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| Knoxville | | If you have noticed that your auto | | Substandard Risk: A risk not |
| Duluth | | insurance rates are still increasing | | measuring up to underwriting |
| West Chester | | with each renewal, or even have not | | standards. It may still be written but |
| Berkeley | | gone down even though you have a | | usually at a surcharged premium. |
| Fredericksburg | | great driving record, this lower pricing | | |
| Fort Collins | | trend makes it more important then | | Indemnify: To restore the victim of a |
| Cherry Hill | | ever that you shop around for auto | | loss to the same position as before |
| Joliet | | insurance. | | the loss occurred. |