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| Palo Alto | | The quickest and easiest way to | | Premium Notice: A form notice from |
| Clarksville | | shop for new insurance is by | | an insurer or agency to a policy |
| Vero Beach | | comparing rates at InsWebs online | | owner that a premium will be due on a |
| Portsmouth | | marketplace. If you do it the | | given date. |
| Reno | | old-fashioned way (by calling or | | |
| Youngstown | | visiting multiple agents or insurance | | Cut Rate: This term generally applies |
| Myrtle Beach | | companies) it could take up a huge | | to insurance companies who charge |
| Austin | | chunk of your time, which no one | | premiums below a normal or average |
| Cincinnati | | wants or needs. By completing | | rate. |
| Toms River | | InsWebs online application, you will | | |
| Berkeley | | have rates to compare to your old | | Fictitious Groups: Groups formed |
| Frederick | | ones within minutes! | | primarily for the purpose of buying |
| Allentown | | | | insurance. Under the law such groups |
| Sacramento | | Healthy people have the best | | may not be underwritten. |
| Mountain View | | mortality risks and thus are much | | |
| Malden | | cheaper for companies to insure. This | | Exclusions: Specific situations, |
| Glendale | | translates into lower rates for the | | conditions, or circumstances that are |
| San Bernardino | | Super Preferred customer than | | listed in the contract as being not |
| Killeen | | someone with higher risk factors such | | covered. |
| Anderson | | as a heart condition, cancer or | | |
| Kansas City | | diabetes. Conversely, if you were | | Renewal: The reestablishment of the |
| Williamsport | | unhealthy when you acquired your | | in-force status of a policy, the term of |
| Sioux Falls | | policy, and your health has now | | which has expired or will expire |
| Norfolk | | improved, it might be time to shop for | | unless it is renewed. |
| Hemet | | a new policy, as your rates are likely | | |
| Bloomington | | to be lower. | | Flat Cancellation: A policy which is |
| Jonesboro | | | | cancelled upon its effective date. |
| Mountain View | | If you have noticed that your auto | | Usually under a flat cancellation no |
| Monroe | | insurance rates are still increasing | | premium charge is made. |
| White Plains | | with each renewal, or even have not | | |
| Richmond | | gone down even though you have a | | Legislative Risk: A risk faced by |
| Oxnard | | great driving record, this lower pricing | | investors whereby changes in tax |
| Williamsburg | | trend makes it more important then | | laws can result in adverse effects on |
| Hartford | | ever that you shop around for auto | | the individual's investment results. |
| Roanoke | | insurance. | | |
