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| Dallas | | If you have noticed that your auto | | Brokerage Department: A department |
| Palm Harbor | | insurance rates are still increasing | | of an insurer whose purpose is to |
| Zanesville | | with each renewal, or even have not | | deal with brokers in the placing of |
| Philadelphia | | gone down even though you have a | | insurance. |
| Columbia | | great driving record, this lower pricing | | |
| Allentown | | trend makes it more important then | | Paid-In Surplus: Surplus paid in by |
| Rochester | | ever that you shop around for auto | | stockholders, as contrasted with |
| Denver | | insurance. | | surplus earned through the |
| Englewood | | | | operations of a business. |
| Toms River | | People who are trying to quit | | |
| Akron | | smoking, for example, might be best | | Sherman Antitrust Act: An antitrust law |
| Charleston | | suited purchasing a shorter term (and | | from which insurance is exempted to |
| Eugene | | then replacing it with a longer term | | the extent that it is regulated by state |
| Waco | | policy when they qualify for | | law. |
| Staten Island | | non-tobacco prices). | | |
| Quincy | | | | Retrospective Premium: The final |
| Williamsburg | | Everyone has different needs, and | | premium in a retrospective rating |
| Duluth | | not one size fits all when it comes to | | plan. See Retrospective Rating. |
| High Point | | term life insurance. While it may make | | |
| Santa Rosa | | sense for people in their 30s and 40s | | Producer: A term applied to an agent, |
| Boca Raton | | to secure a 20-year term length, a | | solicitor or other person who sells |
| Greensboro | | 10-year term might be more | | insurance. |
| Ventura | | appropriate for someone nearing | | |
| Jacksonville | | retirement. | | Monoline Policy: Any insurance |
| Owensboro | | | | coverage written as a single line |
| Spartanburg | | If you decide to cancel your policy | | policy. Contrast with Multiple Line or |
| Tuscaloosa | | (after acquiring new coverage) | | Package policy. |
| Fredericksburg | | outside of the 30-day period, you may | | |
| Southfield | | have to pay a fee or penalty. | | Captive Agent: One who sells |
| Kansas City | | However, you may still save money | | insurance for only one company as |
| Plano | | after paying the fee if your new policy | | opposed to an agent who represents |
| Ocala | | affords you significant savings. So | | several companies. |
| Spartanburg | | while it is best to wait until your | | |
| Irvine | | receive your renewal notice, you CAN | | Independent Contractor: One who |
| Raleigh | | cancel your policy at any time. | | agrees to perform according to a |
| Stamford | | | | contract and who is not an employee. |
