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| Pittsburgh | | Shopping around is the best way to | | Insurance to Value: Insurance written |
| Redlands | | save money on your insurance. | | in an amount approximating the value |
| Flushing | | | | of the property insured. |
| Sioux Falls | | The best time to switch policies is | | |
| Wichita | | within one month of receiving your | | Capital Sum: The maximum lump sum |
| Tucson | | policy renewal from your current | | payable in the event of accidental |
| Boise | | insurer. You can typically cancel your | | death or dismemberment. |
| El Paso | | policy without any fees or penalties if | | |
| Toms River | | you act within this time period. | | Calendar Year Experience: This |
| Orlando | | | | measures the premiums and losses |
| San Antonio | | If you have noticed that your auto | | entered on accounting records during |
| Columbus | | insurance rates are still increasing | | the 12-month calendar. |
| Downey | | with each renewal, or even have not | | |
| Omaha | | gone down even though you have a | | First Party Insurance: Insurance which |
| Venice | | great driving record, this lower pricing | | applies to coverage for the insured's |
| Cranston | | trend makes it more important then | | own property or person. Contrast with |
| Augusta | | ever that you shop around for auto | | Third Party Insurance. |
| Albany | | insurance. | | |
| Sioux City | | | | Accident: An unplanned event, |
| Hemet | | At InsWeb, you can compare free | | unexpected and undesigned, which |
| Sioux City | | online insurance quotes from many of | | occurs suddenly and at a definite |
| Sioux Falls | | the nations leading insurance | | place. |
| Seattle | | companies. | | |
| Tempe | | | | Independent Contractor: One who |
| Carlsbad | | People who are trying to quit | | agrees to perform according to a |
| Rochester | | smoking, for example, might be best | | contract and who is not an employee. |
| North Hollywood | | suited purchasing a shorter term (and | | |
| Bayside | | then replacing it with a longer term | | Exclusions: Specific situations, |
| Plano | | policy when they qualify for | | conditions, or circumstances that are |
| Orange | | non-tobacco prices). | | listed in the contract as being not |
| Huntington | | | | covered. |
| Grand Rapids | | Make sure you have a new policy in | | |
| Gaithersburg | | place before you cancel your old one | | Monoline Policy: Any insurance |
| Orlando | | to avoid a lapse in coverage. This will | | coverage written as a single line |
| Bellevue | | also prevent having to figure out the | | policy. Contrast with Multiple Line or |
| St. Louis | | amount of any unused premium that is | | Package policy. |
| Bradenton | | due to you from your old insurance | | |
| Newport News | | company, or having to spar with your | | |
| Riverside | | agent about exactly when your policy | | |
| Lima | | was cancelled and how much they | | |
| Rochester | | owe you. | | |
