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| Scranton | | People who are trying to quit | | Sole Proprietorship: A business |
| Norfolk | | smoking, for example, might be best | | enterprise owned by one person who |
| Stockbridge | | suited purchasing a shorter term (and | | is its manager and employee. |
| Colorado Springs | | then replacing it with a longer term | | |
| Overland Park | | policy when they qualify for | | Agency: An insurance sales office |
| Lexington | | non-tobacco prices). | | which is directed by a agent, |
| Dothan | | | | manager, independent agent, or |
| Trenton | | While some companies raise their | | company manager. |
| Amarillo | | prices based on your actual age, | | |
| Englewood | | most companies increase the price of | | Malinger: To feign a disability for the |
| Fort Lauderdale | | their policies six months before your | | purpose of continuing to collect |
| Newport Beach | | birthday. Its a term called Age | | benefits longer than actually |
| Nashua | | Nearest in the industry, and that | | necessary. |
| Acworth | | half-year price increase could really | | |
| Tampa | | add up over a 20-year term policy. As | | Criticism: A correction suggested by a |
| Jackson | | above, the quicker you purchase your | | rating or auditing bureau to an insurer. |
| Jacksonville | | policy the better. | | |
| Cherry Hill | | | | Basic Rate: The manual rate from |
| Hendersonville | | At InsWeb, you can compare free | | which discounts are taken or to which |
| Jasper | | online insurance quotes from many of | | charges are added to reflect the |
| Green Bay | | the nations leading insurance | | individual circumstances of a risk. |
| Madison | | companies. | | |
| Scranton | | | | Agent's Qualification Law: Education, |
| Hemet | | Why not take advantage of current | | experience, and other requirements |
| Charleston | | low prices? Many auto insurance | | imposed by the state upon persons |
| Stockbridge | | consumers are becoming educated | | desiring to be licensed as agents. |
| Killeen | | on other companies, plans, and rates | | |
| Clinton Township | | that are available to them; ones that | | Nonassignable: A policy that the |
| Kingsport | | could afford them significant savings | | owner cannot assign to a third party. |
| Reno | | on their auto insurance. | | Most policies are nonassignable |
| Wichita Falls | | | | unless approval is given by the |
| Marietta | | The best time to switch policies is | | insurer. |
| Delray Beach | | within one month of receiving your | | |
| Jackson | | policy renewal from your current | | Partnership Entity: The partnership |
| Lansing | | insurer. You can typically cancel your | | considered as an entity and not in |
| West Palm Beach | | policy without any fees or penalties if | | terms of its individual part-owners. |
| Lawrenceville | | you act within this time period. | | |
