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| Corpus Christi | | If you have noticed that your auto | | Short-Term Policy: A policy written for |
| Vineland | | insurance rates are still increasing | | a period of less time than is normal for |
| Fremont | | with each renewal, or even have not | | that type of policy. |
| Aurora | | gone down even though you have a | | |
| Fresno | | great driving record, this lower pricing | | Malicious Mischief: Similar to |
| San Antonio | | trend makes it more important then | | vandalism. Purposely damaging the |
| Irvine | | ever that you shop around for auto | | rights or property of another. |
| Philadelphia | | insurance. | | |
| Atlanta | | | | Domestic Insurer (or Company): An |
| Delray Beach | | Healthy people have the best | | insurer formed under the laws of the |
| Waterloo | | mortality risks and thus are much | | state in which the insurance is written. |
| Zanesville | | cheaper for companies to insure. This | | |
| Amarillo | | translates into lower rates for the | | Policy Period (or Term): The period |
| Eugene | | Super Preferred customer than | | during which the policy contract |
| Oxnard | | someone with higher risk factors such | | affords protection, e.g., six months or |
| Anchorage | | as a heart condition, cancer or | | one or three years. |
| Lake Worth | | diabetes. Conversely, if you were | | |
| Livonia | | unhealthy when you acquired your | | Gross Premium: The net premium |
| Tacoma | | policy, and your health has now | | plus operating expenses, |
| Decatur | | improved, it might be time to shop for | | commissions and other expenses. |
| Oceanside | | a new policy, as your rates are likely | | |
| Allentown | | to be lower. | | Interstate Carrier: A transportation |
| Cincinnati | | | | company which does business |
| Wichita | | Everyone has different needs, and | | across state lines. |
| Eugene | | not one size fits all when it comes to | | |
| Redlands | | term life insurance. While it may make | | Overlapping Insurance: Coverage |
| Dayton | | sense for people in their 30s and 40s | | from two or more policies or insurers |
| Cape Coral | | to secure a 20-year term length, a | | which duplicates coverage of certain |
| Lakewood | | 10-year term might be more | | risks. |
| Albuquerque | | appropriate for someone nearing | | |
| Clarksville | | retirement. | | Insurance Policy: The printed form |
| Jersey City | | | | which serves as the contract between |
| Santa Rosa | | Individuals who have 30-year | | an insurer and an insured. |
| Sioux Falls | | mortgages might want to consider a | | |
| Sacramento | | 30-year term to ensure that the house | | |
| Franklin | | is protected throughout the period of | | |
| Lawton | | the loan. | | |
