الفهرس 
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Abstract
The research proposes alternative tariff systems to estimate the pure premium for The Misr Insurance Company the biggest insurance company in Egypt, which has 46.39% of the automobile insurance market share for comprehensive automobile portfolio. The proposed tariff systems construct insurance rate for each risk class according to the risk factors that might affect the loss instead of a fixed rate that is applied by the company. Three different statistical models are used: Generalized Linear Model (GLM), Generalized Linear Mixed Model (GLMM) and Generalized Additive Model (GAM) using Tweedie, Gamma and Poisson distributions. Furthermore, the research tried to findan evidence that GLMM can encompass credibility theory by extracting credibility factors from GLMM and comparing them with Bhlmann Straub and Empirical Bayes Credibility Theory II (EBCT II) credibilityfactors.