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| San Antonio | | Healthy people have the best | | Deductible: The portion of an insured |
| Springfield | | mortality risks and thus are much | | loss to be borne by the insured |
| Owensboro | | cheaper for companies to insure. This | | before he is entitled to recovery from |
| Lakewood | | translates into lower rates for the | | the insurer. |
| Spring Hill | | Super Preferred customer than | | |
| Fresno | | someone with higher risk factors such | | Countersignature: The signature of a |
| Cookeville | | as a heart condition, cancer or | | licensed agent or representative on a |
| Bloomington | | diabetes. Conversely, if you were | | policy. |
| Anderson | | unhealthy when you acquired your | | |
| Newburgh | | policy, and your health has now | | Will Ride: Coverage that remains in |
| El Paso | | improved, it might be time to shop for | | effect regardless of the geographical |
| Youngstown | | a new policy, as your rates are likely | | location in which a loss occurs. |
| Downey | | to be lower. | | |
| Marietta | | | | We/Us/Our: These words are used to |
| St. Louis | | If you decide to cancel your policy | | refer to the insurer in many of the |
| York | | (after acquiring new coverage) | | modernized/personalized policy |
| Hollywood | | outside of the 30-day period, you may | | forms recently introduced. |
| Alameda | | have to pay a fee or penalty. | | |
| Lorain | | However, you may still save money | | Nonadmitted Insurer: An insurer not |
| Lansing | | after paying the fee if your new policy | | licensed to do business in the |
| Walnut Creek | | affords you significant savings. So | | jurisdiction in question. Same as |
| York | | while it is best to wait until your | | Unauthorized Insurer and Unlicensed |
| Fort Myers | | receive your renewal notice, you CAN | | Insurer. |
| Anaheim | | cancel your policy at any time. | | |
| Buffalo | | | | Fiduciary: A person holding the funds |
| Columbia | | Why not take advantage of current | | or property of another in a position of |
| Pompano Beach | | low prices? Many auto insurance | | trust. An example would be the |
| Nashville | | consumers are becoming educated | | executor of an estate. |
| Gaithersburg | | on other companies, plans, and rates | | |
| Oxnard | | that are available to them; ones that | | Partial Loss: A loss covered by an |
| Bloomington | | could afford them significant savings | | insurance policy which does not |
| San Antonio | | on their auto insurance. | | completely destroy or render |
| Davenport | | | | worthless the insured property. |
| Fort Collins | | People who are trying to quit | | |
| Lakewood | | smoking, for example, might be best | | |
| Baltimore | | suited purchasing a shorter term (and | | |
| Stockbridge | | then replacing it with a longer term | | |
| Jersey City | | policy when they qualify for | | |
| Venice | | non-tobacco prices). | | |
