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| Palo Alto | | Individuals who have 30-year | | Theory of Probability: The |
| Palm Harbor | | mortgages might want to consider a | | mathematical principle upon which |
| Lorain | | 30-year term to ensure that the house | | insurance is based. |
| Richmond | | is protected throughout the period of | | |
| Indianapolis | | the loan. | | Insurance Policy: The printed form |
| Toledo | | | | which serves as the contract between |
| Lima | | Healthy people have the best | | an insurer and an insured. |
| Corona | | mortality risks and thus are much | | |
| Kalamazoo | | cheaper for companies to insure. This | | Inspection: Independent checking on |
| Alexandria | | translates into lower rates for the | | facts about an applicant, |
| Conroe | | Super Preferred customer than | | policyholder, or claimant, usually by a |
| Melbourne | | someone with higher risk factors such | | commercial inspection agency. |
| Columbus | | as a heart condition, cancer or | | |
| Nashville | | diabetes. Conversely, if you were | | Admitted (or Allowed) Assets: Assets |
| Albany | | unhealthy when you acquired your | | whose values are permitted by state |
| Norfolk | | policy, and your health has now | | law to be included in the annual |
| Lake Worth | | improved, it might be time to shop for | | statement of the insurer. |
| Downey | | a new policy, as your rates are likely | | |
| Fort Worth | | to be lower. | | Foreign Insurer: An insurer domiciled |
| Chicago | | | | in a state of the United States other |
| Conroe | | At InsWeb, you can compare free | | than the one in which the insured's |
| Wichita Falls | | online insurance quotes from many of | | insurance is written. |
| Athens | | the nations leading insurance | | |
| El Paso | | companies. | | Minimum Premium: The smallest |
| Huntington Beach | | | | amount of premium for which an |
| Sarasota | | If you have noticed that your auto | | insurer will issue coverage under a |
| Malden | | insurance rates are still increasing | | given policy. |
| Brooklyn | | with each renewal, or even have not | | |
| Orange | | gone down even though you have a | | Divided Cover: The placing of |
| Alexandria | | great driving record, this lower pricing | | insurance on a given subject or |
| Salt Lake City | | trend makes it more important then | | object with more than one insurer. |
| Fredericksburg | | ever that you shop around for auto | | |
| Long Beach | | insurance. | | Policywriting Agent: An agent who has |
| Southfield | | | | the authority to prepare and effect an |
| Longmont | | | | insurer's policy. |
