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| Anchorage | | We offer quotes for auto insurance, | | Agency Contract (or Agreement): The |
| Greensboro | | life insurance, homeowners | | document which establishes the legal |
| Fort Worth | | insurance, health insurance, term life | | relationship between an agent and an |
| Gainesville | | insurance and more. | | insurer. |
| Harlingen | | | | |
| Raleigh | | Shopping around is the best way to | | Approved: The condition which exists |
| Savannah | | save money on your insurance. | | when the person or object to be |
| Little Rock | | | | insured meets the underwriting |
| Anchorage | | Healthy people have the best | | standards of the insurer. |
| Jacksonville | | mortality risks and thus are much | | |
| Inglewood | | cheaper for companies to insure. This | | War Risk Insurance: Insurance |
| Worcester | | translates into lower rates for the | | covering damage caused by war. |
| Boston | | Super Preferred customer than | | Most often written by Ocean Marine |
| Miami | | someone with higher risk factors such | | Insurance companies covering |
| Jackson | | as a heart condition, cancer or | | vessels. |
| Palo Alto | | diabetes. Conversely, if you were | | |
| Johnson City | | unhealthy when you acquired your | | Minimum Premium: The smallest |
| Texarkana | | policy, and your health has now | | amount of premium for which an |
| Fort Collins | | improved, it might be time to shop for | | insurer will issue coverage under a |
| Rapid City | | a new policy, as your rates are likely | | given policy. |
| Bloomington | | to be lower. | | |
| Clinton Township | | | | Tabular Plan: A retrospective rating |
| Riverside | | If you have noticed that your auto | | plan, which uses tables to furnish the |
| Stockton | | insurance rates are still increasing | | various values for the rating formula. |
| Oceanside | | with each renewal, or even have not | | |
| Glendale | | gone down even though you have a | | Lapsed Policy: One which has been |
| Montgomery | | great driving record, this lower pricing | | allowed to expire because of |
| Davenport | | trend makes it more important then | | nonpayment of premiums. |
| Minneapolis | | ever that you shop around for auto | | |
| Venice | | insurance. | | Paid-In Surplus: Surplus paid in by |
| Sioux Falls | | | | stockholders, as contrasted with |
| Troy | | The best time to switch policies is | | surplus earned through the |
| Waco | | within one month of receiving your | | operations of a business. |
| Hot Springs | | policy renewal from your current | | |
| Garland | | insurer. You can typically cancel your | | |
| Lexington | | policy without any fees or penalties if | | |
| Fort Lauderdale | | you act within this time period. | | |
