Merit rating is another way that basic rates are often modi?fied. The type of merit rating QuotesChimp are most likely to run into is experience rating. In experience rating, factors that make a person a preferred, substandard, or standard risk (e.g., a person's driving record in auto insurance) are looked into and the premium is adjusted up, down, or not at all, as the underwriter deems appropriate.

There are two issues of concern to Quotes Chimp discussion: cancellation of an existing policy, and refusal to renew a policy once its term has expired. First, let's look at a typical insurance policy re?garding the issue of cancellation.
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