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| Salem | | If you have noticed that your auto | | Open Rating: A system whereby a |
| Pensacola | | insurance rates are still increasing | | state allows an insurer to use rates |
| Ogden | | with each renewal, or even have not | | without prior approval. |
| Houston | | gone down even though you have a | | |
| Chattanooga | | great driving record, this lower pricing | | Mutualization: The process of |
| Southfield | | trend makes it more important then | | converting a stock insurer to a mutual |
| Burbank | | ever that you shop around for auto | | insurer, accomplished by having the |
| Alpharetta | | insurance. | | insurer buy stock and retire it. |
