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| Longmont | | Why not take advantage of current | | Equity: The money value of an |
| Decatur | | low prices? Many auto insurance | | insurance company that is over and |
| El Paso | | consumers are becoming educated | | above its liabilities. Liabilities include |
| Augusta | | on other companies, plans, and rates | | almost all of its reserves. |
| Santa Monica | | that are available to them; ones that | | |
| Fremont | | could afford them significant savings | | Retrospective Premium: The final |
| Shreveport | | on their auto insurance. | | premium in a retrospective rating |
| Costa Mesa | | | | plan. See Retrospective Rating. |
| Lowell | | Shopping around is the best way to | | |
| Coral Springs | | save money on your insurance. | | Insurance to Value: Insurance written |
| Cambridge | | | | in an amount approximating the value |
| Albuquerque | | Everyone has different needs, and | | of the property insured. |
| Fullerton | | not one size fits all when it comes to | | |
| Waco | | term life insurance. While it may make | | Dual Life Stock Company: A stock |
| Johnson City | | sense for people in their 30s and 40s | | Life insurer issuing both participating |
| Providence | | to secure a 20-year term length, a | | and nonparticipating policy contracts. |
| Fremont | | 10-year term might be more | | |
| Baton Rouge | | appropriate for someone nearing | | Borderline Risk: An insurance |
| San Bernardino | | retirement. | | prospect of doubtful quality from an |
| Longwood | | | | underwriting point of view. |
| Providence | | While some companies raise their | | |
| Lake Charles | | prices based on your actual age, | | Other Insurance: The existence of |
| Delray Beach | | most companies increase the price of | | other contracts covering the same |
| Torrance | | their policies six months before your | | interest and perils. |
| Warren | | birthday. Its a term called Age | | |
| Fremont | | Nearest in the industry, and that | | First Party Insurance: Insurance which |
| Valdosta | | half-year price increase could really | | applies to coverage for the insured's |
| Syracuse | | add up over a 20-year term policy. As | | own property or person. Contrast with |
| Nashua | | above, the quicker you purchase your | | Third Party Insurance. |
| Rochester | | policy the better. | | |
| Tyler | | | | Expense Allowance: A compensation |
| Davenport | | Healthy people have the best | | paid to an insurance agent in excess |
| Phoenix | | mortality risks and thus are much | | of prescribed commissions. |
| Hot Springs | | cheaper for companies to insure. This | | |
| Quincy | | translates into lower rates for the | | |
| Duluth | | Super Preferred customer than | | |
| Columbus | | someone with higher risk factors such | | |
| Evansville | | as a heart condition, cancer or | | |
| Williamsburg | | diabetes. Conversely, if you were | | |
| Oklahoma City | | unhealthy when you acquired your | | |
| Lorain | | policy, and your health has now | | |
| Littleton | | improved, it might be time to shop for | | |
| Santa Barbara | | a new policy, as your rates are likely | | |
| Inglewood | | to be lower. | | |
