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| Shreveport | | At InsWeb, you can compare free | | Index Bureau Experience: A measure |
| Trenton | | online insurance quotes from many of | | of losses relating to claims reported |
| Madison | | the nations leading insurance | | through a claim office during a |
| Tacoma | | companies. | | 12-month period. |
| Melbourne | | | | |
| Santa Rosa | | The best time to switch policies is | | Submitted Business: Applications for |
| Melbourne | | within one month of receiving your | | insurance submitted to an insurer but |
| Long Beach | | policy renewal from your current | | not yet acted upon by it. |
| Amarillo | | insurer. You can typically cancel your | | |
| Sioux Falls | | policy without any fees or penalties if | | Notice of Cancellation: Written notice |
| Silver Spring | | you act within this time period. | | by an insurer of intent to cancel |
| Gainesville | | | | insurance, or written notice by an |
| Cedar Rapids | | The quickest and easiest way to | | insured requesting cancellation. |
| Rockford | | shop for new insurance is by | | |
| Delray Beach | | comparing rates at InsWebs online | | Foreign Insurer: An insurer domiciled |
| Biloxi | | marketplace. If you do it the | | in a state of the United States other |
| Newburgh | | old-fashioned way (by calling or | | than the one in which the insured's |
| Colorado Springs | | visiting multiple agents or insurance | | insurance is written. |
| Alameda | | companies) it could take up a huge | | |
| St. Joseph | | chunk of your time, which no one | | Absolute Assignment: Assignment by |
| Glendale | | wants or needs. By completing | | a policy owner of all control of and |
| Newark | | InsWebs online application, you will | | rights in the policy to a third party. |
| Anchorage | | have rates to compare to your old | | |
| Tallahassee | | ones within minutes! | | Malinger: To feign a disability for the |
| Aurora | | | | purpose of continuing to collect |
| Coral Springs | | While some companies raise their | | benefits longer than actually |
| Staten Island | | prices based on your actual age, | | necessary. |
| Toms River | | most companies increase the price of | | |
| Portland | | their policies six months before your | | Lapsed Policy: One which has been |
| Greeley | | birthday. Its a term called Age | | allowed to expire because of |
| Gulfport | | Nearest in the industry, and that | | nonpayment of premiums. |
| Hartford | | half-year price increase could really | | |
| South Bend | | add up over a 20-year term policy. As | | Independent Contractor: One who |
| Lowell | | above, the quicker you purchase your | | agrees to perform according to a |
| Manchester | | policy the better. | | contract and who is not an employee. |
