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| Dallas | | While some companies raise their | | Theory of Probability: The |
| Waterloo | | prices based on your actual age, | | mathematical principle upon which |
| Hendersonville | | most companies increase the price of | | insurance is based. |
| Troy | | their policies six months before your | | |
| Racine | | birthday. Its a term called Age | | Underinsurance: A condition in which |
| Little Rock | | Nearest in the industry, and that | | not enough insurance is carried to |
| Elkhart | | half-year price increase could really | | cover the insurable value. |
| Athens | | add up over a 20-year term policy. As | | |
| Kansas City | | above, the quicker you purchase your | | Substandard Risk: A risk not |
| Tacoma | | policy the better. | | measuring up to underwriting |
| Fresno | | | | standards. It may still be written but |
| Anderson | | We offer quotes for auto insurance, | | usually at a surcharged premium. |
| Newport Beach | | life insurance, homeowners | | |
| Los Angeles | | insurance, health insurance, term life | | Provisional Rate: Tentative rates, |
| Pensacola | | insurance and more. | | premiums or commissions that are |
| Valdosta | | | | subject to subsequent adjustment. |
| Troy | | Shopping around is the best way to | | See Commission and Premium. |
| Kingsport | | save money on your insurance. | | |
| Lake Charles | | | | Flat Cancellation: A policy which is |
| Cypress | | If you have noticed that your auto | | cancelled upon its effective date. |
| Cookeville | | insurance rates are still increasing | | Usually under a flat cancellation no |
| Stockbridge | | with each renewal, or even have not | | premium charge is made. |
| Detroit | | gone down even though you have a | | |
| Charleston | | great driving record, this lower pricing | | Losses Incurred: The total losses, |
| Fort Myers | | trend makes it more important then | | whether paid or not, sustained by an |
| Raleigh | | ever that you shop around for auto | | insurer during a given period, e.g., 12 |
| Columbus | | insurance. | | months. |
