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| Johnstown | | People who are trying to quit | | Underinsurance: A condition in which |
| Union | | smoking, for example, might be best | | not enough insurance is carried to |
| Milwaukee | | suited purchasing a shorter term (and | | cover the insurable value. |
| Baton Rouge | | then replacing it with a longer term | | |
| New Orleans | | policy when they qualify for | | License: A certification of authority for |
| Rapid City | | non-tobacco prices). | | an agent or insurer to operate, given |
| Topeka | | | | by the appropriate jurisdiction. |
| Venice | | Healthy people have the best | | |
| Fort Wayne | | mortality risks and thus are much | | Overlapping Insurance: Coverage |
| Baton Rouge | | cheaper for companies to insure. This | | from two or more policies or insurers |
| Boynton Beach | | translates into lower rates for the | | which duplicates coverage of certain |
| Charleston | | Super Preferred customer than | | risks. |
| Cranston | | someone with higher risk factors such | | |
| Kingsport | | as a heart condition, cancer or | | Theory of Probability: The |
| Abilene | | diabetes. Conversely, if you were | | mathematical principle upon which |
| Hattiesburg | | unhealthy when you acquired your | | insurance is based. |
| Lake Worth | | policy, and your health has now | | |
| Akron | | improved, it might be time to shop for | | Foreign Insurer: An insurer domiciled |
| Acworth | | a new policy, as your rates are likely | | in a state of the United States other |
| Aurora | | to be lower. | | than the one in which the insured's |
| Warren | | | | insurance is written. |
| Portland | | Why not take advantage of current | | |
| Lincoln | | low prices? Many auto insurance | | Depreciation: A decrease in the value |
| Edmond | | consumers are becoming educated | | of any type of tangible property over |
| Houma | | on other companies, plans, and rates | | a period of time resulting from use, |
| Newport News | | that are available to them; ones that | | wear and tear, or obsolescence. |
| Phoenix | | could afford them significant savings | | |
| Bay City | | on their auto insurance. | | Brick Veneer Construction: Refers to |
| Springfield | | | | a building where the outside walls are |
| Fort Wayne | | At InsWeb, you can compare free | | constructed of wood with a facing of a |
| Columbus | | online insurance quotes from many of | | single layer of brick. |
| Jasper | | the nations leading insurance | | |
| Stuart | | companies. | | Burning Ratio: The ratio of losses |
| Greensboro | | | | suffered to the amount of insurance in |
| Corpus Christi | | | | effect. |
