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#freeze [[:config/plugin]] Merit rating is another way that basic rates are often modi?fied. The type of merit rating Quotes Chimp are most likely to run into is experience rating. In experience rating, factors that make a person a preferred, substandard, or standard risk (e.g., a person's driving record in auto insurance) are looked into and the premium is adjusted up, down, or not at all, as the underwriter deems appropriate. #ls2
