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| Huntington Beach | | Healthy people have the best | | Multi-Peril Policies: Policies which |
| Pensacola | | mortality risks and thus are much | | cover a number of perils, such as fire, |
| Anderson | | cheaper for companies to insure. This | | burglary, and liability, in a single |
| Honolulu | | translates into lower rates for the | | contract. |
| Englewood | | Super Preferred customer than | | |
| Athens | | someone with higher risk factors such | | Basic Rate: The manual rate from |
| Newark | | as a heart condition, cancer or | | which discounts are taken or to which |
| Lincoln | | diabetes. Conversely, if you were | | charges are added to reflect the |
| Arlington | | unhealthy when you acquired your | | individual circumstances of a risk. |
| Gainesville | | policy, and your health has now | | |
| Gainesville | | improved, it might be time to shop for | | Coding: A method of putting |
| Springfield | | a new policy, as your rates are likely | | information into a numerical form for |
| West Palm Beach | | to be lower. | | statistical use. Most information on |
| Frederick | | | | policies is coded and then put into |
| Arlington | | Make sure you have a new policy in | | reports. |
| Carlsbad | | place before you cancel your old one | | |
| Rochester | | to avoid a lapse in coverage. This will | | Adjustment Bureau: A firm organized |
| Jackson | | also prevent having to figure out the | | to provide adjustment services to |
| Roanoke | | amount of any unused premium that is | | insurers not wishing to create their |
| Jacksonville | | due to you from your old insurance | | own claims division. |
| Orange Park | | company, or having to spar with your | | |
| Billings | | agent about exactly when your policy | | Mutualization: The process of |
| Overland Park | | was cancelled and how much they | | converting a stock insurer to a mutual |
| Providence | | owe you. | | insurer, accomplished by having the |
| Quincy | | | | insurer buy stock and retire it. |
| Fullerton | | We offer quotes for auto insurance, | | |
| Johnstown | | life insurance, homeowners | | Retrospective Premium: The final |
| Billings | | insurance, health insurance, term life | | premium in a retrospective rating |
| Conroe | | insurance and more. | | plan. See Retrospective Rating. |
