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| Anaheim | | Healthy people have the best | | Overlapping Insurance: Coverage |
| Stockbridge | | mortality risks and thus are much | | from two or more policies or insurers |
| Muskegon | | cheaper for companies to insure. This | | which duplicates coverage of certain |
| Dearborn | | translates into lower rates for the | | risks. |
| Fall River | | Super Preferred customer than | | |
| Springfield | | someone with higher risk factors such | | Agent's Qualification Law: Education, |
| Belleville | | as a heart condition, cancer or | | experience, and other requirements |
| York | | diabetes. Conversely, if you were | | imposed by the state upon persons |
| Asheville | | unhealthy when you acquired your | | desiring to be licensed as agents. |
| Olympia | | policy, and your health has now | | |
| Livonia | | improved, it might be time to shop for | | Accidental Bodily Injury: An injury |
| Duluth | | a new policy, as your rates are likely | | sustained accidentally. Only the result |
| Johnson City | | to be lower. | | need be accidental. Contrast with |
| Grand Prairie | | | | Accidental Means. |
| Peoria | | At InsWeb, you can compare free | | |
| Lorain | | online insurance quotes from many of | | Commercial Lines: This term is used |
| Chicago | | the nations leading insurance | | to refer to insurance for businesses, |
| Rockville | | companies. | | professionals, and commercial |
| Spring Hill | | | | establishments. |
| Charleston | | Why not take advantage of current | | |
| Fayetteville | | low prices? Many auto insurance | | Collusion: An agreement, usually |
| Pembroke Pines | | consumers are becoming educated | | secret, between two or more persons |
| Daytona Beach | | on other companies, plans, and rates | | to defraud or deprive another or |
| Sarasota | | that are available to them; ones that | | others of their property or rights. |
| Durham | | could afford them significant savings | | |
| Indianapolis | | on their auto insurance. | | Brokerage Department: A department |
| Corona | | | | of an insurer whose purpose is to |
| Santa Ana | | We offer quotes for auto insurance, | | deal with brokers in the placing of |
| Denver | | life insurance, homeowners | | insurance. |
| Rapid City | | insurance, health insurance, term life | | |
| Rockville | | insurance and more. | | Cut Rate: This term generally applies |
| Lake Charles | | | | to insurance companies who charge |
| Gaithersburg | | The best time to switch policies is | | premiums below a normal or average |
| Springfield | | within one month of receiving your | | rate. |
| Longview | | policy renewal from your current | | |
| Baton Rouge | | insurer. You can typically cancel your | | |
| Santa Ana | | policy without any fees or penalties if | | |
| Mobile | | you act within this time period. | | |
