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| Aurora | | People who are trying to quit | | Cut Rate: This term generally applies |
| Spokane | | smoking, for example, might be best | | to insurance companies who charge |
| Chattanooga | | suited purchasing a shorter term (and | | premiums below a normal or average |
| Albany | | then replacing it with a longer term | | rate. |
| Oceanside | | policy when they qualify for | | |
| Jackson | | non-tobacco prices). | | Deductible: The portion of an insured |
| Vineland | | | | loss to be borne by the insured |
| Allentown | | Why not take advantage of current | | before he is entitled to recovery from |
| Bethlehem | | low prices? Many auto insurance | | the insurer. |
| Lake Worth | | consumers are becoming educated | | |
| Muskegon | | on other companies, plans, and rates | | Agency Contract (or Agreement): The |
| Alameda | | that are available to them; ones that | | document which establishes the legal |
| Wichita Falls | | could afford them significant savings | | relationship between an agent and an |
| Fort Worth | | on their auto insurance. | | insurer. |