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| Grand Prairie | | People who are trying to quit | | Gain and Loss Exhibit: The portion of |
| Gaithersburg | | smoking, for example, might be best | | the convention blank which |
| Texarkana | | suited purchasing a shorter term (and | | represents an analysis of gains, |
| Erie | | then replacing it with a longer term | | losses, and surplus during an |
| Hampton | | policy when they qualify for | | accounting period. |
| St. Joseph | | non-tobacco prices). | | |
| Toledo | | | | Tariff Rate: A rate established by a |
| Boise | | Healthy people have the best | | rating organization, which comes from |
| Warwick | | mortality risks and thus are much | | the tables, schedules and rules found |
| Berkeley | | cheaper for companies to insure. This | | in the tariff of rates. |
| New Port Richey | | translates into lower rates for the | | |
| Glendale | | Super Preferred customer than | | Building Code: This refers to |
| Frederick | | someone with higher risk factors such | | municipal or other governmental |
| Syracuse | | as a heart condition, cancer or | | ordinances regulating the type of |
| Carlsbad | | diabetes. Conversely, if you were | | construction of buildings within its |
| Anderson | | unhealthy when you acquired your | | jurisdiction. |
| Lowell | | policy, and your health has now | | |
| Detroit | | improved, it might be time to shop for | | Flat Cancellation: A policy which is |
| Henderson | | a new policy, as your rates are likely | | cancelled upon its effective date. |
| Whittier | | to be lower. | | Usually under a flat cancellation no |
| Long Island City | | | | premium charge is made. |
| Kalamazoo | | Why not take advantage of current | | |
| Virginia Beach | | low prices? Many auto insurance | | Depreciation: A decrease in the value |
| Boulder | | consumers are becoming educated | | of any type of tangible property over |
| New York | | on other companies, plans, and rates | | a period of time resulting from use, |
| Englewood | | that are available to them; ones that | | wear and tear, or obsolescence. |
| Elkhart | | could afford them significant savings | | |
| Ogden | | on their auto insurance. | | Borderline Risk: An insurance |
| Dallas | | | | prospect of doubtful quality from an |
| Santa Ana | | Shopping around is the best way to | | underwriting point of view. |
| Hartford | | save money on your insurance. | | |
| Louisville | | | | First Party Insurance: Insurance which |
| Fremont | | If you decide to cancel your policy | | applies to coverage for the insured's |
| Lincoln | | (after acquiring new coverage) | | own property or person. Contrast with |
| Fort Wayne | | outside of the 30-day period, you may | | Third Party Insurance. |
| Jackson | | have to pay a fee or penalty. | | |
| Columbus | | However, you may still save money | | |
| Cleveland | | after paying the fee if your new policy | | |
| Williamsburg | | affords you significant savings. So | | |
| Glendale | | while it is best to wait until your | | |
| Sacramento | | receive your renewal notice, you CAN | | |
| Waco | | cancel your policy at any time. | | |
