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| Youngstown | | Why not take advantage of current | | New For Old: Replacing old |
| Columbia | | low prices? Many auto insurance | | damaged parts or equipment with |
| Santa Rosa | | consumers are becoming educated | | new ones rather than repairing them. |
| Rome | | on other companies, plans, and rates | | |
| Edmond | | that are available to them; ones that | | Policy Period (or Term): The period |
| Pueblo | | could afford them significant savings | | during which the policy contract |
| Trenton | | on their auto insurance. | | affords protection, e.g., six months or |
| Palm Harbor | | | | one or three years. |
| Des Moines | | People who are trying to quit | | |
| York | | smoking, for example, might be best | | National Auto Theft Bureau: An |
| Houma | | suited purchasing a shorter term (and | | organization engaged in the |
| Asheville | | then replacing it with a longer term | | prevention and reduction of motor |
| Myrtle Beach | | policy when they qualify for | | vehicle fire and theft losses. |
| Bloomington | | non-tobacco prices). | | |
| Augusta | | | | Index Bureau Experience: A measure |
| Westbury | | Life insurance, specifically Term Life, | | of losses relating to claims reported |
| Washington | | is arguably one of the best values in | | through a claim office during a |
| Santa Monica | | the entire financial services arena. | | 12-month period. |
| Fort Myers | | Where else can you go and get | | |
| Salt Lake City | | hundreds of thousands of dollars in | | Collusion: An agreement, usually |
| Racine | | protection for literally pennies per | | secret, between two or more persons |
| Downey | | day? Rates for Term Life insurance | | to defraud or deprive another or |
| New Port Richey | | remain at all-time lows, and now is the | | others of their property or rights. |
| Little Rock | | time to lock in the best prices. | | |
| Vineland | | | | Provisions: Statements contained in |
| Palm Desert | | Healthy people have the best | | an insurance policy which explain the |
| Johnstown | | mortality risks and thus are much | | benefits, conditions and other |
| Santa Ana | | cheaper for companies to insure. This | | features of the insurance contract. |
| Alpharetta | | translates into lower rates for the | | |
| Garland | | Super Preferred customer than | | Expense Allowance: A compensation |
| Burbank | | someone with higher risk factors such | | paid to an insurance agent in excess |
| Spartanburg | | as a heart condition, cancer or | | of prescribed commissions. |
| Littleton | | diabetes. Conversely, if you were | | |
| Lincoln | | unhealthy when you acquired your | | Net Loss: The amount of loss |
| Cherry Hill | | policy, and your health has now | | sustained by an insurer after giving |
| Chesapeake | | improved, it might be time to shop for | | effect to all applicable reinsurance, |
| Huntington Beach | | a new policy, as your rates are likely | | salvage, and subrogation recoveries. |
| Carlsbad | | to be lower. | | |
