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| Peoria | | Why not take advantage of current | | Expense Allowance: A compensation |
| Macon | | low prices? Many auto insurance | | paid to an insurance agent in excess |
| Warwick | | consumers are becoming educated | | of prescribed commissions. |
| Edison | | on other companies, plans, and rates | | |
| Toms River | | that are available to them; ones that | | Earned Income: The money |
| Biloxi | | could afford them significant savings | | individuals earn as a result of working |
| Harrisburg | | on their auto insurance. | | at some job or occupation for which |
| Longwood | | | | they are paid a salary. |
| Warren | | While some companies raise their | | |
| Killeen | | prices based on your actual age, | | Fictitious Groups: Groups formed |
| Arlington | | most companies increase the price of | | primarily for the purpose of buying |
| Kansas City | | their policies six months before your | | insurance. Under the law such groups |
| Fayetteville | | birthday. Its a term called Age | | may not be underwritten. |
| Rapid City | | Nearest in the industry, and that | | |
| Santa Monica | | half-year price increase could really | | Partnership Entity: The partnership |
| Cranston | | add up over a 20-year term policy. As | | considered as an entity and not in |
| Jackson | | above, the quicker you purchase your | | terms of its individual part-owners. |
| Cookeville | | policy the better. | | |
| Livonia | | | | Depreciation: A decrease in the value |
| Los Angeles | | If you have noticed that your auto | | of any type of tangible property over |
| Bakersfield | | insurance rates are still increasing | | a period of time resulting from use, |
| Williamsport | | with each renewal, or even have not | | wear and tear, or obsolescence. |
| Atlanta | | gone down even though you have a | | |
| Joliet | | great driving record, this lower pricing | | Level Commission System: A system |
| Lima | | trend makes it more important then | | of commissions in which the first year |
| Stamford | | ever that you shop around for auto | | and all renewal commissions are the |
| West Palm Beach | | insurance. | | same percentage of the premium. |
