Thank you for your continued support of Frankenmuth Insurance.  We are having a profitable year in Ohio, especially in the Auto line where the year-to-date loss ratio stands at 52.1%.

Our #1 goal is to profitably grow our personal lines business with each of you.  To assist in this effort, we are implementing an overall decrease of -2.2%, effective December 1, 2014.

Specific changes are as follows:

• ? Coverage Base Rates: 

-5.4%   Bodily Injury    

-5.6%   Property Damage   

-5.6%   Uninsured / Underinsured Motorists 

+1.1%  Other than Collision  

+2.3%  Collision    

-2.2%  Overall Auto Change

• ? Loss History Discounts:  We are increasing the discount of the 3 and 5 year Loss History discounts by 3%.
• ? Insurance Score:  We are increasing the rates on the Low Insurance Score tiers (tiers P-X)  by 15%. 
• ? Incident Points:  We are increasing our incident 1 and 2 point rates by 5%. 
• ? Trailers – Utility Trailers: Base rates for Other than Collision and Collision will increase 20%. 

I know most of you have met our new Personal Lines Field Manager, Leslie Petulla.  She is traveling the territory and is looking forward to writing new business with you. 

We encourage you to quote Frankenmuth Insurance on all your new business.  I know you will find us to be more competitive on a broader selection of risks.  If you have any questions, please do not hesitate to contact Leslie Petulla, your Personal Lines Underwriter, or me. 
 
Thanks for thinking of Frankenmuth Insurance.