Thanks to your support we continued our personal lines growth in 2010.  We grew by 11.7% in overall personal lines written premium and specifically 10.8% in the auto line.  We appreciate you keeping Frankenmuth Insurance in mind on all your new business opportunities. 

Effective May 1, 2011, we are making some minor adjustments to our personal lines auto rates.  We feel these changes are necessary to keep up with rising repair costs.  Specifically, we will be making the following adjustments: 

·         Our Increased Limit Factors (ILF) for Bodily Injury/Property Damage and CSL have been adjusted to more accurately reflect those used by ISO 

·         The experience Point Factors for Adult operators will increase slightly for the 1 Incident Point factor and Youthful operators will increase slightly at factors for 0 and 1 Incident Point 

In spite of these adjustments, we remain a competitive personal lines market for your customers, particularly in combination with our homeowner’s policy. 

We want to be your first choice for personal lines auto business.  All of us at Frankenmuth Insurance thank you for your continued loyalty.