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| Redlands | | Why not take advantage of current | | License: A certification of authority for |
| Conroe | | low prices? Many auto insurance | | an agent or insurer to operate, given |
| Columbia | | consumers are becoming educated | | by the appropriate jurisdiction. |
| Cranston | | on other companies, plans, and rates | | |
| Irving | | that are available to them; ones that | | National Auto Theft Bureau: An |
| York | | could afford them significant savings | | organization engaged in the |
| Alexandria | | on their auto insurance. | | prevention and reduction of motor |
| Mansfield | | | | vehicle fire and theft losses. |
| Carlsbad | | If you have noticed that your auto | | |
| Glendale | | insurance rates are still increasing | | Broker of Record: A broker who has |
| Boise | | with each renewal, or even have not | | been designated to handle certain |
| Reading | | gone down even though you have a | | insurance contracts for the |
| Killeen | | great driving record, this lower pricing | | policyholder. |
| Silver Spring | | trend makes it more important then | | |
| Stockton | | ever that you shop around for auto | | Depreciation: A decrease in the value |
| Mesquite | | insurance. | | of any type of tangible property over |
| Santa Barbara | | | | a period of time resulting from use, |
| Newark | | Everyone has different needs, and | | wear and tear, or obsolescence. |
| Gaithersburg | | not one size fits all when it comes to | | |
| Longmont | | term life insurance. While it may make | | Premium Receipt: The receipt given |
| Dothan | | sense for people in their 30s and 40s | | a policy owner for the payment of a |
| Oxnard | | to secure a 20-year term length, a | | premium. |
| Phoenix | | 10-year term might be more | | |
| Salem | | appropriate for someone nearing | | Dual Life Stock Company: A stock |
| Allentown | | retirement. | | Life insurer issuing both participating |
| Troy | | | | and nonparticipating policy contracts. |
| Syracuse | | Healthy people have the best | | |
| Canton | | mortality risks and thus are much | | American Risk and Insurance |
| Odessa | | cheaper for companies to insure. This | | Association: An association of |
| Sioux City | | translates into lower rates for the | | insurance educators and others |
| Burbank | | Super Preferred customer than | | interested in insurance study and |
| Raleigh | | someone with higher risk factors such | | research. |
| Manchester | | as a heart condition, cancer or | | |
| Springfield | | diabetes. Conversely, if you were | | Policy Anniversary: The anniversary |
| Glendale | | unhealthy when you acquired your | | of the date of issue of a policy as |
| Scranton | | policy, and your health has now | | shown in the policy declarations. |
| Mesquite | | improved, it might be time to shop for | | |
| Gainesville | | a new policy, as your rates are likely | | |
| Costa Mesa | | to be lower. | | |
