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| Lancaster | | If you have noticed that your auto | | Business: In Property, Liability, and |
| Tuscaloosa | | insurance rates are still increasing | | Health lines, it usually refers to the |
| Troy | | with each renewal, or even have not | | volume of premiums. |
| Southfield | | gone down even though you have a | | |
| Macon | | great driving record, this lower pricing | | Equity: The money value of an |
| Columbus | | trend makes it more important then | | insurance company that is over and |
| Spring Hill | | ever that you shop around for auto | | above its liabilities. Liabilities include |
| Lakeland | | insurance. | | almost all of its reserves. |