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| Hickory | | Shopping around is the best way to | | Cut Rate: This term generally applies |
| Longview | | save money on your insurance. | | to insurance companies who charge |
| Cambridge | | | | premiums below a normal or average |
| Jersey City | | Make sure you have a new policy in | | rate. |
| Springfield | | place before you cancel your old one | | |
| Lafayette | | to avoid a lapse in coverage. This will | | Mutualization: The process of |
| Delray Beach | | also prevent having to figure out the | | converting a stock insurer to a mutual |
| Toledo | | amount of any unused premium that is | | insurer, accomplished by having the |
| Englewood | | due to you from your old insurance | | insurer buy stock and retire it. |
| Mansfield | | company, or having to spar with your | | |
| Birmingham | | agent about exactly when your policy | | Loss Frequency: The number of times |
| Akron | | was cancelled and how much they | | a loss occurs over a specific period |
| Pompano Beach | | owe you. | | of time. |