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| Worcester | | If you have noticed that your auto | | Short-Term Policy: A policy written for |
| Lansing | | insurance rates are still increasing | | a period of less time than is normal for |
| Bloomington | | with each renewal, or even have not | | that type of policy. |
| Seattle | | gone down even though you have a | | |
| Malden | | great driving record, this lower pricing | | Sole Proprietorship: A business |
| Carlsbad | | trend makes it more important then | | enterprise owned by one person who |
| Eugene | | ever that you shop around for auto | | is its manager and employee. |
| Birmingham | | insurance. | | |
| Colorado Springs | | | | New For Old: Replacing old |
| Thousand Oaks | | We offer quotes for auto insurance, | | damaged parts or equipment with |
| Huntsville | | life insurance, homeowners | | new ones rather than repairing them. |
| Springfield | | insurance, health insurance, term life | | |
| Huntington Beach | | insurance and more. | | Criticism: A correction suggested by a |
| Troy | | | | rating or auditing bureau to an insurer. |
| Jackson | | People who are trying to quit | | |
| Winter Park | | smoking, for example, might be best | | Premium: The price of insurance |
| Escondido | | suited purchasing a shorter term (and | | protection for a specified risk for a |
| Bloomington | | then replacing it with a longer term | | specified period of time. |
| Hemet | | policy when they qualify for | | |
| Orange Park | | non-tobacco prices). | | Gross Line: The total limit accepted |
| Virginia Beach | | | | by an insurer on an individual risk, |
| Nashua | | Individuals who have 30-year | | including the amount to be reinsured. |
| Bakersfield | | mortgages might want to consider a | | |
| Sterling Heights | | 30-year term to ensure that the house | | Appraisal: An evaluation of property |
| Portland | | is protected throughout the period of | | made to ascertain either the |
| Lexington | | the loan. | | appropriate amount of insurance to |
| Syracuse | | | | be written or the amount of loss to be |
| Indianapolis | | Healthy people have the best | | paid. |
| Flint | | mortality risks and thus are much | | |
| Fremont | | cheaper for companies to insure. This | | Exclusions: Specific situations, |
| Madison | | translates into lower rates for the | | conditions, or circumstances that are |
| York | | Super Preferred customer than | | listed in the contract as being not |
| Jasper | | someone with higher risk factors such | | covered. |
| Lexington | | as a heart condition, cancer or | | |
| Spring Hill | | diabetes. Conversely, if you were | | |
| Spartanburg | | unhealthy when you acquired your | | |
| Santa Ana | | policy, and your health has now | | |
| Cambridge | | improved, it might be time to shop for | | |
| Ann Arbor | | a new policy, as your rates are likely | | |
| Columbia | | to be lower. | | |
