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| Cambridge | | Make sure you have a new policy in | | Liquidity: The ability of an insurer to |
| Warwick | | place before you cancel your old one | | convert its assets into cash to pay |
| Boca Raton | | to avoid a lapse in coverage. This will | | claims if necessary. |
| Albuquerque | | also prevent having to figure out the | | |
| Arlington | | amount of any unused premium that is | | Director of Insurance: A title used in |
| Jackson | | due to you from your old insurance | | some states for the head of the |
| Redlands | | company, or having to spar with your | | department of insurance. |
| Memphis | | agent about exactly when your policy | | |
| Columbus | | was cancelled and how much they | | Tariff Rate: A rate established by a |
| Fort Myers | | owe you. | | rating organization, which comes from |
| Fort Smith | | | | the tables, schedules and rules found |
| Tyler | | While some companies raise their | | in the tariff of rates. |
| Johnson City | | prices based on your actual age, | | |
| Malden | | most companies increase the price of | | Examiner: An employee assigned by |
| Carlsbad | | their policies six months before your | | the state insurance department to |
| San Bernardino | | birthday. Its a term called Age | | audit insurers' records. |
| Grand Junction | | Nearest in the industry, and that | | |
| Quincy | | half-year price increase could really | | Burning Ratio: The ratio of losses |
| Flushing | | add up over a 20-year term policy. As | | suffered to the amount of insurance in |
| Tyler | | above, the quicker you purchase your | | effect. |
| Turlock | | policy the better. | | |
| Boston | | | | Premises: The particular location of |
| Allentown | | The quickest and easiest way to | | property or a portion thereof as |
| San Diego | | shop for new insurance is by | | designated in a policy. |
| Orlando | | comparing rates at InsWebs online | | |
| Philadelphia | | marketplace. If you do it the | | Premium: The price of insurance |
| Alpharetta | | old-fashioned way (by calling or | | protection for a specified risk for a |
| Los Angeles | | visiting multiple agents or insurance | | specified period of time. |
| Knoxville | | companies) it could take up a huge | | |
| Bakersfield | | chunk of your time, which no one | | Sole Proprietorship: A business |
| Newport Beach | | wants or needs. By completing | | enterprise owned by one person who |
| Anderson | | InsWebs online application, you will | | is its manager and employee. |
| Sacramento | | have rates to compare to your old | | |
| Irving | | ones within minutes! | | Commercial Lines: This term is used |
| Rome | | | | to refer to insurance for businesses, |
| Lake Worth | | | | professionals, and commercial |
| Bay City | | | | establishments. |
