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| Tulsa | | The quickest and easiest way to | | Provisions: Statements contained in |
| New Port Richey | | shop for new insurance is by | | an insurance policy which explain the |
| Lincoln | | comparing rates at InsWebs online | | benefits, conditions and other |
| Shreveport | | marketplace. If you do it the | | features of the insurance contract. |
| Daytona Beach | | old-fashioned way (by calling or | | |
| Flint | | visiting multiple agents or insurance | | Admitted Company: An insurance |
| Wichita Falls | | companies) it could take up a huge | | company authorized and licensed to |
| Panama City | | chunk of your time, which no one | | do business in a given state. |
| Hattiesburg | | wants or needs. By completing | | |
| Mountain View | | InsWebs online application, you will | | Agency: An insurance sales office |
| Redlands | | have rates to compare to your old | | which is directed by a agent, |
| Shreveport | | ones within minutes! | | manager, independent agent, or |
| Melbourne | | | | company manager. |
| Boston | | The best time to switch policies is | | |
| Greensboro | | within one month of receiving your | | Book Value: Refers to the value of |
| Torrance | | policy renewal from your current | | assets as shown in the official |
| Decatur | | insurer. You can typically cancel your | | accounting records of the company. |
| West Palm Beach | | policy without any fees or penalties if | | |
| Poughkeepsie | | you act within this time period. | | War Risk Insurance: Insurance |
| Erie | | | | covering damage caused by war. |
| Grand Junction | | Make sure you have a new policy in | | Most often written by Ocean Marine |
| Clearwater | | place before you cancel your old one | | Insurance companies covering |
| Duluth | | to avoid a lapse in coverage. This will | | vessels. |
| Omaha | | also prevent having to figure out the | | |
| Charleston | | amount of any unused premium that is | | Underinsurance: A condition in which |
| Independence | | due to you from your old insurance | | not enough insurance is carried to |
| Newark | | company, or having to spar with your | | cover the insurable value. |
| Cape Coral | | agent about exactly when your policy | | |
| Peoria | | was cancelled and how much they | | Tariff Rate: A rate established by a |
| Spartanburg | | owe you. | | rating organization, which comes from |
| Spokane | | | | the tables, schedules and rules found |
| Palm Harbor | | Healthy people have the best | | in the tariff of rates. |
| Baton Rouge | | mortality risks and thus are much | | |
| Dubuque | | cheaper for companies to insure. This | | Brick Veneer Construction: Refers to |
| Quincy | | translates into lower rates for the | | a building where the outside walls are |
| Glendale | | Super Preferred customer than | | constructed of wood with a facing of a |
| Nashua | | someone with higher risk factors such | | single layer of brick. |
| Boise | | as a heart condition, cancer or | | |
| Toledo | | diabetes. Conversely, if you were | | |
| Scottsdale | | unhealthy when you acquired your | | |
| Augusta | | policy, and your health has now | | |
| Jersey City | | improved, it might be time to shop for | | |
| Kansas City | | a new policy, as your rates are likely | | |
| Valdosta | | to be lower. | | |
