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| Palo Alto | | While some companies raise their | | You/Your: These words are used to |
| Waco | | prices based on your actual age, | | refer to the named insured in many of |
| Arlington | | most companies increase the price of | | the modernized/personalized policy |
| Tuscaloosa | | their policies six months before your | | forms. |
| Bellevue | | birthday. Its a term called Age | | |
| Lexington | | Nearest in the industry, and that | | Professional Insurance Agents |
| Springfield | | half-year price increase could really | | Association: A trade association of |
| Greeley | | add up over a 20-year term policy. As | | mutual insurance agents. |
| Columbus | | above, the quicker you purchase your | | |
| Decatur | | policy the better. | | Broker-Agent: One acting as an agent |
| Birmingham | | | | of one or more insurers and as a |
| Dallas | | If you have noticed that your auto | | broker in dealing with one or more |
| Phoenix | | insurance rates are still increasing | | other insurers. |
| Newburgh | | with each renewal, or even have not | | |
| Berkeley | | gone down even though you have a | | Domestic Insurer (or Company): An |
| Decatur | | great driving record, this lower pricing | | insurer formed under the laws of the |
| Boise | | trend makes it more important then | | state in which the insurance is written. |
| Hickory | | ever that you shop around for auto | | |
| Fall River | | insurance. | | Borderline Risk: An insurance |
| Philadelphia | | | | prospect of doubtful quality from an |
| Nashville | | People who are trying to quit | | underwriting point of view. |
| Alameda | | smoking, for example, might be best | | |
| Bethlehem | | suited purchasing a shorter term (and | | Director of Insurance: A title used in |
| New York | | then replacing it with a longer term | | some states for the head of the |
| Oklahoma City | | policy when they qualify for | | department of insurance. |
| Knoxville | | non-tobacco prices). | | |
| Hickory | | | | Calendar Year Experience: This |
| Hot Springs | | The quickest and easiest way to | | measures the premiums and losses |
| Plano | | shop for new insurance is by | | entered on accounting records during |
| Escondido | | comparing rates at InsWebs online | | the 12-month calendar. |
| Boca Raton | | marketplace. If you do it the | | |
| El Paso | | old-fashioned way (by calling or | | Sherman Antitrust Act: An antitrust law |
| Panama City | | visiting multiple agents or insurance | | from which insurance is exempted to |
| Portland | | companies) it could take up a huge | | the extent that it is regulated by state |
| Cypress | | chunk of your time, which no one | | law. |
| Virginia Beach | | wants or needs. By completing | | |
| Bloomington | | InsWebs online application, you will | | |
| Inglewood | | have rates to compare to your old | | |
| Billings | | ones within minutes! | | |
