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| Belleville | | While some companies raise their | | Exclusion: A contractual provision that |
| Williamsport | | prices based on your actual age, | | denies coverage for certain perils, |
| Alpharetta | | most companies increase the price of | | persons, property, or locations. |
| Phoenix | | their policies six months before your | | |
| Austin | | birthday. Its a term called Age | | Overlapping Insurance: Coverage |
| Jersey City | | Nearest in the industry, and that | | from two or more policies or insurers |
| Portland | | half-year price increase could really | | which duplicates coverage of certain |
| Raleigh | | add up over a 20-year term policy. As | | risks. |
| Yuma | | above, the quicker you purchase your | | |
| Lake Worth | | policy the better. | | Legislative Risk: A risk faced by |
| Gaithersburg | | | | investors whereby changes in tax |
| Goldsboro | | Everyone has different needs, and | | laws can result in adverse effects on |
| Tacoma | | not one size fits all when it comes to | | the individual's investment results. |
| Lafayette | | term life insurance. While it may make | | |
| Rockville | | sense for people in their 30s and 40s | | Gross Premium: The net premium |
| Bakersfield | | to secure a 20-year term length, a | | plus operating expenses, |
| Lowell | | 10-year term might be more | | commissions and other expenses. |
| Mesa | | appropriate for someone nearing | | |
| Springfield | | retirement. | | New For Old: Replacing old |
| Texarkana | | | | damaged parts or equipment with |
| Colorado Springs | | Shopping around is the best way to | | new ones rather than repairing them. |
| Sterling Heights | | save money on your insurance. | | |
| Alpharetta | | | | Producer: A term applied to an agent, |
| Irving | | The best time to switch policies is | | solicitor or other person who sells |
| Denton | | within one month of receiving your | | insurance. |
| Glendale | | policy renewal from your current | | |
| Fullerton | | insurer. You can typically cancel your | | National Auto Theft Bureau: An |
| Irvine | | policy without any fees or penalties if | | organization engaged in the |
| Lima | | you act within this time period. | | prevention and reduction of motor |
| Wilmington | | | | vehicle fire and theft losses. |
| Oakland | | If you have noticed that your auto | | |
| Kansas City | | insurance rates are still increasing | | Indemnity: Restoration to the victim of |
| Newark | | with each renewal, or even have not | | a loss by payment, repair, or |
| Sioux Falls | | gone down even though you have a | | replacement. |
| Saginaw | | great driving record, this lower pricing | | |
| Lima | | trend makes it more important then | | |
| Las Cruces | | ever that you shop around for auto | | |
| Olympia | | insurance. | | |
