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| West Palm Beach | | If you have noticed that your auto | | Premises: The particular location of |
| Tempe | | insurance rates are still increasing | | property or a portion thereof as |
| Lakewood | | with each renewal, or even have not | | designated in a policy. |
| Pompano Beach | | gone down even though you have a | | |
| Kalamazoo | | great driving record, this lower pricing | | Appraisal: An evaluation of property |
| Independence | | trend makes it more important then | | made to ascertain either the |
| Chandler | | ever that you shop around for auto | | appropriate amount of insurance to |
| Carlsbad | | insurance. | | be written or the amount of loss to be |
| Jonesboro | | | | paid. |
| Wilmington | | If you decide to cancel your policy | | |
| Orange | | (after acquiring new coverage) | | Criticism: A correction suggested by a |
| Kansas City | | outside of the 30-day period, you may | | rating or auditing bureau to an insurer. |
| Hattiesburg | | have to pay a fee or penalty. | | |
| Oceanside | | However, you may still save money | | Premium Notice: A form notice from |
| Lorain | | after paying the fee if your new policy | | an insurer or agency to a policy |
| Naperville | | affords you significant savings. So | | owner that a premium will be due on a |
| Syracuse | | while it is best to wait until your | | given date. |
| Hot Springs | | receive your renewal notice, you CAN | | |
| Pembroke Pines | | cancel your policy at any time. | | You/Your: These words are used to |
| Evansville | | | | refer to the named insured in many of |
| Fresno | | We offer quotes for auto insurance, | | the modernized/personalized policy |
| Racine | | life insurance, homeowners | | forms. |
| Winter Park | | insurance, health insurance, term life | | |
| Yonkers | | insurance and more. | | Business: In Property, Liability, and |
| Durham | | | | Health lines, it usually refers to the |
| San Francisco | | Healthy people have the best | | volume of premiums. |
| Long Beach | | mortality risks and thus are much | | |
| Orange | | cheaper for companies to insure. This | | Gross Line: The total limit accepted |
| Grand Junction | | translates into lower rates for the | | by an insurer on an individual risk, |
| St. Joseph | | Super Preferred customer than | | including the amount to be reinsured. |
| New Port Richey | | someone with higher risk factors such | | |
| Raleigh | | as a heart condition, cancer or | | Short Rate Premium: The premium |
| Oklahoma City | | diabetes. Conversely, if you were | | required for issuing a policy for a |
| Erie | | unhealthy when you acquired your | | period less than its normal term. |
| Longmont | | policy, and your health has now | | |
| Fort Wayne | | improved, it might be time to shop for | | |
| Cincinnati | | a new policy, as your rates are likely | | |
| Dallas | | to be lower. | | |
