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| Saginaw | | If you have noticed that your auto | | Premium: The price of insurance |
| Fall River | | insurance rates are still increasing | | protection for a specified risk for a |
| Cedar Rapids | | with each renewal, or even have not | | specified period of time. |
| Hartford | | gone down even though you have a | | |
| Topeka | | great driving record, this lower pricing | | Gross Line: The total limit accepted |
| St. Joseph | | trend makes it more important then | | by an insurer on an individual risk, |
| Portland | | ever that you shop around for auto | | including the amount to be reinsured. |
| Grand Rapids | | insurance. | | |
| Akron | | | | Substandard Risk: A risk not |
| Des Moines | | Life insurance, specifically Term Life, | | measuring up to underwriting |
| Downey | | is arguably one of the best values in | | standards. It may still be written but |
| St. Paul | | the entire financial services arena. | | usually at a surcharged premium. |
| Nashua | | Where else can you go and get | | |
| Jackson | | hundreds of thousands of dollars in | | Equity: The money value of an |
| Fort Collins | | protection for literally pennies per | | insurance company that is over and |
| Warren | | day? Rates for Term Life insurance | | above its liabilities. Liabilities include |
| Dothan | | remain at all-time lows, and now is the | | almost all of its reserves. |
| Billings | | time to lock in the best prices. | | |
| Newark | | | | Authorized Insurer: An insurer |
| Worcester | | If you decide to cancel your policy | | authorized by the state to transact |
| Lake Charles | | (after acquiring new coverage) | | business in that state for specific |
| Lawton | | outside of the 30-day period, you may | | types of insurance. |
| Modesto | | have to pay a fee or penalty. | | |
| Portland | | However, you may still save money | | Notice of Cancellation: Written notice |
| Cypress | | after paying the fee if your new policy | | by an insurer of intent to cancel |
| Atlanta | | affords you significant savings. So | | insurance, or written notice by an |
| Gaithersburg | | while it is best to wait until your | | insured requesting cancellation. |
| Seattle | | receive your renewal notice, you CAN | | |
| Palm Harbor | | cancel your policy at any time. | | Cut Rate: This term generally applies |
| West Palm Beach | | | | to insurance companies who charge |
| Yuma | | The quickest and easiest way to | | premiums below a normal or average |
| Grand Junction | | shop for new insurance is by | | rate. |
| Livonia | | comparing rates at InsWebs online | | |
| Spring Hill | | marketplace. If you do it the | | Will Ride: Coverage that remains in |
| Tallahassee | | old-fashioned way (by calling or | | effect regardless of the geographical |
| Newport Beach | | visiting multiple agents or insurance | | location in which a loss occurs. |
| Bay City | | companies) it could take up a huge | | |
| Berkeley | | chunk of your time, which no one | | |
| Chattanooga | | wants or needs. By completing | | |
| Manchester | | InsWebs online application, you will | | |
| Savannah | | have rates to compare to your old | | |
| Billings | | ones within minutes! | | |
