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| Portland | | Shopping around is the best way to | | Lloyd's Broker: A person who has the |
| Cranston | | save money on your insurance. | | authority to negotiate insurance |
| Lima | | | | contracts with the underwriters on the |
| Waterloo | | While some companies raise their | | floor at Lloyd's. |
| Stamford | | prices based on your actual age, | | |
| Raleigh | | most companies increase the price of | | Appraisal: An evaluation of property |
| San Francisco | | their policies six months before your | | made to ascertain either the |
| Alexandria | | birthday. Its a term called Age | | appropriate amount of insurance to |
| New York | | Nearest in the industry, and that | | be written or the amount of loss to be |
| West Chester | | half-year price increase could really | | paid. |
| Lawton | | add up over a 20-year term policy. As | | |
| Owensboro | | above, the quicker you purchase your | | Broker of Record: A broker who has |
| Chula Vista | | policy the better. | | been designated to handle certain |
| Rockford | | | | insurance contracts for the |
| Tulsa | | At InsWeb, you can compare free | | policyholder. |
| Downey | | online insurance quotes from many of | | |
| Las Cruces | | the nations leading insurance | | Professional Insurance Agents |
| Columbia | | companies. | | Association: A trade association of |
| Houma | | | | mutual insurance agents. |
| Cypress | | People who are trying to quit | | |
| Turlock | | smoking, for example, might be best | | Captive Agent: One who sells |
| Duluth | | suited purchasing a shorter term (and | | insurance for only one company as |
| Metairie | | then replacing it with a longer term | | opposed to an agent who represents |
| Denton | | policy when they qualify for | | several companies. |
| Lexington | | non-tobacco prices). | | |
| Quincy | | | | Admitted (or Allowed) Assets: Assets |
| Columbus | | Make sure you have a new policy in | | whose values are permitted by state |
| Quincy | | place before you cancel your old one | | law to be included in the annual |
| Peoria | | to avoid a lapse in coverage. This will | | statement of the insurer. |
| Lubbock | | also prevent having to figure out the | | |
| Texarkana | | amount of any unused premium that is | | Brick Veneer Construction: Refers to |
| Goldsboro | | due to you from your old insurance | | a building where the outside walls are |
| Flint | | company, or having to spar with your | | constructed of wood with a facing of a |
| Conroe | | agent about exactly when your policy | | single layer of brick. |
| Lafayette | | was cancelled and how much they | | |
| Springfield | | owe you. | | |