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| New Orleans | | Why not take advantage of current | | Depreciation: A decrease in the value |
| Sumter | | low prices? Many auto insurance | | of any type of tangible property over |
| Grand Rapids | | consumers are becoming educated | | a period of time resulting from use, |
| Sumter | | on other companies, plans, and rates | | wear and tear, or obsolescence. |
| Yuma | | that are available to them; ones that | | |
| Racine | | could afford them significant savings | | Claim Expense: The expense of |
| Council Bluffs | | on their auto insurance. | | adjusting a claim, such as |
| Fremont | | | | investigation and attorneys' fees. It |
| Yuma | | We offer quotes for auto insurance, | | does not include the cost of the claim |
| Oxnard | | life insurance, homeowners | | itself. |
| Honolulu | | insurance, health insurance, term life | | |
| Williamsport | | insurance and more. | | Underwriters Laboratories, Inc. (UL): A |
| Westbury | | | | testing laboratory for manufactured |
| Gainesville | | If you have noticed that your auto | | items to determine their safety |
| Jackson | | insurance rates are still increasing | | propensities. |
| San Diego | | with each renewal, or even have not | | |
| Milwaukee | | gone down even though you have a | | Mutualization: The process of |
| Fort Smith | | great driving record, this lower pricing | | converting a stock insurer to a mutual |
| Franklin | | trend makes it more important then | | insurer, accomplished by having the |
| San Antonio | | ever that you shop around for auto | | insurer buy stock and retire it. |
| Denver | | insurance. | | |
| Bakersfield | | | | Equity: The money value of an |
| Hickory | | Healthy people have the best | | insurance company that is over and |
| Oceanside | | mortality risks and thus are much | | above its liabilities. Liabilities include |
| Hickory | | cheaper for companies to insure. This | | almost all of its reserves. |
| Trenton | | translates into lower rates for the | | |
| Grand Junction | | Super Preferred customer than | | Partnership Entity: The partnership |
| Santa Barbara | | someone with higher risk factors such | | considered as an entity and not in |
| Naperville | | as a heart condition, cancer or | | terms of its individual part-owners. |
| Pittsburgh | | diabetes. Conversely, if you were | | |
| Eugene | | unhealthy when you acquired your | | Stock Option Plan: Surviving |
| Oxnard | | policy, and your health has now | | stockholders have the option to |
| Denver | | improved, it might be time to shop for | | purchase or not purchase the shares |
| Abilene | | a new policy, as your rates are likely | | of a deceased stockholder. |
| Wilmington | | to be lower. | | |
