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| Hartford | | While some companies raise their | | Net Retention: The amount of |
| Durham | | prices based on your actual age, | | insurance that a ceding company |
| Poughkeepsie | | most companies increase the price of | | keeps for its own account and does |
| Boston | | their policies six months before your | | not reinsure. |
| Plano | | birthday. Its a term called Age | | |
| Jersey City | | Nearest in the industry, and that | | Retail Credit Company: The former |
| Pittsburgh | | half-year price increase could really | | name of Equifax, a credit reporting |
| Flint | | add up over a 20-year term policy. As | | organization. See Equifax. |
| Daytona Beach | | above, the quicker you purchase your | | |
| Denver | | policy the better. | | Deflation: An economic period |
| Irving | | | | characterized by falling prices, high |
| Naples | | Why not take advantage of current | | unemployment and a generally |
| Las Vegas | | low prices? Many auto insurance | | sluggish or slow economy. |
| Toms River | | consumers are becoming educated | | |
| Youngstown | | on other companies, plans, and rates | | Fiduciary: A person holding the funds |
| West Palm Beach | | that are available to them; ones that | | or property of another in a position of |
| Williamsburg | | could afford them significant savings | | trust. An example would be the |
| Albany | | on their auto insurance. | | executor of an estate. |