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| Grand Junction | | Healthy people have the best | | Other Insurance: The existence of |
| Franklin | | mortality risks and thus are much | | other contracts covering the same |
| Westbury | | cheaper for companies to insure. This | | interest and perils. |
| Longwood | | translates into lower rates for the | | |
| Honolulu | | Super Preferred customer than | | Incurred Expense: Expenses not yet |
| Jackson | | someone with higher risk factors such | | paid. Can also include paid |
| Oceanside | | as a heart condition, cancer or | | expenses in some accounting |
| Beaumont | | diabetes. Conversely, if you were | | systems. |
| Hattiesburg | | unhealthy when you acquired your | | |
| Greeley | | policy, and your health has now | | Liquidity: The ability of an insurer to |
| Alameda | | improved, it might be time to shop for | | convert its assets into cash to pay |
| Baton Rouge | | a new policy, as your rates are likely | | claims if necessary. |
| Lawton | | to be lower. | | |
| Charleston | | | | Tariff Rate: A rate established by a |
| White Plains | | Individuals who have 30-year | | rating organization, which comes from |
| White Plains | | mortgages might want to consider a | | the tables, schedules and rules found |
| Toms River | | 30-year term to ensure that the house | | in the tariff of rates. |
| Hot Springs | | is protected throughout the period of | | |
| Pensacola | | the loan. | | Preferred Risk: Any risk considered |
| Nashua | | | | to be better than the standard risk on |
| Fort Lauderdale | | Why not take advantage of current | | which the premium rate was |
| Texarkana | | low prices? Many auto insurance | | calculated. |
| Cape Coral | | consumers are becoming educated | | |
| Owensboro | | on other companies, plans, and rates | | License: A certification of authority for |
| Newark | | that are available to them; ones that | | an agent or insurer to operate, given |
| Columbus | | could afford them significant savings | | by the appropriate jurisdiction. |
| Alameda | | on their auto insurance. | | |
| Chandler | | | | Producer: A term applied to an agent, |
| Palm Desert | | The quickest and easiest way to | | solicitor or other person who sells |
| Turlock | | shop for new insurance is by | | insurance. |
| Charleston | | comparing rates at InsWebs online | | |
| Bellevue | | marketplace. If you do it the | | Accident: An unplanned event, |
| Cleveland | | old-fashioned way (by calling or | | unexpected and undesigned, which |
| Portland | | visiting multiple agents or insurance | | occurs suddenly and at a definite |
| Killeen | | companies) it could take up a huge | | place. |
| Columbia | | chunk of your time, which no one | | |
| Oxnard | | wants or needs. By completing | | |
| Cedar Rapids | | InsWebs online application, you will | | |
| Dayton | | have rates to compare to your old | | |
| Plano | | ones within minutes! | | |
