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| San Jose | | Individuals who have 30-year | | Fictitious Groups: Groups formed |
| Sioux Falls | | mortgages might want to consider a | | primarily for the purpose of buying |
| Beaumont | | 30-year term to ensure that the house | | insurance. Under the law such groups |
| Muncie | | is protected throughout the period of | | may not be underwritten. |
| Jacksonville | | the loan. | | |
| Nashua | | | | Deductible: The portion of an insured |
| Pittsburgh | | People who are trying to quit | | loss to be borne by the insured |
| Lima | | smoking, for example, might be best | | before he is entitled to recovery from |
| Wilmington | | suited purchasing a shorter term (and | | the insurer. |
| Rockford | | then replacing it with a longer term | | |
| Jersey City | | policy when they qualify for | | Multi-Peril Policies: Policies which |
| Palm Harbor | | non-tobacco prices). | | cover a number of perils, such as fire, |
| Jackson | | | | burglary, and liability, in a single |
| Alexandria | | If you have noticed that your auto | | contract. |
| Gaithersburg | | insurance rates are still increasing | | |
| St. Joseph | | with each renewal, or even have not | | Losses Incurred: The total losses, |
| Fresno | | gone down even though you have a | | whether paid or not, sustained by an |
| Greensboro | | great driving record, this lower pricing | | insurer during a given period, e.g., 12 |
| Huntington Beach | | trend makes it more important then | | months. |
| Sioux City | | ever that you shop around for auto | | |
| Lubbock | | insurance. | | Renewal: The reestablishment of the |
| Wichita Falls | | | | in-force status of a policy, the term of |
| Valdosta | | Why not take advantage of current | | which has expired or will expire |
| Palo Alto | | low prices? Many auto insurance | | unless it is renewed. |
| Mountain View | | consumers are becoming educated | | |
| Riverside | | on other companies, plans, and rates | | Interline Endorsement: Commercial |
| Santa Monica | | that are available to them; ones that | | endorsements that apply, or could |
| Malden | | could afford them significant savings | | apply, to more than one coverage |
| Long Beach | | on their auto insurance. | | part of a package policy. |