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| Bay City | | While some companies raise their | | Fictitious Groups: Groups formed |
| Evanston | | prices based on your actual age, | | primarily for the purpose of buying |
| Pembroke Pines | | most companies increase the price of | | insurance. Under the law such groups |
| Kansas City | | their policies six months before your | | may not be underwritten. |
| Walnut Creek | | birthday. Its a term called Age | | |
| Anderson | | Nearest in the industry, and that | | Level Commission System: A system |
| Portland | | half-year price increase could really | | of commissions in which the first year |
| Odessa | | add up over a 20-year term policy. As | | and all renewal commissions are the |
| Harlingen | | above, the quicker you purchase your | | same percentage of the premium. |
| Winter Park | | policy the better. | | |
| Longview | | | | Liabilities: Money owed or expected |
| North Hollywood | | Why not take advantage of current | | to be owed. Insurance company |
| Scranton | | low prices? Many auto insurance | | financial statements, for instance, |
| Owensboro | | consumers are becoming educated | | show assets and liabilities. |
| Madison | | on other companies, plans, and rates | | |
| Phoenix | | that are available to them; ones that | | Claim Expense: The expense of |
| Escondido | | could afford them significant savings | | adjusting a claim, such as |
| Winter Haven | | on their auto insurance. | | investigation and attorneys' fees. It |
| Waco | | | | does not include the cost of the claim |
| Englewood | | If you decide to cancel your policy | | itself. |
| Salem | | (after acquiring new coverage) | | |
| Springfield | | outside of the 30-day period, you may | | Foreign Insurer: An insurer domiciled |
| Dothan | | have to pay a fee or penalty. | | in a state of the United States other |
| Cookeville | | However, you may still save money | | than the one in which the insured's |
| Wilmington | | after paying the fee if your new policy | | insurance is written. |
| Louisville | | affords you significant savings. So | | |
| Santa Rosa | | while it is best to wait until your | | Public Adjuster: An insurance adjuster |
| Cambridge | | receive your renewal notice, you CAN | | who represents an insured on a fee |
| Zanesville | | cancel your policy at any time. | | basis in claims settlement. Contrast |
| Anchorage | | | | with Independent Adjuster. |
| Columbia | | We offer quotes for auto insurance, | | |
| Fayetteville | | life insurance, homeowners | | Nonassignable: A policy that the |
| Boston | | insurance, health insurance, term life | | owner cannot assign to a third party. |
| Clearwater | | insurance and more. | | Most policies are nonassignable |
| Clarksville | | | | unless approval is given by the |
| Clinton Township | | | | insurer. |
