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| Decatur | | Shopping around is the best way to | | Net Retention: The amount of |
| Fort Myers | | save money on your insurance. | | insurance that a ceding company |
| Hot Springs | | | | keeps for its own account and does |
| Lawton | | Individuals who have 30-year | | not reinsure. |
| Duluth | | mortgages might want to consider a | | |
| Dearborn | | 30-year term to ensure that the house | | Federal Deposit Insurance |
| Honolulu | | is protected throughout the period of | | Corporation (FDIC): An agency of the |
| Cherry Hill | | the loan. | | federal government which insures |
| Torrance | | | | bank deposits up to a stated |
| Metairie | | If you have noticed that your auto | | maximum. |
| Honolulu | | insurance rates are still increasing | | |
| New Orleans | | with each renewal, or even have not | | Exclusion: A contractual provision that |
| Jackson | | gone down even though you have a | | denies coverage for certain perils, |
| Decatur | | great driving record, this lower pricing | | persons, property, or locations. |
| Madison | | trend makes it more important then | | |
| Newport News | | ever that you shop around for auto | | Agency: An insurance sales office |
| Waterloo | | insurance. | | which is directed by a agent, |
| Odessa | | | | manager, independent agent, or |
| Fall River | | While some companies raise their | | company manager. |
| Irvine | | prices based on your actual age, | | |
| St. Joseph | | most companies increase the price of | | Sole Proprietorship: A business |
| Irving | | their policies six months before your | | enterprise owned by one person who |
| Midland | | birthday. Its a term called Age | | is its manager and employee. |
| Rochester | | Nearest in the industry, and that | | |
| Dallas | | half-year price increase could really | | Lloyd's Broker: A person who has the |
| Santa Rosa | | add up over a 20-year term policy. As | | authority to negotiate insurance |
| Bloomington | | above, the quicker you purchase your | | contracts with the underwriters on the |
| Morristown | | policy the better. | | floor at Lloyd's. |
