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| Chula Vista | | The quickest and easiest way to | | Authorized Insurer: An insurer |
| Alpharetta | | shop for new insurance is by | | authorized by the state to transact |
| Morristown | | comparing rates at InsWebs online | | business in that state for specific |
| New Orleans | | marketplace. If you do it the | | types of insurance. |
| Newark | | old-fashioned way (by calling or | | |
| Eugene | | visiting multiple agents or insurance | | Basic Rate: The manual rate from |
| Fredericksburg | | companies) it could take up a huge | | which discounts are taken or to which |
| Omaha | | chunk of your time, which no one | | charges are added to reflect the |
| Warwick | | wants or needs. By completing | | individual circumstances of a risk. |
| Huntington | | InsWebs online application, you will | | |
| Columbus | | have rates to compare to your old | | Professional Insurance Agents |
| Norfolk | | ones within minutes! | | Association: A trade association of |
| Sioux Falls | | | | mutual insurance agents. |
| Waco | | If you decide to cancel your policy | | |
| Stockbridge | | (after acquiring new coverage) | | Lloyd's Broker: A person who has the |
| Boynton Beach | | outside of the 30-day period, you may | | authority to negotiate insurance |
| Fort Wayne | | have to pay a fee or penalty. | | contracts with the underwriters on the |
| Vineland | | However, you may still save money | | floor at Lloyd's. |
| Orange | | after paying the fee if your new policy | | |
| Irvine | | affords you significant savings. So | | Claim Report: A report filed by an |
| Rome | | while it is best to wait until your | | agent setting forth the facts of a claim. |
| Athens | | receive your renewal notice, you CAN | | Same as Loss Report. |
| Florence | | cancel your policy at any time. | | |
| Asheville | | | | Interline Endorsement: Commercial |
| Columbia | | Everyone has different needs, and | | endorsements that apply, or could |
| Owensboro | | not one size fits all when it comes to | | apply, to more than one coverage |
| Detroit | | term life insurance. While it may make | | part of a package policy. |
| Raleigh | | sense for people in their 30s and 40s | | |
| Palo Alto | | to secure a 20-year term length, a | | Interstate Carrier: A transportation |
| Salt Lake City | | 10-year term might be more | | company which does business |
| Vero Beach | | appropriate for someone nearing | | across state lines. |
| Topeka | | retirement. | | |
| Springfield | | | | Tariff Rate: A rate established by a |
| Texarkana | | Make sure you have a new policy in | | rating organization, which comes from |
| Woodbridge | | place before you cancel your old one | | the tables, schedules and rules found |
| Fredericksburg | | to avoid a lapse in coverage. This will | | in the tariff of rates. |
| Duluth | | also prevent having to figure out the | | |
| Poughkeepsie | | amount of any unused premium that is | | |
| Irvine | | due to you from your old insurance | | |
| Rockford | | company, or having to spar with your | | |
| Oakland | | agent about exactly when your policy | | |
| Louisville | | was cancelled and how much they | | |
| Phoenix | | owe you. | | |
