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| Billings | | If you have noticed that your auto | | Policy Period (or Term): The period |
| Olympia | | insurance rates are still increasing | | during which the policy contract |
| Cookeville | | with each renewal, or even have not | | affords protection, e.g., six months or |
| Monroe | | gone down even though you have a | | one or three years. |
| Midland | | great driving record, this lower pricing | | |
| Phoenix | | trend makes it more important then | | First Party Insurance: Insurance which |
| Aurora | | ever that you shop around for auto | | applies to coverage for the insured's |
| Ocala | | insurance. | | own property or person. Contrast with |
| San Francisco | | | | Third Party Insurance. |
| Newport Beach | | Shopping around is the best way to | | |
| Boston | | save money on your insurance. | | Provisional Rate: Tentative rates, |
| Silver Spring | | | | premiums or commissions that are |
| Salt Lake City | | Everyone has different needs, and | | subject to subsequent adjustment. |
| Youngstown | | not one size fits all when it comes to | | See Commission and Premium. |
| Gainesville | | term life insurance. While it may make | | |
| Fayetteville | | sense for people in their 30s and 40s | | Policy Anniversary: The anniversary |
| Winter Haven | | to secure a 20-year term length, a | | of the date of issue of a policy as |
| Mesquite | | 10-year term might be more | | shown in the policy declarations. |
| Canton | | appropriate for someone nearing | | |
| Birmingham | | retirement. | | Underwriters Laboratories, Inc. (UL): A |
| San Diego | | | | testing laboratory for manufactured |
| San Bernardino | | The quickest and easiest way to | | items to determine their safety |
| Rockville | | shop for new insurance is by | | propensities. |
| Anaheim | | comparing rates at InsWebs online | | |
| Palm Harbor | | marketplace. If you do it the | | Short-Term Policy: A policy written for |
| Racine | | old-fashioned way (by calling or | | a period of less time than is normal for |
| Chula Vista | | visiting multiple agents or insurance | | that type of policy. |
| Rochester | | companies) it could take up a huge | | |
| Bronx | | chunk of your time, which no one | | Monoline Policy: Any insurance |
| Louisville | | wants or needs. By completing | | coverage written as a single line |
| Lake Worth | | InsWebs online application, you will | | policy. Contrast with Multiple Line or |
| New Port Richey | | have rates to compare to your old | | Package policy. |
| Santa Ana | | ones within minutes! | | |
| Honolulu | | | | Malicious Mischief: Similar to |
| Clinton Township | | | | vandalism. Purposely damaging the |
| Goldsboro | | | | rights or property of another. |
