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| Syracuse | | Shopping around is the best way to | | Exclusions: Specific situations, |
| Lakeland | | save money on your insurance. | | conditions, or circumstances that are |
| Buffalo | | | | listed in the contract as being not |
| Orlando | | If you have noticed that your auto | | covered. |
| Warren | | insurance rates are still increasing | | |
| Union | | with each renewal, or even have not | | Underwriters Laboratories, Inc. (UL): A |
| Fort Myers | | gone down even though you have a | | testing laboratory for manufactured |
| Nashville | | great driving record, this lower pricing | | items to determine their safety |
| Tampa | | trend makes it more important then | | propensities. |
| Miami | | ever that you shop around for auto | | |
| Schenectady | | insurance. | | Deductible: The portion of an insured |
| Colorado Springs | | | | loss to be borne by the insured |
| Dubuque | | People who are trying to quit | | before he is entitled to recovery from |
| Vero Beach | | smoking, for example, might be best | | the insurer. |
| Sumter | | suited purchasing a shorter term (and | | |
| Lorain | | then replacing it with a longer term | | Standard Industry Code (SIC): This is |
| Evansville | | policy when they qualify for | | a coding system which assigns |
| Acworth | | non-tobacco prices). | | separate codes for different types of |
| Bloomington | | | | industries. |
| Slidell | | Why not take advantage of current | | |
| Newport Beach | | low prices? Many auto insurance | | Borderline Risk: An insurance |
| Little Rock | | consumers are becoming educated | | prospect of doubtful quality from an |
| Cape Coral | | on other companies, plans, and rates | | underwriting point of view. |
| Newport News | | that are available to them; ones that | | |
| Monroe | | could afford them significant savings | | Monoline Policy: Any insurance |
| Pembroke Pines | | on their auto insurance. | | coverage written as a single line |
| Buffalo | | | | policy. Contrast with Multiple Line or |
| Greeley | | Life insurance, specifically Term Life, | | Package policy. |
| Chula Vista | | is arguably one of the best values in | | |
| Scranton | | the entire financial services arena. | | Deflation: An economic period |
| Rochester | | Where else can you go and get | | characterized by falling prices, high |
| Troy | | hundreds of thousands of dollars in | | unemployment and a generally |
| Alameda | | protection for literally pennies per | | sluggish or slow economy. |
| Troy | | day? Rates for Term Life insurance | | |
| Venice | | remain at all-time lows, and now is the | | |
| Santa Rosa | | time to lock in the best prices. | | |
