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| Jasper | | Why not take advantage of current | | Endorsement: A written or printed form |
| Alpharetta | | low prices? Many auto insurance | | attached to the policy which alters |
| Fall River | | consumers are becoming educated | | provisions of the contract. |
| Reno | | on other companies, plans, and rates | | |
| Venice | | that are available to them; ones that | | Mandatory Valuation Reserve: A |
| Manchester | | could afford them significant savings | | reserve required by a state law to |
| Acworth | | on their auto insurance. | | offset any declines in the valuation of |
| Saginaw | | | | securities listed as admitted assets. |
| Columbia | | Healthy people have the best | | |
| Lafayette | | mortality risks and thus are much | | Loss Frequency: The number of times |
| Santa Rosa | | cheaper for companies to insure. This | | a loss occurs over a specific period |
| Bayside | | translates into lower rates for the | | of time. |
| Dallas | | Super Preferred customer than | | |
| Green Bay | | someone with higher risk factors such | | Loss Adjustment Expense: The cost |
| Montgomery | | as a heart condition, cancer or | | of adjusting losses, excluding the |
| Houston | | diabetes. Conversely, if you were | | amount of the loss itself. |
| Malden | | unhealthy when you acquired your | | |
| Trenton | | policy, and your health has now | | We/Us/Our: These words are used to |
| Denver | | improved, it might be time to shop for | | refer to the insurer in many of the |
| Santa Barbara | | a new policy, as your rates are likely | | modernized/personalized policy |
| Lima | | to be lower. | | forms recently introduced. |
