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| Saginaw | | People who are trying to quit | | Authorized Insurer: An insurer |
| Rochester | | smoking, for example, might be best | | authorized by the state to transact |
| Fresno | | suited purchasing a shorter term (and | | business in that state for specific |
| Flint | | then replacing it with a longer term | | types of insurance. |
| Pittsburgh | | policy when they qualify for | | |
| Duluth | | non-tobacco prices). | | Loss Adjustment Expense: The cost |
| Longview | | | | of adjusting losses, excluding the |
| Independence | | If you have noticed that your auto | | amount of the loss itself. |
| Sterling Heights | | insurance rates are still increasing | | |
| Spartanburg | | with each renewal, or even have not | | Underwriters Laboratories, Inc. (UL): A |
| Montgomery | | gone down even though you have a | | testing laboratory for manufactured |
| Toledo | | great driving record, this lower pricing | | items to determine their safety |
| Winter Haven | | trend makes it more important then | | propensities. |
| Worcester | | ever that you shop around for auto | | |
| Franklin | | insurance. | | You/Your: These words are used to |
| Boston | | | | refer to the named insured in many of |
| Bay City | | We offer quotes for auto insurance, | | the modernized/personalized policy |
| Palm Harbor | | life insurance, homeowners | | forms. |
| Hollywood | | insurance, health insurance, term life | | |
| Tuscaloosa | | insurance and more. | | Cut Rate: This term generally applies |
| Green Bay | | | | to insurance companies who charge |
| Rochester | | Healthy people have the best | | premiums below a normal or average |
| Newark | | mortality risks and thus are much | | rate. |
| Santa Rosa | | cheaper for companies to insure. This | | |
| Sioux Falls | | translates into lower rates for the | | Indemnify: To restore the victim of a |
| Lafayette | | Super Preferred customer than | | loss to the same position as before |
| Tuscaloosa | | someone with higher risk factors such | | the loss occurred. |
| New Port Richey | | as a heart condition, cancer or | | |
| Bloomington | | diabetes. Conversely, if you were | | Premium Notice: A form notice from |
| Yonkers | | unhealthy when you acquired your | | an insurer or agency to a policy |
| Troy | | policy, and your health has now | | owner that a premium will be due on a |
| Milwaukee | | improved, it might be time to shop for | | given date. |
| San Diego | | a new policy, as your rates are likely | | |
| Denver | | to be lower. | | Buy-Back" Deductible: A deductible |
| Yuma | | | | which may be eliminated for an |
| Mobile | | | | additional premium in order to |
| Lakeland | | | | provide "first-dollar" coverage. |
