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| Abilene | | Why not take advantage of current | | Fiduciary: A person holding the funds |
| Long Island City | | low prices? Many auto insurance | | or property of another in a position of |
| Worcester | | consumers are becoming educated | | trust. An example would be the |
| Marietta | | on other companies, plans, and rates | | executor of an estate. |
| Syracuse | | that are available to them; ones that | | |
| Frederick | | could afford them significant savings | | Captive Agent: One who sells |
| Fredericksburg | | on their auto insurance. | | insurance for only one company as |
| South Bend | | | | opposed to an agent who represents |
| Glendale | | Healthy people have the best | | several companies. |
| Santa Ana | | mortality risks and thus are much | | |
| Minneapolis | | cheaper for companies to insure. This | | Overlapping Insurance: Coverage |
| Providence | | translates into lower rates for the | | from two or more policies or insurers |
| Waco | | Super Preferred customer than | | which duplicates coverage of certain |
| Pembroke Pines | | someone with higher risk factors such | | risks. |
| Independence | | as a heart condition, cancer or | | |
| Silver Spring | | diabetes. Conversely, if you were | | Time Limits: The limits of time within |
| West Chester | | unhealthy when you acquired your | | which notice of a claim and proof of a |
| Bethlehem | | policy, and your health has now | | loss must be submitted. |
| Asheville | | improved, it might be time to shop for | | |
| Ogden | | a new policy, as your rates are likely | | Replacement: A new policy written to |
| Union | | to be lower. | | take the place of one currently in force. |
