Sentry Select Insurance Company (SSIC) has filed a rate and rule revision in Michigan for its Motorcycle Platinum program under the Personal Auto line (TOI 19.0), effective January 20, 2026, for new business and February 14, 2026, for renewals. The filing impacts 3,817 policyholders and $3.77 million in written premium, reflecting an overall rate increase of 0.7%.

The update revises several rating components, including Base Rates, Age and Expense Tables, Limit Factors, Model Year, and Territory Codes, while introducing a new Rate Capping Rule (C70.5) to limit drastic premium swings. The rate capping formula calculates a “True Premium Change Percentage” by comparing each customer’s new premium to the prior adjusted term.

The filing also maintains an Advance Quote Discount for policies quoted at least one day before the effective date and a Transfer Discount based on policy tenure and prior coverage. Expense ratios are set at 12.5% for commissions and 16.6% for fixed expenses.

While the average rate impact is minimal, individual policy changes range from –38.2% to +61.5%, reflecting the program’s detailed risk segmentation factors, which include household composition, number of drivers, and claims history.