Vault Reciprocal Exchange is introducing a 5% overall rate decrease for its Georgia private passenger auto program, which targets high net worth customers. The filing affects 197 policyholders representing approximately $1.5 million in written premium.

The company said the actuarially indicated change was a larger 10.9% decrease, but selected a smaller 5% reduction. Individual policy impacts range from a 32.9% decrease to a 44.9% increase. The proposed effective dates are July 6, 2026 for new business and August 6, 2026 for renewals.

The filing provides a detailed look into how Vault prices affluent drivers and vehicles.

Vault continues to use a highly segmented rating structure with factors tied to marital status, age, annual mileage, loyalty, vehicle storage, agreed value coverage, parking location, flood deductible selection, and vehicle characteristics.

One notable feature is the company’s agreed value approach, which is more common in collector and specialty auto markets. The filing includes separate agreed value and custom equipment rating components, alongside flood deductibles and seasonal use discounts aimed at infrequently used vehicles.

The filing also shows how aggressively Vault prices younger and single drivers compared to married policyholders. For example, single 16-year-old male drivers carry a 4.982 BI/PD factor compared to 4.056 for married males of the same age.

Vault’s program includes loyalty discounts tied to home, excess, and collections policies, reinforcing the company’s broader high net worth account strategy. Multi-car discounts and vehicle storage discounts also remain part of the program.

The filing revises multiple rating components, including base rates, territory factors, vehicle symbols, agreed value factors, deductible adjustments, and flood deductible factors.

According to the filing description, Vault positions the program specifically for “individuals with higher-valued assets.”