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| Davenport | | While some companies raise their | | Short-Term Policy: A policy written for |
| Jacksonville | | prices based on your actual age, | | a period of less time than is normal for |
| Asheville | | most companies increase the price of | | that type of policy. |
| Grand Junction | | their policies six months before your | | |
| Henderson | | birthday. Its a term called Age | | Tariff Rate: A rate established by a |
| Winter Park | | Nearest in the industry, and that | | rating organization, which comes from |
| Overland Park | | half-year price increase could really | | the tables, schedules and rules found |
| Worcester | | add up over a 20-year term policy. As | | in the tariff of rates. |
| Norwalk | | above, the quicker you purchase your | | |
| Sterling Heights | | policy the better. | | Notice To Company: Written notice to |
| Bloomington | | | | an insurer of the occurrence of an |
| Malden | | At InsWeb, you can compare free | | event which a claim is to be based. |
| Redlands | | online insurance quotes from many of | | |
| Asheville | | the nations leading insurance | | Domestic Insurer (or Company): An |
| Tyler | | companies. | | insurer formed under the laws of the |
| Fort Worth | | | | state in which the insurance is written. |
| Fairfax | | Why not take advantage of current | | |
| Jackson | | low prices? Many auto insurance | | Claim Expense: The expense of |
| Jersey City | | consumers are becoming educated | | adjusting a claim, such as |
| Canton | | on other companies, plans, and rates | | investigation and attorneys' fees. It |
| Kingsport | | that are available to them; ones that | | does not include the cost of the claim |
| Owensboro | | could afford them significant savings | | itself. |
| Peoria | | on their auto insurance. | | |
| Poughkeepsie | | | | Accidental Bodily Injury: An injury |
| Philadelphia | | People who are trying to quit | | sustained accidentally. Only the result |
| Walnut Creek | | smoking, for example, might be best | | need be accidental. Contrast with |
| Portland | | suited purchasing a shorter term (and | | Accidental Means. |
| Hollywood | | then replacing it with a longer term | | |
| Johnstown | | policy when they qualify for | | Multi-Peril Policies: Policies which |
| Springfield | | non-tobacco prices). | | cover a number of perils, such as fire, |
| Las Cruces | | | | burglary, and liability, in a single |
| Cherry Hill | | Make sure you have a new policy in | | contract. |
| Newport Beach | | place before you cancel your old one | | |
| Grand Prairie | | to avoid a lapse in coverage. This will | | Brokerage Department: A department |
| St. Louis | | also prevent having to figure out the | | of an insurer whose purpose is to |
| Columbus | | amount of any unused premium that is | | deal with brokers in the placing of |
| Orlando | | due to you from your old insurance | | insurance. |
| Springfield | | company, or having to spar with your | | |
| Lima | | agent about exactly when your policy | | |
| Bloomington | | was cancelled and how much they | | |
| Cranston | | owe you. | | |
