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| Cincinnati | | Why not take advantage of current | | Broker-Agent: One acting as an agent |
| El Paso | | low prices? Many auto insurance | | of one or more insurers and as a |
| Greeley | | consumers are becoming educated | | broker in dealing with one or more |
| Greenville | | on other companies, plans, and rates | | other insurers. |
| Santa Barbara | | that are available to them; ones that | | |
| Fairfax | | could afford them significant savings | | Admitted (or Allowed) Assets: Assets |
| Yonkers | | on their auto insurance. | | whose values are permitted by state |
| Fall River | | | | law to be included in the annual |
| Spartanburg | | Everyone has different needs, and | | statement of the insurer. |
| Newark | | not one size fits all when it comes to | | |
| Jacksonville | | term life insurance. While it may make | | Agent's Balance: A periodic |
| South Bend | | sense for people in their 30s and 40s | | statement of the sums due and owed |
| Birmingham | | to secure a 20-year term length, a | | to an agent under the agent's contract |
| Arlington | | 10-year term might be more | | with an insurer. |
| Dallas | | appropriate for someone nearing | | |
| Fayetteville | | retirement. | | Sherman Antitrust Act: An antitrust law |
| Turlock | | | | from which insurance is exempted to |
| Billings | | Individuals who have 30-year | | the extent that it is regulated by state |
| Cleveland | | mortgages might want to consider a | | law. |
| Detroit | | 30-year term to ensure that the house | | |
| Philadelphia | | is protected throughout the period of | | Paid-In Surplus: Surplus paid in by |
| Oklahoma City | | the loan. | | stockholders, as contrasted with |
| Lincoln | | | | surplus earned through the |
| Belleville | | If you have noticed that your auto | | operations of a business. |
| Hickory | | insurance rates are still increasing | | |
| Florissant | | with each renewal, or even have not | | Net Loss: The amount of loss |
| Garland | | gone down even though you have a | | sustained by an insurer after giving |
| Anchorage | | great driving record, this lower pricing | | effect to all applicable reinsurance, |
| Melbourne | | trend makes it more important then | | salvage, and subrogation recoveries. |
| Portland | | ever that you shop around for auto | | |
| Las Cruces | | insurance. | | Renewal: The reestablishment of the |
| Corpus Christi | | | | in-force status of a policy, the term of |
| Knoxville | | While some companies raise their | | which has expired or will expire |
| Torrance | | prices based on your actual age, | | unless it is renewed. |
| Muskegon | | most companies increase the price of | | |
| Akron | | their policies six months before your | | |
| Pompano Beach | | birthday. Its a term called Age | | |
| Palm Harbor | | Nearest in the industry, and that | | |
| Burbank | | half-year price increase could really | | |
| Virginia Beach | | add up over a 20-year term policy. As | | |
| San Jose | | above, the quicker you purchase your | | |
| Melbourne | | policy the better. | | |
