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| Chandler | | At InsWeb, you can compare free | | Independent Agent: An agent |
| Charleston | | online insurance quotes from many of | | operating as an independent |
| Eugene | | the nations leading insurance | | contractor under the independent |
| Salem | | companies. | | agency system. |
| Spring Hill | | | | |
| Montgomery | | People who are trying to quit | | Losses Incurred: The total losses, |
| Decatur | | smoking, for example, might be best | | whether paid or not, sustained by an |
| Torrance | | suited purchasing a shorter term (and | | insurer during a given period, e.g., 12 |
| Canton | | then replacing it with a longer term | | months. |
| Cedar Rapids | | policy when they qualify for | | |
| Mountain View | | non-tobacco prices). | | Loss Frequency: The number of times |
| San Bernardino | | | | a loss occurs over a specific period |
| Delray Beach | | If you have noticed that your auto | | of time. |
| Lowell | | insurance rates are still increasing | | |
| Lorain | | with each renewal, or even have not | | Book Value: Refers to the value of |
| Acworth | | gone down even though you have a | | assets as shown in the official |
| Bayside | | great driving record, this lower pricing | | accounting records of the company. |
| Tacoma | | trend makes it more important then | | |
| Toms River | | ever that you shop around for auto | | War Risk Insurance: Insurance |
| Oklahoma City | | insurance. | | covering damage caused by war. |
| Grand Rapids | | | | Most often written by Ocean Marine |
| Cape Coral | | Individuals who have 30-year | | Insurance companies covering |
| Trenton | | mortgages might want to consider a | | vessels. |
| Texarkana | | 30-year term to ensure that the house | | |
| Long Beach | | is protected throughout the period of | | Depreciation: A decrease in the value |
| Johnson City | | the loan. | | of any type of tangible property over |
| Flint | | | | a period of time resulting from use, |
| Ann Arbor | | Why not take advantage of current | | wear and tear, or obsolescence. |
| Bradenton | | low prices? Many auto insurance | | |
| Rome | | consumers are becoming educated | | Substandard Risk: A risk not |
| Akron | | on other companies, plans, and rates | | measuring up to underwriting |
| Jackson | | that are available to them; ones that | | standards. It may still be written but |
| Fairfax | | could afford them significant savings | | usually at a surcharged premium. |
| Lincoln | | on their auto insurance. | | |
