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| Jacksonville | | If you decide to cancel your policy | | Book Value: Refers to the value of |
| El Cajon | | (after acquiring new coverage) | | assets as shown in the official |
| Louisville | | outside of the 30-day period, you may | | accounting records of the company. |
| Dubuque | | have to pay a fee or penalty. | | |
| Spartanburg | | However, you may still save money | | Coding: A method of putting |
| San Francisco | | after paying the fee if your new policy | | information into a numerical form for |
| Clinton Township | | affords you significant savings. So | | statistical use. Most information on |
| Canton | | while it is best to wait until your | | policies is coded and then put into |
| Turlock | | receive your renewal notice, you CAN | | reports. |
| Fort Smith | | cancel your policy at any time. | | |
| Evanston | | | | Collusion: An agreement, usually |
| Mansfield | | At InsWeb, you can compare free | | secret, between two or more persons |
| Kansas City | | online insurance quotes from many of | | to defraud or deprive another or |
| Newburgh | | the nations leading insurance | | others of their property or rights. |
| West Chester | | companies. | | |
| Mesquite | | | | Gross Premium: The net premium |
| Muskegon | | People who are trying to quit | | plus operating expenses, |
| Fresno | | smoking, for example, might be best | | commissions and other expenses. |
| Rome | | suited purchasing a shorter term (and | | |
| Fort Lauderdale | | then replacing it with a longer term | | Brick Veneer Construction: Refers to |
| Alpharetta | | policy when they qualify for | | a building where the outside walls are |
| El Paso | | non-tobacco prices). | | constructed of wood with a facing of a |
| Quincy | | | | single layer of brick. |
| Mobile | | If you have noticed that your auto | | |
| Lakewood | | insurance rates are still increasing | | Tariff Rate: A rate established by a |
| Torrance | | with each renewal, or even have not | | rating organization, which comes from |
| Bakersfield | | gone down even though you have a | | the tables, schedules and rules found |
| Arlington | | great driving record, this lower pricing | | in the tariff of rates. |
| Lansing | | trend makes it more important then | | |
| Quincy | | ever that you shop around for auto | | Loss Frequency: The number of times |
| Lakewood | | insurance. | | a loss occurs over a specific period |
| Lansing | | | | of time. |
| Flushing | | Healthy people have the best | | |
| Chesapeake | | mortality risks and thus are much | | Loss Adjustment Expense: The cost |
| Duluth | | cheaper for companies to insure. This | | of adjusting losses, excluding the |
| Costa Mesa | | translates into lower rates for the | | amount of the loss itself. |
| Whittier | | Super Preferred customer than | | |
| Santa Clara | | someone with higher risk factors such | | |
| Poughkeepsie | | as a heart condition, cancer or | | |
| Nashua | | diabetes. Conversely, if you were | | |
| Sacramento | | unhealthy when you acquired your | | |
| Redlands | | policy, and your health has now | | |
| Charlotte | | improved, it might be time to shop for | | |
| Chula Vista | | a new policy, as your rates are likely | | |
| Greeley | | to be lower. | | |
