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| Torrance | | The best time to switch policies is | | Gross Line: The total limit accepted |
| Trenton | | within one month of receiving your | | by an insurer on an individual risk, |
| Little Rock | | policy renewal from your current | | including the amount to be reinsured. |
| Joliet | | insurer. You can typically cancel your | | |
| Union | | policy without any fees or penalties if | | Sherman Antitrust Act: An antitrust law |
| Cape Coral | | you act within this time period. | | from which insurance is exempted to |
| Boston | | | | the extent that it is regulated by state |
| Spokane | | Healthy people have the best | | law. |
| Alameda | | mortality risks and thus are much | | |
| St. Louis | | cheaper for companies to insure. This | | Will Ride: Coverage that remains in |
| Torrance | | translates into lower rates for the | | effect regardless of the geographical |
| Columbus | | Super Preferred customer than | | location in which a loss occurs. |
| Lakeland | | someone with higher risk factors such | | |
| Spokane | | as a heart condition, cancer or | | Accident Year Experience: Measures |
| Burbank | | diabetes. Conversely, if you were | | premiums and losses relating to |
| Schenectady | | unhealthy when you acquired your | | accidents which occurred during a |
| Redlands | | policy, and your health has now | | 12-month period. |
| Silver Spring | | improved, it might be time to shop for | | |
| Oxnard | | a new policy, as your rates are likely | | Commingling: An illegal practice |
| Dallas | | to be lower. | | which occurs when an agent mixes |
| Downey | | | | personal funds with the insured's or |
| Buffalo | | If you have noticed that your auto | | insurer's funds. |
| Gainesville | | insurance rates are still increasing | | |
| Milwaukee | | with each renewal, or even have not | | Not Taken: Policies applied for and |
| Clinton Township | | gone down even though you have a | | issued but rejected by the proposed |
| Quincy | | great driving record, this lower pricing | | owner and not paid for. |
| Malden | | trend makes it more important then | | |
| Fort Smith | | ever that you shop around for auto | | Insolvent Insurer: An insurer which is |
| Athens | | insurance. | | unable to meet its financial |
| Kansas City | | | | obligations. |
| Fort Smith | | Why not take advantage of current | | |
| Greeley | | low prices? Many auto insurance | | Equity: The money value of an |
| San Francisco | | consumers are becoming educated | | insurance company that is over and |
| Fort Smith | | on other companies, plans, and rates | | above its liabilities. Liabilities include |
| Eugene | | that are available to them; ones that | | almost all of its reserves. |
| New York | | could afford them significant savings | | |
| Green Bay | | on their auto insurance. | | |
