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| San Diego | | Shopping around is the best way to | | Tariff Rate: A rate established by a |
| Riverside | | save money on your insurance. | | rating organization, which comes from |
| Spartanburg | | | | the tables, schedules and rules found |
| Colorado Springs | | At InsWeb, you can compare free | | in the tariff of rates. |
| Hendersonville | | online insurance quotes from many of | | |
| Thousand Oaks | | the nations leading insurance | | Basic Rate: The manual rate from |
| Longmont | | companies. | | which discounts are taken or to which |
| Jonesboro | | | | charges are added to reflect the |
| Boise | | If you have noticed that your auto | | individual circumstances of a risk. |
| Bayside | | insurance rates are still increasing | | |
| Sioux Falls | | with each renewal, or even have not | | Provisional Rate: Tentative rates, |
| Alexandria | | gone down even though you have a | | premiums or commissions that are |
| Odessa | | great driving record, this lower pricing | | subject to subsequent adjustment. |
| San Bernardino | | trend makes it more important then | | See Commission and Premium. |
| Turlock | | ever that you shop around for auto | | |
| Honolulu | | insurance. | | Claim Expense: The expense of |
| Joliet | | | | adjusting a claim, such as |
| Seattle | | Why not take advantage of current | | investigation and attorneys' fees. It |
| Denver | | low prices? Many auto insurance | | does not include the cost of the claim |
| Schaumburg | | consumers are becoming educated | | itself. |
| Wichita | | on other companies, plans, and rates | | |
| Tucson | | that are available to them; ones that | | Deductible: The portion of an insured |
| Toms River | | could afford them significant savings | | loss to be borne by the insured |
| Alpharetta | | on their auto insurance. | | before he is entitled to recovery from |
| Jersey City | | | | the insurer. |
| Grand Prairie | | Everyone has different needs, and | | |
| Grand Rapids | | not one size fits all when it comes to | | Equity: The money value of an |
| Honolulu | | term life insurance. While it may make | | insurance company that is over and |
| Williamsport | | sense for people in their 30s and 40s | | above its liabilities. Liabilities include |
| Montgomery | | to secure a 20-year term length, a | | almost all of its reserves. |
| Clarksville | | 10-year term might be more | | |
| Huntsville | | appropriate for someone nearing | | Amendment: A formal document |
| Marietta | | retirement. | | which corrects or revises an |
| Mansfield | | | | insurance master policy. |
