Delaware Private Passenger Automobile Insurance Allstate Indemnity Company March 20, 2012 Ed Clark, State Manager Wasim Chowdhury, Assistant Actuary

2 Overview Allstate Indemnity Company Currently has 1238 policyholders, represents 3.4% of our policies in Delaware, 4.8% of the households we insure Insures higher risk drivers due to history of accidents and/or moving violations or drivers without prior insurance Rate change pending: requested a 15% average premium increase, agreed with INS Consultants to reduce to 8.5%  Current Average 6 month premium: $830  Average proposed increase: $70  Last rate change: July 2008, decrease of 13.1%  Last premium increase: December 2002 If questions, contact your local Allstate Agency, 1(800) Allstate or Allstate.com

3 Historical Data

4 Discounts Available Allstate Easy Pay Discount (6%) Homeownership Discount (5%) Defensive Driver Discount (up to 15% on liability coverages) Resident Student Discount (up 35% on certain coverages) Good Student Discount (up to 20%) Senior Adult Discount (15% on PIP Coverage) Passive Restraint Discount (up to 30% on PIP Coverage) Performance Discount (varies by coverage, about 12%) Antilock Brake Discount (10% on a few coverages) The Good Hands People Discount (10%) Good Payer Discount (5%) Multiple Policy Discount (7%) Future Effective Date Discount (5%)

5 Discounts Available Allstate ® Easy Pay Discount (6%) - Applies when the policy premium is paid through the Allstate® Easy Pay Plan Homeownership Discount (5%) - Applies when the named insured and/or spouse owns a home, townhome, condominium or mobilehome Defensive Driver Discount (up to 15% on liability coverages) - Applies when an operator receives a certificate certifying voluntary attendance and successful completion of an accident prevention course or motorcycle rider course approved by the Insurance Commissioner.