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| Santa Monica | | While some companies raise their | | Loss Frequency: The number of times |
| Hot Springs | | prices based on your actual age, | | a loss occurs over a specific period |
| Decatur | | most companies increase the price of | | of time. |
| Anaheim | | their policies six months before your | | |
| White Plains | | birthday. Its a term called Age | | Domestic Insurer (or Company): An |
| Spartanburg | | Nearest in the industry, and that | | insurer formed under the laws of the |
| Morristown | | half-year price increase could really | | state in which the insurance is written. |
| Boynton Beach | | add up over a 20-year term policy. As | | |
| Hattiesburg | | above, the quicker you purchase your | | Policy Anniversary: The anniversary |
| Union | | policy the better. | | of the date of issue of a policy as |
| Buffalo | | | | shown in the policy declarations. |
| Clearwater | | If you have noticed that your auto | | |
| Schaumburg | | insurance rates are still increasing | | Endorsement: A written or printed form |
| High Point | | with each renewal, or even have not | | attached to the policy which alters |
| Fayetteville | | gone down even though you have a | | provisions of the contract. |
| Mountain View | | great driving record, this lower pricing | | |
| Fort Collins | | trend makes it more important then | | Adjustment Bureau: A firm organized |
| Washington | | ever that you shop around for auto | | to provide adjustment services to |
| New Orleans | | insurance. | | insurers not wishing to create their |
| Tyler | | | | own claims division. |
| Ocala | | If you decide to cancel your policy | | |
| Stuart | | (after acquiring new coverage) | | Coding: A method of putting |
| Cranston | | outside of the 30-day period, you may | | information into a numerical form for |
| Sarasota | | have to pay a fee or penalty. | | statistical use. Most information on |
| Hot Springs | | However, you may still save money | | policies is coded and then put into |
| Nashua | | after paying the fee if your new policy | | reports. |
| Clarksville | | affords you significant savings. So | | |
| Durham | | while it is best to wait until your | | Theory of Probability: The |
| Stockton | | receive your renewal notice, you CAN | | mathematical principle upon which |
| Dubuque | | cancel your policy at any time. | | insurance is based. |
