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| Santa Rosa | | Make sure you have a new policy in | | Basic Rate: The manual rate from |
| Stockton | | place before you cancel your old one | | which discounts are taken or to which |
| Union | | to avoid a lapse in coverage. This will | | charges are added to reflect the |
| Johnson City | | also prevent having to figure out the | | individual circumstances of a risk. |
| Redlands | | amount of any unused premium that is | | |
| Fort Collins | | due to you from your old insurance | | Lloyd's Broker: A person who has the |
| Cleveland | | company, or having to spar with your | | authority to negotiate insurance |
| South Bend | | agent about exactly when your policy | | contracts with the underwriters on the |
| Clarksville | | was cancelled and how much they | | floor at Lloyd's. |
| Allentown | | owe you. | | |
| Reading | | | | First Party Insurance: Insurance which |
| Nashville | | We offer quotes for auto insurance, | | applies to coverage for the insured's |
| Fort Collins | | life insurance, homeowners | | own property or person. Contrast with |
| Rapid City | | insurance, health insurance, term life | | Third Party Insurance. |
| Little Rock | | insurance and more. | | |
| Williamsport | | | | Agency: An insurance sales office |
| St. Louis | | Healthy people have the best | | which is directed by a agent, |
| Lakewood | | mortality risks and thus are much | | manager, independent agent, or |
| Corpus Christi | | cheaper for companies to insure. This | | company manager. |
| Long Beach | | translates into lower rates for the | | |
| Des Moines | | Super Preferred customer than | | Level Commission System: A system |
| Las Cruces | | someone with higher risk factors such | | of commissions in which the first year |
| San Francisco | | as a heart condition, cancer or | | and all renewal commissions are the |
| Wilmington | | diabetes. Conversely, if you were | | same percentage of the premium. |
| Aurora | | unhealthy when you acquired your | | |
| Gaithersburg | | policy, and your health has now | | Shock Loss: A catastrophic loss so |
| Alameda | | improved, it might be time to shop for | | large that it has a material effect on |
| Rochester | | a new policy, as your rates are likely | | the underwriting results of a company. |
| Youngstown | | to be lower. | | |
| Morristown | | | | Premium Receipt: The receipt given |
| Belleville | | Why not take advantage of current | | a policy owner for the payment of a |
| Lima | | low prices? Many auto insurance | | premium. |
| Bradenton | | consumers are becoming educated | | |
| Marietta | | on other companies, plans, and rates | | Effective Date: The date on which the |
| Conroe | | that are available to them; ones that | | protection of an insurance policy or |
| Staten Island | | could afford them significant savings | | bond goes into effect. |
| Portland | | on their auto insurance. | | |
