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| Sterling Heights | | If you have noticed that your auto | | Admitted (or Allowed) Assets: Assets |
| Cookeville | | insurance rates are still increasing | | whose values are permitted by state |
| Akron | | with each renewal, or even have not | | law to be included in the annual |
| Rochester | | gone down even though you have a | | statement of the insurer. |
| Flint | | great driving record, this lower pricing | | |
| Tempe | | trend makes it more important then | | Minimum Premium: The smallest |
| Las Cruces | | ever that you shop around for auto | | amount of premium for which an |
| Johnson City | | insurance. | | insurer will issue coverage under a |
| Riverside | | | | given policy. |
| Racine | | Why not take advantage of current | | |
| San Antonio | | low prices? Many auto insurance | | Criticism: A correction suggested by a |
| Goldsboro | | consumers are becoming educated | | rating or auditing bureau to an insurer. |
| Oxnard | | on other companies, plans, and rates | | |
| Monroe | | that are available to them; ones that | | You/Your: These words are used to |
| Ocala | | could afford them significant savings | | refer to the named insured in many of |
| Denton | | on their auto insurance. | | the modernized/personalized policy |
| Goldsboro | | | | forms. |
| Tacoma | | Everyone has different needs, and | | |
| Rockford | | not one size fits all when it comes to | | Deflation: An economic period |
| Fort Lauderdale | | term life insurance. While it may make | | characterized by falling prices, high |
| St. Louis | | sense for people in their 30s and 40s | | unemployment and a generally |
| Fort Wayne | | to secure a 20-year term length, a | | sluggish or slow economy. |
| Turlock | | 10-year term might be more | | |
| Whittier | | appropriate for someone nearing | | Examiner: An employee assigned by |
| Amarillo | | retirement. | | the state insurance department to |
| Syracuse | | | | audit insurers' records. |
| Shreveport | | People who are trying to quit | | |
| Bloomington | | smoking, for example, might be best | | Retrospective Premium: The final |
| Hattiesburg | | suited purchasing a shorter term (and | | premium in a retrospective rating |
| Austin | | then replacing it with a longer term | | plan. See Retrospective Rating. |
| Chandler | | policy when they qualify for | | |
| Colorado Springs | | non-tobacco prices). | | Net Interest Earned: The average |
| Hemet | | | | interest earned by an insurer on its |
| Akron | | While some companies raise their | | investments after investment expense |
| Toledo | | prices based on your actual age, | | but before federal income taxes. |
| Dallas | | most companies increase the price of | | |
| Atlanta | | their policies six months before your | | |
| Little Rock | | birthday. Its a term called Age | | |
| Anchorage | | Nearest in the industry, and that | | |
| Huntington | | half-year price increase could really | | |
| Grand Prairie | | add up over a 20-year term policy. As | | |
| Costa Mesa | | above, the quicker you purchase your | | |
| Springfield | | policy the better. | | |
