Traders Insurance Company has updated rates and rules for its Classic private passenger auto program in Oklahoma, with the changes effective February 4, 2026 for new business and March 6, 2026 for renewals.

The program currently represents about $3.3 million in written premium across 966 policyholders. The update produces a modest rate decrease, with an indicated change of -3.7% and an overall rate impact of about -0.5%, reducing premiums by roughly $16,700 across the book.

The filing updates territory base rates, limit factors, fees, ZIP-to-territory assignments, and underwriting rules. Base premiums vary by territory, and the program includes roadside assistance coverage priced at $48, typically delivered through roadside assistance networks such as Agero, a common vendor supporting insurer towing and lockout services.

The underwriting guide reflects a nonstandard personal auto appetite. Eligible vehicles include private passenger cars, pickups, vans, and SUVs owned by individuals. The program excludes higher-end vehicles and certain uses, including vehicles valued above $50,000, luxury brands, commercial vehicles, and gig-economy activity such as Uber, Lyft, or delivery services.

Operational fees tied to billing and administration remain in place, including installment fees, SR-22 filing charges, late fees, and coverage gap fees.

Overall, the update appears to be routine maintenance of a relatively small regional book, with modest pricing adjustments and updated underwriting guidance rather than a material expansion of the program.