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| Fort Lauderdale | | The best time to switch policies is | | Short-Term Policy: A policy written for |
| Winter Haven | | within one month of receiving your | | a period of less time than is normal for |
| Montgomery | | policy renewal from your current | | that type of policy. |
| Waterloo | | insurer. You can typically cancel your | | |
| Stockbridge | | policy without any fees or penalties if | | Cut Rate: This term generally applies |
| Winter Haven | | you act within this time period. | | to insurance companies who charge |
| San Antonio | | | | premiums below a normal or average |
| Tulsa | | Healthy people have the best | | rate. |
| Mesquite | | mortality risks and thus are much | | |
| Riverside | | cheaper for companies to insure. This | | Malicious Mischief: Similar to |
| Thousand Oaks | | translates into lower rates for the | | vandalism. Purposely damaging the |
| Lawrenceville | | Super Preferred customer than | | rights or property of another. |
| Roanoke | | someone with higher risk factors such | | |
| Toledo | | as a heart condition, cancer or | | Claim Report: A report filed by an |
| Nashville | | diabetes. Conversely, if you were | | agent setting forth the facts of a claim. |
| Lima | | unhealthy when you acquired your | | Same as Loss Report. |
| Yonkers | | policy, and your health has now | | |
| Florissant | | improved, it might be time to shop for | | Not Taken: Policies applied for and |
| Berkeley | | a new policy, as your rates are likely | | issued but rejected by the proposed |
| Woodbridge | | to be lower. | | owner and not paid for. |
