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| Davenport | | Individuals who have 30-year | | Level Commission System: A system |
| Daytona Beach | | mortgages might want to consider a | | of commissions in which the first year |
| Santa Barbara | | 30-year term to ensure that the house | | and all renewal commissions are the |
| Tampa | | is protected throughout the period of | | same percentage of the premium. |
| Boise | | the loan. | | |
| El Cajon | | | | Flat Cancellation: A policy which is |
| Killeen | | The best time to switch policies is | | cancelled upon its effective date. |
| Canton | | within one month of receiving your | | Usually under a flat cancellation no |
| Oakland | | policy renewal from your current | | premium charge is made. |
| Warren | | insurer. You can typically cancel your | | |
| Pittsburgh | | policy without any fees or penalties if | | Borderline Risk: An insurance |
| Venice | | you act within this time period. | | prospect of doubtful quality from an |
| Charleston | | | | underwriting point of view. |
| Longmont | | Why not take advantage of current | | |
| Long Beach | | low prices? Many auto insurance | | Professional Insurance Agents |
| Jackson | | consumers are becoming educated | | Association: A trade association of |
| Racine | | on other companies, plans, and rates | | mutual insurance agents. |
| Louisville | | that are available to them; ones that | | |
| Santa Clara | | could afford them significant savings | | Index Bureau Experience: A measure |
| Poughkeepsie | | on their auto insurance. | | of losses relating to claims reported |
| Muncie | | | | through a claim office during a |
| West Chester | | People who are trying to quit | | 12-month period. |
| Quincy | | smoking, for example, might be best | | |
| Schaumburg | | suited purchasing a shorter term (and | | Building Code: This refers to |
| Omaha | | then replacing it with a longer term | | municipal or other governmental |
| Charleston | | policy when they qualify for | | ordinances regulating the type of |
| Fort Worth | | non-tobacco prices). | | construction of buildings within its |
| Winter Park | | | | jurisdiction. |
| Racine | | Healthy people have the best | | |
| Fairfax | | mortality risks and thus are much | | Indemnify: To restore the victim of a |
| Muskegon | | cheaper for companies to insure. This | | loss to the same position as before |
| Bayside | | translates into lower rates for the | | the loss occurred. |
| Belleville | | Super Preferred customer than | | |
| Fayetteville | | someone with higher risk factors such | | Partnership Entity: The partnership |
| Stockbridge | | as a heart condition, cancer or | | considered as an entity and not in |
| Lakewood | | diabetes. Conversely, if you were | | terms of its individual part-owners. |
| Lawton | | unhealthy when you acquired your | | |
| Walnut Creek | | policy, and your health has now | | |
| Burbank | | improved, it might be time to shop for | | |
| Palm Desert | | a new policy, as your rates are likely | | |
| Boynton Beach | | to be lower. | | |
