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| Greensboro | | Shopping around is the best way to | | Buy-Back" Deductible: A deductible |
| Harrisburg | | save money on your insurance. | | which may be eliminated for an |
| Fremont | | | | additional premium in order to |
| Miami | | While some companies raise their | | provide "first-dollar" coverage. |
| Miami | | prices based on your actual age, | | |
| Malden | | most companies increase the price of | | Public Adjuster: An insurance adjuster |
| Bloomington | | their policies six months before your | | who represents an insured on a fee |
| Whittier | | birthday. Its a term called Age | | basis in claims settlement. Contrast |
| Lakewood | | Nearest in the industry, and that | | with Independent Adjuster. |
| Alexandria | | half-year price increase could really | | |
| Alameda | | add up over a 20-year term policy. As | | Tariff Rate: A rate established by a |
| Texarkana | | above, the quicker you purchase your | | rating organization, which comes from |
| Florissant | | policy the better. | | the tables, schedules and rules found |
| Los Angeles | | | | in the tariff of rates. |
| Asheville | | People who are trying to quit | | |
| Huntsville | | smoking, for example, might be best | | Director of Insurance: A title used in |
| Lancaster | | suited purchasing a shorter term (and | | some states for the head of the |
| Reading | | then replacing it with a longer term | | department of insurance. |
| Cleveland | | policy when they qualify for | | |
| Lawton | | non-tobacco prices). | | Authorized Insurer: An insurer |
| Portland | | | | authorized by the state to transact |
| Costa Mesa | | Individuals who have 30-year | | business in that state for specific |
| Austin | | mortgages might want to consider a | | types of insurance. |
| Bayside | | 30-year term to ensure that the house | | |
| Duluth | | is protected throughout the period of | | Brick Veneer Construction: Refers to |
| Erie | | the loan. | | a building where the outside walls are |
| New Port Richey | | | | constructed of wood with a facing of a |
| Decatur | | Why not take advantage of current | | single layer of brick. |
| Arlington | | low prices? Many auto insurance | | |
| Carlsbad | | consumers are becoming educated | | Multi-Peril Policies: Policies which |
| Fairfax | | on other companies, plans, and rates | | cover a number of perils, such as fire, |
| Fort Lauderdale | | that are available to them; ones that | | burglary, and liability, in a single |
| Olympia | | could afford them significant savings | | contract. |
| Omaha | | on their auto insurance. | | |
