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| Grand Junction | | If you decide to cancel your policy | | Admitted (or Allowed) Assets: Assets |
| Evanston | | (after acquiring new coverage) | | whose values are permitted by state |
| Flushing | | outside of the 30-day period, you may | | law to be included in the annual |
| Marietta | | have to pay a fee or penalty. | | statement of the insurer. |
| Tempe | | However, you may still save money | | |
| Edmond | | after paying the fee if your new policy | | Commission of Authority: A document |
| Rome | | affords you significant savings. So | | outlining the powers delegated to an |
| Jackson | | while it is best to wait until your | | agent by an insurer. |
| Winter Park | | receive your renewal notice, you CAN | | |
| Hickory | | cancel your policy at any time. | | Mandatory Valuation Reserve: A |
| Johnstown | | | | reserve required by a state law to |
| Norfolk | | Why not take advantage of current | | offset any declines in the valuation of |
| Yuma | | low prices? Many auto insurance | | securities listed as admitted assets. |
| Bakersfield | | consumers are becoming educated | | |
| Reno | | on other companies, plans, and rates | | Liquidity: The ability of an insurer to |
| Turlock | | that are available to them; ones that | | convert its assets into cash to pay |
| Palm Harbor | | could afford them significant savings | | claims if necessary. |
| Fresno | | on their auto insurance. | | |
| Orange | | | | Tariff Rate: A rate established by a |
| Memphis | | At InsWeb, you can compare free | | rating organization, which comes from |
| Metairie | | online insurance quotes from many of | | the tables, schedules and rules found |
| Tulsa | | the nations leading insurance | | in the tariff of rates. |
| Manchester | | companies. | | |
| Edison | | | | Malicious Mischief: Similar to |
| Baltimore | | If you have noticed that your auto | | vandalism. Purposely damaging the |
| Albany | | insurance rates are still increasing | | rights or property of another. |
| Hampton | | with each renewal, or even have not | | |
| Bakersfield | | gone down even though you have a | | Capital Sum: The maximum lump sum |
| Charlotte | | great driving record, this lower pricing | | payable in the event of accidental |
| High Point | | trend makes it more important then | | death or dismemberment. |
| Tyler | | ever that you shop around for auto | | |
| Staten Island | | insurance. | | Brokerage Business: Business |
| Bellevue | | | | offered to an insurer by a broker. This |
| Glendale | | Healthy people have the best | | is sometimes called excess or |
| Gaithersburg | | mortality risks and thus are much | | surplus business. |
| Toledo | | cheaper for companies to insure. This | | |
| Myrtle Beach | | translates into lower rates for the | | |
| Boston | | Super Preferred customer than | | |
| Peoria | | someone with higher risk factors such | | |
| Stockbridge | | as a heart condition, cancer or | | |
| Lima | | diabetes. Conversely, if you were | | |
| Albany | | unhealthy when you acquired your | | |
| Manchester | | policy, and your health has now | | |
| San Antonio | | improved, it might be time to shop for | | |
| Milwaukee | | a new policy, as your rates are likely | | |
| Omaha | | to be lower. | | |
