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| Evansville | | Make sure you have a new policy in | | Fictitious Groups: Groups formed |
| Rome | | place before you cancel your old one | | primarily for the purpose of buying |
| Berkeley | | to avoid a lapse in coverage. This will | | insurance. Under the law such groups |
| Woodbridge | | also prevent having to figure out the | | may not be underwritten. |
| Louisville | | amount of any unused premium that is | | |
| Los Angeles | | due to you from your old insurance | | Premises: The particular location of |
| Richmond | | company, or having to spar with your | | property or a portion thereof as |
| Quincy | | agent about exactly when your policy | | designated in a policy. |
| Fort Smith | | was cancelled and how much they | | |
| St. Paul | | owe you. | | Authorized Insurer: An insurer |
| Albany | | | | authorized by the state to transact |
| Fairfax | | The quickest and easiest way to | | business in that state for specific |
| Costa Mesa | | shop for new insurance is by | | types of insurance. |
| Louisville | | comparing rates at InsWebs online | | |
| Lafayette | | marketplace. If you do it the | | Admitted Company: An insurance |
| Santa Rosa | | old-fashioned way (by calling or | | company authorized and licensed to |
| Duluth | | visiting multiple agents or insurance | | do business in a given state. |
| Little Rock | | companies) it could take up a huge | | |
| Shreveport | | chunk of your time, which no one | | Open Rating: A system whereby a |
| Scranton | | wants or needs. By completing | | state allows an insurer to use rates |
| Bradenton | | InsWebs online application, you will | | without prior approval. |
| Baton Rouge | | have rates to compare to your old | | |
| Augusta | | ones within minutes! | | Retail Credit Company: The former |
| Naperville | | | | name of Equifax, a credit reporting |
| Duluth | | Shopping around is the best way to | | organization. See Equifax. |
| North Hollywood | | save money on your insurance. | | |
| Tallahassee | | | | Cash Flow Underwriting: The use of |
| Oceanside | | At InsWeb, you can compare free | | rating and premium collection |
| Whittier | | online insurance quotes from many of | | techniques by insurance companies |
| Biloxi | | the nations leading insurance | | to maximize interest earnings on |
| Jacksonville | | companies. | | premiums. |
