Sceptics point out that ads on Google command premium rates because its users are often looking to make a purchase.

怀疑人士指出在谷歌上打广告需要保险费那是因为用户是为了购物目的。

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This is because of premium rates stagnating or declining in many areas, while the supply of insurance and reinsurance remains high.

这是因为许多领域的保险费率停滞不前或出现下降，与此同时保险和再保险的供应依然偏高。

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Insurers use credit scores to set premium rates, and employers use them when making hiring decisions.

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Premium rates in casualty will fall by 10-15% this year, predicts Lockton, a broker.

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So he knew that when oil demand next surged, Frontline would be better able to command premium rates.

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