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| Syracuse | | The best time to switch policies is | | Premium Notice: A form notice from |
| Newburgh | | within one month of receiving your | | an insurer or agency to a policy |
| Tuscaloosa | | policy renewal from your current | | owner that a premium will be due on a |
| Lawton | | insurer. You can typically cancel your | | given date. |
| Sunnyvale | | policy without any fees or penalties if | | |
| Billings | | you act within this time period. | | Absolute Assignment: Assignment by |
| Nashua | | | | a policy owner of all control of and |
| Texarkana | | If you have noticed that your auto | | rights in the policy to a third party. |
| Winter Park | | insurance rates are still increasing | | |
| Naples | | with each renewal, or even have not | | Tabular Plan: A retrospective rating |
| Jacksonville | | gone down even though you have a | | plan, which uses tables to furnish the |
| Madison | | great driving record, this lower pricing | | various values for the rating formula. |
| Englewood | | trend makes it more important then | | |
| Cambridge | | ever that you shop around for auto | | License: A certification of authority for |
| Fort Wayne | | insurance. | | an agent or insurer to operate, given |
| Torrance | | | | by the appropriate jurisdiction. |
| Muncie | | While some companies raise their | | |
| Cambridge | | prices based on your actual age, | | Net Loss: The amount of loss |
| New Orleans | | most companies increase the price of | | sustained by an insurer after giving |
| Wilmington | | their policies six months before your | | effect to all applicable reinsurance, |
| Allentown | | birthday. Its a term called Age | | salvage, and subrogation recoveries. |
| Berkeley | | Nearest in the industry, and that | | |
| Jacksonville | | half-year price increase could really | | Amendment: A formal document |
| Spartanburg | | add up over a 20-year term policy. As | | which corrects or revises an |
| Malden | | above, the quicker you purchase your | | insurance master policy. |
| Dallas | | policy the better. | | |
| Glendale | | | | Expense Allowance: A compensation |
| Jersey City | | Life insurance, specifically Term Life, | | paid to an insurance agent in excess |
| Chula Vista | | is arguably one of the best values in | | of prescribed commissions. |
| Montgomery | | the entire financial services arena. | | |
| Gaithersburg | | Where else can you go and get | | Equity: The money value of an |
| Sterling Heights | | hundreds of thousands of dollars in | | insurance company that is over and |
| Oklahoma City | | protection for literally pennies per | | above its liabilities. Liabilities include |
| Cambridge | | day? Rates for Term Life insurance | | almost all of its reserves. |
| Coral Springs | | remain at all-time lows, and now is the | | |
| Louisville | | time to lock in the best prices. | | |
