Co-pay: Term often used in health care, insurance covers part of the cost and you pay the rest. Seeing in this situation you are paying for the insurance itself, the term is not correct.
Deductible: An insurance term for when you have to pay a certain amount before insurance will cover the rest.
Premium: A fee payed by the insured (Jan) to be covered. This is my best guess for your answer.
Claim: A claim is when Jan would request the insurance company to reimburse her after a car accident (or her tires got slashed, etc.)
