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| Schenectady | | Shopping around is the best way to | | Minimum Premium: The smallest |
| Stamford | | save money on your insurance. | | amount of premium for which an |
| Torrance | | | | insurer will issue coverage under a |
| Pittsburgh | | While some companies raise their | | given policy. |
| Dallas | | prices based on your actual age, | | |
| Fredericksburg | | most companies increase the price of | | Foreign Insurer: An insurer domiciled |
| Long Beach | | their policies six months before your | | in a state of the United States other |
| Seattle | | birthday. Its a term called Age | | than the one in which the insured's |
| Salt Lake City | | Nearest in the industry, and that | | insurance is written. |
| Melbourne | | half-year price increase could really | | |
| Springfield | | add up over a 20-year term policy. As | | Borderline Risk: An insurance |
| New Port Richey | | above, the quicker you purchase your | | prospect of doubtful quality from an |
| Durham | | policy the better. | | underwriting point of view. |