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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Research Studies

Information is available for the following areas:


Information Related to Class Plan Development

Auto Studies

  • Auto Rating Factors:
    • Measuring and Modifying the Effect of Auto Rating Factors
    • Impact Analysis of Weighting Auto Rating Factors to Comply with Proposition 103
    • Modeling Personal Lines Automobile Insurance in California: Development and Application to a Pay-At-The-Pump Proposal
    • One Approach to Eliminating Age, Marital Status, and Gender Rating Factors in Private Passenger Automobile Insurance While Minimizing Premium Dislocation
    • Methods For Weighting Automobile Rating Factors Under Proposition 103
    • Auto Insurance in California: Differentials in Industrywide Pure Premiums and Company Territory Relativities between Adjacent Zipcodes
  • Methodology and Data Used to Develop the California Private Passenger Auto Frequency and Severity Bands Manual
  • Errors in Self-reported Mileage for California Vehicles
  • Uninsured Motorists:
    • Estimating Uninsured Vehicle & Unregistered Vehicle Rate: Sensitivity to Data and Assumptions
    • Characteristics of Uninsured Motorist
    • California Uninsured Vehicles as of June 1, 1997
    • California's Uninsured: Preliminary Report
    • Estimating the Uninsured Vehicle Rate from the Uninsured Motorist/ Bodily Injury Ratio¹


Health Studies

Earthquake and Fire Data Call Circular EF-2002 with FAQ

Homeowners Studies

  • Spatial Analysis of Frequency and Severity for Water versus Non-water Homeowners Claims in California
  • Underwriting Guidelines and Access to Homeowners Insurance

If you would like to obtain a paper copy of a research report, contact the Policy Research Division stating the title you are interested in and your complete address.


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