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| Pasadena | | If you have noticed that your auto | | Flat Cancellation: A policy which is |
| Albuquerque | | insurance rates are still increasing | | cancelled upon its effective date. |
| Sumter | | with each renewal, or even have not | | Usually under a flat cancellation no |
| New Orleans | | gone down even though you have a | | premium charge is made. |
| Racine | | great driving record, this lower pricing | | |
| Jasper | | trend makes it more important then | | Brick Veneer Construction: Refers to |
| Pittsburgh | | ever that you shop around for auto | | a building where the outside walls are |
| Durham | | insurance. | | constructed of wood with a facing of a |
| Davenport | | | | single layer of brick. |
| Santa Clara | | People who are trying to quit | | |
| Arlington | | smoking, for example, might be best | | Net Interest Earned: The average |
| Escondido | | suited purchasing a shorter term (and | | interest earned by an insurer on its |
| Newark | | then replacing it with a longer term | | investments after investment expense |
| Little Rock | | policy when they qualify for | | but before federal income taxes. |
| Longmont | | non-tobacco prices). | | |
| Chesapeake | | | | Earned Income: The money |
| Thousand Oaks | | While some companies raise their | | individuals earn as a result of working |
| Macon | | prices based on your actual age, | | at some job or occupation for which |
| Anaheim | | most companies increase the price of | | they are paid a salary. |
| Rapid City | | their policies six months before your | | |
| Phoenix | | birthday. Its a term called Age | | Adjustment Bureau: A firm organized |
| Rapid City | | Nearest in the industry, and that | | to provide adjustment services to |
| Schaumburg | | half-year price increase could really | | insurers not wishing to create their |
| Downey | | add up over a 20-year term policy. As | | own claims division. |
| Hendersonville | | above, the quicker you purchase your | | |
| Palo Alto | | policy the better. | | Partnership Entity: The partnership |
| Palm Harbor | | | | considered as an entity and not in |
| Irvine | | Healthy people have the best | | terms of its individual part-owners. |
| Kalamazoo | | mortality risks and thus are much | | |
| Decatur | | cheaper for companies to insure. This | | Commingling: An illegal practice |
| Toledo | | translates into lower rates for the | | which occurs when an agent mixes |
| Longview | | Super Preferred customer than | | personal funds with the insured's or |
| Woodbridge | | someone with higher risk factors such | | insurer's funds. |
| Redlands | | as a heart condition, cancer or | | |
| San Diego | | diabetes. Conversely, if you were | | |
| Woodbridge | | unhealthy when you acquired your | | |
| Redlands | | policy, and your health has now | | |
| Hickory | | improved, it might be time to shop for | | |
| Lima | | a new policy, as your rates are likely | | |
| Nashua | | to be lower. | | |
