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| Salem | | If you have noticed that your auto | | Index Bureau Experience: A measure |
| Boynton Beach | | insurance rates are still increasing | | of losses relating to claims reported |
| Edmond | | with each renewal, or even have not | | through a claim office during a |
| Anchorage | | gone down even though you have a | | 12-month period. |
| Duluth | | great driving record, this lower pricing | | |
| Costa Mesa | | trend makes it more important then | | Authorized Insurer: An insurer |
| Hemet | | ever that you shop around for auto | | authorized by the state to transact |
| Lafayette | | insurance. | | business in that state for specific |
| Lowell | | | | types of insurance. |
| Cambridge | | Make sure you have a new policy in | | |
| Longwood | | place before you cancel your old one | | Equity: The money value of an |
| Louisville | | to avoid a lapse in coverage. This will | | insurance company that is over and |
| Beaumont | | also prevent having to figure out the | | above its liabilities. Liabilities include |
| West Palm Beach | | amount of any unused premium that is | | almost all of its reserves. |
| Cranston | | due to you from your old insurance | | |
| Abilene | | company, or having to spar with your | | Admitted Company: An insurance |
| Biloxi | | agent about exactly when your policy | | company authorized and licensed to |
| Duluth | | was cancelled and how much they | | do business in a given state. |
| Arlington | | owe you. | | |
| Austin | | | | Single Limit: Any insurance coverage |
| Colorado Springs | | Shopping around is the best way to | | which is expressed as a single |
| Schaumburg | | save money on your insurance. | | amount of insurance, or a single limit |
| Denver | | | | of liability. Contrast with Split Limit. |
| Mobile | | Individuals who have 30-year | | |
| New York | | mortgages might want to consider a | | Book Value: Refers to the value of |
| Edison | | 30-year term to ensure that the house | | assets as shown in the official |
| Springfield | | is protected throughout the period of | | accounting records of the company. |
| El Cajon | | the loan. | | |
| Overland Park | | | | Policy Anniversary: The anniversary |
| Monroe | | Life insurance, specifically Term Life, | | of the date of issue of a policy as |
| South Bend | | is arguably one of the best values in | | shown in the policy declarations. |
| Columbus | | the entire financial services arena. | | |
| Orange Park | | Where else can you go and get | | Capital Sum: The maximum lump sum |
| Manchester | | hundreds of thousands of dollars in | | payable in the event of accidental |
| Houma | | protection for literally pennies per | | death or dismemberment. |
| Ogden | | day? Rates for Term Life insurance | | |
| El Cajon | | remain at all-time lows, and now is the | | |
| Harrisburg | | time to lock in the best prices. | | |
