51.   Insurers said rates might change eventually but were unlikely to change quickly unless car owners spoke up or started moving to insurers offering lower rates.

52.   It said such a rate already is offered by Delta and American.

53.   Kessler said the new rate was being offered because more people are home during the day.

54.   LaSalle is able to offer higher rates by having its Dutch parent company, ABN-Amro Bank, enter into a derivatives contract on its behalf.

55.   Lewis and her husband should see whether their employers offer group rates on both kinds of insurance, Maxwell said.

56.   Many consumers are being offered cheaper rates, more relaxed payment schedules and understanding in place of penalty fees.

57.   Mutual fund companies can offer better rates in part because they do not have the expense of local branches.

58.   Most clubs also offer special rates for family reunions, with a family party thrown in.

59.   Most offer better rates that the hotel itself may quote, and can find you rooms when the city seems booked solid.

60.   Not surprisingly, banks with higher transaction fees tend to offer lower rates.