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| Long Beach | | Why not take advantage of current | | Tabular Plan: A retrospective rating |
| Rockville | | low prices? Many auto insurance | | plan, which uses tables to furnish the |
| Modesto | | consumers are becoming educated | | various values for the rating formula. |
| Knoxville | | on other companies, plans, and rates | | |
| Hickory | | that are available to them; ones that | | Initial Premium: An amount paid at the |
| Corpus Christi | | could afford them significant savings | | inception of an insurance contract, |
| Stockbridge | | on their auto insurance. | | usually subject to adjustment at the |
| Gulfport | | | | end of the policy period. |
| Brooklyn | | We offer quotes for auto insurance, | | |
| Hickory | | life insurance, homeowners | | Mandatory Valuation Reserve: A |
| Lubbock | | insurance, health insurance, term life | | reserve required by a state law to |
| Baton Rouge | | insurance and more. | | offset any declines in the valuation of |
| Whittier | | | | securities listed as admitted assets. |
| Memphis | | Life insurance, specifically Term Life, | | |
| Edmond | | is arguably one of the best values in | | Brick Veneer Construction: Refers to |
| Westbury | | the entire financial services arena. | | a building where the outside walls are |
| Grand Rapids | | Where else can you go and get | | constructed of wood with a facing of a |
| Greeley | | hundreds of thousands of dollars in | | single layer of brick. |
| Vero Beach | | protection for literally pennies per | | |
| Belleville | | day? Rates for Term Life insurance | | Losses Incurred: The total losses, |
| Decatur | | remain at all-time lows, and now is the | | whether paid or not, sustained by an |
| Detroit | | time to lock in the best prices. | | insurer during a given period, e.g., 12 |
| Atlanta | | | | months. |
| Mesa | | At InsWeb, you can compare free | | |
| Tempe | | online insurance quotes from many of | | Accident Year Experience: Measures |
| Mesa | | the nations leading insurance | | premiums and losses relating to |
| Naperville | | companies. | | accidents which occurred during a |
| Augusta | | | | 12-month period. |
| Valdosta | | Shopping around is the best way to | | |
| Plano | | save money on your insurance. | | National Auto Theft Bureau: An |
| Tucson | | | | organization engaged in the |
| Jersey City | | Healthy people have the best | | prevention and reduction of motor |
| Mesa | | mortality risks and thus are much | | vehicle fire and theft losses. |
| Mesa | | cheaper for companies to insure. This | | |
| Schaumburg | | translates into lower rates for the | | |
| Austin | | Super Preferred customer than | | |
| Springfield | | someone with higher risk factors such | | |
| Garland | | as a heart condition, cancer or | | |
| Chesapeake | | diabetes. Conversely, if you were | | |
| Coral Springs | | unhealthy when you acquired your | | |
| Las Cruces | | policy, and your health has now | | |
| Tyler | | improved, it might be time to shop for | | |
| Santa Barbara | | a new policy, as your rates are likely | | |
| Fort Collins | | to be lower. | | |
