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| Mansfield | | Shopping around is the best way to | | Commingling: An illegal practice |
| Melbourne | | save money on your insurance. | | which occurs when an agent mixes |
| Portsmouth | | | | personal funds with the insured's or |
| Newark | | At InsWeb, you can compare free | | insurer's funds. |
| Denver | | online insurance quotes from many of | | |
| Grand Rapids | | the nations leading insurance | | You/Your: These words are used to |
| Aurora | | companies. | | refer to the named insured in many of |
| Fall River | | | | the modernized/personalized policy |
| Muncie | | If you have noticed that your auto | | forms. |
| Minneapolis | | insurance rates are still increasing | | |
| Roanoke | | with each renewal, or even have not | | Mutualization: The process of |
| Edison | | gone down even though you have a | | converting a stock insurer to a mutual |
| Greenville | | great driving record, this lower pricing | | insurer, accomplished by having the |
| Racine | | trend makes it more important then | | insurer buy stock and retire it. |
| Rochester | | ever that you shop around for auto | | |
| Salt Lake City | | insurance. | | Monoline Policy: Any insurance |
| Indianapolis | | | | coverage written as a single line |
| Honolulu | | Healthy people have the best | | policy. Contrast with Multiple Line or |
| Redlands | | mortality risks and thus are much | | Package policy. |
| Richmond | | cheaper for companies to insure. This | | |
| Naples | | translates into lower rates for the | | Short Rate Premium: The premium |
| Greensboro | | Super Preferred customer than | | required for issuing a policy for a |
| Abilene | | someone with higher risk factors such | | period less than its normal term. |
| Carlsbad | | as a heart condition, cancer or | | |
| Greeley | | diabetes. Conversely, if you were | | Basic Rate: The manual rate from |
| Dubuque | | unhealthy when you acquired your | | which discounts are taken or to which |
| Corona | | policy, and your health has now | | charges are added to reflect the |
| Naperville | | improved, it might be time to shop for | | individual circumstances of a risk. |
| Florissant | | a new policy, as your rates are likely | | |
| Cape Coral | | to be lower. | | Tabular Plan: A retrospective rating |
| Norfolk | | | | plan, which uses tables to furnish the |
| Dayton | | We offer quotes for auto insurance, | | various values for the rating formula. |
| Atlanta | | life insurance, homeowners | | |
| Memphis | | insurance, health insurance, term life | | Premium: The price of insurance |
| Racine | | insurance and more. | | protection for a specified risk for a |
| Amarillo | | | | specified period of time. |
