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| Sarasota | | While some companies raise their | | Replacement: A new policy written to |
| Allentown | | prices based on your actual age, | | take the place of one currently in force. |
| Lake Charles | | most companies increase the price of | | |
| Pittsburgh | | their policies six months before your | | Gross Premium: The net premium |
| Dearborn | | birthday. Its a term called Age | | plus operating expenses, |
| Alexandria | | Nearest in the industry, and that | | commissions and other expenses. |
| Grand Rapids | | half-year price increase could really | | |
| Macon | | add up over a 20-year term policy. As | | Agency: An insurance sales office |
| Jackson | | above, the quicker you purchase your | | which is directed by a agent, |
| Winter Park | | policy the better. | | manager, independent agent, or |
| Anaheim | | | | company manager. |
| Wilmington | | If you have noticed that your auto | | |
| Baltimore | | insurance rates are still increasing | | Gross Line: The total limit accepted |
| Abilene | | with each renewal, or even have not | | by an insurer on an individual risk, |
| Cape Coral | | gone down even though you have a | | including the amount to be reinsured. |
| Cincinnati | | great driving record, this lower pricing | | |
| Warwick | | trend makes it more important then | | Sole Proprietorship: A business |
| Boulder | | ever that you shop around for auto | | enterprise owned by one person who |
| Conroe | | insurance. | | is its manager and employee. |
