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| Lafayette | | The quickest and easiest way to | | Accident: An unplanned event, |
| Seattle | | shop for new insurance is by | | unexpected and undesigned, which |
| Birmingham | | comparing rates at InsWebs online | | occurs suddenly and at a definite |
| Lubbock | | marketplace. If you do it the | | place. |
| Fort Collins | | old-fashioned way (by calling or | | |
| Grand Rapids | | visiting multiple agents or insurance | | Policy Anniversary: The anniversary |
| Wilmington | | companies) it could take up a huge | | of the date of issue of a policy as |
| Anderson | | chunk of your time, which no one | | shown in the policy declarations. |
| Newark | | wants or needs. By completing | | |
| Oceanside | | InsWebs online application, you will | | Exclusion: A contractual provision that |
| Lowell | | have rates to compare to your old | | denies coverage for certain perils, |
| Cape Coral | | ones within minutes! | | persons, property, or locations. |