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| Duluth | | Shopping around is the best way to | | Minimum Premium: The smallest |
| Baton Rouge | | save money on your insurance. | | amount of premium for which an |
| Kalamazoo | | | | insurer will issue coverage under a |
| Rapid City | | We offer quotes for auto insurance, | | given policy. |
| Council Bluffs | | life insurance, homeowners | | |
| Lake Worth | | insurance, health insurance, term life | | Deficit Carried Forward: The transfer |
| Pittsburgh | | insurance and more. | | of a debit balance from one |
| High Point | | | | accounting period to another. |
| Spring Hill | | Make sure you have a new policy in | | |
| New Port Richey | | place before you cancel your old one | | Authorized Insurer: An insurer |
| Charleston | | to avoid a lapse in coverage. This will | | authorized by the state to transact |
| Durham | | also prevent having to figure out the | | business in that state for specific |
| Chattanooga | | amount of any unused premium that is | | types of insurance. |
| Fredericksburg | | due to you from your old insurance | | |
| Honolulu | | company, or having to spar with your | | Criticism: A correction suggested by a |
| Cypress | | agent about exactly when your policy | | rating or auditing bureau to an insurer. |
| Coral Springs | | was cancelled and how much they | | |
| White Plains | | owe you. | | Collusion: An agreement, usually |
| Daytona Beach | | | | secret, between two or more persons |
| Johnstown | | People who are trying to quit | | to defraud or deprive another or |
| Dallas | | smoking, for example, might be best | | others of their property or rights. |
| Panama City | | suited purchasing a shorter term (and | | |
| Staten Island | | then replacing it with a longer term | | Not Taken: Policies applied for and |
| Atlanta | | policy when they qualify for | | issued but rejected by the proposed |
| Scranton | | non-tobacco prices). | | owner and not paid for. |
