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| Huntington Beach | | If you have noticed that your auto | | Agency: An insurance sales office |
| Des Moines | | insurance rates are still increasing | | which is directed by a agent, |
| Dayton | | with each renewal, or even have not | | manager, independent agent, or |
| Huntsville | | gone down even though you have a | | company manager. |
| St. Louis | | great driving record, this lower pricing | | |
| Norwalk | | trend makes it more important then | | Authorized Insurer: An insurer |
| Chicago | | ever that you shop around for auto | | authorized by the state to transact |
| Aurora | | insurance. | | business in that state for specific |
| Fort Wayne | | | | types of insurance. |
| Houston | | Make sure you have a new policy in | | |
| Bradenton | | place before you cancel your old one | | Effective Date: The date on which the |
| Columbus | | to avoid a lapse in coverage. This will | | protection of an insurance policy or |
| Hartford | | also prevent having to figure out the | | bond goes into effect. |
| Irving | | amount of any unused premium that is | | |
| San Francisco | | due to you from your old insurance | | Net Loss: The amount of loss |
| Sunnyvale | | company, or having to spar with your | | sustained by an insurer after giving |
| Jackson | | agent about exactly when your policy | | effect to all applicable reinsurance, |
| Decatur | | was cancelled and how much they | | salvage, and subrogation recoveries. |
| Redlands | | owe you. | | |
| Beaumont | | | | Valued: Relating to an agreement by |
| Jackson | | The quickest and easiest way to | | an insurer to pay a specified amount |
| Oxnard | | shop for new insurance is by | | of money to or on behalf of the |
| Greenville | | comparing rates at InsWebs online | | insured upon occurrence of a defined |
| Mountain View | | marketplace. If you do it the | | loss. |
| Akron | | old-fashioned way (by calling or | | |
| Palo Alto | | visiting multiple agents or insurance | | Premium Notice: A form notice from |
| Burbank | | companies) it could take up a huge | | an insurer or agency to a policy |
| Sioux City | | chunk of your time, which no one | | owner that a premium will be due on a |
| Springfield | | wants or needs. By completing | | given date. |
| Alpharetta | | InsWebs online application, you will | | |
| Oxnard | | have rates to compare to your old | | Time Limits: The limits of time within |
| Nashville | | ones within minutes! | | which notice of a claim and proof of a |
| Cincinnati | | | | loss must be submitted. |
| Boise | | People who are trying to quit | | |
| Columbus | | smoking, for example, might be best | | |
| Grand Prairie | | suited purchasing a shorter term (and | | |
| Rockford | | then replacing it with a longer term | | |
| Norfolk | | policy when they qualify for | | |
| Beaumont | | non-tobacco prices). | | |
