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| Charleston | | If you have noticed that your auto | | Captive Agent: One who sells |
| Vancouver | | insurance rates are still increasing | | insurance for only one company as |
| Chula Vista | | with each renewal, or even have not | | opposed to an agent who represents |
| Longview | | gone down even though you have a | | several companies. |
| Boulder | | great driving record, this lower pricing | | |
| Sioux City | | trend makes it more important then | | Basic Rate: The manual rate from |
| Palm Harbor | | ever that you shop around for auto | | which discounts are taken or to which |
| Huntsville | | insurance. | | charges are added to reflect the |
| Saginaw | | | | individual circumstances of a risk. |
| Vineland | | Why not take advantage of current | | |
| Miami | | low prices? Many auto insurance | | Losses Incurred: The total losses, |
| Spring Hill | | consumers are becoming educated | | whether paid or not, sustained by an |
| Warwick | | on other companies, plans, and rates | | insurer during a given period, e.g., 12 |
| Longview | | that are available to them; ones that | | months. |
| Columbia | | could afford them significant savings | | |
| St. Louis | | on their auto insurance. | | Fictitious Groups: Groups formed |
| Lancaster | | | | primarily for the purpose of buying |
| Lancaster | | The quickest and easiest way to | | insurance. Under the law such groups |
| Stuart | | shop for new insurance is by | | may not be underwritten. |
| San Bernardino | | comparing rates at InsWebs online | | |
| Durham | | marketplace. If you do it the | | Provisions: Statements contained in |
| Downey | | old-fashioned way (by calling or | | an insurance policy which explain the |
| Reading | | visiting multiple agents or insurance | | benefits, conditions and other |
| Las Vegas | | companies) it could take up a huge | | features of the insurance contract. |
| Las Cruces | | chunk of your time, which no one | | |
| Madison | | wants or needs. By completing | | Buy-Back" Deductible: A deductible |
| Lawrenceville | | InsWebs online application, you will | | which may be eliminated for an |
| Jersey City | | have rates to compare to your old | | additional premium in order to |
| York | | ones within minutes! | | provide "first-dollar" coverage. |
