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| Santa Ana | | While some companies raise their | | You/Your: These words are used to |
| Ocala | | prices based on your actual age, | | refer to the named insured in many of |
| Irvine | | most companies increase the price of | | the modernized/personalized policy |
| Goldsboro | | their policies six months before your | | forms. |
| St. Paul | | birthday. Its a term called Age | | |
| Virginia Beach | | Nearest in the industry, and that | | Absolute Assignment: Assignment by |
| Warren | | half-year price increase could really | | a policy owner of all control of and |
| Duluth | | add up over a 20-year term policy. As | | rights in the policy to a third party. |
| Riverside | | above, the quicker you purchase your | | |
| Santa Clara | | policy the better. | | Authorized Insurer: An insurer |
| Anderson | | | | authorized by the state to transact |
| Buffalo | | If you have noticed that your auto | | business in that state for specific |
| San Antonio | | insurance rates are still increasing | | types of insurance. |
| Detroit | | with each renewal, or even have not | | |
| Montgomery | | gone down even though you have a | | Producer: A term applied to an agent, |
| Salem | | great driving record, this lower pricing | | solicitor or other person who sells |
| Jersey City | | trend makes it more important then | | insurance. |
| Gainesville | | ever that you shop around for auto | | |
| Turlock | | insurance. | | Mutualization: The process of |
| New Orleans | | | | converting a stock insurer to a mutual |
| St. Joseph | | The quickest and easiest way to | | insurer, accomplished by having the |
| Spartanburg | | shop for new insurance is by | | insurer buy stock and retire it. |
| Eugene | | comparing rates at InsWebs online | | |
| Virginia Beach | | marketplace. If you do it the | | Amendment: A formal document |
| Fairfax | | old-fashioned way (by calling or | | which corrects or revises an |
| Killeen | | visiting multiple agents or insurance | | insurance master policy. |
| Portland | | companies) it could take up a huge | | |
| Macon | | chunk of your time, which no one | | Public Adjuster: An insurance adjuster |
| Union | | wants or needs. By completing | | who represents an insured on a fee |
| Tuscaloosa | | InsWebs online application, you will | | basis in claims settlement. Contrast |
| Biloxi | | have rates to compare to your old | | with Independent Adjuster. |
| Quincy | | ones within minutes! | | |
| Frederick | | | | Divided Cover: The placing of |
| Athens | | The best time to switch policies is | | insurance on a given subject or |
| Augusta | | within one month of receiving your | | object with more than one insurer. |
| West Palm Beach | | policy renewal from your current | | |
| Delray Beach | | insurer. You can typically cancel your | | |
| Fayetteville | | policy without any fees or penalties if | | |
| Torrance | | you act within this time period. | | |
