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| Council Bluffs | | People who are trying to quit | | Appraisal: An evaluation of property |
| Fort Wayne | | smoking, for example, might be best | | made to ascertain either the |
| Melbourne | | suited purchasing a shorter term (and | | appropriate amount of insurance to |
| Rochester | | then replacing it with a longer term | | be written or the amount of loss to be |
| Bloomington | | policy when they qualify for | | paid. |
| Hartford | | non-tobacco prices). | | |
| San Bernardino | | | | Retrospective Premium: The final |
| Slidell | | The best time to switch policies is | | premium in a retrospective rating |
| Anderson | | within one month of receiving your | | plan. See Retrospective Rating. |
| Springfield | | policy renewal from your current | | |
| Springfield | | insurer. You can typically cancel your | | Monoline Policy: Any insurance |
| Anderson | | policy without any fees or penalties if | | coverage written as a single line |
| Canton | | you act within this time period. | | policy. Contrast with Multiple Line or |
| Toms River | | | | Package policy. |
| Nashua | | Why not take advantage of current | | |
| Lancaster | | low prices? Many auto insurance | | Effective Date: The date on which the |
| Arlington | | consumers are becoming educated | | protection of an insurance policy or |
| Bloomington | | on other companies, plans, and rates | | bond goes into effect. |
| Youngstown | | that are available to them; ones that | | |
| Los Angeles | | could afford them significant savings | | National Auto Theft Bureau: An |
| Naperville | | on their auto insurance. | | organization engaged in the |
| Indianapolis | | | | prevention and reduction of motor |
| Raleigh | | Individuals who have 30-year | | vehicle fire and theft losses. |
| Johnson City | | mortgages might want to consider a | | |
| Warren | | 30-year term to ensure that the house | | Divided Cover: The placing of |
| Alameda | | is protected throughout the period of | | insurance on a given subject or |
| Scranton | | the loan. | | object with more than one insurer. |
