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| Inglewood | | If you have noticed that your auto | | Deductible: The portion of an insured |
| Lubbock | | insurance rates are still increasing | | loss to be borne by the insured |
| Harlingen | | with each renewal, or even have not | | before he is entitled to recovery from |
| Thousand Oaks | | gone down even though you have a | | the insurer. |
| Oklahoma City | | great driving record, this lower pricing | | |
| Huntington Beach | | trend makes it more important then | | First Party Insurance: Insurance which |
| Ocala | | ever that you shop around for auto | | applies to coverage for the insured's |
| Columbia | | insurance. | | own property or person. Contrast with |
| Fayetteville | | | | Third Party Insurance. |
| Chesapeake | | Individuals who have 30-year | | |
| Johnson City | | mortgages might want to consider a | | Nonassignable: A policy that the |
| Alpharetta | | 30-year term to ensure that the house | | owner cannot assign to a third party. |
| Carlsbad | | is protected throughout the period of | | Most policies are nonassignable |
| York | | the loan. | | unless approval is given by the |
| Hollywood | | | | insurer. |
| Duluth | | Make sure you have a new policy in | | |
| Bayside | | place before you cancel your old one | | Renewal: The reestablishment of the |
| Youngstown | | to avoid a lapse in coverage. This will | | in-force status of a policy, the term of |
| Tacoma | | also prevent having to figure out the | | which has expired or will expire |
| Winter Park | | amount of any unused premium that is | | unless it is renewed. |
| Columbus | | due to you from your old insurance | | |
| Gainesville | | company, or having to spar with your | | Retail Credit Company: The former |
| South Bend | | agent about exactly when your policy | | name of Equifax, a credit reporting |
| Lubbock | | was cancelled and how much they | | organization. See Equifax. |
| Wichita Falls | | owe you. | | |
| Newport Beach | | | | Director of Insurance: A title used in |
| Bronx | | Healthy people have the best | | some states for the head of the |
| Tampa | | mortality risks and thus are much | | department of insurance. |
| Green Bay | | cheaper for companies to insure. This | | |
| Vancouver | | translates into lower rates for the | | Paid-In Surplus: Surplus paid in by |
| Flushing | | Super Preferred customer than | | stockholders, as contrasted with |
| Glendale | | someone with higher risk factors such | | surplus earned through the |
| Dearborn | | as a heart condition, cancer or | | operations of a business. |
| Downey | | diabetes. Conversely, if you were | | |
| Miami | | unhealthy when you acquired your | | |
| Mountain View | | policy, and your health has now | | |
| Hot Springs | | improved, it might be time to shop for | | |
| Denton | | a new policy, as your rates are likely | | |
| Schaumburg | | to be lower. | | |
