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| Fall River | | While some companies raise their | | Partnership: A business enterprise |
| Southfield | | prices based on your actual age, | | owned and operated by two or more |
| Newport Beach | | most companies increase the price of | | persons for the purpose of generating |
| Santa Rosa | | their policies six months before your | | business income and profits. |
| Wilmington | | birthday. Its a term called Age | | |
| Lakewood | | Nearest in the industry, and that | | Interstate Carrier: A transportation |
| Bellevue | | half-year price increase could really | | company which does business |
| Yuma | | add up over a 20-year term policy. As | | across state lines. |
| Dearborn | | above, the quicker you purchase your | | |
| Greeley | | policy the better. | | Professional Insurance Agents |
| Springfield | | | | Association: A trade association of |
| Louisville | | The quickest and easiest way to | | mutual insurance agents. |
| San Antonio | | shop for new insurance is by | | |
| Stuart | | comparing rates at InsWebs online | | Provisions: Statements contained in |
| Schaumburg | | marketplace. If you do it the | | an insurance policy which explain the |
| Cookeville | | old-fashioned way (by calling or | | benefits, conditions and other |
| Fayetteville | | visiting multiple agents or insurance | | features of the insurance contract. |
| Springfield | | companies) it could take up a huge | | |
| Tyler | | chunk of your time, which no one | | Countersignature: The signature of a |
| Fort Lauderdale | | wants or needs. By completing | | licensed agent or representative on a |
| Youngstown | | InsWebs online application, you will | | policy. |
| Alpharetta | | have rates to compare to your old | | |
| Albuquerque | | ones within minutes! | | Gross Premium: The net premium |
| Hickory | | | | plus operating expenses, |
| Duluth | | The best time to switch policies is | | commissions and other expenses. |
| Anderson | | within one month of receiving your | | |
| Yonkers | | policy renewal from your current | | Partnership Entity: The partnership |
| Irving | | insurer. You can typically cancel your | | considered as an entity and not in |
| Elkhart | | policy without any fees or penalties if | | terms of its individual part-owners. |
| Albany | | you act within this time period. | | |
| Dayton | | | | Deficit Carried Forward: The transfer |
| Billings | | Make sure you have a new policy in | | of a debit balance from one |
| Baton Rouge | | place before you cancel your old one | | accounting period to another. |
| Winter Park | | to avoid a lapse in coverage. This will | | |
| Independence | | also prevent having to figure out the | | |
| Jackson | | amount of any unused premium that is | | |
| Fresno | | due to you from your old insurance | | |
| Lexington | | company, or having to spar with your | | |
| Jacksonville | | agent about exactly when your policy | | |
| Muncie | | was cancelled and how much they | | |
| Springfield | | owe you. | | |
