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| Pensacola | | If you have noticed that your auto | | Lapsed Policy: One which has been |
| Johnstown | | insurance rates are still increasing | | allowed to expire because of |
| Oklahoma City | | with each renewal, or even have not | | nonpayment of premiums. |
| Charlotte | | gone down even though you have a | | |
| Henderson | | great driving record, this lower pricing | | Retail Credit Company: The former |
| Johnstown | | trend makes it more important then | | name of Equifax, a credit reporting |
| Rome | | ever that you shop around for auto | | organization. See Equifax. |
| Fort Lauderdale | | insurance. | | |
| Youngstown | | | | Lloyd's Broker: A person who has the |
| Newark | | Shopping around is the best way to | | authority to negotiate insurance |
| Lafayette | | save money on your insurance. | | contracts with the underwriters on the |
| San Diego | | | | floor at Lloyd's. |
| Louisville | | Individuals who have 30-year | | |
| Las Vegas | | mortgages might want to consider a | | Book Value: Refers to the value of |
| High Point | | 30-year term to ensure that the house | | assets as shown in the official |
| Dallas | | is protected throughout the period of | | accounting records of the company. |
| Longview | | the loan. | | |
| Turlock | | | | Underwriters Laboratories, Inc. (UL): A |
| Corona | | People who are trying to quit | | testing laboratory for manufactured |
| Fresno | | smoking, for example, might be best | | items to determine their safety |
| Reno | | suited purchasing a shorter term (and | | propensities. |
| Marietta | | then replacing it with a longer term | | |
| New York | | policy when they qualify for | | Claim: A demand made by the |
| Durham | | non-tobacco prices). | | insured, or the insured's beneficiary, |
| Richmond | | | | for payment of the benefits provided |
| Fayetteville | | While some companies raise their | | by the contract. |
| Henderson | | prices based on your actual age, | | |
| San Francisco | | most companies increase the price of | | Accident: An unplanned event, |
| Wichita | | their policies six months before your | | unexpected and undesigned, which |
| St. Joseph | | birthday. Its a term called Age | | occurs suddenly and at a definite |
| Fremont | | Nearest in the industry, and that | | place. |
| Sioux City | | half-year price increase could really | | |
| Anderson | | add up over a 20-year term policy. As | | Gross Premium: The net premium |
| Inglewood | | above, the quicker you purchase your | | plus operating expenses, |
| Fremont | | policy the better. | | commissions and other expenses. |
