Jessie is happy with his seven-year-old car, but he is thinking of switching auto insurance carriers. His agent said the car was in model class A and that he would be assigned to driver class 3. For comparison with his current policy, he wants a price quote for 50/100/50 liability coverage, $500 deductible collision and $100 deductible comprehensive. Based on Table 19-6 and Table 19-7, what would be his total premium if he lives in territory 2 and has a rating factor of 1.4?

a. $306.00

b. $428.40

c. $436.97

d. $488.38

TABLE 19-6 Motor Vehicle Liability Insurance Annual Premiums_Bodily Injury and Property Damage Rates \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|c|c|} \hline \multirow[b]{2}{*}{Territory} & \multirow{2}{*}{\begin{tabular}{c} Driver \\ Class \end{tabular}} & \multicolumn{5}{|c|}{ Bodily Injury Coverage ($000)} & \multicolumn{5}{|c|}{ Property Damage Coverage (\$000) } \\ \hline & & 10/20 & 15/30 & 25/50 & 50/100 & 100/300 & 5 & 10 & 25 & 50 & 100 \\ \hline \multirow[t]{4}{*}{1} & 1 & $61 & $73 & $88 & $92 & $113 & $46 & $49 & $53 & $58 & $64 \\ \hline & 2 & 63 & 75 & 81 & 94 & 116 & 48 & 51 & 55 & 61 & 66 \\ \hline & 3 & 65 & 78 & 84 & 98 & 118 & 52 & 54 & 58 & 63 & 69 \\ \hline & 4 & 69 & 81 & 86 & 101 & 121 & 54 & 56 & 60 & 65 & 71 \\ \hline \multirow[t]{4}{*}{2} & 1 & 66 & 75 & 83 & 93 & 114 & 56 & 63 & 68 & 73 & 77 \\ \hline & 2 & 69 & 77 & 88 & 98 & 117 & 58 & 64 & 70 & 75 & 79 \\ \hline & 3 & 75 & 82 & 92 & 104 & 119 & 59 & 66 & 71 & 76 & 82 \\ \hline & 4 & 78 & 86 & 95 & 109 & 122 & 62 & 67 & 73 & 78 & 84 \\ \hline \multirow[t]{4}{*}{3} & 1 & 73 & 77 & 84 & 95 & 116 & 64 & 65 & 72 & 76 & 81 \\ \hline & 2 & 78 & 83 & 86 & 99 & 119 & 66 & 69 & 74 & 80 & 83 \\ \hline & 3 & 84 & 88 & 92 & 103 & 124 & 70 & 73 & 77 & 82 & 85 \\ \hline & 4 & 87 & 93 & 95 & 106 & 128 & 72 & 78 & 81 & 85 & 89 \\ \hline \multirow[t]{4}{*}{4} & 1 & 77 & 81 & 86 & 99 & 118 & 76 & 78 & 83 & 88 & 92 \\ \hline & 2 & 81 & 86 & 93 & 103 & 121 & 79 & 83 & 87 & 91 & 95 \\ \hline & 3 & 87 & 92 & 100 & 106 & 126 & 80 & 84 & 88 & 93 & 97 \\ \hline & 4 & 90 & 94 & 103 & 111 & 132 & 84 & 86 & 91 & 94 & 100 \\ \hline \end{tabular} TABLE 19-7 Motor Vehicle Insurance Annual Premiums-Collision and Comprehensive Rates \begin{tabular}{|c|c|c|c|c|c|c|c|c|c|} \hline \multirow[b]{3}{*}{\begin{tabular}{l} Model \\ Class \end{tabular}} & \multirow[b]{3}{*}{\begin{tabular}{c} Vehicle \\ Age \end{tabular}} & \multicolumn{4}{|c|}{ Territories 1 and 2} & \multicolumn{4}{|c|}{ Territories 3 and 4} \\ \hline & & \multicolumn{2}{|c|}{ Collision } & \multicolumn{2}{|c|}{ Comprehensive } & \multicolumn{2}{|c|}{ Collision } & \multicolumn{2}{|c|}{ Comprehensive } \\ \hline & & \begin{tabular}{c} $$250 \\ Deductible \end{tabular} & \begin{tabular}{c} $500 \\ Deductible \end{tabular} & \begin{tabular}{c} Full \\ Coverage \end{tabular} & \begin{tabular}{c} $100 \\ Deductible \end{tabular} & \begin{tabular}{c} $250 \\ Deductible \end{tabular} & \begin{tabular}{c} $500 \\ Deductible \end{tabular} & \begin{tabular}{c} Full \\ Coverage \end{tabular} & \begin{tabular}{c} $100 \\ Deductible \end{tabular} \\ \hline \multirow[t]{4}{*}{AG} & 01 & $89 & $81 & $63 & $59 & $95 & $88 & $67 & $61 \\ \hline & 23 & 87 & 79 & 60 & 57 & 93 & 84 & 63 & 58 \\ \hline & 45 & 86 & 77 & 58 & 54 & 89 & 81 & 60 & 57 \\ \hline & 6+ & 84 & 76 & 55 & 50 & 86 & 78 & 57 & 52 \\ \hline \multirow[t]{4}{*}{HL} & 01 & 96 & 92 & 78 & 71 & 104 & 95 & 83 & 75 \\ \hline & 23 & 93 & 89 & 76 & 68 & 101 & 90 & 80 & 72 \\ \hline & 45 & 89 & 85 & 74 & 66 & 96 & 87 & 78 & 68 \\ \hline & 6+ & 86 & 81 & 70 & 64 & 92 & 84 & 74 & 66 \\ \hline \multirow[t]{4}{*}{ M-R } & 01 & 108 & 104 & 86 & 83 & 112 & 106 & 91 & 88 \\ \hline & 23 & 104 & 101 & 83 & 79 & 109 & 104 & 88 & 82 \\ \hline & 45 & 100 & 98 & 79 & 75 & 104 & 101 & 84 & 77 \\ \hline & 6+ & 94 & 90 & 75 & 71 & 100 & 96 & 80 & 74 \\ \hline \multirow[t]{4}{*}{ S-Z } & 01 & 120 & 115 & 111 & 108 & 124 & 116 & 119 & 113 \\ \hline & 23 & 116 & 112 & 106 & 104 & 121 & 114 & 115 & 109 \\ \hline & 45 & 111 & 107 & 101 & 99 & 116 & 110 & 111 & 106 \\ \hline & 6+ & 108 & 103 & 98 & 96 & 111 & 107 & 108 & 101 \\ \hline \end{tabular}