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| Mobile | | If you decide to cancel your policy | | Commission of Authority: A document |
| Omaha | | (after acquiring new coverage) | | outlining the powers delegated to an |
| Rochester | | outside of the 30-day period, you may | | agent by an insurer. |
| Lakeland | | have to pay a fee or penalty. | | |
| Washington | | However, you may still save money | | Agent's Qualification Law: Education, |
| Downey | | after paying the fee if your new policy | | experience, and other requirements |
| Marietta | | affords you significant savings. So | | imposed by the state upon persons |
| Houston | | while it is best to wait until your | | desiring to be licensed as agents. |
| Dothan | | receive your renewal notice, you CAN | | |
| Des Moines | | cancel your policy at any time. | | Provisional Rate: Tentative rates, |
| Sunnyvale | | | | premiums or commissions that are |
| Santa Ana | | If you have noticed that your auto | | subject to subsequent adjustment. |
| Toms River | | insurance rates are still increasing | | See Commission and Premium. |
| Gainesville | | with each renewal, or even have not | | |
| Johnson City | | gone down even though you have a | | Lapsed Policy: One which has been |
| Plano | | great driving record, this lower pricing | | allowed to expire because of |
| Bloomington | | trend makes it more important then | | nonpayment of premiums. |
| El Cajon | | ever that you shop around for auto | | |
| Indianapolis | | insurance. | | Premium Receipt: The receipt given |
| Joliet | | | | a policy owner for the payment of a |
| Cape Coral | | Healthy people have the best | | premium. |
| Youngstown | | mortality risks and thus are much | | |
| New Orleans | | cheaper for companies to insure. This | | Operating Expense: The expense of |
| Providence | | translates into lower rates for the | | an insurer other than commissions |
| Miami | | Super Preferred customer than | | and taxes. Called " and Insurance |
| Cape Coral | | someone with higher risk factors such | | Expense" in the convention statement |
| Whittier | | as a heart condition, cancer or | | blank. |
| Kalamazoo | | diabetes. Conversely, if you were | | |
| New York | | unhealthy when you acquired your | | Borderline Risk: An insurance |
| Sioux City | | policy, and your health has now | | prospect of doubtful quality from an |
| Hemet | | improved, it might be time to shop for | | underwriting point of view. |
| West Chester | | a new policy, as your rates are likely | | |
| Lansing | | to be lower. | | Domestic Insurer (or Company): An |
| San Diego | | | | insurer formed under the laws of the |
| Frederick | | | | state in which the insurance is written. |
