shall be evaluated. These four weights are: one weight for each of the three mandatory factors listed in Section 2632.5(c)(1) through (3) and one for all the optional factor (from Section 2632.5(d)) weights averaged together. AMENDED REGULATION ' 2632.8(A) Adopted June 2, 2006 Effective August 13, 2006 Section 2632.8. Factor Weights. (a) For each type of coverage, factor weights shall be calculated for each of the three mandatory factors listed in Section 2632.5(c)(1) through (3) and for each of the optional factors the insurer elects to utilize in its class plan from Section 2632.5(d).... Page 20

Amended Regulation 2632.8 in Operation Partial Compliance under Transition Plan Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury/Property Damage Coverage, 2006-2007 Class Plan DRIVING SAFETY RECORD (mandatory) 31.50 Auto Rating Factor Gender, Marital Status Cost/Frequency ZIP Code Bands ANNUAL MILEAGE (mandatory) YEARS OF DRIVING EXPERIENCE (mandatory) Multiple Line Multi/Single Car Persistency Average of Optional Factors' Weights Academic Standing Driving Safety Education Usage of Vehicle Percentage Use by Driver Mature Driver Improvement 2nd Driver Characteristics 1.23 1.23 0.99 0.79 0.30 0.16 8.04 15.95 15.59 13.80 12.19 10.47 23.70 23.56 0.00 5.00 10.00 15.00 20.00 25.00 30.00 35.00 Weight 11/9/2006 Page 21 State Farm Mutual Automobile Insurance Co. 2006 Class Plan File No. 06-5331 CP, Exhibit 6

Amended Regulation 2632.8 in Operation Partial Compliance under Transition Plan Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury Coverage, 2006-2007 Class Plan Claims Frequency ZIP Code Bands 49.12 Auto Rating Factor DRIVING SAFETY RECORD (mandatory) Claims Severity ZIP Code Bands Multi-Vehicle (Multi-Car) ANNUAL MILES (mandatory) DRIVING EXPERIENCE (mandatory) Average of Optional Factors' Weights Vehicle Type Multi-Policy Gender Vehicle Characteristics Marital Status Academic Standing (Good Student) Persistency 2.29 2.11 5.60 15.69 15.00 13.93 13.42 12.38 23.72 23.70 26.59 31.28 33.88 Driver Training 0.93 0.00 5.00 10.00 15.00 20.00 25.00 30.00 35.00 40.00 45.00 50.00 Weight 11/9/2006 Page 22 Interinsurance Exchange of the Automobile Club 2006 Class Plan File No. 06-4392, Exhibit 6

Amended Regulation 2632.8 in Operation Full Compliance under Transition Plan Rating Factors Used by One of California's Largest Automobile Insurers Bodily Injury Coverage, 2006-2007 Class Plan DRIVING SAFETY RECORD (mandatory) 0.205 Claims Frequency ZIP Code Bands 0.124 ANNUAL MILES (mandatory) 0.114 Auto Rating Factor DRIVING EXPERIENCE (mandatory) Class/Years Experience Multi Vehicle Driver Use Claims Severity ZIP Code Bands Marital Status Average of Optional Factors' Weights Gender Persistency Multi Policy Academic Standing Driver Training Hybrid Marital Status/Gender 0.009 0.004 0.002 0.001 0.000 0.024 0.023 0.044 0.041 0.046 0.062 0.081 0.111 0.108 0.00 0.05 0.10 0.15 0.20 0.25 Weight 2/26/2007 Page 23 Government Employees Insurance Company (GEICO) 2007 Class Plan No. 07-64 CP, Exhibit 6