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| Lorain | | At InsWeb, you can compare free | | Index Bureau Experience: A measure |
| Newport Beach | | online insurance quotes from many of | | of losses relating to claims reported |
| Fort Lauderdale | | the nations leading insurance | | through a claim office during a |
| Dothan | | companies. | | 12-month period. |
| Alpharetta | | | | |
| Ogden | | The quickest and easiest way to | | Deductible: The portion of an insured |
| Ocala | | shop for new insurance is by | | loss to be borne by the insured |
| Henderson | | comparing rates at InsWebs online | | before he is entitled to recovery from |
| St. Paul | | marketplace. If you do it the | | the insurer. |
| Lubbock | | old-fashioned way (by calling or | | |
| Metairie | | visiting multiple agents or insurance | | Premium: The price of insurance |
| Knoxville | | companies) it could take up a huge | | protection for a specified risk for a |
| Corona | | chunk of your time, which no one | | specified period of time. |
| San Diego | | wants or needs. By completing | | |
| Jackson | | InsWebs online application, you will | | Approved Roof: A term used in |
| Ventura | | have rates to compare to your old | | building construction. It indicates a |
| Augusta | | ones within minutes! | | roof made of fire-resistive materials, |
| Newburgh | | | | such as tile or asphalt shingles. |
| Troy | | Everyone has different needs, and | | |
| Oakland | | not one size fits all when it comes to | | Agency Contract (or Agreement): The |
| Johnson City | | term life insurance. While it may make | | document which establishes the legal |
| Poughkeepsie | | sense for people in their 30s and 40s | | relationship between an agent and an |
| Portsmouth | | to secure a 20-year term length, a | | insurer. |
| Modesto | | 10-year term might be more | | |
| Wilmington | | appropriate for someone nearing | | Provisions: Statements contained in |
| Tyler | | retirement. | | an insurance policy which explain the |
| Decatur | | | | benefits, conditions and other |
| Lake Worth | | People who are trying to quit | | features of the insurance contract. |
| Olympia | | smoking, for example, might be best | | |
| Goldsboro | | suited purchasing a shorter term (and | | Insurance to Value: Insurance written |
| Akron | | then replacing it with a longer term | | in an amount approximating the value |
| Englewood | | policy when they qualify for | | of the property insured. |
| Franklin | | non-tobacco prices). | | |
| Alexandria | | | | Calendar Year Experience: This |
| El Cajon | | | | measures the premiums and losses |
| Valdosta | | | | entered on accounting records during |
| Hemet | | | | the 12-month calendar. |
