The Grid rating program was developed to set maximum premiums that insurance companies can charge for basic coverage for any driving record. This Grid calculator will allow you to determine your grid premium and show you how the grid rating program operates.
As the premium grid sets the maximum chargeable premium for basic coverage, most drivers (approximately 90%) do not pay these premiums. Many drivers with less experience are capped by the grid. Insurance companies must compare a driver's premium under their current rating program to a driver's premium on the grid and charge you the lesser of the two premiums.
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