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| Rockford | | Why not take advantage of current | | Losses Incurred: The total losses, |
| Knoxville | | low prices? Many auto insurance | | whether paid or not, sustained by an |
| Johnstown | | consumers are becoming educated | | insurer during a given period, e.g., 12 |
| Pembroke Pines | | on other companies, plans, and rates | | months. |
| North Hollywood | | that are available to them; ones that | | |
| Silver Spring | | could afford them significant savings | | Tariff Rate: A rate established by a |
| Montgomery | | on their auto insurance. | | rating organization, which comes from |
| Wilmington | | | | the tables, schedules and rules found |
| El Paso | | Make sure you have a new policy in | | in the tariff of rates. |
| Gulfport | | place before you cancel your old one | | |
| Boca Raton | | to avoid a lapse in coverage. This will | | You/Your: These words are used to |
| Cookeville | | also prevent having to figure out the | | refer to the named insured in many of |
| Bay City | | amount of any unused premium that is | | the modernized/personalized policy |
| Wilmington | | due to you from your old insurance | | forms. |
| Riverside | | company, or having to spar with your | | |
| High Point | | agent about exactly when your policy | | Operating Expense: The expense of |
| Asheville | | was cancelled and how much they | | an insurer other than commissions |
| Ocala | | owe you. | | and taxes. Called " and Insurance |
| Youngstown | | | | Expense" in the convention statement |
| Santa Rosa | | At InsWeb, you can compare free | | blank. |
| Livonia | | online insurance quotes from many of | | |
| Allentown | | the nations leading insurance | | Commission of Authority: A document |
| Ann Arbor | | companies. | | outlining the powers delegated to an |
| Boise | | | | agent by an insurer. |
| Grand Prairie | | Healthy people have the best | | |
| Reading | | mortality risks and thus are much | | Lloyd's Broker: A person who has the |
| New Port Richey | | cheaper for companies to insure. This | | authority to negotiate insurance |
| Livonia | | translates into lower rates for the | | contracts with the underwriters on the |
| Honolulu | | Super Preferred customer than | | floor at Lloyd's. |
| Newport News | | someone with higher risk factors such | | |
| Reno | | as a heart condition, cancer or | | Borderline Risk: An insurance |
| Cookeville | | diabetes. Conversely, if you were | | prospect of doubtful quality from an |
| Lincoln | | unhealthy when you acquired your | | underwriting point of view. |
| Raleigh | | policy, and your health has now | | |
| Staten Island | | improved, it might be time to shop for | | |
| Fremont | | a new policy, as your rates are likely | | |
| Sarasota | | to be lower. | | |