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| Canton | | People who are trying to quit | | Minimum Premium: The smallest |
| Cincinnati | | smoking, for example, might be best | | amount of premium for which an |
| Franklin | | suited purchasing a shorter term (and | | insurer will issue coverage under a |
| Glendale | | then replacing it with a longer term | | given policy. |
| Denver | | policy when they qualify for | | |
| Los Angeles | | non-tobacco prices). | | Lloyd's Broker: A person who has the |
| Austin | | | | authority to negotiate insurance |
| Long Island City | | While some companies raise their | | contracts with the underwriters on the |
| Tuscaloosa | | prices based on your actual age, | | floor at Lloyd's. |
| Midland | | most companies increase the price of | | |
| Florissant | | their policies six months before your | | Deflation: An economic period |
| Raleigh | | birthday. Its a term called Age | | characterized by falling prices, high |
| Jasper | | Nearest in the industry, and that | | unemployment and a generally |
| Fort Lauderdale | | half-year price increase could really | | sluggish or slow economy. |
| Henderson | | add up over a 20-year term policy. As | | |
| Yuma | | above, the quicker you purchase your | | Submitted Business: Applications for |
| Flushing | | policy the better. | | insurance submitted to an insurer but |
| Schaumburg | | | | not yet acted upon by it. |
| Ocala | | Shopping around is the best way to | | |
| Wilmington | | save money on your insurance. | | Policy Period (or Term): The period |
| Rochester | | | | during which the policy contract |
| Fairfax | | Make sure you have a new policy in | | affords protection, e.g., six months or |
| Lubbock | | place before you cancel your old one | | one or three years. |
| San Diego | | to avoid a lapse in coverage. This will | | |
| Valdosta | | also prevent having to figure out the | | Brokerage Department: A department |
| Littleton | | amount of any unused premium that is | | of an insurer whose purpose is to |
| Belleville | | due to you from your old insurance | | deal with brokers in the placing of |
| Portland | | company, or having to spar with your | | insurance. |
| St. Louis | | agent about exactly when your policy | | |
| New Port Richey | | was cancelled and how much they | | Director of Insurance: A title used in |
| Gainesville | | owe you. | | some states for the head of the |
| Whittier | | | | department of insurance. |
| Hartford | | If you have noticed that your auto | | |
| Carlsbad | | insurance rates are still increasing | | Capital Sum: The maximum lump sum |
| Union | | with each renewal, or even have not | | payable in the event of accidental |
| Lawton | | gone down even though you have a | | death or dismemberment. |
| Delray Beach | | great driving record, this lower pricing | | |
| Macon | | trend makes it more important then | | |
| Lancaster | | ever that you shop around for auto | | |
| Carlsbad | | insurance. | | |
