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| Modesto | | If you have noticed that your auto | | Net Interest Earned: The average |
| Muncie | | insurance rates are still increasing | | interest earned by an insurer on its |
| Jacksonville | | with each renewal, or even have not | | investments after investment expense |
| Hendersonville | | gone down even though you have a | | but before federal income taxes. |
| Anchorage | | great driving record, this lower pricing | | |
| Reno | | trend makes it more important then | | Burning Ratio: The ratio of losses |
| Chicago | | ever that you shop around for auto | | suffered to the amount of insurance in |
| Albany | | insurance. | | effect. |