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| Sioux Falls | | If you have noticed that your auto | | Cut Rate: This term generally applies |
| Palm Harbor | | insurance rates are still increasing | | to insurance companies who charge |
| Pompano Beach | | with each renewal, or even have not | | premiums below a normal or average |
| Bellevue | | gone down even though you have a | | rate. |
| Rome | | great driving record, this lower pricing | | |
| Hollywood | | trend makes it more important then | | Lloyd's Broker: A person who has the |
| Pensacola | | ever that you shop around for auto | | authority to negotiate insurance |
| Davenport | | insurance. | | contracts with the underwriters on the |
| Bethlehem | | | | floor at Lloyd's. |
| High Point | | Why not take advantage of current | | |
| Palm Harbor | | low prices? Many auto insurance | | Paid-In Surplus: Surplus paid in by |
| Chicago | | consumers are becoming educated | | stockholders, as contrasted with |
| Torrance | | on other companies, plans, and rates | | surplus earned through the |
| Grand Prairie | | that are available to them; ones that | | operations of a business. |
| Cape Coral | | could afford them significant savings | | |
| Green Bay | | on their auto insurance. | | Agent's Balance: A periodic |
| Boynton Beach | | | | statement of the sums due and owed |
| Decatur | | If you decide to cancel your policy | | to an agent under the agent's contract |
| Charlotte | | (after acquiring new coverage) | | with an insurer. |
| Denton | | outside of the 30-day period, you may | | |
| Orange | | have to pay a fee or penalty. | | Gross Line: The total limit accepted |
| Kansas City | | However, you may still save money | | by an insurer on an individual risk, |
| Owensboro | | after paying the fee if your new policy | | including the amount to be reinsured. |
| Stockbridge | | affords you significant savings. So | | |
| Charlotte | | while it is best to wait until your | | Underinsurance: A condition in which |
| Oceanside | | receive your renewal notice, you CAN | | not enough insurance is carried to |
| Mansfield | | cancel your policy at any time. | | cover the insurable value. |
