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| Walnut Creek | | If you have noticed that your auto | | Tickler: A reminder system used to |
| Vineland | | insurance rates are still increasing | | call an individual's attention to actions |
| Winter Park | | with each renewal, or even have not | | that must be taken at a future point in |
| Oklahoma City | | gone down even though you have a | | time. |
| Norfolk | | great driving record, this lower pricing | | |
| Tempe | | trend makes it more important then | | Mandatory Valuation Reserve: A |
| Athens | | ever that you shop around for auto | | reserve required by a state law to |
| Toledo | | insurance. | | offset any declines in the valuation of |
| Omaha | | | | securities listed as admitted assets. |
| Tallahassee | | Make sure you have a new policy in | | |
| Conroe | | place before you cancel your old one | | Basic Rate: The manual rate from |
| Spokane | | to avoid a lapse in coverage. This will | | which discounts are taken or to which |
| Cypress | | also prevent having to figure out the | | charges are added to reflect the |
| Winter Park | | amount of any unused premium that is | | individual circumstances of a risk. |
| Winter Park | | due to you from your old insurance | | |
| San Diego | | company, or having to spar with your | | Fictitious Groups: Groups formed |
| Nashville | | agent about exactly when your policy | | primarily for the purpose of buying |
| Spartanburg | | was cancelled and how much they | | insurance. Under the law such groups |
| Santa Ana | | owe you. | | may not be underwritten. |
