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| Savannah | | Healthy people have the best | | New For Old: Replacing old |
| Newburgh | | mortality risks and thus are much | | damaged parts or equipment with |
| Jackson | | cheaper for companies to insure. This | | new ones rather than repairing them. |
| Fayetteville | | translates into lower rates for the | | |
| Harrisburg | | Super Preferred customer than | | Burning Ratio: The ratio of losses |
| Rochester | | someone with higher risk factors such | | suffered to the amount of insurance in |
| Honolulu | | as a heart condition, cancer or | | effect. |
| Anderson | | diabetes. Conversely, if you were | | |
| Fredericksburg | | unhealthy when you acquired your | | Agency Company: An insurance |
| Quincy | | policy, and your health has now | | company that produces business |
| San Bernardino | | improved, it might be time to shop for | | through an agency network. Contrast |
| El Paso | | a new policy, as your rates are likely | | with Direct Writer. |
| Ocala | | to be lower. | | |
| Lafayette | | | | Monoline Policy: Any insurance |
| Wichita Falls | | The quickest and easiest way to | | coverage written as a single line |
| Albuquerque | | shop for new insurance is by | | policy. Contrast with Multiple Line or |
| Union | | comparing rates at InsWebs online | | Package policy. |
| Reno | | marketplace. If you do it the | | |
| Amarillo | | old-fashioned way (by calling or | | Examiner: An employee assigned by |
| Dearborn | | visiting multiple agents or insurance | | the state insurance department to |
| Albuquerque | | companies) it could take up a huge | | audit insurers' records. |
| Inglewood | | chunk of your time, which no one | | |
| Albany | | wants or needs. By completing | | Theory of Probability: The |
| Texarkana | | InsWebs online application, you will | | mathematical principle upon which |
| Warwick | | have rates to compare to your old | | insurance is based. |
| Huntsville | | ones within minutes! | | |
| Sunnyvale | | | | Premium Receipt: The receipt given |
| St. Louis | | Why not take advantage of current | | a policy owner for the payment of a |
| Flushing | | low prices? Many auto insurance | | premium. |
| Houma | | consumers are becoming educated | | |
| Flint | | on other companies, plans, and rates | | Countersignature: The signature of a |
| Boynton Beach | | that are available to them; ones that | | licensed agent or representative on a |
| Raleigh | | could afford them significant savings | | policy. |
| Killeen | | on their auto insurance. | | |
