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| Odessa | | People who are trying to quit | | Director of Insurance: A title used in |
| Santa Monica | | smoking, for example, might be best | | some states for the head of the |
| Augusta | | suited purchasing a shorter term (and | | department of insurance. |
| Turlock | | then replacing it with a longer term | | |
| San Bernardino | | policy when they qualify for | | Loss Frequency: The number of times |
| Worcester | | non-tobacco prices). | | a loss occurs over a specific period |
| Oceanside | | | | of time. |
| Decatur | | Why not take advantage of current | | |
| Bakersfield | | low prices? Many auto insurance | | Admitted (or Allowed) Assets: Assets |
| Naperville | | consumers are becoming educated | | whose values are permitted by state |
| Racine | | on other companies, plans, and rates | | law to be included in the annual |
| New Orleans | | that are available to them; ones that | | statement of the insurer. |
| Council Bluffs | | could afford them significant savings | | |
| Tulsa | | on their auto insurance. | | Accidental Bodily Injury: An injury |
| Franklin | | | | sustained accidentally. Only the result |
| Southfield | | The quickest and easiest way to | | need be accidental. Contrast with |
| Hampton | | shop for new insurance is by | | Accidental Means. |
| Fort Collins | | comparing rates at InsWebs online | | |
| Longwood | | marketplace. If you do it the | | Other Insurance: The existence of |
| Virginia Beach | | old-fashioned way (by calling or | | other contracts covering the same |
| Melbourne | | visiting multiple agents or insurance | | interest and perils. |
| Westbury | | companies) it could take up a huge | | |
| Clarksville | | chunk of your time, which no one | | Premium Notice: A form notice from |
| Decatur | | wants or needs. By completing | | an insurer or agency to a policy |
| Hickory | | InsWebs online application, you will | | owner that a premium will be due on a |
| Cape Coral | | have rates to compare to your old | | given date. |
| Williamsburg | | ones within minutes! | | |
| Manchester | | | | Submitted Business: Applications for |
| El Paso | | While some companies raise their | | insurance submitted to an insurer but |
| Sterling Heights | | prices based on your actual age, | | not yet acted upon by it. |
| Midland | | most companies increase the price of | | |
| Boulder | | their policies six months before your | | Independent Agent: An agent |
| Vero Beach | | birthday. Its a term called Age | | operating as an independent |
| Knoxville | | Nearest in the industry, and that | | contractor under the independent |
| Eugene | | half-year price increase could really | | agency system. |
| Sarasota | | add up over a 20-year term policy. As | | |
| Winter Park | | above, the quicker you purchase your | | |
| Sunnyvale | | policy the better. | | |
