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| Houma | | People who are trying to quit | | Sole Proprietorship: A business |
| Cape Coral | | smoking, for example, might be best | | enterprise owned by one person who |
| Rochester | | suited purchasing a shorter term (and | | is its manager and employee. |
| Fort Worth | | then replacing it with a longer term | | |
| Scottsdale | | policy when they qualify for | | Nonassignable: A policy that the |
| Edmond | | non-tobacco prices). | | owner cannot assign to a third party. |
| St. Joseph | | | | Most policies are nonassignable |
| Irving | | Why not take advantage of current | | unless approval is given by the |
| Mountain View | | low prices? Many auto insurance | | insurer. |
| Gainesville | | consumers are becoming educated | | |
| Sacramento | | on other companies, plans, and rates | | Open Rating: A system whereby a |
| Allentown | | that are available to them; ones that | | state allows an insurer to use rates |
| Austin | | could afford them significant savings | | without prior approval. |
| Quincy | | on their auto insurance. | | |
| Nashua | | | | Underinsurance: A condition in which |
| Omaha | | If you have noticed that your auto | | not enough insurance is carried to |
| Clarksville | | insurance rates are still increasing | | cover the insurable value. |
| New Orleans | | with each renewal, or even have not | | |
| Thousand Oaks | | gone down even though you have a | | Indemnity: Restoration to the victim of |
| Norfolk | | great driving record, this lower pricing | | a loss by payment, repair, or |
| Fayetteville | | trend makes it more important then | | replacement. |
| Olympia | | ever that you shop around for auto | | |
| Huntington Beach | | insurance. | | Interstate Carrier: A transportation |
| Athens | | | | company which does business |
| Canton | | The best time to switch policies is | | across state lines. |
| Tucson | | within one month of receiving your | | |
| Reading | | policy renewal from your current | | Tickler: A reminder system used to |
| Youngstown | | insurer. You can typically cancel your | | call an individual's attention to actions |
| Evansville | | policy without any fees or penalties if | | that must be taken at a future point in |
| Muskegon | | you act within this time period. | | time. |