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| Houston | | Why not take advantage of current | | Tariff Rate: A rate established by a |
| Yuma | | low prices? Many auto insurance | | rating organization, which comes from |
| Modesto | | consumers are becoming educated | | the tables, schedules and rules found |
| Rome | | on other companies, plans, and rates | | in the tariff of rates. |
| Spring Hill | | that are available to them; ones that | | |
| Hendersonville | | could afford them significant savings | | Agency Contract (or Agreement): The |
| San Bernardino | | on their auto insurance. | | document which establishes the legal |
| Tulsa | | | | relationship between an agent and an |
| Santa Barbara | | The best time to switch policies is | | insurer. |
| Newport Beach | | within one month of receiving your | | |
| Baltimore | | policy renewal from your current | | Producer: A term applied to an agent, |
| Cincinnati | | insurer. You can typically cancel your | | solicitor or other person who sells |
| Colorado Springs | | policy without any fees or penalties if | | insurance. |
| Albuquerque | | you act within this time period. | | |
| Indianapolis | | | | Society of Insurance Research: An |
| Fort Collins | | Healthy people have the best | | organization which encourages |
| Cambridge | | mortality risks and thus are much | | insurance research and promotes the |
| Bellevue | | cheaper for companies to insure. This | | exchange of ideas and methods of |
| Quincy | | translates into lower rates for the | | research. |
| Grand Prairie | | Super Preferred customer than | | |
| Dearborn | | someone with higher risk factors such | | Operating Expense: The expense of |
| Grand Prairie | | as a heart condition, cancer or | | an insurer other than commissions |
| Hot Springs | | diabetes. Conversely, if you were | | and taxes. Called " and Insurance |
| Spring Hill | | unhealthy when you acquired your | | Expense" in the convention statement |
| Newark | | policy, and your health has now | | blank. |
| Hemet | | improved, it might be time to shop for | | |
| Anderson | | a new policy, as your rates are likely | | Director of Insurance: A title used in |
| Waco | | to be lower. | | some states for the head of the |
| Reno | | | | department of insurance. |
| Eugene | | Everyone has different needs, and | | |
| Huntington | | not one size fits all when it comes to | | Premises: The particular location of |
| Seattle | | term life insurance. While it may make | | property or a portion thereof as |
| Clearwater | | sense for people in their 30s and 40s | | designated in a policy. |
| Tulsa | | to secure a 20-year term length, a | | |
| Bloomington | | 10-year term might be more | | |
| Pittsburgh | | appropriate for someone nearing | | |
| Florissant | | retirement. | | |
