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| Fredericksburg | | The quickest and easiest way to | | Equity: The money value of an |
| Chula Vista | | shop for new insurance is by | | insurance company that is over and |
| Long Beach | | comparing rates at InsWebs online | | above its liabilities. Liabilities include |
| Lake Worth | | marketplace. If you do it the | | almost all of its reserves. |
| Morristown | | old-fashioned way (by calling or | | |
| Santa Monica | | visiting multiple agents or insurance | | Effective Date: The date on which the |
| St. Joseph | | companies) it could take up a huge | | protection of an insurance policy or |
| Lakeland | | chunk of your time, which no one | | bond goes into effect. |
| Troy | | wants or needs. By completing | | |
| Allentown | | InsWebs online application, you will | | Insurance Examiner: The |
| Lubbock | | have rates to compare to your old | | representative of a state insurance |
| Reno | | ones within minutes! | | department assigned to participate in |
| Orange Park | | | | the official audit and examination of |
| Oklahoma City | | Shopping around is the best way to | | an insurer. |
| Norwalk | | save money on your insurance. | | |
| Mesa | | | | Deficit Carried Forward: The transfer |
| Odessa | | If you have noticed that your auto | | of a debit balance from one |
| Reno | | insurance rates are still increasing | | accounting period to another. |
| Santa Ana | | with each renewal, or even have not | | |
| Myrtle Beach | | gone down even though you have a | | Examiner: An employee assigned by |
| New Orleans | | great driving record, this lower pricing | | the state insurance department to |
| Mountain View | | trend makes it more important then | | audit insurers' records. |
| Wilmington | | ever that you shop around for auto | | |
| San Francisco | | insurance. | | Tabular Plan: A retrospective rating |
| Arlington | | | | plan, which uses tables to furnish the |
| Conroe | | If you decide to cancel your policy | | various values for the rating formula. |
| Newport Beach | | (after acquiring new coverage) | | |
| Fort Worth | | outside of the 30-day period, you may | | Agency: An insurance sales office |
| Rockford | | have to pay a fee or penalty. | | which is directed by a agent, |
| Joliet | | However, you may still save money | | manager, independent agent, or |
| Texarkana | | after paying the fee if your new policy | | company manager. |
| Athens | | affords you significant savings. So | | |
| Salt Lake City | | while it is best to wait until your | | Short-Term Policy: A policy written for |
| Greeley | | receive your renewal notice, you CAN | | a period of less time than is normal for |
| Knoxville | | cancel your policy at any time. | | that type of policy. |
