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Child Only- A child only policy would exclude parents from coverage and only cover the children listed on the plan.
Date of Birth- Insurance companies use this number to guess how many years you have been driving and associate this with more experience and less risk.
Network- A group of medical professionals that works with the insurance company. Doctors and other medical services used must be within this network for insurance coverage.
Premium- This is the standard way to pay for insurance. You will make payments on a regular basis: monthly, quarterly, yearly.
Risk- An evaluation of how much an insurance company thinks its going to pay out to a policyholder. If you have high risk, the premium will be higher and if you have low risk, the premium will be lower. Almost every question on an insurance quote is factored into how risky you will be to insure.
Tobacco Use- The use of nicotine products increases risk.