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| Providence | | We offer quotes for auto insurance, | | Authorized Insurer: An insurer |
| Providence | | life insurance, homeowners | | authorized by the state to transact |
| Owensboro | | insurance, health insurance, term life | | business in that state for specific |
| Arlington | | insurance and more. | | types of insurance. |
| Omaha | | | | |
| Norwalk | | The best time to switch policies is | | Endorsement: A written or printed form |
| Memphis | | within one month of receiving your | | attached to the policy which alters |
| Baton Rouge | | policy renewal from your current | | provisions of the contract. |
| Chesapeake | | insurer. You can typically cancel your | | |
| Sterling Heights | | policy without any fees or penalties if | | Cut Rate: This term generally applies |
| Des Moines | | you act within this time period. | | to insurance companies who charge |
| Muncie | | | | premiums below a normal or average |
| Newburgh | | People who are trying to quit | | rate. |
| Slidell | | smoking, for example, might be best | | |
| Clearwater | | suited purchasing a shorter term (and | | Claim Report: A report filed by an |
| Franklin | | then replacing it with a longer term | | agent setting forth the facts of a claim. |
| Newark | | policy when they qualify for | | Same as Loss Report. |
| Staten Island | | non-tobacco prices). | | |
| Glendale | | | | Buy-Back" Deductible: A deductible |
| Albany | | If you have noticed that your auto | | which may be eliminated for an |
| Downey | | insurance rates are still increasing | | additional premium in order to |
| Newark | | with each renewal, or even have not | | provide "first-dollar" coverage. |
| Rome | | gone down even though you have a | | |
| El Cajon | | great driving record, this lower pricing | | Equity: The money value of an |
| Pittsburgh | | trend makes it more important then | | insurance company that is over and |
| Cherry Hill | | ever that you shop around for auto | | above its liabilities. Liabilities include |
| Dayton | | insurance. | | almost all of its reserves. |
