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| Coral Springs | | If you have noticed that your auto | | Commercial Lines: This term is used |
| Ogden | | insurance rates are still increasing | | to refer to insurance for businesses, |
| Long Beach | | with each renewal, or even have not | | professionals, and commercial |
| Jasper | | gone down even though you have a | | establishments. |
| Bayside | | great driving record, this lower pricing | | |
| Sunnyvale | | trend makes it more important then | | National Auto Theft Bureau: An |
| Rochester | | ever that you shop around for auto | | organization engaged in the |
| Pompano Beach | | insurance. | | prevention and reduction of motor |
| Williamsburg | | | | vehicle fire and theft losses. |
| Muncie | | Everyone has different needs, and | | |
| Gainesville | | not one size fits all when it comes to | | Renewal: The reestablishment of the |
| Wichita | | term life insurance. While it may make | | in-force status of a policy, the term of |
| Lancaster | | sense for people in their 30s and 40s | | which has expired or will expire |
| Tallahassee | | to secure a 20-year term length, a | | unless it is renewed. |
| Mobile | | 10-year term might be more | | |
| Columbus | | appropriate for someone nearing | | Commingling: An illegal practice |
| Muskegon | | retirement. | | which occurs when an agent mixes |
| Harrisburg | | | | personal funds with the insured's or |
| Houma | | Healthy people have the best | | insurer's funds. |
| Hickory | | mortality risks and thus are much | | |
| Berkeley | | cheaper for companies to insure. This | | Theory of Probability: The |
| Olympia | | translates into lower rates for the | | mathematical principle upon which |
| Billings | | Super Preferred customer than | | insurance is based. |
| Akron | | someone with higher risk factors such | | |
| Rockville | | as a heart condition, cancer or | | Short Rate Premium: The premium |
| Troy | | diabetes. Conversely, if you were | | required for issuing a policy for a |
| Slidell | | unhealthy when you acquired your | | period less than its normal term. |
| Baton Rouge | | policy, and your health has now | | |
| Eugene | | improved, it might be time to shop for | | Loss Adjustment Expense: The cost |
| Mesa | | a new policy, as your rates are likely | | of adjusting losses, excluding the |
| Baton Rouge | | to be lower. | | amount of the loss itself. |
