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| San Diego | | If you have noticed that your auto | | Minimum Premium: The smallest |
| Little Rock | | insurance rates are still increasing | | amount of premium for which an |
| Midland | | with each renewal, or even have not | | insurer will issue coverage under a |
| Santa Clara | | gone down even though you have a | | given policy. |
| Las Vegas | | great driving record, this lower pricing | | |
| Flushing | | trend makes it more important then | | Federal Deposit Insurance |
| Conroe | | ever that you shop around for auto | | Corporation (FDIC): An agency of the |
| Santa Ana | | insurance. | | federal government which insures |
| Tampa | | | | bank deposits up to a stated |
| Stockbridge | | Healthy people have the best | | maximum. |
| Mobile | | mortality risks and thus are much | | |
| Corona | | cheaper for companies to insure. This | | Lapsed Policy: One which has been |
| Clarksville | | translates into lower rates for the | | allowed to expire because of |
| Oklahoma City | | Super Preferred customer than | | nonpayment of premiums. |
| Rapid City | | someone with higher risk factors such | | |
| Shreveport | | as a heart condition, cancer or | | Borderline Risk: An insurance |
| Gulfport | | diabetes. Conversely, if you were | | prospect of doubtful quality from an |
| Modesto | | unhealthy when you acquired your | | underwriting point of view. |
| Alexandria | | policy, and your health has now | | |
| Olympia | | improved, it might be time to shop for | | Deflation: An economic period |
| Denver | | a new policy, as your rates are likely | | characterized by falling prices, high |
| Joliet | | to be lower. | | unemployment and a generally |
| Spring Hill | | | | sluggish or slow economy. |
| Boston | | The best time to switch policies is | | |
| Inglewood | | within one month of receiving your | | Replacement: A new policy written to |
| Burbank | | policy renewal from your current | | take the place of one currently in force. |
| Quincy | | insurer. You can typically cancel your | | |
| Staten Island | | policy without any fees or penalties if | | Agency Company: An insurance |
| Yuma | | you act within this time period. | | company that produces business |
| Erie | | | | through an agency network. Contrast |
| Warwick | | At InsWeb, you can compare free | | with Direct Writer. |
| Nashua | | online insurance quotes from many of | | |
| Portland | | the nations leading insurance | | Losses Incurred: The total losses, |
| Longmont | | companies. | | whether paid or not, sustained by an |
| Syracuse | | | | insurer during a given period, e.g., 12 |
| Fullerton | | | | months. |
