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| Cedar Rapids | | While some companies raise their | | Deductible: The portion of an insured |
| Wichita Falls | | prices based on your actual age, | | loss to be borne by the insured |
| Cambridge | | most companies increase the price of | | before he is entitled to recovery from |
| Conroe | | their policies six months before your | | the insurer. |
| Hickory | | birthday. Its a term called Age | | |
| Santa Ana | | Nearest in the industry, and that | | Policy Period (or Term): The period |
| Thousand Oaks | | half-year price increase could really | | during which the policy contract |
| Jackson | | add up over a 20-year term policy. As | | affords protection, e.g., six months or |
| Charleston | | above, the quicker you purchase your | | one or three years. |
| Woodbridge | | policy the better. | | |
| Panama City | | | | Interstate Carrier: A transportation |
| Santa Rosa | | Healthy people have the best | | company which does business |
| Sunnyvale | | mortality risks and thus are much | | across state lines. |
| Bellevue | | cheaper for companies to insure. This | | |
| Inglewood | | translates into lower rates for the | | FICA. Federal Insurance Contributions |
| Englewood | | Super Preferred customer than | | Act: A law imposing a payroll tax to |
| Vancouver | | someone with higher risk factors such | | assist in funding Social Security |
| Rockville | | as a heart condition, cancer or | | benefits. |
| Spartanburg | | diabetes. Conversely, if you were | | |
| Jackson | | unhealthy when you acquired your | | Basic Rate: The manual rate from |
| Bronx | | policy, and your health has now | | which discounts are taken or to which |
| Jonesboro | | improved, it might be time to shop for | | charges are added to reflect the |
| Thousand Oaks | | a new policy, as your rates are likely | | individual circumstances of a risk. |
| Edison | | to be lower. | | |
| Boca Raton | | | | Foreign Insurer: An insurer domiciled |
| Franklin | | The quickest and easiest way to | | in a state of the United States other |
| Cincinnati | | shop for new insurance is by | | than the one in which the insured's |
| Aurora | | comparing rates at InsWebs online | | insurance is written. |
| New York | | marketplace. If you do it the | | |
| Columbia | | old-fashioned way (by calling or | | Partial Loss: A loss covered by an |
| Tempe | | visiting multiple agents or insurance | | insurance policy which does not |
| Tuscaloosa | | companies) it could take up a huge | | completely destroy or render |
| Malden | | chunk of your time, which no one | | worthless the insured property. |
| Beaumont | | wants or needs. By completing | | |
| Flint | | InsWebs online application, you will | | |
| Bronx | | have rates to compare to your old | | |
| Baton Rouge | | ones within minutes! | | |
