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| Evansville | | Why not take advantage of current | | Cash Flow Underwriting: The use of |
| Fremont | | low prices? Many auto insurance | | rating and premium collection |
| Troy | | consumers are becoming educated | | techniques by insurance companies |
| Southfield | | on other companies, plans, and rates | | to maximize interest earnings on |
| Hemet | | that are available to them; ones that | | premiums. |
| Quincy | | could afford them significant savings | | |
| Harlingen | | on their auto insurance. | | Submitted Business: Applications for |
| Santa Barbara | | | | insurance submitted to an insurer but |
| Shreveport | | The quickest and easiest way to | | not yet acted upon by it. |
| Chicago | | shop for new insurance is by | | |
| Grand Junction | | comparing rates at InsWebs online | | Loss Frequency: The number of times |
| Boise | | marketplace. If you do it the | | a loss occurs over a specific period |
| Irving | | old-fashioned way (by calling or | | of time. |
| Alameda | | visiting multiple agents or insurance | | |
| New Orleans | | companies) it could take up a huge | | Open Rating: A system whereby a |
| Anchorage | | chunk of your time, which no one | | state allows an insurer to use rates |
| Virginia Beach | | wants or needs. By completing | | without prior approval. |
| Marietta | | InsWebs online application, you will | | |
| Stockton | | have rates to compare to your old | | Valued: Relating to an agreement by |
| Raleigh | | ones within minutes! | | an insurer to pay a specified amount |
| Dubuque | | | | of money to or on behalf of the |
| Huntington | | If you have noticed that your auto | | insured upon occurrence of a defined |
| Longmont | | insurance rates are still increasing | | loss. |
| Sarasota | | with each renewal, or even have not | | |
| Fort Smith | | gone down even though you have a | | Adjustment Bureau: A firm organized |
| Washington | | great driving record, this lower pricing | | to provide adjustment services to |
| Vancouver | | trend makes it more important then | | insurers not wishing to create their |
| El Paso | | ever that you shop around for auto | | own claims division. |
| Portsmouth | | insurance. | | |
| Knoxville | | | | Brokerage Business: Business |
| Albany | | People who are trying to quit | | offered to an insurer by a broker. This |
| Jackson | | smoking, for example, might be best | | is sometimes called excess or |
| Jacksonville | | suited purchasing a shorter term (and | | surplus business. |
| Beaumont | | then replacing it with a longer term | | |
| Arlington | | policy when they qualify for | | |
| Long Beach | | non-tobacco prices). | | |
