Under Ins. Code § 1861.02(a), the three mandatory rating factors for private passenger automobile insurance in California must be applied in what statutorily prescribed order of importance?

Why this is the answer

Ins. Code § 1861.02(a) requires that California private passenger auto rates be set using three mandatory factors applied in decreasing order of weight: (1) the insured's driving safety record, (2) annual mileage, and (3) years of driving experience. The statute prohibits any optional factor from carrying more weight than the third mandatory factor. ZIP code is not on this list — and 1861.02(c) further forbids using ZIP code, gender, marital status, or absence of prior coverage as anything more than secondary optional factors. The Commissioner enforces the order through the factor-weight test of 10 CCR § 2632.8, applied to relativities developed by the sequential analysis of 10 CCR § 2632.7. See Ins. Code § 1861.02.