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| Franklin | | Shopping around is the best way to | | Director of Insurance: A title used in |
| Gainesville | | save money on your insurance. | | some states for the head of the |
| Warwick | | | | department of insurance. |
| Arlington | | Healthy people have the best | | |
| Denton | | mortality risks and thus are much | | Lloyd's Broker: A person who has the |
| Fort Worth | | cheaper for companies to insure. This | | authority to negotiate insurance |
| Charleston | | translates into lower rates for the | | contracts with the underwriters on the |
| Carlsbad | | Super Preferred customer than | | floor at Lloyd's. |
| Bethlehem | | someone with higher risk factors such | | |
| Mountain View | | as a heart condition, cancer or | | Brokerage Business: Business |
| Flushing | | diabetes. Conversely, if you were | | offered to an insurer by a broker. This |
| Jackson | | unhealthy when you acquired your | | is sometimes called excess or |
| Montgomery | | policy, and your health has now | | surplus business. |
| Peoria | | improved, it might be time to shop for | | |
| Rochester | | a new policy, as your rates are likely | | Time Limits: The limits of time within |
| Dothan | | to be lower. | | which notice of a claim and proof of a |
| Cincinnati | | | | loss must be submitted. |
| Mesa | | Why not take advantage of current | | |
| Honolulu | | low prices? Many auto insurance | | Agent's License: A certificate of |
| Atlanta | | consumers are becoming educated | | authority from the state which permits |
| Vineland | | on other companies, plans, and rates | | the agent to conduct business. |
| Winter Haven | | that are available to them; ones that | | |
| Bradenton | | could afford them significant savings | | Claim: A demand made by the |
| Minneapolis | | on their auto insurance. | | insured, or the insured's beneficiary, |
| White Plains | | | | for payment of the benefits provided |
| West Chester | | We offer quotes for auto insurance, | | by the contract. |
| Warwick | | life insurance, homeowners | | |
| Huntsville | | insurance, health insurance, term life | | Broker-Agent: One acting as an agent |
| Turlock | | insurance and more. | | of one or more insurers and as a |
| Springfield | | | | broker in dealing with one or more |
| Grand Junction | | Make sure you have a new policy in | | other insurers. |
| Ann Arbor | | place before you cancel your old one | | |
| Chattanooga | | to avoid a lapse in coverage. This will | | Accident: An unplanned event, |
| Tuscaloosa | | also prevent having to figure out the | | unexpected and undesigned, which |
| Costa Mesa | | amount of any unused premium that is | | occurs suddenly and at a definite |
| Pensacola | | due to you from your old insurance | | place. |
| Santa Barbara | | company, or having to spar with your | | |
| Turlock | | agent about exactly when your policy | | |
| Syracuse | | was cancelled and how much they | | |
| St. Paul | | owe you. | | |
