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| Bakersfield | | We offer quotes for auto insurance, | | Open Rating: A system whereby a |
| Hampton | | life insurance, homeowners | | state allows an insurer to use rates |
| Winter Haven | | insurance, health insurance, term life | | without prior approval. |
| Toms River | | insurance and more. | | |
| Colorado Springs | | | | Minimum Premium: The smallest |
| Thousand Oaks | | Shopping around is the best way to | | amount of premium for which an |
| Duluth | | save money on your insurance. | | insurer will issue coverage under a |
| Jackson | | | | given policy. |
| Jackson | | Why not take advantage of current | | |
| Wilmington | | low prices? Many auto insurance | | Stock Option Plan: Surviving |
| Columbia | | consumers are becoming educated | | stockholders have the option to |
| Decatur | | on other companies, plans, and rates | | purchase or not purchase the shares |
| St. Joseph | | that are available to them; ones that | | of a deceased stockholder. |
| Clinton Township | | could afford them significant savings | | |
| Orange Park | | on their auto insurance. | | Replacement: A new policy written to |
| Boise | | | | take the place of one currently in force. |
| Rapid City | | Healthy people have the best | | |
| Madison | | mortality risks and thus are much | | Accidental Bodily Injury: An injury |
| Inglewood | | cheaper for companies to insure. This | | sustained accidentally. Only the result |
| Reno | | translates into lower rates for the | | need be accidental. Contrast with |
| Reno | | Super Preferred customer than | | Accidental Means. |
| Boston | | someone with higher risk factors such | | |
| Boca Raton | | as a heart condition, cancer or | | Line of Business: The classification of |
| Columbia | | diabetes. Conversely, if you were | | business as utilized in the insurance |
| Sioux Falls | | unhealthy when you acquired your | | industry, e.g., Fire, Allied Lines and |
| Anaheim | | policy, and your health has now | | Homeowners. |
| Kansas City | | improved, it might be time to shop for | | |
| Long Island City | | a new policy, as your rates are likely | | Time Limits: The limits of time within |
| Sioux Falls | | to be lower. | | which notice of a claim and proof of a |
| Walnut Creek | | | | loss must be submitted. |
| Longwood | | While some companies raise their | | |
| Spartanburg | | prices based on your actual age, | | Accident: An unplanned event, |
| Greensboro | | most companies increase the price of | | unexpected and undesigned, which |
| San Jose | | their policies six months before your | | occurs suddenly and at a definite |
| Lake Charles | | birthday. Its a term called Age | | place. |
| Glendale | | Nearest in the industry, and that | | |
| Little Rock | | half-year price increase could really | | |
| Montgomery | | add up over a 20-year term policy. As | | |
| Austin | | above, the quicker you purchase your | | |
| Providence | | policy the better. | | |
