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| St. Louis | | At InsWeb, you can compare free | | Retrospective Premium: The final |
| Rockville | | online insurance quotes from many of | | premium in a retrospective rating |
| San Bernardino | | the nations leading insurance | | plan. See Retrospective Rating. |
| Anaheim | | companies. | | |
| Union | | | | Standard Industry Code (SIC): This is |
| Littleton | | Shopping around is the best way to | | a coding system which assigns |
| Richmond | | save money on your insurance. | | separate codes for different types of |
| Cypress | | | | industries. |
| Grand Prairie | | Healthy people have the best | | |
| Torrance | | mortality risks and thus are much | | We/Us/Our: These words are used to |
| Chandler | | cheaper for companies to insure. This | | refer to the insurer in many of the |
| Cypress | | translates into lower rates for the | | modernized/personalized policy |
| Mountain View | | Super Preferred customer than | | forms recently introduced. |
| Rockford | | someone with higher risk factors such | | |
| New Orleans | | as a heart condition, cancer or | | Monoline Policy: Any insurance |
| Charlotte | | diabetes. Conversely, if you were | | coverage written as a single line |
| Cranston | | unhealthy when you acquired your | | policy. Contrast with Multiple Line or |
| Santa Barbara | | policy, and your health has now | | Package policy. |
| St. Joseph | | improved, it might be time to shop for | | |
| Trenton | | a new policy, as your rates are likely | | Claim Report: A report filed by an |
| Marietta | | to be lower. | | agent setting forth the facts of a claim. |
| Anderson | | | | Same as Loss Report. |
| Lakewood | | The best time to switch policies is | | |
| Warren | | within one month of receiving your | | Renewal: The reestablishment of the |
| Hot Springs | | policy renewal from your current | | in-force status of a policy, the term of |
| Woodbridge | | insurer. You can typically cancel your | | which has expired or will expire |
| Norfolk | | policy without any fees or penalties if | | unless it is renewed. |
| Myrtle Beach | | you act within this time period. | | |
| Raleigh | | | | Broker of Record: A broker who has |
| Sioux City | | Individuals who have 30-year | | been designated to handle certain |
| Quincy | | mortgages might want to consider a | | insurance contracts for the |
| Augusta | | 30-year term to ensure that the house | | policyholder. |
| Santa Rosa | | is protected throughout the period of | | |
| Davenport | | the loan. | | Expense Allowance: A compensation |
| Rome | | | | paid to an insurance agent in excess |
| Greenville | | | | of prescribed commissions. |
