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| Edison | | Shopping around is the best way to | | Substandard Risk: A risk not |
| Santa Ana | | save money on your insurance. | | measuring up to underwriting |
| Portland | | | | standards. It may still be written but |
| Newark | | Healthy people have the best | | usually at a surcharged premium. |
| Bakersfield | | mortality risks and thus are much | | |
| Odessa | | cheaper for companies to insure. This | | Accident: An unplanned event, |
| Palm Desert | | translates into lower rates for the | | unexpected and undesigned, which |
| Glendale | | Super Preferred customer than | | occurs suddenly and at a definite |
| Arlington | | someone with higher risk factors such | | place. |
| Cape Coral | | as a heart condition, cancer or | | |
| Reno | | diabetes. Conversely, if you were | | National Auto Theft Bureau: An |
| St. Paul | | unhealthy when you acquired your | | organization engaged in the |
| Lowell | | policy, and your health has now | | prevention and reduction of motor |
| Lakewood | | improved, it might be time to shop for | | vehicle fire and theft losses. |
| Tyler | | a new policy, as your rates are likely | | |
| Carlsbad | | to be lower. | | Incurred Expense: Expenses not yet |
| Duluth | | | | paid. Can also include paid |
| Marietta | | Why not take advantage of current | | expenses in some accounting |
| Harlingen | | low prices? Many auto insurance | | systems. |
| Fayetteville | | consumers are becoming educated | | |
| Buffalo | | on other companies, plans, and rates | | Agency Contract (or Agreement): The |
| Muskegon | | that are available to them; ones that | | document which establishes the legal |
| Peoria | | could afford them significant savings | | relationship between an agent and an |
| Tacoma | | on their auto insurance. | | insurer. |
