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| Spartanburg | | Why not take advantage of current | | Multi-Peril Policies: Policies which |
| Lowell | | low prices? Many auto insurance | | cover a number of perils, such as fire, |
| Fresno | | consumers are becoming educated | | burglary, and liability, in a single |
| Chandler | | on other companies, plans, and rates | | contract. |
| Mobile | | that are available to them; ones that | | |
| Charleston | | could afford them significant savings | | Indemnity: Restoration to the victim of |
| Acworth | | on their auto insurance. | | a loss by payment, repair, or |
| West Chester | | | | replacement. |
| Rochester | | If you have noticed that your auto | | |
| Long Island City | | insurance rates are still increasing | | Borderline Risk: An insurance |
| Lake Worth | | with each renewal, or even have not | | prospect of doubtful quality from an |
| Reno | | gone down even though you have a | | underwriting point of view. |
| Chicago | | great driving record, this lower pricing | | |
| Jackson | | trend makes it more important then | | National Auto Theft Bureau: An |
| Chicago | | ever that you shop around for auto | | organization engaged in the |
| Nashua | | insurance. | | prevention and reduction of motor |
| Hickory | | | | vehicle fire and theft losses. |
| Dallas | | Everyone has different needs, and | | |
| Milwaukee | | not one size fits all when it comes to | | Independent Agent: An agent |
| Eugene | | term life insurance. While it may make | | operating as an independent |
| Gaithersburg | | sense for people in their 30s and 40s | | contractor under the independent |
| Albany | | to secure a 20-year term length, a | | agency system. |
| Frederick | | 10-year term might be more | | |
| Clinton Township | | appropriate for someone nearing | | Retail Credit Company: The former |
| Aurora | | retirement. | | name of Equifax, a credit reporting |
| Killeen | | | | organization. See Equifax. |
| Reading | | If you decide to cancel your policy | | |
| Tempe | | (after acquiring new coverage) | | Open Rating: A system whereby a |
| Oxnard | | outside of the 30-day period, you may | | state allows an insurer to use rates |
| Augusta | | have to pay a fee or penalty. | | without prior approval. |
| St. Joseph | | However, you may still save money | | |
| Columbus | | after paying the fee if your new policy | | Valuation Clause: A clause stating the |
| Wichita Falls | | affords you significant savings. So | | value of items for insurance |
| Charleston | | while it is best to wait until your | | purposes, making it a valued policy. |
| Orange | | receive your renewal notice, you CAN | | |
| Council Bluffs | | cancel your policy at any time. | | |
