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| Henderson | | Why not take advantage of current | | Tariff Rate: A rate established by a |
| San Jose | | low prices? Many auto insurance | | rating organization, which comes from |
| Ogden | | consumers are becoming educated | | the tables, schedules and rules found |
| Athens | | on other companies, plans, and rates | | in the tariff of rates. |
| Orange Park | | that are available to them; ones that | | |
| Ogden | | could afford them significant savings | | Fictitious Groups: Groups formed |
| Durham | | on their auto insurance. | | primarily for the purpose of buying |
| Williamsport | | | | insurance. Under the law such groups |
| Belleville | | Shopping around is the best way to | | may not be underwritten. |
| Mobile | | save money on your insurance. | | |
| Mobile | | | | Provisional Rate: Tentative rates, |
| Frederick | | Healthy people have the best | | premiums or commissions that are |
| Hattiesburg | | mortality risks and thus are much | | subject to subsequent adjustment. |
| Poughkeepsie | | cheaper for companies to insure. This | | See Commission and Premium. |
| Wichita | | translates into lower rates for the | | |
| Shreveport | | Super Preferred customer than | | Cut Rate: This term generally applies |
| Fayetteville | | someone with higher risk factors such | | to insurance companies who charge |
| Columbia | | as a heart condition, cancer or | | premiums below a normal or average |
| Columbus | | diabetes. Conversely, if you were | | rate. |
| Staten Island | | unhealthy when you acquired your | | |
| Toledo | | policy, and your health has now | | Mutualization: The process of |
| Roanoke | | improved, it might be time to shop for | | converting a stock insurer to a mutual |
| Huntington Beach | | a new policy, as your rates are likely | | insurer, accomplished by having the |
| Jonesboro | | to be lower. | | insurer buy stock and retire it. |
