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| Spokane | | While some companies raise their | | Collusion: An agreement, usually |
| Long Island City | | prices based on your actual age, | | secret, between two or more persons |
| Reading | | most companies increase the price of | | to defraud or deprive another or |
| Columbia | | their policies six months before your | | others of their property or rights. |
| Southfield | | birthday. Its a term called Age | | |
| Gainesville | | Nearest in the industry, and that | | Commingling: An illegal practice |
| Winter Haven | | half-year price increase could really | | which occurs when an agent mixes |
| Stamford | | add up over a 20-year term policy. As | | personal funds with the insured's or |
| Cypress | | above, the quicker you purchase your | | insurer's funds. |
| Inglewood | | policy the better. | | |
| Stockton | | | | Underwriters Laboratories, Inc. (UL): A |
| Lafayette | | Why not take advantage of current | | testing laboratory for manufactured |
| Decatur | | low prices? Many auto insurance | | items to determine their safety |
| Tallahassee | | consumers are becoming educated | | propensities. |
| Rochester | | on other companies, plans, and rates | | |
| Winter Haven | | that are available to them; ones that | | Federal Deposit Insurance |
| Canton | | could afford them significant savings | | Corporation (FDIC): An agency of the |
| Stockbridge | | on their auto insurance. | | federal government which insures |
| Nashville | | | | bank deposits up to a stated |
| Tyler | | At InsWeb, you can compare free | | maximum. |
| Reading | | online insurance quotes from many of | | |
| Franklin | | the nations leading insurance | | Short-Term Policy: A policy written for |
| Littleton | | companies. | | a period of less time than is normal for |
| Jackson | | | | that type of policy. |
| Lansing | | Make sure you have a new policy in | | |
| Boynton Beach | | place before you cancel your old one | | Dual Life Stock Company: A stock |
| San Francisco | | to avoid a lapse in coverage. This will | | Life insurer issuing both participating |
| Malden | | also prevent having to figure out the | | and nonparticipating policy contracts. |
| Turlock | | amount of any unused premium that is | | |
| Pensacola | | due to you from your old insurance | | Convention Values: Values assigned |
| Harrisburg | | company, or having to spar with your | | to insurers' assets in the convention |
| Valdosta | | agent about exactly when your policy | | blank. |
| Escondido | | was cancelled and how much they | | |
| Tallahassee | | owe you. | | Admitted (or Allowed) Assets: Assets |
| New Port Richey | | | | whose values are permitted by state |
| White Plains | | | | law to be included in the annual |
| Lorain | | | | statement of the insurer. |
