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| Lake Charles | | Shopping around is the best way to | | Sherman Antitrust Act: An antitrust law |
| Hollywood | | save money on your insurance. | | from which insurance is exempted to |
| Wichita Falls | | | | the extent that it is regulated by state |
| Long Beach | | If you have noticed that your auto | | law. |
| Portland | | insurance rates are still increasing | | |
| Minneapolis | | with each renewal, or even have not | | Liabilities: Money owed or expected |
| Houston | | gone down even though you have a | | to be owed. Insurance company |
| Dayton | | great driving record, this lower pricing | | financial statements, for instance, |
| Owensboro | | trend makes it more important then | | show assets and liabilities. |
| Durham | | ever that you shop around for auto | | |
| Decatur | | insurance. | | Foreign Insurer: An insurer domiciled |
| Johnson City | | | | in a state of the United States other |
| Vancouver | | People who are trying to quit | | than the one in which the insured's |
| Little Rock | | smoking, for example, might be best | | insurance is written. |
| Olympia | | suited purchasing a shorter term (and | | |
| Cincinnati | | then replacing it with a longer term | | Cut Rate: This term generally applies |
| Toledo | | policy when they qualify for | | to insurance companies who charge |
| Lake Worth | | non-tobacco prices). | | premiums below a normal or average |
| Peoria | | | | rate. |
| Colorado Springs | | Healthy people have the best | | |
| Dothan | | mortality risks and thus are much | | Preferred Risk: Any risk considered |
| Littleton | | cheaper for companies to insure. This | | to be better than the standard risk on |
| Spokane | | translates into lower rates for the | | which the premium rate was |
| San Francisco | | Super Preferred customer than | | calculated. |
| Rochester | | someone with higher risk factors such | | |
| Evanston | | as a heart condition, cancer or | | Domestic Insurer (or Company): An |
| Biloxi | | diabetes. Conversely, if you were | | insurer formed under the laws of the |
| Tyler | | unhealthy when you acquired your | | state in which the insurance is written. |
| Livonia | | policy, and your health has now | | |
| Indianapolis | | improved, it might be time to shop for | | Absolute Assignment: Assignment by |
| Inglewood | | a new policy, as your rates are likely | | a policy owner of all control of and |
| Chicago | | to be lower. | | rights in the policy to a third party. |
