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| Vero Beach | | If you have noticed that your auto | | Professional Insurance Agents |
| Jasper | | insurance rates are still increasing | | Association: A trade association of |
| Lafayette | | with each renewal, or even have not | | mutual insurance agents. |
| Quincy | | gone down even though you have a | | |
| Naperville | | great driving record, this lower pricing | | Indemnity: Restoration to the victim of |
| Turlock | | trend makes it more important then | | a loss by payment, repair, or |
| Lorain | | ever that you shop around for auto | | replacement. |
| Detroit | | insurance. | | |
| Fredericksburg | | | | Loss Frequency: The number of times |
| Warren | | At InsWeb, you can compare free | | a loss occurs over a specific period |
| Winter Haven | | online insurance quotes from many of | | of time. |
| Fall River | | the nations leading insurance | | |
| Harrisburg | | companies. | | Adjustment Bureau: A firm organized |
| Fall River | | | | to provide adjustment services to |
| Vancouver | | While some companies raise their | | insurers not wishing to create their |
| Lubbock | | prices based on your actual age, | | own claims division. |
| Lansing | | most companies increase the price of | | |
| Quincy | | their policies six months before your | | Minimum Premium: The smallest |
| Bellevue | | birthday. Its a term called Age | | amount of premium for which an |
| Williamsport | | Nearest in the industry, and that | | insurer will issue coverage under a |
| Glendale | | half-year price increase could really | | given policy. |
| Fort Collins | | add up over a 20-year term policy. As | | |
| Norwalk | | above, the quicker you purchase your | | Index Bureau Experience: A measure |
| Hollywood | | policy the better. | | of losses relating to claims reported |
| Staten Island | | | | through a claim office during a |
| Henderson | | People who are trying to quit | | 12-month period. |
| Poughkeepsie | | smoking, for example, might be best | | |
| Houston | | suited purchasing a shorter term (and | | Broker-Agent: One acting as an agent |
| Denver | | then replacing it with a longer term | | of one or more insurers and as a |
| Palo Alto | | policy when they qualify for | | broker in dealing with one or more |
| Hartford | | non-tobacco prices). | | other insurers. |