How Insurance Rates Are Calculated

To determine the distance between the terminal points, take one-half of the total distance travelled by the bus from the time it leaves the headquarters terminal until it returns to the headquarters terminal. Compare direct auto insurance rates online.

The highest rated territory shall be determined for each form of coverage separately and the total premium for, each form of coverage shall be computed accordingly.

Hotel or Camp Bus is an automobile of Camp Busses any type operated by a hotel, summer camp or other resort for the transportation of passengers and baggage to and from railroad stations or docks, excluding other passenger carrying use, and shall be written as follows:

If a bus or commercial car—at 20% less than the Private Livery premiums for Public Liability and Property Damage subject to minimum premiums equal to the premiums for a “Y” car in the territory, and at 50% of the Bus premiums for Collision.

If a private passenger car—at 40% less than the Private Livery premiums for Public Liability and Property Damage subject to minimum premiums equal to the premiums for a “Y” car in the territory, and at the full Private Livery premiums for Collision.

Commercial cars used by hotels, summer camps or other resorts for obtaining supplies or for other commercial delivery work (not for carrying passengers) shall be written at the regular Commercial rates.
A School Bus is an automobile of any type Busses used to carry school children and teachers to and from the school or to and from games and outings. If other passenger carrying use is excluded, such auto-mobiles shall be written as follows:


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