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| Chesapeake | | People who are trying to quit | | FICA. Federal Insurance Contributions |
| Charlotte | | smoking, for example, might be best | | Act: A law imposing a payroll tax to |
| Bloomington | | suited purchasing a shorter term (and | | assist in funding Social Security |
| Sumter | | then replacing it with a longer term | | benefits. |
| Long Island City | | policy when they qualify for | | |
| Madison | | non-tobacco prices). | | Claim Expense: The expense of |
| Albuquerque | | | | adjusting a claim, such as |
| Fredericksburg | | If you have noticed that your auto | | investigation and attorneys' fees. It |
| Atlanta | | insurance rates are still increasing | | does not include the cost of the claim |
| Houston | | with each renewal, or even have not | | itself. |
| Quincy | | gone down even though you have a | | |
| Colorado Springs | | great driving record, this lower pricing | | Brokerage Department: A department |
| Joliet | | trend makes it more important then | | of an insurer whose purpose is to |
| Irving | | ever that you shop around for auto | | deal with brokers in the placing of |
| Duluth | | insurance. | | insurance. |