31.   The U.K. insurance industry has started a period of consolidation as competition increases and premium rates fall.

32.   These premium tax rates are very key.

33.   They were started in hopes of landing new business from companies too small and local to pay the premium nationwide advertising rates.

34.   This caused premium rates to fall as insurance underwriters fought for market share, IIS said.

35.   Under the terms of the agreement, insurers in Japan for the first time will be able to charge variable premium rates for auto insurance, beginning next September.

36.   Until recently, mobile communications consisted of expensive analog services, sold at premium rates.

37.   We look at premium rates for Arizona and try to explain the disparity in costs.

38.   Yet the all-news format remains attractive because it commands premium advertising rates, drawing a demographically attractive audience.

39.   Another is the perception of high risk by debtors which are propelling financial institutions to charge premium rates.

40.   Freeman himself has been accused by the private sector of selling surplus power at premium rates as head of the city agency.