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| Frederick | | If you have noticed that your auto | | Valued: Relating to an agreement by |
| Salt Lake City | | insurance rates are still increasing | | an insurer to pay a specified amount |
| Ocala | | with each renewal, or even have not | | of money to or on behalf of the |
| Winter Haven | | gone down even though you have a | | insured upon occurrence of a defined |
| Cambridge | | great driving record, this lower pricing | | loss. |
| Columbus | | trend makes it more important then | | |
| Alameda | | ever that you shop around for auto | | Exclusion: A contractual provision that |
| Minneapolis | | insurance. | | denies coverage for certain perils, |
| Torrance | | | | persons, property, or locations. |
| San Bernardino | | Healthy people have the best | | |
| Rome | | mortality risks and thus are much | | Borderline Risk: An insurance |
| Rochester | | cheaper for companies to insure. This | | prospect of doubtful quality from an |
| Anaheim | | translates into lower rates for the | | underwriting point of view. |
| Fort Myers | | Super Preferred customer than | | |
| Tyler | | someone with higher risk factors such | | Earned Income: The money |
| Los Angeles | | as a heart condition, cancer or | | individuals earn as a result of working |
| Lowell | | diabetes. Conversely, if you were | | at some job or occupation for which |
| Santa Barbara | | unhealthy when you acquired your | | they are paid a salary. |
| Littleton | | policy, and your health has now | | |
| Cape Coral | | improved, it might be time to shop for | | Commercial Lines: This term is used |
| Sioux Falls | | a new policy, as your rates are likely | | to refer to insurance for businesses, |
| Decatur | | to be lower. | | professionals, and commercial |
| Lima | | | | establishments. |
| Racine | | Make sure you have a new policy in | | |
| Philadelphia | | place before you cancel your old one | | Insurance Policy: The printed form |
| Lubbock | | to avoid a lapse in coverage. This will | | which serves as the contract between |
| Inglewood | | also prevent having to figure out the | | an insurer and an insured. |
| San Jose | | amount of any unused premium that is | | |
| Spokane | | due to you from your old insurance | | Business: In Property, Liability, and |
| Muskegon | | company, or having to spar with your | | Health lines, it usually refers to the |
| Honolulu | | agent about exactly when your policy | | volume of premiums. |
| Portsmouth | | was cancelled and how much they | | |
| Billings | | owe you. | | Depreciation: A decrease in the value |
| Athens | | | | of any type of tangible property over |
| Panama City | | | | a period of time resulting from use, |
| Grand Junction | | | | wear and tear, or obsolescence. |
