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| Tempe | | People who are trying to quit | | Sole Proprietorship: A business |
| Fort Worth | | smoking, for example, might be best | | enterprise owned by one person who |
| Fresno | | suited purchasing a shorter term (and | | is its manager and employee. |
| Oakland | | then replacing it with a longer term | | |
| Santa Ana | | policy when they qualify for | | Countersignature: The signature of a |
| North Hollywood | | non-tobacco prices). | | licensed agent or representative on a |
| Madison | | | | policy. |
| Pasadena | | Shopping around is the best way to | | |
| Modesto | | save money on your insurance. | | Tariff Rate: A rate established by a |
| Lexington | | | | rating organization, which comes from |
| New Port Richey | | The best time to switch policies is | | the tables, schedules and rules found |
| Norwalk | | within one month of receiving your | | in the tariff of rates. |
| Cape Coral | | policy renewal from your current | | |
| Albany | | insurer. You can typically cancel your | | Policywriting Agent: An agent who has |
| Shreveport | | policy without any fees or penalties if | | the authority to prepare and effect an |
| Glendale | | you act within this time period. | | insurer's policy. |
