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| Frederick | | Healthy people have the best | | Basic Rate: The manual rate from |
| Gaithersburg | | mortality risks and thus are much | | which discounts are taken or to which |
| West Chester | | cheaper for companies to insure. This | | charges are added to reflect the |
| Amarillo | | translates into lower rates for the | | individual circumstances of a risk. |
| Malden | | Super Preferred customer than | | |
| Panama City | | someone with higher risk factors such | | Collusion: An agreement, usually |
| Clarksville | | as a heart condition, cancer or | | secret, between two or more persons |
| Jackson | | diabetes. Conversely, if you were | | to defraud or deprive another or |
| Newark | | unhealthy when you acquired your | | others of their property or rights. |
| Dayton | | policy, and your health has now | | |
| Saginaw | | improved, it might be time to shop for | | Broker of Record: A broker who has |
| Anderson | | a new policy, as your rates are likely | | been designated to handle certain |
| Cranston | | to be lower. | | insurance contracts for the |
| Grand Prairie | | | | policyholder. |
| Delray Beach | | Make sure you have a new policy in | | |
| Bakersfield | | place before you cancel your old one | | Federal Deposit Insurance |
| Houston | | to avoid a lapse in coverage. This will | | Corporation (FDIC): An agency of the |
| Myrtle Beach | | also prevent having to figure out the | | federal government which insures |
| Rockville | | amount of any unused premium that is | | bank deposits up to a stated |
| Troy | | due to you from your old insurance | | maximum. |
| El Cajon | | company, or having to spar with your | | |
| St. Louis | | agent about exactly when your policy | | First Party Insurance: Insurance which |
| Des Moines | | was cancelled and how much they | | applies to coverage for the insured's |
| Bloomington | | owe you. | | own property or person. Contrast with |
| Alexandria | | | | Third Party Insurance. |
| Tempe | | Why not take advantage of current | | |
| Wilmington | | low prices? Many auto insurance | | Captive Agent: One who sells |
| New Orleans | | consumers are becoming educated | | insurance for only one company as |
| Sioux City | | on other companies, plans, and rates | | opposed to an agent who represents |
| Toledo | | that are available to them; ones that | | several companies. |
| Newport Beach | | could afford them significant savings | | |
| Longwood | | on their auto insurance. | | Agency Company: An insurance |
| Berkeley | | | | company that produces business |
| Portsmouth | | People who are trying to quit | | through an agency network. Contrast |
| Roanoke | | smoking, for example, might be best | | with Direct Writer. |
| Waterloo | | suited purchasing a shorter term (and | | |
| Clearwater | | then replacing it with a longer term | | |
| Springfield | | policy when they qualify for | | |
| Longview | | non-tobacco prices). | | |
