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| Daytona Beach | | The best time to switch policies is | | Fiduciary: A person holding the funds |
| Trenton | | within one month of receiving your | | or property of another in a position of |
| Columbus | | policy renewal from your current | | trust. An example would be the |
| Decatur | | insurer. You can typically cancel your | | executor of an estate. |
| Yuma | | policy without any fees or penalties if | | |
| Omaha | | you act within this time period. | | Expense Allowance: A compensation |
| Pembroke Pines | | | | paid to an insurance agent in excess |
| York | | While some companies raise their | | of prescribed commissions. |
| Duluth | | prices based on your actual age, | | |
| Cookeville | | most companies increase the price of | | Standard Industry Code (SIC): This is |
| Las Cruces | | their policies six months before your | | a coding system which assigns |
| Tyler | | birthday. Its a term called Age | | separate codes for different types of |
| Tempe | | Nearest in the industry, and that | | industries. |
| Lansing | | half-year price increase could really | | |
| Norfolk | | add up over a 20-year term policy. As | | Sherman Antitrust Act: An antitrust law |
| Vero Beach | | above, the quicker you purchase your | | from which insurance is exempted to |
| Denver | | policy the better. | | the extent that it is regulated by state |
| Amarillo | | | | law. |
| Mobile | | Why not take advantage of current | | |
| Boynton Beach | | low prices? Many auto insurance | | Deficit Carried Forward: The transfer |
| Oceanside | | consumers are becoming educated | | of a debit balance from one |
| Vineland | | on other companies, plans, and rates | | accounting period to another. |
| San Diego | | that are available to them; ones that | | |
| New Port Richey | | could afford them significant savings | | Net Loss: The amount of loss |
| Memphis | | on their auto insurance. | | sustained by an insurer after giving |
| Racine | | | | effect to all applicable reinsurance, |
| Hot Springs | | If you have noticed that your auto | | salvage, and subrogation recoveries. |
| Cape Coral | | insurance rates are still increasing | | |
| Lake Charles | | with each renewal, or even have not | | Notice of Cancellation: Written notice |
| Dallas | | gone down even though you have a | | by an insurer of intent to cancel |
| Oakland | | great driving record, this lower pricing | | insurance, or written notice by an |
| Scranton | | trend makes it more important then | | insured requesting cancellation. |
| Tacoma | | ever that you shop around for auto | | |
| Belleville | | insurance. | | Indemnity: Restoration to the victim of |
| Pembroke Pines | | | | a loss by payment, repair, or |
| Johnstown | | | | replacement. |
