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| Long Island City | | The quickest and easiest way to | | Tariff Rate: A rate established by a |
| Santa Rosa | | shop for new insurance is by | | rating organization, which comes from |
| Reno | | comparing rates at InsWebs online | | the tables, schedules and rules found |
| Allentown | | marketplace. If you do it the | | in the tariff of rates. |
| Tulsa | | old-fashioned way (by calling or | | |
| Odessa | | visiting multiple agents or insurance | | We/Us/Our: These words are used to |
| Mountain View | | companies) it could take up a huge | | refer to the insurer in many of the |
| Jonesboro | | chunk of your time, which no one | | modernized/personalized policy |
| Trenton | | wants or needs. By completing | | forms recently introduced. |
| Greeley | | InsWebs online application, you will | | |
| Ann Arbor | | have rates to compare to your old | | Open Rating: A system whereby a |
| Lawton | | ones within minutes! | | state allows an insurer to use rates |
| Hollywood | | | | without prior approval. |
| Colorado Springs | | If you have noticed that your auto | | |
| Myrtle Beach | | insurance rates are still increasing | | Convention Values: Values assigned |
| Bloomington | | with each renewal, or even have not | | to insurers' assets in the convention |
| Spring Hill | | gone down even though you have a | | blank. |
| Roanoke | | great driving record, this lower pricing | | |
| Metairie | | trend makes it more important then | | Premium Notice: A form notice from |
| Thousand Oaks | | ever that you shop around for auto | | an insurer or agency to a policy |
| Berkeley | | insurance. | | owner that a premium will be due on a |
| Columbus | | | | given date. |
| Fort Lauderdale | | Everyone has different needs, and | | |
| Santa Rosa | | not one size fits all when it comes to | | Short Rate Premium: The premium |
| Union | | term life insurance. While it may make | | required for issuing a policy for a |
| Allentown | | sense for people in their 30s and 40s | | period less than its normal term. |
| Anderson | | to secure a 20-year term length, a | | |
| Columbia | | 10-year term might be more | | Monoline Policy: Any insurance |
| Miami | | appropriate for someone nearing | | coverage written as a single line |
| Lawrenceville | | retirement. | | policy. Contrast with Multiple Line or |
| Sioux City | | | | Package policy. |
| Marietta | | If you decide to cancel your policy | | |
| Slidell | | (after acquiring new coverage) | | Preferred Risk: Any risk considered |
| Ocala | | outside of the 30-day period, you may | | to be better than the standard risk on |
| Melbourne | | have to pay a fee or penalty. | | which the premium rate was |
| Newark | | However, you may still save money | | calculated. |
| Hot Springs | | after paying the fee if your new policy | | |
| Chandler | | affords you significant savings. So | | |
| Kingsport | | while it is best to wait until your | | |
| Miami | | receive your renewal notice, you CAN | | |
| Sioux City | | cancel your policy at any time. | | |
