Phelan Insurance

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Anderson	If you have noticed that your auto	Net Loss: The amount of loss
Macon	insurance rates are still increasing	sustained by an insurer after giving
Oklahoma City	with each renewal, or even have not	effect to all applicable reinsurance,
Hampton	gone down even though you have a	salvage, and subrogation recoveries.
Lancaster	great driving record, this lower pricing
Washington	trend makes it more important then	American Risk and Insurance
Berkeley	ever that you shop around for auto	Association: An association of
Erie	insurance.	insurance educators and others
Long Beach		interested in insurance study and
Grand Rapids	While some companies raise their	research.
Muskegon	prices based on your actual age,
Fullerton	most companies increase the price of	Policy Period (or Term): The period
Lafayette	their policies six months before your	during which the policy contract
Columbus	birthday. Its a term called Age	affords protection, e.g., six months or
Boynton Beach	Nearest in the industry, and that	one or three years.
Albany	half-year price increase could really
Portland	add up over a 20-year term policy. As	Gross Line: The total limit accepted
Downey	above, the quicker you purchase your	by an insurer on an individual risk,
Columbus	policy the better.	including the amount to be reinsured.