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| Orange Park | | Why not take advantage of current | | Other Insurance: The existence of |
| Decatur | | low prices? Many auto insurance | | other contracts covering the same |
| Tyler | | consumers are becoming educated | | interest and perils. |
| Mesquite | | on other companies, plans, and rates | | |
| Hendersonville | | that are available to them; ones that | | Retrospective Premium: The final |
| St. Louis | | could afford them significant savings | | premium in a retrospective rating |
| Ann Arbor | | on their auto insurance. | | plan. See Retrospective Rating. |