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| Albany | | Why not take advantage of current | | Short Rate Premium: The premium |
| Rockville | | low prices? Many auto insurance | | required for issuing a policy for a |
| Belleville | | consumers are becoming educated | | period less than its normal term. |
| Coral Springs | | on other companies, plans, and rates | | |
| Edmond | | that are available to them; ones that | | Accident: An unplanned event, |
| Kalamazoo | | could afford them significant savings | | unexpected and undesigned, which |
| Oxnard | | on their auto insurance. | | occurs suddenly and at a definite |
| Oklahoma City | | | | place. |
| Tulsa | | Healthy people have the best | | |
| Pueblo | | mortality risks and thus are much | | Broker-Agent: One acting as an agent |
| Johnstown | | cheaper for companies to insure. This | | of one or more insurers and as a |
| Santa Monica | | translates into lower rates for the | | broker in dealing with one or more |
| St. Louis | | Super Preferred customer than | | other insurers. |
| Detroit | | someone with higher risk factors such | | |
| Lansing | | as a heart condition, cancer or | | Commission of Authority: A document |
| Savannah | | diabetes. Conversely, if you were | | outlining the powers delegated to an |
| Toledo | | unhealthy when you acquired your | | agent by an insurer. |
| Jasper | | policy, and your health has now | | |
| Corona | | improved, it might be time to shop for | | Notice To Company: Written notice to |
| Spartanburg | | a new policy, as your rates are likely | | an insurer of the occurrence of an |
| Baltimore | | to be lower. | | event which a claim is to be based. |
