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| Stockton | | Why not take advantage of current | | Buy-Back" Deductible: A deductible |
| Independence | | low prices? Many auto insurance | | which may be eliminated for an |
| Little Rock | | consumers are becoming educated | | additional premium in order to |
| Littleton | | on other companies, plans, and rates | | provide "first-dollar" coverage. |
| Rome | | that are available to them; ones that | | |
| Ogden | | could afford them significant savings | | Indemnity: Restoration to the victim of |
| Jonesboro | | on their auto insurance. | | a loss by payment, repair, or |
| Whittier | | | | replacement. |
| Woodbridge | | If you have noticed that your auto | | |
| Newport News | | insurance rates are still increasing | | Index Bureau Experience: A measure |
| Boston | | with each renewal, or even have not | | of losses relating to claims reported |
| Monroe | | gone down even though you have a | | through a claim office during a |
| Olympia | | great driving record, this lower pricing | | 12-month period. |
| Melbourne | | trend makes it more important then | | |
| Staten Island | | ever that you shop around for auto | | Admitted (or Allowed) Assets: Assets |
| Conroe | | insurance. | | whose values are permitted by state |
| Fort Smith | | | | law to be included in the annual |
| Bradenton | | The quickest and easiest way to | | statement of the insurer. |
| Nashua | | shop for new insurance is by | | |
| Wilmington | | comparing rates at InsWebs online | | Losses Incurred: The total losses, |
| New Orleans | | marketplace. If you do it the | | whether paid or not, sustained by an |
| Roanoke | | old-fashioned way (by calling or | | insurer during a given period, e.g., 12 |
| Slidell | | visiting multiple agents or insurance | | months. |
| Nashua | | companies) it could take up a huge | | |
| Schaumburg | | chunk of your time, which no one | | Borderline Risk: An insurance |
| Green Bay | | wants or needs. By completing | | prospect of doubtful quality from an |
| Cleveland | | InsWebs online application, you will | | underwriting point of view. |
| Knoxville | | have rates to compare to your old | | |
| Palm Harbor | | ones within minutes! | | Sole Proprietorship: A business |
| Yuma | | | | enterprise owned by one person who |
| Baltimore | | Healthy people have the best | | is its manager and employee. |
| Santa Ana | | mortality risks and thus are much | | |
| Slidell | | cheaper for companies to insure. This | | Expense Allowance: A compensation |
| Costa Mesa | | translates into lower rates for the | | paid to an insurance agent in excess |
| Springfield | | Super Preferred customer than | | of prescribed commissions. |
| Schaumburg | | someone with higher risk factors such | | |
| Trenton | | as a heart condition, cancer or | | |
| Birmingham | | diabetes. Conversely, if you were | | |
| Cypress | | unhealthy when you acquired your | | |
| Cape Coral | | policy, and your health has now | | |
| Bayside | | improved, it might be time to shop for | | |
| Lafayette | | a new policy, as your rates are likely | | |
| Rochester | | to be lower. | | |
