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Merchants Insurance Group has introduced Merchants Flexible Choice Auto in New York, effective Jan. 5 for new business and March 15 for renewals. This is a redesigned private passenger automobile insurance product featuring rate reductions and new underwriting eligibility criteria, rating variables and coverages. It includes 16 rating tiers, new geographic territories, a new class plan and new rating factors such as ratio of drivers to vehicles, vehicle age and body type.

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