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| Irving | | Shopping around is the best way to | | Paid-In Surplus: Surplus paid in by |
| Kingsport | | save money on your insurance. | | stockholders, as contrasted with |
| Huntsville | | | | surplus earned through the |
| Myrtle Beach | | Make sure you have a new policy in | | operations of a business. |
| Corpus Christi | | place before you cancel your old one | | |
| Boca Raton | | to avoid a lapse in coverage. This will | | Coding: A method of putting |
| Tacoma | | also prevent having to figure out the | | information into a numerical form for |
| Hemet | | amount of any unused premium that is | | statistical use. Most information on |
| Columbus | | due to you from your old insurance | | policies is coded and then put into |
| Cincinnati | | company, or having to spar with your | | reports. |
| Huntington Beach | | agent about exactly when your policy | | |
| Edison | | was cancelled and how much they | | Deflation: An economic period |
| Bakersfield | | owe you. | | characterized by falling prices, high |
| Charlotte | | | | unemployment and a generally |
| South Bend | | While some companies raise their | | sluggish or slow economy. |
| Decatur | | prices based on your actual age, | | |
| Clarksville | | most companies increase the price of | | Initial Premium: An amount paid at the |
| Kansas City | | their policies six months before your | | inception of an insurance contract, |
| Flint | | birthday. Its a term called Age | | usually subject to adjustment at the |
| Fayetteville | | Nearest in the industry, and that | | end of the policy period. |
| Columbus | | half-year price increase could really | | |
| Nashville | | add up over a 20-year term policy. As | | Buy-Back" Deductible: A deductible |
| Corona | | above, the quicker you purchase your | | which may be eliminated for an |
| Panama City | | policy the better. | | additional premium in order to |
| Raleigh | | | | provide "first-dollar" coverage. |
| Downey | | If you decide to cancel your policy | | |
| Ventura | | (after acquiring new coverage) | | Deficit Carried Forward: The transfer |
| Tampa | | outside of the 30-day period, you may | | of a debit balance from one |
| Corona | | have to pay a fee or penalty. | | accounting period to another. |
| Tulsa | | However, you may still save money | | |
| Evansville | | after paying the fee if your new policy | | Sole Proprietorship: A business |
| Redlands | | affords you significant savings. So | | enterprise owned by one person who |
| Jacksonville | | while it is best to wait until your | | is its manager and employee. |
| Torrance | | receive your renewal notice, you CAN | | |
| Coral Springs | | cancel your policy at any time. | | |
