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| Warwick | | Why not take advantage of current | | Net Interest Earned: The average |
| Pittsburgh | | low prices? Many auto insurance | | interest earned by an insurer on its |
| Duluth | | consumers are becoming educated | | investments after investment expense |
| Chesapeake | | on other companies, plans, and rates | | but before federal income taxes. |
| Delray Beach | | that are available to them; ones that | | |
| Council Bluffs | | could afford them significant savings | | Provisions: Statements contained in |
| Longview | | on their auto insurance. | | an insurance policy which explain the |
| Daytona Beach | | | | benefits, conditions and other |
| Cranston | | Healthy people have the best | | features of the insurance contract. |
| Norwalk | | mortality risks and thus are much | | |
| Grand Prairie | | cheaper for companies to insure. This | | Liquidity: The ability of an insurer to |
| Woodbridge | | translates into lower rates for the | | convert its assets into cash to pay |
| Rochester | | Super Preferred customer than | | claims if necessary. |
| Garland | | someone with higher risk factors such | | |
| Orange Park | | as a heart condition, cancer or | | Theory of Probability: The |
| Staten Island | | diabetes. Conversely, if you were | | mathematical principle upon which |
| North Hollywood | | unhealthy when you acquired your | | insurance is based. |
| Evansville | | policy, and your health has now | | |
| Duluth | | improved, it might be time to shop for | | Deficit Carried Forward: The transfer |
| Chula Vista | | a new policy, as your rates are likely | | of a debit balance from one |
| Hemet | | to be lower. | | accounting period to another. |
