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| Jacksonville | | While some companies raise their | | Authorized Insurer: An insurer |
| Quincy | | prices based on your actual age, | | authorized by the state to transact |
| Austin | | most companies increase the price of | | business in that state for specific |
| White Plains | | their policies six months before your | | types of insurance. |
| Yonkers | | birthday. Its a term called Age | | |
| Kansas City | | Nearest in the industry, and that | | Paid-In Surplus: Surplus paid in by |
| Riverside | | half-year price increase could really | | stockholders, as contrasted with |
| Reno | | add up over a 20-year term policy. As | | surplus earned through the |
| Bradenton | | above, the quicker you purchase your | | operations of a business. |
| Detroit | | policy the better. | | |
| Pompano Beach | | | | Deficit Carried Forward: The transfer |
| Anaheim | | The quickest and easiest way to | | of a debit balance from one |
| Stockbridge | | shop for new insurance is by | | accounting period to another. |
| Houston | | comparing rates at InsWebs online | | |
| Richmond | | marketplace. If you do it the | | Tariff Rate: A rate established by a |
| Canton | | old-fashioned way (by calling or | | rating organization, which comes from |
| Irvine | | visiting multiple agents or insurance | | the tables, schedules and rules found |
| Duluth | | companies) it could take up a huge | | in the tariff of rates. |
| Aurora | | chunk of your time, which no one | | |
| Topeka | | wants or needs. By completing | | Broker-Agent: One acting as an agent |
| Chula Vista | | InsWebs online application, you will | | of one or more insurers and as a |
| Myrtle Beach | | have rates to compare to your old | | broker in dealing with one or more |
| San Francisco | | ones within minutes! | | other insurers. |
