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| Kalamazoo | | If you have noticed that your auto | | Admitted (or Allowed) Assets: Assets |
| San Jose | | insurance rates are still increasing | | whose values are permitted by state |
| Huntington | | with each renewal, or even have not | | law to be included in the annual |
| New Orleans | | gone down even though you have a | | statement of the insurer. |
| Marietta | | great driving record, this lower pricing | | |
| Palm Desert | | trend makes it more important then | | Losses Incurred: The total losses, |
| Hot Springs | | ever that you shop around for auto | | whether paid or not, sustained by an |
| Arlington | | insurance. | | insurer during a given period, e.g., 12 |
| Torrance | | | | months. |
| Hartford | | The best time to switch policies is | | |
| Aurora | | within one month of receiving your | | Foreign Insurer: An insurer domiciled |
| San Jose | | policy renewal from your current | | in a state of the United States other |
| Evanston | | insurer. You can typically cancel your | | than the one in which the insured's |
| Syracuse | | policy without any fees or penalties if | | insurance is written. |
| Zanesville | | you act within this time period. | | |
| Portsmouth | | | | Provisions: Statements contained in |
| Decatur | | Individuals who have 30-year | | an insurance policy which explain the |
| Clinton Township | | mortgages might want to consider a | | benefits, conditions and other |
| Torrance | | 30-year term to ensure that the house | | features of the insurance contract. |
| Lake Charles | | is protected throughout the period of | | |
| Tallahassee | | the loan. | | Malicious Mischief: Similar to |
| Springfield | | | | vandalism. Purposely damaging the |
| Canton | | People who are trying to quit | | rights or property of another. |
| Dayton | | smoking, for example, might be best | | |
| Lafayette | | suited purchasing a shorter term (and | | Effective Date: The date on which the |
| Muncie | | then replacing it with a longer term | | protection of an insurance policy or |
| Chula Vista | | policy when they qualify for | | bond goes into effect. |
| Akron | | non-tobacco prices). | | |
| Clarksville | | | | Minimum Premium: The smallest |
| Lexington | | Make sure you have a new policy in | | amount of premium for which an |
| Cincinnati | | place before you cancel your old one | | insurer will issue coverage under a |
| Lima | | to avoid a lapse in coverage. This will | | given policy. |
| Overland Park | | also prevent having to figure out the | | |
| Elkhart | | amount of any unused premium that is | | Provisional Rate: Tentative rates, |
| Anderson | | due to you from your old insurance | | premiums or commissions that are |
| Oxnard | | company, or having to spar with your | | subject to subsequent adjustment. |
| Virginia Beach | | agent about exactly when your policy | | See Commission and Premium. |
| Honolulu | | was cancelled and how much they | | |
| Johnstown | | owe you. | | |
