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| Spartanburg | | While some companies raise their | | Director of Insurance: A title used in |
| Plano | | prices based on your actual age, | | some states for the head of the |
| Garland | | most companies increase the price of | | department of insurance. |
| Santa Rosa | | their policies six months before your | | |
| Lancaster | | birthday. Its a term called Age | | Flat Cancellation: A policy which is |
| Norwalk | | Nearest in the industry, and that | | cancelled upon its effective date. |
| Lake Worth | | half-year price increase could really | | Usually under a flat cancellation no |
| Tulsa | | add up over a 20-year term policy. As | | premium charge is made. |
| Duluth | | above, the quicker you purchase your | | |
| Melbourne | | policy the better. | | Level Commission System: A system |
| Boynton Beach | | | | of commissions in which the first year |
| Bloomington | | If you have noticed that your auto | | and all renewal commissions are the |
| Irvine | | insurance rates are still increasing | | same percentage of the premium. |
| Fort Worth | | with each renewal, or even have not | | |
| Naples | | gone down even though you have a | | Minimum Premium: The smallest |
| Boise | | great driving record, this lower pricing | | amount of premium for which an |
| Gainesville | | trend makes it more important then | | insurer will issue coverage under a |
| Fayetteville | | ever that you shop around for auto | | given policy. |
| Topeka | | insurance. | | |
| Des Moines | | | | Not Taken: Policies applied for and |
| Wilmington | | People who are trying to quit | | issued but rejected by the proposed |
| South Bend | | smoking, for example, might be best | | owner and not paid for. |
| Longwood | | suited purchasing a shorter term (and | | |
| Turlock | | then replacing it with a longer term | | Underwriters Laboratories, Inc. (UL): A |
| Florence | | policy when they qualify for | | testing laboratory for manufactured |
| Mesa | | non-tobacco prices). | | items to determine their safety |
| Pasadena | | | | propensities. |
| Columbia | | At InsWeb, you can compare free | | |
| Newport Beach | | online insurance quotes from many of | | Building Code: This refers to |
| Anderson | | the nations leading insurance | | municipal or other governmental |
| Plano | | companies. | | ordinances regulating the type of |
| Jonesboro | | | | construction of buildings within its |
| Albany | | Individuals who have 30-year | | jurisdiction. |
| Schaumburg | | mortgages might want to consider a | | |
| Berkeley | | 30-year term to ensure that the house | | |
| Grand Rapids | | is protected throughout the period of | | |
| Littleton | | the loan. | | |
