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| Detroit | | If you have noticed that your auto | | American Risk and Insurance |
| Oakland | | insurance rates are still increasing | | Association: An association of |
| Billings | | with each renewal, or even have not | | insurance educators and others |
| Macon | | gone down even though you have a | | interested in insurance study and |
| Duluth | | great driving record, this lower pricing | | research. |
| Providence | | trend makes it more important then | | |
| Lansing | | ever that you shop around for auto | | Agency Company: An insurance |
| Little Rock | | insurance. | | company that produces business |
| Athens | | | | through an agency network. Contrast |
| Fredericksburg | | Shopping around is the best way to | | with Direct Writer. |
| Jacksonville | | save money on your insurance. | | |
| Yuma | | | | Not Taken: Policies applied for and |
| Santa Barbara | | People who are trying to quit | | issued but rejected by the proposed |
| Cincinnati | | smoking, for example, might be best | | owner and not paid for. |
| North Hollywood | | suited purchasing a shorter term (and | | |
| Albany | | then replacing it with a longer term | | Accident Year Experience: Measures |
| Knoxville | | policy when they qualify for | | premiums and losses relating to |
| Ventura | | non-tobacco prices). | | accidents which occurred during a |
| Charleston | | | | 12-month period. |
| Grand Prairie | | The best time to switch policies is | | |
| Monroe | | within one month of receiving your | | Exclusions: Specific situations, |
| Sunnyvale | | policy renewal from your current | | conditions, or circumstances that are |
| Oxnard | | insurer. You can typically cancel your | | listed in the contract as being not |
| Honolulu | | policy without any fees or penalties if | | covered. |
| Portland | | you act within this time period. | | |
| Winter Park | | | | Effective Date: The date on which the |
| Cleveland | | Healthy people have the best | | protection of an insurance policy or |
| Bronx | | mortality risks and thus are much | | bond goes into effect. |
| Rockford | | cheaper for companies to insure. This | | |
| Durham | | translates into lower rates for the | | Monoline Policy: Any insurance |
| Memphis | | Super Preferred customer than | | coverage written as a single line |
| Newark | | someone with higher risk factors such | | policy. Contrast with Multiple Line or |
| Johnstown | | as a heart condition, cancer or | | Package policy. |
| Fort Myers | | diabetes. Conversely, if you were | | |
| Alexandria | | unhealthy when you acquired your | | |
| Huntington Beach | | policy, and your health has now | | |
| Belleville | | improved, it might be time to shop for | | |
| Tucson | | a new policy, as your rates are likely | | |
| Rockford | | to be lower. | | |
