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| Newburgh | | If you have noticed that your auto | | Index Bureau Experience: A measure |
| Livonia | | insurance rates are still increasing | | of losses relating to claims reported |
| Arlington | | with each renewal, or even have not | | through a claim office during a |
| Topeka | | gone down even though you have a | | 12-month period. |
| Grand Rapids | | great driving record, this lower pricing | | |
| Spring Hill | | trend makes it more important then | | Tariff Rate: A rate established by a |
| Boynton Beach | | ever that you shop around for auto | | rating organization, which comes from |
| Long Beach | | insurance. | | the tables, schedules and rules found |
| Decatur | | | | in the tariff of rates. |
| Midland | | Shopping around is the best way to | | |
| Conroe | | save money on your insurance. | | Broker-Agent: One acting as an agent |
| Plano | | | | of one or more insurers and as a |
| Syracuse | | Individuals who have 30-year | | broker in dealing with one or more |
| Orange Park | | mortgages might want to consider a | | other insurers. |
| Cambridge | | 30-year term to ensure that the house | | |
| Southfield | | is protected throughout the period of | | Mandatory Valuation Reserve: A |
| Fort Myers | | the loan. | | reserve required by a state law to |
| Boston | | | | offset any declines in the valuation of |
| Dayton | | The best time to switch policies is | | securities listed as admitted assets. |
| Valdosta | | within one month of receiving your | | |
| Hot Springs | | policy renewal from your current | | Independent Agent: An agent |
| Ventura | | insurer. You can typically cancel your | | operating as an independent |
| Houma | | policy without any fees or penalties if | | contractor under the independent |
| Livonia | | you act within this time period. | | agency system. |
