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| Stamford | | Why not take advantage of current | | Partnership: A business enterprise |
| Eugene | | low prices? Many auto insurance | | owned and operated by two or more |
| Downey | | consumers are becoming educated | | persons for the purpose of generating |
| Frederick | | on other companies, plans, and rates | | business income and profits. |
| Syracuse | | that are available to them; ones that | | |
| Dearborn | | could afford them significant savings | | Paid-In Surplus: Surplus paid in by |
| Florence | | on their auto insurance. | | stockholders, as contrasted with |
| Troy | | | | surplus earned through the |
| Metairie | | Healthy people have the best | | operations of a business. |
| Chattanooga | | mortality risks and thus are much | | |
| Manchester | | cheaper for companies to insure. This | | Broker-Agent: One acting as an agent |
| Austin | | translates into lower rates for the | | of one or more insurers and as a |
| Jacksonville | | Super Preferred customer than | | broker in dealing with one or more |
| Anderson | | someone with higher risk factors such | | other insurers. |
| Boynton Beach | | as a heart condition, cancer or | | |
| Canton | | diabetes. Conversely, if you were | | Underinsurance: A condition in which |
| Springfield | | unhealthy when you acquired your | | not enough insurance is carried to |
| Lake Worth | | policy, and your health has now | | cover the insurable value. |
| Olympia | | improved, it might be time to shop for | | |
| Anderson | | a new policy, as your rates are likely | | Liabilities: Money owed or expected |
| Dayton | | to be lower. | | to be owed. Insurance company |
| Charleston | | | | financial statements, for instance, |
| Stockton | | Make sure you have a new policy in | | show assets and liabilities. |
| North Hollywood | | place before you cancel your old one | | |
| Pembroke Pines | | to avoid a lapse in coverage. This will | | Approved: The condition which exists |
| Lawton | | also prevent having to figure out the | | when the person or object to be |
| Hartford | | amount of any unused premium that is | | insured meets the underwriting |
| Indianapolis | | due to you from your old insurance | | standards of the insurer. |
| Malden | | company, or having to spar with your | | |
| Birmingham | | agent about exactly when your policy | | You/Your: These words are used to |
| Fort Myers | | was cancelled and how much they | | refer to the named insured in many of |
| Las Vegas | | owe you. | | the modernized/personalized policy |
| Tucson | | | | forms. |
| Flint | | If you have noticed that your auto | | |
| Dubuque | | insurance rates are still increasing | | |
| Gainesville | | with each renewal, or even have not | | |
| Worcester | | gone down even though you have a | | |
| Santa Monica | | great driving record, this lower pricing | | |
| Turlock | | trend makes it more important then | | |
| Williamsburg | | ever that you shop around for auto | | |
| Fort Worth | | insurance. | | |
