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| Pittsburgh | | Why not take advantage of current | | Initial Premium: An amount paid at the |
| Turlock | | low prices? Many auto insurance | | inception of an insurance contract, |
| Fairfax | | consumers are becoming educated | | usually subject to adjustment at the |
| Toledo | | on other companies, plans, and rates | | end of the policy period. |
| Stamford | | that are available to them; ones that | | |
| Indianapolis | | could afford them significant savings | | Tabular Plan: A retrospective rating |
| Mansfield | | on their auto insurance. | | plan, which uses tables to furnish the |
| Orlando | | | | various values for the rating formula. |
| Costa Mesa | | Everyone has different needs, and | | |
| Vero Beach | | not one size fits all when it comes to | | Valuation Clause: A clause stating the |
| Albany | | term life insurance. While it may make | | value of items for insurance |
| Long Island City | | sense for people in their 30s and 40s | | purposes, making it a valued policy. |
| Oceanside | | to secure a 20-year term length, a | | |
| Springfield | | 10-year term might be more | | Cut Rate: This term generally applies |
| Indianapolis | | appropriate for someone nearing | | to insurance companies who charge |
| Gaithersburg | | retirement. | | premiums below a normal or average |
| Lubbock | | | | rate. |
| Knoxville | | The quickest and easiest way to | | |
| Anderson | | shop for new insurance is by | | Agent's Qualification Law: Education, |
| Florissant | | comparing rates at InsWebs online | | experience, and other requirements |
| Venice | | marketplace. If you do it the | | imposed by the state upon persons |
| Gaithersburg | | old-fashioned way (by calling or | | desiring to be licensed as agents. |
| Arlington | | visiting multiple agents or insurance | | |
| Naperville | | companies) it could take up a huge | | Countersignature: The signature of a |
| Santa Ana | | chunk of your time, which no one | | licensed agent or representative on a |
| Decatur | | wants or needs. By completing | | policy. |
| Anderson | | InsWebs online application, you will | | |
| Mountain View | | have rates to compare to your old | | Substandard Risk: A risk not |
| Peoria | | ones within minutes! | | measuring up to underwriting |
| Milwaukee | | | | standards. It may still be written but |
| San Diego | | Healthy people have the best | | usually at a surcharged premium. |
| West Chester | | mortality risks and thus are much | | |
| Sunnyvale | | cheaper for companies to insure. This | | Insurance Examiner: The |
| Hollywood | | translates into lower rates for the | | representative of a state insurance |
| Belleville | | Super Preferred customer than | | department assigned to participate in |
| Bellevue | | someone with higher risk factors such | | the official audit and examination of |
| Spartanburg | | as a heart condition, cancer or | | an insurer. |
| Chattanooga | | diabetes. Conversely, if you were | | |
| Metairie | | unhealthy when you acquired your | | |
| Stamford | | policy, and your health has now | | |
| Seattle | | improved, it might be time to shop for | | |
| Albuquerque | | a new policy, as your rates are likely | | |
| Tempe | | to be lower. | | |
