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| Oakland | | Make sure you have a new policy in | | Mutualization: The process of |
| Alameda | | place before you cancel your old one | | converting a stock insurer to a mutual |
| Muskegon | | to avoid a lapse in coverage. This will | | insurer, accomplished by having the |
| Mountain View | | also prevent having to figure out the | | insurer buy stock and retire it. |
| Poughkeepsie | | amount of any unused premium that is | | |
| Sioux City | | due to you from your old insurance | | Lloyd's Broker: A person who has the |
| Schaumburg | | company, or having to spar with your | | authority to negotiate insurance |
| Hickory | | agent about exactly when your policy | | contracts with the underwriters on the |
| El Paso | | was cancelled and how much they | | floor at Lloyd's. |
| Palm Harbor | | owe you. | | |
| Walnut Creek | | | | Provisional Rate: Tentative rates, |
| Santa Clara | | Healthy people have the best | | premiums or commissions that are |
| Marietta | | mortality risks and thus are much | | subject to subsequent adjustment. |
| Lakeland | | cheaper for companies to insure. This | | See Commission and Premium. |
| Milwaukee | | translates into lower rates for the | | |
| Florissant | | Super Preferred customer than | | Director of Insurance: A title used in |
| Winter Haven | | someone with higher risk factors such | | some states for the head of the |
| Cincinnati | | as a heart condition, cancer or | | department of insurance. |
| Charleston | | diabetes. Conversely, if you were | | |
| San Antonio | | unhealthy when you acquired your | | Calendar Year Experience: This |
| Myrtle Beach | | policy, and your health has now | | measures the premiums and losses |
| El Paso | | improved, it might be time to shop for | | entered on accounting records during |
| Whittier | | a new policy, as your rates are likely | | the 12-month calendar. |
| Valdosta | | to be lower. | | |
| Norwalk | | | | Insurance Policy: The printed form |
| Berkeley | | If you have noticed that your auto | | which serves as the contract between |
| Eugene | | insurance rates are still increasing | | an insurer and an insured. |
| Columbus | | with each renewal, or even have not | | |
| Goldsboro | | gone down even though you have a | | Capital Sum: The maximum lump sum |
| Dallas | | great driving record, this lower pricing | | payable in the event of accidental |
| Belleville | | trend makes it more important then | | death or dismemberment. |
| Pasadena | | ever that you shop around for auto | | |
| Decatur | | insurance. | | Broker-Agent: One acting as an agent |
| Arlington | | | | of one or more insurers and as a |
| Grand Prairie | | | | broker in dealing with one or more |
| Edmond | | | | other insurers. |
