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| Cincinnati | | Why not take advantage of current | | Deflation: An economic period |
| Newport Beach | | low prices? Many auto insurance | | characterized by falling prices, high |
| Palm Desert | | consumers are becoming educated | | unemployment and a generally |
| Muncie | | on other companies, plans, and rates | | sluggish or slow economy. |
| Dayton | | that are available to them; ones that | | |
| Grand Prairie | | could afford them significant savings | | Incurred Expense: Expenses not yet |
| Newport Beach | | on their auto insurance. | | paid. Can also include paid |
| Mesa | | | | expenses in some accounting |
| Seattle | | Make sure you have a new policy in | | systems. |
| Slidell | | place before you cancel your old one | | |
| Oklahoma City | | to avoid a lapse in coverage. This will | | Will Ride: Coverage that remains in |
| Monroe | | also prevent having to figure out the | | effect regardless of the geographical |
| Florence | | amount of any unused premium that is | | location in which a loss occurs. |
| Saginaw | | due to you from your old insurance | | |
| Henderson | | company, or having to spar with your | | Index Bureau Experience: A measure |
| Fremont | | agent about exactly when your policy | | of losses relating to claims reported |
| Rome | | was cancelled and how much they | | through a claim office during a |
| Anaheim | | owe you. | | 12-month period. |
