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| St. Joseph | | Why not take advantage of current | | Level Commission System: A system |
| Bloomington | | low prices? Many auto insurance | | of commissions in which the first year |
| Tacoma | | consumers are becoming educated | | and all renewal commissions are the |
| Arlington | | on other companies, plans, and rates | | same percentage of the premium. |
| Greenville | | that are available to them; ones that | | |
| Thousand Oaks | | could afford them significant savings | | Agency: An insurance sales office |
| Cleveland | | on their auto insurance. | | which is directed by a agent, |
| Inglewood | | | | manager, independent agent, or |
| Texarkana | | Healthy people have the best | | company manager. |
| Lowell | | mortality risks and thus are much | | |
| Sunnyvale | | cheaper for companies to insure. This | | Short Rate Premium: The premium |
| Killeen | | translates into lower rates for the | | required for issuing a policy for a |
| Naples | | Super Preferred customer than | | period less than its normal term. |
| Pembroke Pines | | someone with higher risk factors such | | |
| Henderson | | as a heart condition, cancer or | | Commercial Lines: This term is used |
| Omaha | | diabetes. Conversely, if you were | | to refer to insurance for businesses, |
| Seattle | | unhealthy when you acquired your | | professionals, and commercial |
| Raleigh | | policy, and your health has now | | establishments. |
| Wilmington | | improved, it might be time to shop for | | |
| Naperville | | a new policy, as your rates are likely | | Fictitious Groups: Groups formed |
| San Diego | | to be lower. | | primarily for the purpose of buying |
| Anderson | | | | insurance. Under the law such groups |
| New Orleans | | At InsWeb, you can compare free | | may not be underwritten. |
| Lubbock | | online insurance quotes from many of | | |
| Belleville | | the nations leading insurance | | Deflation: An economic period |
| Jonesboro | | companies. | | characterized by falling prices, high |
| Springfield | | | | unemployment and a generally |
| Hemet | | If you decide to cancel your policy | | sluggish or slow economy. |
| Mountain View | | (after acquiring new coverage) | | |
| Vancouver | | outside of the 30-day period, you may | | Fiduciary: A person holding the funds |
| Longmont | | have to pay a fee or penalty. | | or property of another in a position of |
| Wichita | | However, you may still save money | | trust. An example would be the |
| Council Bluffs | | after paying the fee if your new policy | | executor of an estate. |
| North Hollywood | | affords you significant savings. So | | |
| San Bernardino | | while it is best to wait until your | | |
| Billings | | receive your renewal notice, you CAN | | |
| Canton | | cancel your policy at any time. | | |
