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| Memphis | | Shopping around is the best way to | | Index Bureau Experience: A measure |
| White Plains | | save money on your insurance. | | of losses relating to claims reported |
| Eugene | | | | through a claim office during a |
| Grand Rapids | | Why not take advantage of current | | 12-month period. |
| Santa Rosa | | low prices? Many auto insurance | | |
| Palm Harbor | | consumers are becoming educated | | Mutualization: The process of |
| Bethlehem | | on other companies, plans, and rates | | converting a stock insurer to a mutual |
| Berkeley | | that are available to them; ones that | | insurer, accomplished by having the |
| Lake Charles | | could afford them significant savings | | insurer buy stock and retire it. |
| Texarkana | | on their auto insurance. | | |
| Woodbridge | | | | Line of Business: The classification of |
| Sarasota | | People who are trying to quit | | business as utilized in the insurance |
| Augusta | | smoking, for example, might be best | | industry, e.g., Fire, Allied Lines and |
| Syracuse | | suited purchasing a shorter term (and | | Homeowners. |
| Santa Clara | | then replacing it with a longer term | | |
| Greenville | | policy when they qualify for | | Substandard Risk: A risk not |
| Escondido | | non-tobacco prices). | | measuring up to underwriting |
| Bethlehem | | | | standards. It may still be written but |
| Hemet | | The quickest and easiest way to | | usually at a surcharged premium. |
| Winter Haven | | shop for new insurance is by | | |
| South Bend | | comparing rates at InsWebs online | | Partnership: A business enterprise |
| Charleston | | marketplace. If you do it the | | owned and operated by two or more |
| Charlotte | | old-fashioned way (by calling or | | persons for the purpose of generating |
| Redlands | | visiting multiple agents or insurance | | business income and profits. |
| Flushing | | companies) it could take up a huge | | |
| Texarkana | | chunk of your time, which no one | | Authorized Insurer: An insurer |
| Olympia | | wants or needs. By completing | | authorized by the state to transact |
| Naperville | | InsWebs online application, you will | | business in that state for specific |
| Edmond | | have rates to compare to your old | | types of insurance. |
| Chicago | | ones within minutes! | | |
| Plano | | | | Provisional Rate: Tentative rates, |
| White Plains | | At InsWeb, you can compare free | | premiums or commissions that are |
| Oxnard | | online insurance quotes from many of | | subject to subsequent adjustment. |
| Springfield | | the nations leading insurance | | See Commission and Premium. |
| Huntsville | | companies. | | |
