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| Lansing | | If you have noticed that your auto | | Overlapping Insurance: Coverage |
| Lansing | | insurance rates are still increasing | | from two or more policies or insurers |
| Delray Beach | | with each renewal, or even have not | | which duplicates coverage of certain |
| Rockford | | gone down even though you have a | | risks. |
| Pembroke Pines | | great driving record, this lower pricing | | |
| Toms River | | trend makes it more important then | | Preferred Risk: Any risk considered |
| Slidell | | ever that you shop around for auto | | to be better than the standard risk on |
| Lakeland | | insurance. | | which the premium rate was |
| Jackson | | | | calculated. |
| Philadelphia | | The quickest and easiest way to | | |
| Fayetteville | | shop for new insurance is by | | Valuation Clause: A clause stating the |
| Memphis | | comparing rates at InsWebs online | | value of items for insurance |
| Gaithersburg | | marketplace. If you do it the | | purposes, making it a valued policy. |
| Schenectady | | old-fashioned way (by calling or | | |
| Spartanburg | | visiting multiple agents or insurance | | Society of Insurance Research: An |
| High Point | | companies) it could take up a huge | | organization which encourages |
| Akron | | chunk of your time, which no one | | insurance research and promotes the |
| Denton | | wants or needs. By completing | | exchange of ideas and methods of |
| Salt Lake City | | InsWebs online application, you will | | research. |
| Jersey City | | have rates to compare to your old | | |
| Marietta | | ones within minutes! | | Net Loss: The amount of loss |
| Whittier | | | | sustained by an insurer after giving |
| Garland | | People who are trying to quit | | effect to all applicable reinsurance, |
| Gainesville | | smoking, for example, might be best | | salvage, and subrogation recoveries. |
| Jackson | | suited purchasing a shorter term (and | | |
| St. Louis | | then replacing it with a longer term | | Insurance to Value: Insurance written |
| Monroe | | policy when they qualify for | | in an amount approximating the value |
| Peoria | | non-tobacco prices). | | of the property insured. |
