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| Livonia | | People who are trying to quit | | New For Old: Replacing old |
| Orlando | | smoking, for example, might be best | | damaged parts or equipment with |
| Grand Rapids | | suited purchasing a shorter term (and | | new ones rather than repairing them. |
| Springfield | | then replacing it with a longer term | | |
| Boston | | policy when they qualify for | | Amendment: A formal document |
| Spartanburg | | non-tobacco prices). | | which corrects or revises an |
| Tulsa | | | | insurance master policy. |
| Kansas City | | The best time to switch policies is | | |
| Fall River | | within one month of receiving your | | Flat Cancellation: A policy which is |
| Yuma | | policy renewal from your current | | cancelled upon its effective date. |
| Spartanburg | | insurer. You can typically cancel your | | Usually under a flat cancellation no |
| Worcester | | policy without any fees or penalties if | | premium charge is made. |
| Bay City | | you act within this time period. | | |
| Longwood | | | | Minimum Premium: The smallest |
| Westbury | | Healthy people have the best | | amount of premium for which an |
| Franklin | | mortality risks and thus are much | | insurer will issue coverage under a |
| Melbourne | | cheaper for companies to insure. This | | given policy. |
| Costa Mesa | | translates into lower rates for the | | |
| Macon | | Super Preferred customer than | | National Auto Theft Bureau: An |
| Boynton Beach | | someone with higher risk factors such | | organization engaged in the |
| Albuquerque | | as a heart condition, cancer or | | prevention and reduction of motor |
| Huntington Beach | | diabetes. Conversely, if you were | | vehicle fire and theft losses. |
| Joliet | | unhealthy when you acquired your | | |
| Mobile | | policy, and your health has now | | Broker-Agent: One acting as an agent |
| Sioux Falls | | improved, it might be time to shop for | | of one or more insurers and as a |
| Buffalo | | a new policy, as your rates are likely | | broker in dealing with one or more |
| Morristown | | to be lower. | | other insurers. |