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| Salem | | Individuals who have 30-year | | Underwriters Laboratories, Inc. (UL): A |
| Indianapolis | | mortgages might want to consider a | | testing laboratory for manufactured |
| Oceanside | | 30-year term to ensure that the house | | items to determine their safety |
| Stockton | | is protected throughout the period of | | propensities. |
| Toledo | | the loan. | | |
| Santa Rosa | | | | Provisional Rate: Tentative rates, |
| Bayside | | While some companies raise their | | premiums or commissions that are |
| Beaumont | | prices based on your actual age, | | subject to subsequent adjustment. |
| Walnut Creek | | most companies increase the price of | | See Commission and Premium. |
| Davenport | | their policies six months before your | | |
| Edmond | | birthday. Its a term called Age | | Director of Insurance: A title used in |
| Westbury | | Nearest in the industry, and that | | some states for the head of the |
| Portsmouth | | half-year price increase could really | | department of insurance. |
| Longview | | add up over a 20-year term policy. As | | |
| Lorain | | above, the quicker you purchase your | | Calendar Year Experience: This |
| Spring Hill | | policy the better. | | measures the premiums and losses |
| Bloomington | | | | entered on accounting records during |
| Tacoma | | If you decide to cancel your policy | | the 12-month calendar. |
| Glendale | | (after acquiring new coverage) | | |
| Baton Rouge | | outside of the 30-day period, you may | | Collusion: An agreement, usually |
| Tyler | | have to pay a fee or penalty. | | secret, between two or more persons |
| Houma | | However, you may still save money | | to defraud or deprive another or |
| Stockton | | after paying the fee if your new policy | | others of their property or rights. |
| Williamsport | | affords you significant savings. So | | |
| Jacksonville | | while it is best to wait until your | | Admitted (or Allowed) Assets: Assets |
| Morristown | | receive your renewal notice, you CAN | | whose values are permitted by state |
| Newburgh | | cancel your policy at any time. | | law to be included in the annual |
| Yonkers | | | | statement of the insurer. |
| Newark | | Why not take advantage of current | | |
| Venice | | low prices? Many auto insurance | | Agent's Qualification Law: Education, |
| Williamsport | | consumers are becoming educated | | experience, and other requirements |
| Texarkana | | on other companies, plans, and rates | | imposed by the state upon persons |
| Berkeley | | that are available to them; ones that | | desiring to be licensed as agents. |
| Worcester | | could afford them significant savings | | |
| Odessa | | on their auto insurance. | | |
