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| Longwood | | Make sure you have a new policy in | | Short Rate Premium: The premium |
| Dayton | | place before you cancel your old one | | required for issuing a policy for a |
| Winter Haven | | to avoid a lapse in coverage. This will | | period less than its normal term. |
| Dayton | | also prevent having to figure out the | | |
| Athens | | amount of any unused premium that is | | Provisions: Statements contained in |
| Omaha | | due to you from your old insurance | | an insurance policy which explain the |
| Harrisburg | | company, or having to spar with your | | benefits, conditions and other |
| Spring Hill | | agent about exactly when your policy | | features of the insurance contract. |
| Portland | | was cancelled and how much they | | |
| Indianapolis | | owe you. | | Policy Period (or Term): The period |
| Whittier | | | | during which the policy contract |
| Dayton | | Why not take advantage of current | | affords protection, e.g., six months or |
| York | | low prices? Many auto insurance | | one or three years. |
| Palm Harbor | | consumers are becoming educated | | |
| Monroe | | on other companies, plans, and rates | | Tabular Plan: A retrospective rating |
| Downey | | that are available to them; ones that | | plan, which uses tables to furnish the |
| Thousand Oaks | | could afford them significant savings | | various values for the rating formula. |
| Bellevue | | on their auto insurance. | | |
| Oakland | | | | Underwriters Laboratories, Inc. (UL): A |
| Columbus | | The quickest and easiest way to | | testing laboratory for manufactured |
| Houston | | shop for new insurance is by | | items to determine their safety |
| Chattanooga | | comparing rates at InsWebs online | | propensities. |
| Overland Park | | marketplace. If you do it the | | |
| Anaheim | | old-fashioned way (by calling or | | Partnership: A business enterprise |
| Honolulu | | visiting multiple agents or insurance | | owned and operated by two or more |
| Norfolk | | companies) it could take up a huge | | persons for the purpose of generating |
| Cincinnati | | chunk of your time, which no one | | business income and profits. |
| Athens | | wants or needs. By completing | | |
| Boynton Beach | | InsWebs online application, you will | | Agency Contract (or Agreement): The |
| Jersey City | | have rates to compare to your old | | document which establishes the legal |
| Santa Ana | | ones within minutes! | | relationship between an agent and an |
| Pompano Beach | | | | insurer. |
| Lansing | | Healthy people have the best | | |
| Richmond | | mortality risks and thus are much | | Paid-In Surplus: Surplus paid in by |
| Littleton | | cheaper for companies to insure. This | | stockholders, as contrasted with |
| Valdosta | | translates into lower rates for the | | surplus earned through the |
| Hattiesburg | | Super Preferred customer than | | operations of a business. |
| Memphis | | someone with higher risk factors such | | |
| Nashville | | as a heart condition, cancer or | | |
| Oxnard | | diabetes. Conversely, if you were | | |
| Mountain View | | unhealthy when you acquired your | | |
| Seattle | | policy, and your health has now | | |
| Topeka | | improved, it might be time to shop for | | |
| Stockbridge | | a new policy, as your rates are likely | | |
| Billings | | to be lower. | | |
