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| Reading | | If you have noticed that your auto | | Gross Line: The total limit accepted |
| Fairfax | | insurance rates are still increasing | | by an insurer on an individual risk, |
| Torrance | | with each renewal, or even have not | | including the amount to be reinsured. |
| Sumter | | gone down even though you have a | | |
| San Jose | | great driving record, this lower pricing | | Net Retention: The amount of |
| Tallahassee | | trend makes it more important then | | insurance that a ceding company |
| Henderson | | ever that you shop around for auto | | keeps for its own account and does |
| Panama City | | insurance. | | not reinsure. |