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| Waco | | Make sure you have a new policy in | | Divided Cover: The placing of |
| Boston | | place before you cancel your old one | | insurance on a given subject or |
| Thousand Oaks | | to avoid a lapse in coverage. This will | | object with more than one insurer. |
| Tallahassee | | also prevent having to figure out the | | |
| Yonkers | | amount of any unused premium that is | | Malicious Mischief: Similar to |
| Santa Clara | | due to you from your old insurance | | vandalism. Purposely damaging the |
| Joliet | | company, or having to spar with your | | rights or property of another. |
| Joliet | | agent about exactly when your policy | | |
| Wilmington | | was cancelled and how much they | | Time Limits: The limits of time within |
| Decatur | | owe you. | | which notice of a claim and proof of a |
| Cambridge | | | | loss must be submitted. |
| Virginia Beach | | People who are trying to quit | | |
| St. Paul | | smoking, for example, might be best | | Premium Notice: A form notice from |
| Grand Junction | | suited purchasing a shorter term (and | | an insurer or agency to a policy |
| Gainesville | | then replacing it with a longer term | | owner that a premium will be due on a |
| Mesquite | | policy when they qualify for | | given date. |
| Shreveport | | non-tobacco prices). | | |
| Jackson | | | | Admitted Company: An insurance |
| Mesquite | | If you have noticed that your auto | | company authorized and licensed to |
| Jackson | | insurance rates are still increasing | | do business in a given state. |
| Ventura | | with each renewal, or even have not | | |
| Denver | | gone down even though you have a | | First Party Insurance: Insurance which |
| Newark | | great driving record, this lower pricing | | applies to coverage for the insured's |
| Flint | | trend makes it more important then | | own property or person. Contrast with |
| Schenectady | | ever that you shop around for auto | | Third Party Insurance. |
| Panama City | | insurance. | | |
| Lafayette | | | | Absolute Assignment: Assignment by |
| Spartanburg | | Healthy people have the best | | a policy owner of all control of and |
| Lancaster | | mortality risks and thus are much | | rights in the policy to a third party. |
| Boulder | | cheaper for companies to insure. This | | |
| Pensacola | | translates into lower rates for the | | Renewal: The reestablishment of the |
| Muncie | | Super Preferred customer than | | in-force status of a policy, the term of |
| Lakewood | | someone with higher risk factors such | | which has expired or will expire |
| Pompano Beach | | as a heart condition, cancer or | | unless it is renewed. |
| Norwalk | | diabetes. Conversely, if you were | | |
| Columbus | | unhealthy when you acquired your | | |
| Odessa | | policy, and your health has now | | |
| Knoxville | | improved, it might be time to shop for | | |
| Knoxville | | a new policy, as your rates are likely | | |
| Schaumburg | | to be lower. | | |
