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Merit rating is another way that basic rates are often modiļæ½fied. The type of merit rating QuotesChimp are most likely to run into is experience rating. In experience rating, factors that make a person a preferred, substandard, or standard risk (e.g., a person's driving record in auto insurance) are looked into and the premium is adjusted up, down, or not at all, as the underwriter deems appropriate.