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| Flushing | | If you have noticed that your auto | | Broker-Agent: One acting as an agent |
| Overland Park | | insurance rates are still increasing | | of one or more insurers and as a |
| Inglewood | | with each renewal, or even have not | | broker in dealing with one or more |
| Winter Park | | gone down even though you have a | | other insurers. |
| Houma | | great driving record, this lower pricing | | |
| Charleston | | trend makes it more important then | | Foreign Insurer: An insurer domiciled |
| Bloomington | | ever that you shop around for auto | | in a state of the United States other |
| Winter Haven | | insurance. | | than the one in which the insured's |
| Davenport | | | | insurance is written. |
| Racine | | The best time to switch policies is | | |
| Davenport | | within one month of receiving your | | Brokerage Department: A department |
| Chula Vista | | policy renewal from your current | | of an insurer whose purpose is to |
| Portland | | insurer. You can typically cancel your | | deal with brokers in the placing of |
| Edison | | policy without any fees or penalties if | | insurance. |
| Williamsburg | | you act within this time period. | | |
| Hartford | | | | Burning Ratio: The ratio of losses |
| Glendale | | Make sure you have a new policy in | | suffered to the amount of insurance in |
| Houma | | place before you cancel your old one | | effect. |
| Madison | | to avoid a lapse in coverage. This will | | |
| Bronx | | also prevent having to figure out the | | Endorsement: A written or printed form |
| Poughkeepsie | | amount of any unused premium that is | | attached to the policy which alters |
| Decatur | | due to you from your old insurance | | provisions of the contract. |
| Killeen | | company, or having to spar with your | | |
| North Hollywood | | agent about exactly when your policy | | Appraisal: An evaluation of property |
| Warren | | was cancelled and how much they | | made to ascertain either the |
| Troy | | owe you. | | appropriate amount of insurance to |
| Springfield | | | | be written or the amount of loss to be |
| Newport News | | While some companies raise their | | paid. |
| Thousand Oaks | | prices based on your actual age, | | |
| Santa Ana | | most companies increase the price of | | New For Old: Replacing old |
| Lafayette | | their policies six months before your | | damaged parts or equipment with |
| Winter Haven | | birthday. Its a term called Age | | new ones rather than repairing them. |
| New Port Richey | | Nearest in the industry, and that | | |
| Whittier | | half-year price increase could really | | Agency: An insurance sales office |
| Irving | | add up over a 20-year term policy. As | | which is directed by a agent, |
| Cedar Rapids | | above, the quicker you purchase your | | manager, independent agent, or |
| Jackson | | policy the better. | | company manager. |
