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| Topeka | | Why not take advantage of current | | Other Insurance: The existence of |
| Baltimore | | low prices? Many auto insurance | | other contracts covering the same |
| Augusta | | consumers are becoming educated | | interest and perils. |
| Metairie | | on other companies, plans, and rates | | |
| Florence | | that are available to them; ones that | | Coding: A method of putting |
| Nashua | | could afford them significant savings | | information into a numerical form for |
| Cleveland | | on their auto insurance. | | statistical use. Most information on |
| Santa Barbara | | | | policies is coded and then put into |
| Lawrenceville | | Healthy people have the best | | reports. |
| Huntsville | | mortality risks and thus are much | | |
| Jasper | | cheaper for companies to insure. This | | Fiduciary: A person holding the funds |
| Kansas City | | translates into lower rates for the | | or property of another in a position of |
| Ocala | | Super Preferred customer than | | trust. An example would be the |
| Brooklyn | | someone with higher risk factors such | | executor of an estate. |
| Naples | | as a heart condition, cancer or | | |
| Greenville | | diabetes. Conversely, if you were | | Authorized Insurer: An insurer |
| Huntsville | | unhealthy when you acquired your | | authorized by the state to transact |
| Dearborn | | policy, and your health has now | | business in that state for specific |
| Tucson | | improved, it might be time to shop for | | types of insurance. |
| Council Bluffs | | a new policy, as your rates are likely | | |
| Malden | | to be lower. | | Inspection: Independent checking on |
| Corona | | | | facts about an applicant, |
| Corpus Christi | | If you have noticed that your auto | | policyholder, or claimant, usually by a |
| Manchester | | insurance rates are still increasing | | commercial inspection agency. |
| Bakersfield | | with each renewal, or even have not | | |
| Fort Smith | | gone down even though you have a | | Commingling: An illegal practice |
| Madison | | great driving record, this lower pricing | | which occurs when an agent mixes |
| Bay City | | trend makes it more important then | | personal funds with the insured's or |
| Edison | | ever that you shop around for auto | | insurer's funds. |
| Albany | | insurance. | | |
| Stuart | | | | Short-Term Policy: A policy written for |
| Raleigh | | The best time to switch policies is | | a period of less time than is normal for |
| Bronx | | within one month of receiving your | | that type of policy. |
| Johnson City | | policy renewal from your current | | |
| Rochester | | insurer. You can typically cancel your | | |
| Wilmington | | policy without any fees or penalties if | | |
| Muskegon | | you act within this time period. | | |
