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| Colorado Springs | | The quickest and easiest way to | | Nonassignable: A policy that the |
| Kalamazoo | | shop for new insurance is by | | owner cannot assign to a third party. |
| Wichita | | comparing rates at InsWebs online | | Most policies are nonassignable |
| Arlington | | marketplace. If you do it the | | unless approval is given by the |
| Anaheim | | old-fashioned way (by calling or | | insurer. |
| Huntington Beach | | visiting multiple agents or insurance | | |
| Baton Rouge | | companies) it could take up a huge | | Net Retention: The amount of |
| Fremont | | chunk of your time, which no one | | insurance that a ceding company |
| Columbia | | wants or needs. By completing | | keeps for its own account and does |
| Dayton | | InsWebs online application, you will | | not reinsure. |
| Richmond | | have rates to compare to your old | | |
| Fall River | | ones within minutes! | | Initial Premium: An amount paid at the |
| Memphis | | | | inception of an insurance contract, |
| Jacksonville | | If you decide to cancel your policy | | usually subject to adjustment at the |
| Canton | | (after acquiring new coverage) | | end of the policy period. |
| Las Vegas | | outside of the 30-day period, you may | | |
| Boca Raton | | have to pay a fee or penalty. | | Fiduciary: A person holding the funds |
| Longview | | However, you may still save money | | or property of another in a position of |
| Sumter | | after paying the fee if your new policy | | trust. An example would be the |
| Harrisburg | | affords you significant savings. So | | executor of an estate. |
| Raleigh | | while it is best to wait until your | | |
| Jacksonville | | receive your renewal notice, you CAN | | Agency: An insurance sales office |
| Coral Springs | | cancel your policy at any time. | | which is directed by a agent, |
| Louisville | | | | manager, independent agent, or |
| Orange | | If you have noticed that your auto | | company manager. |
| Hot Springs | | insurance rates are still increasing | | |
| Downey | | with each renewal, or even have not | | Business: In Property, Liability, and |
| Scranton | | gone down even though you have a | | Health lines, it usually refers to the |
| Charlotte | | great driving record, this lower pricing | | volume of premiums. |
| Fall River | | trend makes it more important then | | |
| Macon | | ever that you shop around for auto | | Multi-Peril Policies: Policies which |
| Jackson | | insurance. | | cover a number of perils, such as fire, |
| Longmont | | | | burglary, and liability, in a single |
| Tulsa | | Everyone has different needs, and | | contract. |
| Lawton | | not one size fits all when it comes to | | |
| Knoxville | | term life insurance. While it may make | | |
| Hickory | | sense for people in their 30s and 40s | | |
| Boca Raton | | to secure a 20-year term length, a | | |
| Harlingen | | 10-year term might be more | | |
| Virginia Beach | | appropriate for someone nearing | | |
| Springfield | | retirement. | | |
