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| Baltimore | | If you have noticed that your auto | | Domestic Insurer (or Company): An |
| Midland | | insurance rates are still increasing | | insurer formed under the laws of the |
| Waco | | with each renewal, or even have not | | state in which the insurance is written. |
| Spartanburg | | gone down even though you have a | | |
| Anderson | | great driving record, this lower pricing | | Will Ride: Coverage that remains in |
| Madison | | trend makes it more important then | | effect regardless of the geographical |
| Ann Arbor | | ever that you shop around for auto | | location in which a loss occurs. |
| Flint | | insurance. | | |
| Fullerton | | | | Net Interest Earned: The average |
| St. Paul | | At InsWeb, you can compare free | | interest earned by an insurer on its |
| Biloxi | | online insurance quotes from many of | | investments after investment expense |
| Trenton | | the nations leading insurance | | but before federal income taxes. |
| Indianapolis | | companies. | | |
| Yonkers | | | | Endorsement: A written or printed form |
| Corona | | Healthy people have the best | | attached to the policy which alters |
| Arlington | | mortality risks and thus are much | | provisions of the contract. |
| Torrance | | cheaper for companies to insure. This | | |
| Stockbridge | | translates into lower rates for the | | Agent's Qualification Law: Education, |
| Orlando | | Super Preferred customer than | | experience, and other requirements |
| Modesto | | someone with higher risk factors such | | imposed by the state upon persons |
| Jasper | | as a heart condition, cancer or | | desiring to be licensed as agents. |
| Corpus Christi | | diabetes. Conversely, if you were | | |
| Winter Haven | | unhealthy when you acquired your | | Foreign Insurer: An insurer domiciled |
| Kansas City | | policy, and your health has now | | in a state of the United States other |
| Woodbridge | | improved, it might be time to shop for | | than the one in which the insured's |
| Baltimore | | a new policy, as your rates are likely | | insurance is written. |
| Sunnyvale | | to be lower. | | |
| Richmond | | | | Preferred Risk: Any risk considered |
| Canton | | Individuals who have 30-year | | to be better than the standard risk on |
| Buffalo | | mortgages might want to consider a | | which the premium rate was |
| Santa Clara | | 30-year term to ensure that the house | | calculated. |
| Lancaster | | is protected throughout the period of | | |
| Fayetteville | | the loan. | | Divided Cover: The placing of |
| Naples | | | | insurance on a given subject or |
| Beaumont | | | | object with more than one insurer. |
