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| Santa Barbara | | Make sure you have a new policy in | | Time Limits: The limits of time within |
| Bloomington | | place before you cancel your old one | | which notice of a claim and proof of a |
| Racine | | to avoid a lapse in coverage. This will | | loss must be submitted. |
| Thousand Oaks | | also prevent having to figure out the | | |
| Milwaukee | | amount of any unused premium that is | | Professional Insurance Agents |
| Downey | | due to you from your old insurance | | Association: A trade association of |
| Newark | | company, or having to spar with your | | mutual insurance agents. |
| Spokane | | agent about exactly when your policy | | |
| Vineland | | was cancelled and how much they | | Short Rate Premium: The premium |
| Fort Wayne | | owe you. | | required for issuing a policy for a |
| Peoria | | | | period less than its normal term. |
| Kansas City | | If you have noticed that your auto | | |
| Baltimore | | insurance rates are still increasing | | Agency: An insurance sales office |
| Woodbridge | | with each renewal, or even have not | | which is directed by a agent, |
| Denver | | gone down even though you have a | | manager, independent agent, or |
| Williamsburg | | great driving record, this lower pricing | | company manager. |
| Chula Vista | | trend makes it more important then | | |
| Omaha | | ever that you shop around for auto | | Underinsurance: A condition in which |
| Norwalk | | insurance. | | not enough insurance is carried to |
| Pasadena | | | | cover the insurable value. |
| Gaithersburg | | Shopping around is the best way to | | |
| Carlsbad | | save money on your insurance. | | Sherman Antitrust Act: An antitrust law |
| Naples | | | | from which insurance is exempted to |
| Monroe | | Healthy people have the best | | the extent that it is regulated by state |
| Spokane | | mortality risks and thus are much | | law. |
| Ocala | | cheaper for companies to insure. This | | |
| Anderson | | translates into lower rates for the | | Buy-Back" Deductible: A deductible |
| Trenton | | Super Preferred customer than | | which may be eliminated for an |
| Fall River | | someone with higher risk factors such | | additional premium in order to |
| Eugene | | as a heart condition, cancer or | | provide "first-dollar" coverage. |
| Arlington | | diabetes. Conversely, if you were | | |
| Littleton | | unhealthy when you acquired your | | Criticism: A correction suggested by a |
| Panama City | | policy, and your health has now | | rating or auditing bureau to an insurer. |
| Warren | | improved, it might be time to shop for | | |
| Atlanta | | a new policy, as your rates are likely | | |
| Hollywood | | to be lower. | | |
