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| Stuart | | Individuals who have 30-year | | Indemnity: Restoration to the victim of |
| Edmond | | mortgages might want to consider a | | a loss by payment, repair, or |
| Belleville | | 30-year term to ensure that the house | | replacement. |
| Tacoma | | is protected throughout the period of | | |
| Wichita Falls | | the loan. | | Retrospective Premium: The final |
| Rochester | | | | premium in a retrospective rating |
| Scranton | | If you have noticed that your auto | | plan. See Retrospective Rating. |
| West Palm Beach | | insurance rates are still increasing | | |
| Gulfport | | with each renewal, or even have not | | Society of Insurance Research: An |
| Huntsville | | gone down even though you have a | | organization which encourages |
| Fort Myers | | great driving record, this lower pricing | | insurance research and promotes the |
| Berkeley | | trend makes it more important then | | exchange of ideas and methods of |
| Slidell | | ever that you shop around for auto | | research. |
| Augusta | | insurance. | | |
| Allentown | | | | Fiduciary: A person holding the funds |
| Lawrenceville | | Shopping around is the best way to | | or property of another in a position of |
| Las Vegas | | save money on your insurance. | | trust. An example would be the |
| Youngstown | | | | executor of an estate. |
| Nashua | | Why not take advantage of current | | |
| Cincinnati | | low prices? Many auto insurance | | Agent's Balance: A periodic |
| Garland | | consumers are becoming educated | | statement of the sums due and owed |
| Canton | | on other companies, plans, and rates | | to an agent under the agent's contract |
| Rochester | | that are available to them; ones that | | with an insurer. |
| Duluth | | could afford them significant savings | | |
| Anderson | | on their auto insurance. | | Short-Term Policy: A policy written for |
| Akron | | | | a period of less time than is normal for |
| Anderson | | Healthy people have the best | | that type of policy. |
| West Chester | | mortality risks and thus are much | | |
| Joliet | | cheaper for companies to insure. This | | Initial Premium: An amount paid at the |
| Portland | | translates into lower rates for the | | inception of an insurance contract, |
| Mansfield | | Super Preferred customer than | | usually subject to adjustment at the |
| Carlsbad | | someone with higher risk factors such | | end of the policy period. |
| Bakersfield | | as a heart condition, cancer or | | |
| Quincy | | diabetes. Conversely, if you were | | Time Limits: The limits of time within |
| Lakeland | | unhealthy when you acquired your | | which notice of a claim and proof of a |
| Escondido | | policy, and your health has now | | loss must be submitted. |
| Beaumont | | improved, it might be time to shop for | | |
| Cypress | | a new policy, as your rates are likely | | |
| Fredericksburg | | to be lower. | | |
