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| Sterling Heights | | While some companies raise their | | Sole Proprietorship: A business |
| Glendale | | prices based on your actual age, | | enterprise owned by one person who |
| Corpus Christi | | most companies increase the price of | | is its manager and employee. |
| Detroit | | their policies six months before your | | |
| Racine | | birthday. Its a term called Age | | Open Rating: A system whereby a |
| Sarasota | | Nearest in the industry, and that | | state allows an insurer to use rates |
| Johnson City | | half-year price increase could really | | without prior approval. |
| Chula Vista | | add up over a 20-year term policy. As | | |
| Santa Rosa | | above, the quicker you purchase your | | Professional Insurance Agents |
| St. Louis | | policy the better. | | Association: A trade association of |
| Cincinnati | | | | mutual insurance agents. |
| Sumter | | People who are trying to quit | | |
| Columbus | | smoking, for example, might be best | | Provisions: Statements contained in |
| Youngstown | | suited purchasing a shorter term (and | | an insurance policy which explain the |
| Edmond | | then replacing it with a longer term | | benefits, conditions and other |
| Bronx | | policy when they qualify for | | features of the insurance contract. |
| Littleton | | non-tobacco prices). | | |
| Sarasota | | | | Examiner: An employee assigned by |
| Cypress | | If you have noticed that your auto | | the state insurance department to |
| Sarasota | | insurance rates are still increasing | | audit insurers' records. |
| Columbus | | with each renewal, or even have not | | |
| Lafayette | | gone down even though you have a | | War Risk Insurance: Insurance |
| Frederick | | great driving record, this lower pricing | | covering damage caused by war. |
| Newburgh | | trend makes it more important then | | Most often written by Ocean Marine |
| Bronx | | ever that you shop around for auto | | Insurance companies covering |
| Alexandria | | insurance. | | vessels. |