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| Monroe | | Why not take advantage of current | | Flat Cancellation: A policy which is |
| Spartanburg | | low prices? Many auto insurance | | cancelled upon its effective date. |
| Jacksonville | | consumers are becoming educated | | Usually under a flat cancellation no |
| Overland Park | | on other companies, plans, and rates | | premium charge is made. |
| Decatur | | that are available to them; ones that | | |
| Clinton Township | | could afford them significant savings | | Admitted (or Allowed) Assets: Assets |
| Lima | | on their auto insurance. | | whose values are permitted by state |
| Lancaster | | | | law to be included in the annual |
| Jasper | | Healthy people have the best | | statement of the insurer. |
| Springfield | | mortality risks and thus are much | | |
| Cranston | | cheaper for companies to insure. This | | Divided Cover: The placing of |
| Minneapolis | | translates into lower rates for the | | insurance on a given subject or |
| Washington | | Super Preferred customer than | | object with more than one insurer. |
| Greeley | | someone with higher risk factors such | | |
| Richmond | | as a heart condition, cancer or | | Other Insurance: The existence of |
| Harrisburg | | diabetes. Conversely, if you were | | other contracts covering the same |
| Jacksonville | | unhealthy when you acquired your | | interest and perils. |
| New Orleans | | policy, and your health has now | | |
| Dallas | | improved, it might be time to shop for | | Agent's License: A certificate of |
| Williamsport | | a new policy, as your rates are likely | | authority from the state which permits |
| Fort Worth | | to be lower. | | the agent to conduct business. |
