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| Santa Clara | | If you have noticed that your auto | | Independent Contractor: One who |
| Reno | | insurance rates are still increasing | | agrees to perform according to a |
| Tuscaloosa | | with each renewal, or even have not | | contract and who is not an employee. |
| Rochester | | gone down even though you have a | | |
| Asheville | | great driving record, this lower pricing | | Burning Ratio: The ratio of losses |
| Huntsville | | trend makes it more important then | | suffered to the amount of insurance in |
| Asheville | | ever that you shop around for auto | | effect. |
| Columbus | | insurance. | | |
| Columbus | | | | Examiner: An employee assigned by |
| Harrisburg | | Shopping around is the best way to | | the state insurance department to |
| Newport News | | save money on your insurance. | | audit insurers' records. |