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| Fresno | | Make sure you have a new policy in | | Equity: The money value of an |
| Jacksonville | | place before you cancel your old one | | insurance company that is over and |
| Minneapolis | | to avoid a lapse in coverage. This will | | above its liabilities. Liabilities include |
| Syracuse | | also prevent having to figure out the | | almost all of its reserves. |
| Stockbridge | | amount of any unused premium that is | | |
| Stamford | | due to you from your old insurance | | Net Loss: The amount of loss |
| Hemet | | company, or having to spar with your | | sustained by an insurer after giving |
| Evanston | | agent about exactly when your policy | | effect to all applicable reinsurance, |
| Grand Rapids | | was cancelled and how much they | | salvage, and subrogation recoveries. |
| Durham | | owe you. | | |
| Florissant | | | | Insurance Examiner: The |
| Stuart | | The quickest and easiest way to | | representative of a state insurance |
| Duluth | | shop for new insurance is by | | department assigned to participate in |
| Riverside | | comparing rates at InsWebs online | | the official audit and examination of |
| Boston | | marketplace. If you do it the | | an insurer. |
| Norfolk | | old-fashioned way (by calling or | | |
| Vancouver | | visiting multiple agents or insurance | | Countersignature: The signature of a |
| Cincinnati | | companies) it could take up a huge | | licensed agent or representative on a |
| Pompano Beach | | chunk of your time, which no one | | policy. |
| Jackson | | wants or needs. By completing | | |
| Waco | | InsWebs online application, you will | | Basic Rate: The manual rate from |
| Toledo | | have rates to compare to your old | | which discounts are taken or to which |
| Santa Monica | | ones within minutes! | | charges are added to reflect the |
| Fort Smith | | | | individual circumstances of a risk. |
| South Bend | | At InsWeb, you can compare free | | |
| Fredericksburg | | online insurance quotes from many of | | Examiner: An employee assigned by |
| Corpus Christi | | the nations leading insurance | | the state insurance department to |
| Allentown | | companies. | | audit insurers' records. |
