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| Southfield | | At InsWeb, you can compare free | | First Party Insurance: Insurance which |
| Edmond | | online insurance quotes from many of | | applies to coverage for the insured's |
| Alpharetta | | the nations leading insurance | | own property or person. Contrast with |
| Santa Rosa | | companies. | | Third Party Insurance. |
| Gainesville | | | | |
| Portland | | If you decide to cancel your policy | | Valuation Clause: A clause stating the |
| Las Vegas | | (after acquiring new coverage) | | value of items for insurance |
| Orlando | | outside of the 30-day period, you may | | purposes, making it a valued policy. |
| Palm Harbor | | have to pay a fee or penalty. | | |
| Flint | | However, you may still save money | | Losses Incurred: The total losses, |
| Amarillo | | after paying the fee if your new policy | | whether paid or not, sustained by an |
| Lorain | | affords you significant savings. So | | insurer during a given period, e.g., 12 |
| Delray Beach | | while it is best to wait until your | | months. |
| Cherry Hill | | receive your renewal notice, you CAN | | |
| Lawton | | cancel your policy at any time. | | Claim: A demand made by the |
| Livonia | | | | insured, or the insured's beneficiary, |
| Gainesville | | While some companies raise their | | for payment of the benefits provided |
| Jackson | | prices based on your actual age, | | by the contract. |
| Owensboro | | most companies increase the price of | | |
| Lancaster | | their policies six months before your | | Professional Insurance Agents |
| Buffalo | | birthday. Its a term called Age | | Association: A trade association of |
| Lorain | | Nearest in the industry, and that | | mutual insurance agents. |
| Johnson City | | half-year price increase could really | | |
| Carlsbad | | add up over a 20-year term policy. As | | Cash Flow Underwriting: The use of |
| Brooklyn | | above, the quicker you purchase your | | rating and premium collection |
| Frederick | | policy the better. | | techniques by insurance companies |
| Fayetteville | | | | to maximize interest earnings on |
| Modesto | | If you have noticed that your auto | | premiums. |
| Ogden | | insurance rates are still increasing | | |
| Savannah | | with each renewal, or even have not | | Replacement: A new policy written to |
| Lawton | | gone down even though you have a | | take the place of one currently in force. |
| Fremont | | great driving record, this lower pricing | | |
| Stockbridge | | trend makes it more important then | | Adjustment Bureau: A firm organized |
| Overland Park | | ever that you shop around for auto | | to provide adjustment services to |
| Odessa | | insurance. | | insurers not wishing to create their |
| Peoria | | | | own claims division. |
