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| Atlanta | | If you have noticed that your auto | | Independent Contractor: One who |
| Henderson | | insurance rates are still increasing | | agrees to perform according to a |
| Fredericksburg | | with each renewal, or even have not | | contract and who is not an employee. |
| Springfield | | gone down even though you have a | | |
| Billings | | great driving record, this lower pricing | | Basic Rate: The manual rate from |
| Hendersonville | | trend makes it more important then | | which discounts are taken or to which |
| Fremont | | ever that you shop around for auto | | charges are added to reflect the |
| Washington | | insurance. | | individual circumstances of a risk. |