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| Baltimore | | People who are trying to quit | | Minimum Premium: The smallest |
| Harrisburg | | smoking, for example, might be best | | amount of premium for which an |
| Tempe | | suited purchasing a shorter term (and | | insurer will issue coverage under a |
| Detroit | | then replacing it with a longer term | | given policy. |
| Cincinnati | | policy when they qualify for | | |
| Alameda | | non-tobacco prices). | | Agent's License: A certificate of |
| Decatur | | | | authority from the state which permits |
| Flint | | Shopping around is the best way to | | the agent to conduct business. |
| Longwood | | save money on your insurance. | | |
| Spring Hill | | | | Provisional Rate: Tentative rates, |
| Cherry Hill | | Why not take advantage of current | | premiums or commissions that are |
| Westbury | | low prices? Many auto insurance | | subject to subsequent adjustment. |
| Williamsburg | | consumers are becoming educated | | See Commission and Premium. |
| Columbus | | on other companies, plans, and rates | | |
| Thousand Oaks | | that are available to them; ones that | | Retrospective Premium: The final |
| Tulsa | | could afford them significant savings | | premium in a retrospective rating |
| Alexandria | | on their auto insurance. | | plan. See Retrospective Rating. |
