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| Topeka | | If you have noticed that your auto | | Capital Sum: The maximum lump sum |
| Florissant | | insurance rates are still increasing | | payable in the event of accidental |
| Philadelphia | | with each renewal, or even have not | | death or dismemberment. |
| Mesquite | | gone down even though you have a | | |
| Clarksville | | great driving record, this lower pricing | | Nonassignable: A policy that the |
| Boynton Beach | | trend makes it more important then | | owner cannot assign to a third party. |
| Philadelphia | | ever that you shop around for auto | | Most policies are nonassignable |
| High Point | | insurance. | | unless approval is given by the |
| Santa Clara | | | | insurer. |
| Irving | | While some companies raise their | | |
| Palm Harbor | | prices based on your actual age, | | Indemnity: Restoration to the victim of |
| Pensacola | | most companies increase the price of | | a loss by payment, repair, or |
| San Jose | | their policies six months before your | | replacement. |
| Raleigh | | birthday. Its a term called Age | | |
| Montgomery | | Nearest in the industry, and that | | Tabular Plan: A retrospective rating |
| Dearborn | | half-year price increase could really | | plan, which uses tables to furnish the |
| Council Bluffs | | add up over a 20-year term policy. As | | various values for the rating formula. |
| Gainesville | | above, the quicker you purchase your | | |
| Olympia | | policy the better. | | Professional Insurance Agents |
| Warwick | | | | Association: A trade association of |
| Tampa | | The best time to switch policies is | | mutual insurance agents. |
| Fort Worth | | within one month of receiving your | | |
| Las Vegas | | policy renewal from your current | | Endorsement: A written or printed form |
| Oxnard | | insurer. You can typically cancel your | | attached to the policy which alters |
| Greeley | | policy without any fees or penalties if | | provisions of the contract. |
| Bay City | | you act within this time period. | | |
| Peoria | | | | Tickler: A reminder system used to |
| Evansville | | We offer quotes for auto insurance, | | call an individual's attention to actions |
| Denver | | life insurance, homeowners | | that must be taken at a future point in |
| Morristown | | insurance, health insurance, term life | | time. |
| Columbus | | insurance and more. | | |
| Lancaster | | | | Book Value: Refers to the value of |
| Augusta | | People who are trying to quit | | assets as shown in the official |
| Tucson | | smoking, for example, might be best | | accounting records of the company. |
| Ogden | | suited purchasing a shorter term (and | | |
| Sumter | | then replacing it with a longer term | | |
| Conroe | | policy when they qualify for | | |
| Augusta | | non-tobacco prices). | | |
