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| Stuart | | Why not take advantage of current | | Flat Cancellation: A policy which is |
| Wilmington | | low prices? Many auto insurance | | cancelled upon its effective date. |
| Gainesville | | consumers are becoming educated | | Usually under a flat cancellation no |
| Riverside | | on other companies, plans, and rates | | premium charge is made. |
| Fredericksburg | | that are available to them; ones that | | |
| Conroe | | could afford them significant savings | | Underwriters Laboratories, Inc. (UL): A |
| Cookeville | | on their auto insurance. | | testing laboratory for manufactured |
| Lawrenceville | | | | items to determine their safety |
| Birmingham | | Healthy people have the best | | propensities. |
| Lincoln | | mortality risks and thus are much | | |
| Reading | | cheaper for companies to insure. This | | Broker of Record: A broker who has |
| Bloomington | | translates into lower rates for the | | been designated to handle certain |
| Baton Rouge | | Super Preferred customer than | | insurance contracts for the |
| Ogden | | someone with higher risk factors such | | policyholder. |
| Hendersonville | | as a heart condition, cancer or | | |
| Warwick | | diabetes. Conversely, if you were | | Substandard Risk: A risk not |
| Schaumburg | | unhealthy when you acquired your | | measuring up to underwriting |
| Omaha | | policy, and your health has now | | standards. It may still be written but |
| Bloomington | | improved, it might be time to shop for | | usually at a surcharged premium. |
| Arlington | | a new policy, as your rates are likely | | |
| Chattanooga | | to be lower. | | Valued: Relating to an agreement by |
| Monroe | | | | an insurer to pay a specified amount |
| Anchorage | | We offer quotes for auto insurance, | | of money to or on behalf of the |
| Mesa | | life insurance, homeowners | | insured upon occurrence of a defined |
| Fort Lauderdale | | insurance, health insurance, term life | | loss. |
| Worcester | | insurance and more. | | |
| Sunnyvale | | | | Insurance Examiner: The |
| Hemet | | If you have noticed that your auto | | representative of a state insurance |
| Bloomington | | insurance rates are still increasing | | department assigned to participate in |
| York | | with each renewal, or even have not | | the official audit and examination of |
| Winter Haven | | gone down even though you have a | | an insurer. |
| Denton | | great driving record, this lower pricing | | |
| Fort Worth | | trend makes it more important then | | Mandatory Valuation Reserve: A |
| Amarillo | | ever that you shop around for auto | | reserve required by a state law to |
| Cedar Rapids | | insurance. | | offset any declines in the valuation of |
| Sunnyvale | | | | securities listed as admitted assets. |
