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| Slidell | | Healthy people have the best | | Deficit Carried Forward: The transfer |
| Myrtle Beach | | mortality risks and thus are much | | of a debit balance from one |
| Topeka | | cheaper for companies to insure. This | | accounting period to another. |
| Grand Junction | | translates into lower rates for the | | |
| Riverside | | Super Preferred customer than | | Earned Income: The money |
| Portland | | someone with higher risk factors such | | individuals earn as a result of working |
| Kansas City | | as a heart condition, cancer or | | at some job or occupation for which |
| Inglewood | | diabetes. Conversely, if you were | | they are paid a salary. |
| Henderson | | unhealthy when you acquired your | | |
| Albany | | policy, and your health has now | | Indemnity: Restoration to the victim of |
| Conroe | | improved, it might be time to shop for | | a loss by payment, repair, or |
| Redlands | | a new policy, as your rates are likely | | replacement. |
| Escondido | | to be lower. | | |
| Oxnard | | | | Gross Premium: The net premium |
| Richmond | | If you have noticed that your auto | | plus operating expenses, |
| Peoria | | insurance rates are still increasing | | commissions and other expenses. |
| Lakeland | | with each renewal, or even have not | | |
| El Cajon | | gone down even though you have a | | Other Insurance: The existence of |
| Savannah | | great driving record, this lower pricing | | other contracts covering the same |
| West Chester | | trend makes it more important then | | interest and perils. |
| Springfield | | ever that you shop around for auto | | |
| Dearborn | | insurance. | | Commercial Lines: This term is used |
| Stockbridge | | | | to refer to insurance for businesses, |
| Manchester | | If you decide to cancel your policy | | professionals, and commercial |
| Minneapolis | | (after acquiring new coverage) | | establishments. |
| Schaumburg | | outside of the 30-day period, you may | | |
| Asheville | | have to pay a fee or penalty. | | Nonassignable: A policy that the |
| Houston | | However, you may still save money | | owner cannot assign to a third party. |
| Boynton Beach | | after paying the fee if your new policy | | Most policies are nonassignable |
| Berkeley | | affords you significant savings. So | | unless approval is given by the |
| Glendale | | while it is best to wait until your | | insurer. |
| Tyler | | receive your renewal notice, you CAN | | |
| Fayetteville | | cancel your policy at any time. | | Liquidity: The ability of an insurer to |
| Sioux Falls | | | | convert its assets into cash to pay |
| Sacramento | | | | claims if necessary. |
