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| Louisville | | If you have noticed that your auto | | Society of Insurance Research: An |
| Escondido | | insurance rates are still increasing | | organization which encourages |
| Jacksonville | | with each renewal, or even have not | | insurance research and promotes the |
| Grand Prairie | | gone down even though you have a | | exchange of ideas and methods of |
| Denver | | great driving record, this lower pricing | | research. |
| Des Moines | | trend makes it more important then | | |
| St. Joseph | | ever that you shop around for auto | | Short Rate Premium: The premium |
| Ventura | | insurance. | | required for issuing a policy for a |
| Topeka | | | | period less than its normal term. |
| Staten Island | | Healthy people have the best | | |
| Saginaw | | mortality risks and thus are much | | Provisions: Statements contained in |
| Tacoma | | cheaper for companies to insure. This | | an insurance policy which explain the |
| Grand Junction | | translates into lower rates for the | | benefits, conditions and other |
| Glendale | | Super Preferred customer than | | features of the insurance contract. |
| Panama City | | someone with higher risk factors such | | |
| Lawton | | as a heart condition, cancer or | | Tariff Rate: A rate established by a |
| Stuart | | diabetes. Conversely, if you were | | rating organization, which comes from |
| Manchester | | unhealthy when you acquired your | | the tables, schedules and rules found |
| Burbank | | policy, and your health has now | | in the tariff of rates. |
| Fort Collins | | improved, it might be time to shop for | | |
| Fayetteville | | a new policy, as your rates are likely | | Agency Company: An insurance |
| Topeka | | to be lower. | | company that produces business |
| Las Cruces | | | | through an agency network. Contrast |
| San Diego | | At InsWeb, you can compare free | | with Direct Writer. |
| Chesapeake | | online insurance quotes from many of | | |
| Peoria | | the nations leading insurance | | Divided Cover: The placing of |
| Lafayette | | companies. | | insurance on a given subject or |
| Escondido | | | | object with more than one insurer. |
| Santa Rosa | | Everyone has different needs, and | | |
| Troy | | not one size fits all when it comes to | | Gross Premium: The net premium |
| Dearborn | | term life insurance. While it may make | | plus operating expenses, |
| El Paso | | sense for people in their 30s and 40s | | commissions and other expenses. |
| Hampton | | to secure a 20-year term length, a | | |
| Beaumont | | 10-year term might be more | | Preferred Risk: Any risk considered |
| Tallahassee | | appropriate for someone nearing | | to be better than the standard risk on |
| Denver | | retirement. | | which the premium rate was |
| Grand Prairie | | | | calculated. |
