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| Torrance | | Why not take advantage of current | | Indemnity: Restoration to the victim of |
| Columbia | | low prices? Many auto insurance | | a loss by payment, repair, or |
| Tyler | | consumers are becoming educated | | replacement. |
| Zanesville | | on other companies, plans, and rates | | |
| Tyler | | that are available to them; ones that | | Cash Flow Underwriting: The use of |
| Spartanburg | | could afford them significant savings | | rating and premium collection |
| Atlanta | | on their auto insurance. | | techniques by insurance companies |
| Madison | | | | to maximize interest earnings on |
| Fullerton | | The quickest and easiest way to | | premiums. |
| Palm Harbor | | shop for new insurance is by | | |
| Hampton | | comparing rates at InsWebs online | | Open Rating: A system whereby a |
| Littleton | | marketplace. If you do it the | | state allows an insurer to use rates |
| Austin | | old-fashioned way (by calling or | | without prior approval. |
| Colorado Springs | | visiting multiple agents or insurance | | |
| Charlotte | | companies) it could take up a huge | | Partial Loss: A loss covered by an |
| Seattle | | chunk of your time, which no one | | insurance policy which does not |
| Fort Collins | | wants or needs. By completing | | completely destroy or render |
| Anderson | | InsWebs online application, you will | | worthless the insured property. |
| Huntsville | | have rates to compare to your old | | |
| Morristown | | ones within minutes! | | FICA. Federal Insurance Contributions |
| Sunnyvale | | | | Act: A law imposing a payroll tax to |
| Tuscaloosa | | Life insurance, specifically Term Life, | | assist in funding Social Security |
| Costa Mesa | | is arguably one of the best values in | | benefits. |
| Boynton Beach | | the entire financial services arena. | | |
| Longwood | | Where else can you go and get | | Claim Report: A report filed by an |
| Anderson | | hundreds of thousands of dollars in | | agent setting forth the facts of a claim. |
| Joliet | | protection for literally pennies per | | Same as Loss Report. |
| Springfield | | day? Rates for Term Life insurance | | |
| Fresno | | remain at all-time lows, and now is the | | New For Old: Replacing old |
| Riverside | | time to lock in the best prices. | | damaged parts or equipment with |
| Metairie | | | | new ones rather than repairing them. |
| Silver Spring | | The best time to switch policies is | | |
| Englewood | | within one month of receiving your | | Shock Loss: A catastrophic loss so |
| Tacoma | | policy renewal from your current | | large that it has a material effect on |
| Bellevue | | insurer. You can typically cancel your | | the underwriting results of a company. |
| Toms River | | policy without any fees or penalties if | | |
| Des Moines | | you act within this time period. | | |
