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| Toledo | | While some companies raise their | | Losses Outstanding: A summary |
| Stamford | | prices based on your actual age, | | statement prepared by Property, Life, |
| Whittier | | most companies increase the price of | | and Liability insurers showing claims |
| Bethlehem | | their policies six months before your | | not yet settled. |
| Walnut Creek | | birthday. Its a term called Age | | |
| Wichita Falls | | Nearest in the industry, and that | | Retrospective Premium: The final |
| Bloomington | | half-year price increase could really | | premium in a retrospective rating |
| Jackson | | add up over a 20-year term policy. As | | plan. See Retrospective Rating. |
| Oakland | | above, the quicker you purchase your | | |
| Texarkana | | policy the better. | | Collusion: An agreement, usually |
| Lubbock | | | | secret, between two or more persons |
| Columbia | | Shopping around is the best way to | | to defraud or deprive another or |
| Charleston | | save money on your insurance. | | others of their property or rights. |
