site <- 'http://cran.r-project.org'
if (!require('dummies')) {
    install.packages('dummies', repos = site)
}
if (!require('insuranceData')) {
    install.packages('insuranceData', repos = site)
}

library(dummies)
library(insuranceData)

data(AutoClaims)
data <- AutoClaims

data$STATE <- as.factor(data$STATE)
data$CLASS <- as.factor(data$CLASS)
data$GENDER <- as.factor(data$GENDER)

data.dummy <- dummy.data.frame(
    data
    , dummy.class = 'factor'
    , omit.constants = TRUE
)
write.table(
    data.dummy
    , 'autoclaims.csv'
    , sep = ','
    , row.names = FALSE
    , col.names = FALSE
    , quote = FALSE
)