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| Owensboro | | We offer quotes for auto insurance, | | Insurance Policy: The printed form |
| Lawton | | life insurance, homeowners | | which serves as the contract between |
| Downey | | insurance, health insurance, term life | | an insurer and an insured. |
| Olympia | | insurance and more. | | |
| Los Angeles | | | | Losses Incurred: The total losses, |
| Seattle | | If you have noticed that your auto | | whether paid or not, sustained by an |
| Olympia | | insurance rates are still increasing | | insurer during a given period, e.g., 12 |
| Akron | | with each renewal, or even have not | | months. |
| Spartanburg | | gone down even though you have a | | |
| Ventura | | great driving record, this lower pricing | | Borderline Risk: An insurance |
| Mountain View | | trend makes it more important then | | prospect of doubtful quality from an |
| Lorain | | ever that you shop around for auto | | underwriting point of view. |
| Joliet | | insurance. | | |
| Youngstown | | | | Equity: The money value of an |
| Carlsbad | | Shopping around is the best way to | | insurance company that is over and |
| Indianapolis | | save money on your insurance. | | above its liabilities. Liabilities include |
| Kansas City | | | | almost all of its reserves. |
| Hartford | | While some companies raise their | | |
| Sacramento | | prices based on your actual age, | | Absolute Assignment: Assignment by |
| Lake Charles | | most companies increase the price of | | a policy owner of all control of and |
| Reading | | their policies six months before your | | rights in the policy to a third party. |
| Waco | | birthday. Its a term called Age | | |
| Des Moines | | Nearest in the industry, and that | | Business: In Property, Liability, and |
| Muskegon | | half-year price increase could really | | Health lines, it usually refers to the |
| Quincy | | add up over a 20-year term policy. As | | volume of premiums. |
| Peoria | | above, the quicker you purchase your | | |
| Arlington | | policy the better. | | New For Old: Replacing old |
| Chicago | | | | damaged parts or equipment with |
| Augusta | | Healthy people have the best | | new ones rather than repairing them. |
| Louisville | | mortality risks and thus are much | | |
| Sioux City | | cheaper for companies to insure. This | | Federal Deposit Insurance |
| Lorain | | translates into lower rates for the | | Corporation (FDIC): An agency of the |
| Chula Vista | | Super Preferred customer than | | federal government which insures |
| Cranston | | someone with higher risk factors such | | bank deposits up to a stated |
| Orlando | | as a heart condition, cancer or | | maximum. |
| Texarkana | | diabetes. Conversely, if you were | | |
| Jacksonville | | unhealthy when you acquired your | | |
| Garland | | policy, and your health has now | | |
| Tallahassee | | improved, it might be time to shop for | | |
| Poughkeepsie | | a new policy, as your rates are likely | | |
| West Chester | | to be lower. | | |
