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| Racine | | Why not take advantage of current | | Adjustment Bureau: A firm organized |
| New Orleans | | low prices? Many auto insurance | | to provide adjustment services to |
| Trenton | | consumers are becoming educated | | insurers not wishing to create their |
| Long Island City | | on other companies, plans, and rates | | own claims division. |
| Elkhart | | that are available to them; ones that | | |
| Flushing | | could afford them significant savings | | Policywriting Agent: An agent who has |
| Gaithersburg | | on their auto insurance. | | the authority to prepare and effect an |
| Cleveland | | | | insurer's policy. |
| Tacoma | | While some companies raise their | | |
| New Port Richey | | prices based on your actual age, | | Book Value: Refers to the value of |
| Oklahoma City | | most companies increase the price of | | assets as shown in the official |
| Fredericksburg | | their policies six months before your | | accounting records of the company. |
| Peoria | | birthday. Its a term called Age | | |
| Toledo | | Nearest in the industry, and that | | Insurance to Value: Insurance written |
| Greenville | | half-year price increase could really | | in an amount approximating the value |
| Myrtle Beach | | add up over a 20-year term policy. As | | of the property insured. |
| Council Bluffs | | above, the quicker you purchase your | | |
| Lowell | | policy the better. | | Replacement: A new policy written to |
| Trenton | | | | take the place of one currently in force. |
| Dubuque | | The best time to switch policies is | | |
| Naples | | within one month of receiving your | | Sole Proprietorship: A business |
| Boston | | policy renewal from your current | | enterprise owned by one person who |
| St. Paul | | insurer. You can typically cancel your | | is its manager and employee. |
| Coral Springs | | policy without any fees or penalties if | | |
| Decatur | | you act within this time period. | | Agency Contract (or Agreement): The |
| Bethlehem | | | | document which establishes the legal |
| Fall River | | If you have noticed that your auto | | relationship between an agent and an |
| Portland | | insurance rates are still increasing | | insurer. |
| Gaithersburg | | with each renewal, or even have not | | |
| Bayside | | gone down even though you have a | | Basic Rate: The manual rate from |
| Bloomington | | great driving record, this lower pricing | | which discounts are taken or to which |
| Greeley | | trend makes it more important then | | charges are added to reflect the |
| Daytona Beach | | ever that you shop around for auto | | individual circumstances of a risk. |
| Naples | | insurance. | | |
