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| Charlotte | | Why not take advantage of current | | Depreciation: A decrease in the value |
| Lawrenceville | | low prices? Many auto insurance | | of any type of tangible property over |
| St. Paul | | consumers are becoming educated | | a period of time resulting from use, |
| Acworth | | on other companies, plans, and rates | | wear and tear, or obsolescence. |
| Goldsboro | | that are available to them; ones that | | |
| Newburgh | | could afford them significant savings | | Tickler: A reminder system used to |
| Palm Harbor | | on their auto insurance. | | call an individual's attention to actions |
| Anderson | | | | that must be taken at a future point in |
| Canton | | Individuals who have 30-year | | time. |
| Fredericksburg | | mortgages might want to consider a | | |
| Wichita | | 30-year term to ensure that the house | | Tariff Rate: A rate established by a |
| Frederick | | is protected throughout the period of | | rating organization, which comes from |
| Providence | | the loan. | | the tables, schedules and rules found |
| Jackson | | | | in the tariff of rates. |
| Redlands | | While some companies raise their | | |
| Decatur | | prices based on your actual age, | | Mutualization: The process of |
| Ogden | | most companies increase the price of | | converting a stock insurer to a mutual |
| Bay City | | their policies six months before your | | insurer, accomplished by having the |
| New York | | birthday. Its a term called Age | | insurer buy stock and retire it. |
| Muncie | | Nearest in the industry, and that | | |
| Olympia | | half-year price increase could really | | Paid-In Surplus: Surplus paid in by |
| Dayton | | add up over a 20-year term policy. As | | stockholders, as contrasted with |
| West Palm Beach | | above, the quicker you purchase your | | surplus earned through the |
| Pasadena | | policy the better. | | operations of a business. |
