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| White Plains | | Why not take advantage of current | | Book Value: Refers to the value of |
| Plano | | low prices? Many auto insurance | | assets as shown in the official |
| Davenport | | consumers are becoming educated | | accounting records of the company. |
| Fullerton | | on other companies, plans, and rates | | |
| Scranton | | that are available to them; ones that | | Substandard Risk: A risk not |
| Fall River | | could afford them significant savings | | measuring up to underwriting |
| Elkhart | | on their auto insurance. | | standards. It may still be written but |
| Greeley | | | | usually at a surcharged premium. |
| Orlando | | Healthy people have the best | | |
| Belleville | | mortality risks and thus are much | | Endorsement: A written or printed form |
| Killeen | | cheaper for companies to insure. This | | attached to the policy which alters |
| Huntington Beach | | translates into lower rates for the | | provisions of the contract. |
| Chicago | | Super Preferred customer than | | |
| Los Angeles | | someone with higher risk factors such | | Accident Year Experience: Measures |
| Overland Park | | as a heart condition, cancer or | | premiums and losses relating to |
| Rome | | diabetes. Conversely, if you were | | accidents which occurred during a |
| Nashville | | unhealthy when you acquired your | | 12-month period. |
| Orange Park | | policy, and your health has now | | |
| Council Bluffs | | improved, it might be time to shop for | | Amendment: A formal document |
| Tulsa | | a new policy, as your rates are likely | | which corrects or revises an |
| Myrtle Beach | | to be lower. | | insurance master policy. |
