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| Berkeley | | Healthy people have the best | | First Party Insurance: Insurance which |
| Tulsa | | mortality risks and thus are much | | applies to coverage for the insured's |
| Alexandria | | cheaper for companies to insure. This | | own property or person. Contrast with |
| Woodbridge | | translates into lower rates for the | | Third Party Insurance. |
| Cape Coral | | Super Preferred customer than | | |
| Springfield | | someone with higher risk factors such | | Loss Adjustment Expense: The cost |
| Stamford | | as a heart condition, cancer or | | of adjusting losses, excluding the |
| Lawton | | diabetes. Conversely, if you were | | amount of the loss itself. |
| Raleigh | | unhealthy when you acquired your | | |
| San Bernardino | | policy, and your health has now | | Theory of Probability: The |
| New Port Richey | | improved, it might be time to shop for | | mathematical principle upon which |
| Memphis | | a new policy, as your rates are likely | | insurance is based. |
| New Orleans | | to be lower. | | |
| Overland Park | | | | Standard Industry Code (SIC): This is |
| Mesquite | | The quickest and easiest way to | | a coding system which assigns |
| Rochester | | shop for new insurance is by | | separate codes for different types of |
| Hendersonville | | comparing rates at InsWebs online | | industries. |
| Grand Rapids | | marketplace. If you do it the | | |
| Cedar Rapids | | old-fashioned way (by calling or | | Accidental Bodily Injury: An injury |
| Greensboro | | visiting multiple agents or insurance | | sustained accidentally. Only the result |
| Dayton | | companies) it could take up a huge | | need be accidental. Contrast with |
| Houma | | chunk of your time, which no one | | Accidental Means. |
| Union | | wants or needs. By completing | | |
| Longmont | | InsWebs online application, you will | | Nonadmitted Insurer: An insurer not |
| Monroe | | have rates to compare to your old | | licensed to do business in the |
| Bellevue | | ones within minutes! | | jurisdiction in question. Same as |
| Decatur | | | | Unauthorized Insurer and Unlicensed |
| Duluth | | If you decide to cancel your policy | | Insurer. |
| Lubbock | | (after acquiring new coverage) | | |
| Bradenton | | outside of the 30-day period, you may | | Interline Endorsement: Commercial |
| Jasper | | have to pay a fee or penalty. | | endorsements that apply, or could |
| Fall River | | However, you may still save money | | apply, to more than one coverage |
| Newport News | | after paying the fee if your new policy | | part of a package policy. |
| Vero Beach | | affords you significant savings. So | | |
| Clearwater | | while it is best to wait until your | | |
| Huntington Beach | | receive your renewal notice, you CAN | | |
| Westbury | | cancel your policy at any time. | | |
