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| Lakeland | | Healthy people have the best | | Cash Flow Underwriting: The use of |
| Denton | | mortality risks and thus are much | | rating and premium collection |
| Ann Arbor | | cheaper for companies to insure. This | | techniques by insurance companies |
| Wilmington | | translates into lower rates for the | | to maximize interest earnings on |
| Lafayette | | Super Preferred customer than | | premiums. |
| Decatur | | someone with higher risk factors such | | |
| Berkeley | | as a heart condition, cancer or | | First Party Insurance: Insurance which |
| Lake Charles | | diabetes. Conversely, if you were | | applies to coverage for the insured's |
| Garland | | unhealthy when you acquired your | | own property or person. Contrast with |
| Flushing | | policy, and your health has now | | Third Party Insurance. |
| Eugene | | improved, it might be time to shop for | | |
| Greenville | | a new policy, as your rates are likely | | Short Rate Premium: The premium |
| Palm Desert | | to be lower. | | required for issuing a policy for a |
| Harlingen | | | | period less than its normal term. |
| Henderson | | If you decide to cancel your policy | | |
| Dothan | | (after acquiring new coverage) | | Nonadmitted Insurer: An insurer not |
| Kalamazoo | | outside of the 30-day period, you may | | licensed to do business in the |
| Palm Harbor | | have to pay a fee or penalty. | | jurisdiction in question. Same as |
| Toms River | | However, you may still save money | | Unauthorized Insurer and Unlicensed |
| Franklin | | after paying the fee if your new policy | | Insurer. |
| Minneapolis | | affords you significant savings. So | | |
| Rochester | | while it is best to wait until your | | Building Code: This refers to |
| Bakersfield | | receive your renewal notice, you CAN | | municipal or other governmental |
| Bloomington | | cancel your policy at any time. | | ordinances regulating the type of |
| Erie | | | | construction of buildings within its |
| Oceanside | | If you have noticed that your auto | | jurisdiction. |
| Fresno | | insurance rates are still increasing | | |
| Ocala | | with each renewal, or even have not | | Minimum Premium: The smallest |
| Wilmington | | gone down even though you have a | | amount of premium for which an |
| Fort Myers | | great driving record, this lower pricing | | insurer will issue coverage under a |
| Boston | | trend makes it more important then | | given policy. |
| Evanston | | ever that you shop around for auto | | |
| Zanesville | | insurance. | | Shock Loss: A catastrophic loss so |
| Walnut Creek | | | | large that it has a material effect on |
| Philadelphia | | | | the underwriting results of a company. |
