The basics of it are that there is a heavy involvement of agents and agency law and insurers will not exceed what is within the insurance contract (called a policy) attempting always, as in any free market economy, to receive the maximum premium for the smallest risk.
Population of Larimer County. Last official estimated population of Larimer County was 300,484 (year 2014)[1]. This was 0.094% of total US population and 5.5% of total Colorado state population. Area of Larimer County is 2,634.0 miÂ² (=6822 kmÂ²), in this year population density was 114.08 p/miÂ². If population growth rate would be same as in period 2010-2014 (+0.07%/yr), Larimer County population in 2017 would be 301,126 .
The average U.S. county population was nearly 100,000 in 2012. The most populous county is Los Angeles County, California, with 9,962,789 residents in 2012. This number is greater than the populations of 42 U.S. states, and even 800,000 larger than the population of the 10 lowest states combined.