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| Tulsa | | While some companies raise their | | Mandatory Valuation Reserve: A |
| Portland | | prices based on your actual age, | | reserve required by a state law to |
| Winter Haven | | most companies increase the price of | | offset any declines in the valuation of |
| Amarillo | | their policies six months before your | | securities listed as admitted assets. |
| Springfield | | birthday. Its a term called Age | | |
| Boynton Beach | | Nearest in the industry, and that | | Policywriting Agent: An agent who has |
| Dothan | | half-year price increase could really | | the authority to prepare and effect an |
| Sioux City | | add up over a 20-year term policy. As | | insurer's policy. |
| Syracuse | | above, the quicker you purchase your | | |
| Chicago | | policy the better. | | Captive Agent: One who sells |
| Kalamazoo | | | | insurance for only one company as |
| Sacramento | | At InsWeb, you can compare free | | opposed to an agent who represents |
| Bloomington | | online insurance quotes from many of | | several companies. |
| Kalamazoo | | the nations leading insurance | | |
| Davenport | | companies. | | Overlapping Insurance: Coverage |
| Springfield | | | | from two or more policies or insurers |
| El Paso | | Healthy people have the best | | which duplicates coverage of certain |
| Boston | | mortality risks and thus are much | | risks. |
| Columbus | | cheaper for companies to insure. This | | |
| Hattiesburg | | translates into lower rates for the | | Foreign Insurer: An insurer domiciled |
| Naperville | | Super Preferred customer than | | in a state of the United States other |
| Scranton | | someone with higher risk factors such | | than the one in which the insured's |
| Pueblo | | as a heart condition, cancer or | | insurance is written. |
| Harrisburg | | diabetes. Conversely, if you were | | |
| Dayton | | unhealthy when you acquired your | | Deflation: An economic period |
| El Paso | | policy, and your health has now | | characterized by falling prices, high |
| Anaheim | | improved, it might be time to shop for | | unemployment and a generally |
| Beaumont | | a new policy, as your rates are likely | | sluggish or slow economy. |
| Charlotte | | to be lower. | | |
| Durham | | | | Commercial Lines: This term is used |
| Lexington | | If you have noticed that your auto | | to refer to insurance for businesses, |
| Phoenix | | insurance rates are still increasing | | professionals, and commercial |
| Anaheim | | with each renewal, or even have not | | establishments. |
| Duluth | | gone down even though you have a | | |
| Williamsburg | | great driving record, this lower pricing | | |
| Akron | | trend makes it more important then | | |
| Long Beach | | ever that you shop around for auto | | |
| Killeen | | insurance. | | |
