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| Hollywood | | Why not take advantage of current | | Open Rating: A system whereby a |
| Beaumont | | low prices? Many auto insurance | | state allows an insurer to use rates |
| Greeley | | consumers are becoming educated | | without prior approval. |
| Chesapeake | | on other companies, plans, and rates | | |
| Fremont | | that are available to them; ones that | | Legislative Risk: A risk faced by |
| Bay City | | could afford them significant savings | | investors whereby changes in tax |
| San Diego | | on their auto insurance. | | laws can result in adverse effects on |
| Jacksonville | | | | the individual's investment results. |
| Florence | | Shopping around is the best way to | | |
| Fullerton | | save money on your insurance. | | Premium: The price of insurance |
| Spartanburg | | | | protection for a specified risk for a |
| Vancouver | | While some companies raise their | | specified period of time. |
| Long Beach | | prices based on your actual age, | | |
| El Cajon | | most companies increase the price of | | Net Retention: The amount of |
| Athens | | their policies six months before your | | insurance that a ceding company |
| Troy | | birthday. Its a term called Age | | keeps for its own account and does |
| Greenville | | Nearest in the industry, and that | | not reinsure. |
| Hot Springs | | half-year price increase could really | | |
| Rochester | | add up over a 20-year term policy. As | | Capital Sum: The maximum lump sum |
| Vancouver | | above, the quicker you purchase your | | payable in the event of accidental |
| Little Rock | | policy the better. | | death or dismemberment. |
