offer you a reduced premium if you buy two or more insurance policies from them. (12).… Improve your home security You can usually get discounts for fitting a smoke detector,burglar alarm or dead-bolt locks.Some companies offer quite substantial reductions on premiums if a sophisticated sprinkler system and a fire and burglar alarm that rings at the police,fire or other monitoring stations are installed.(13)..........Before you buy such a system,find out what kind your insurer recommends,how much the device would cost and how much you'd save on premiums. Maintain a good credit record Establishing a solid credit history can cut your insurance costs.(14).......... To protect your credit standing,pay your bills on time,don't obtain more credit than you need and keep your credit balances as low as possible. Stay with the same insurer If you've kept your policy with a company for several years,you may receive a special discount for being a long-term policyholder.But make certain to periodically compare this price to ensure that you are getting the most competitive price. Now choose A Although it may sound an obvious thing to do,you will be surprised at how many people just renew their policy without comparing prices. B The higher your excess,the more money you can save on your premiums. C These systems aren't cheap and not every system qualifies for a discount. D This will give you an idea of price ranges and tell you which companies have the lowest prices. E But make certain this combined price is lower than buying the different policies from different companies. F All it takes is a little time and effort and you could be looking at a reduced insurance premium. G Insurers are increasingly using credit information to price homeowners'insurance policies. Part Three Questions 15-20.(18 points) Read the following passage and choose the best statement (A,B,C or D)for each question.(3 points each) What forces are fueling e-commerce? There are at least three major forces fueling e-commerce:economic.forces,marketing and customer interaction forces,and technology,particularly multimedia convergence. Economic forces.One of the most evident benefits of e-commerce is economic efficiency resulting from the reduction in communications costs,low-cost technological infrastructure, 1428offer you a reduced premium if you buy two or more insurance policies from them. (1 2)... . ... ... lmprove your home security You can usuaIly get discounts for fitting a smoke detector , burglar alarm or dead-bolt locks. Some companies offer quite substantial reductions on premiums if a sophisticated sprinkler system and a fire and burglar alarm that rings at the police , fire or other monitoring stations are installed. (13).......... Before you buy such a system , find out what kind your insurer recommends , how much the device would cost and how much you'd save on prem1Ums. Maintain a good credit record Establishing a solid credit history can cut your insurance costs. (1 4).. To protect your credit standing , pay your bills on time , don' t obtain more credit than you need and keep your credit balances as low as possible. Stay with the same insurer If you've kept your policy with a company for several years, you may receive a special discount for being a long-term policyholder. But make certain to perìodically compare this price to ensure that you are getting the most competitive price. Now choose A Although it may sound an obvious thing to do , you will be surprised at how many people just renew their policy without comparing prices. B The higher your excess, the more money you can save on your premiums. C These systems aren't cheap and not every system qualifies for a discount. D This will give you an idea of price ranges and tell you which companies have the lowest prices. E But make certain this combined price is lower than buying the different policies from different companies. F All it takes is a little time and effort and you could be looking at a reduced insurance premlum. G Insurers are increasingly using credit information to price homeowners' insurance policies. Part Three Questions 15-20. (18 points) Read the following passage and choose the best statement (A , B, C or D) for each question. (3 points each) What forces are fueling e-commerce? There are at least three major forces fueling e-commerce: economic forces , marketing and customer interaction forces , and technology , particularly multimedia convergence. Economicforces. One of the most evident benefits of e-commerce is economic efficiency resulting from the reduction in communications costs, low-cost technological infrastructure , 1428