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| Cypress | | The best time to switch policies is | | Collusion: An agreement, usually |
| Jasper | | within one month of receiving your | | secret, between two or more persons |
| Albany | | policy renewal from your current | | to defraud or deprive another or |
| Fort Smith | | insurer. You can typically cancel your | | others of their property or rights. |
| Fullerton | | policy without any fees or penalties if | | |
| Lorain | | you act within this time period. | | Loss Frequency: The number of times |
| Columbus | | | | a loss occurs over a specific period |
| Fort Wayne | | At InsWeb, you can compare free | | of time. |
| Chicago | | online insurance quotes from many of | | |
| Norfolk | | the nations leading insurance | | Coding: A method of putting |
| Reno | | companies. | | information into a numerical form for |
| Fairfax | | | | statistical use. Most information on |
| Alpharetta | | We offer quotes for auto insurance, | | policies is coded and then put into |
| Quincy | | life insurance, homeowners | | reports. |
| Bloomington | | insurance, health insurance, term life | | |
| Costa Mesa | | insurance and more. | | Exclusion: A contractual provision that |
| Orange Park | | | | denies coverage for certain perils, |
| Inglewood | | The quickest and easiest way to | | persons, property, or locations. |
| Saginaw | | shop for new insurance is by | | |
| Phoenix | | comparing rates at InsWebs online | | Indemnify: To restore the victim of a |
| Springfield | | marketplace. If you do it the | | loss to the same position as before |
| Toms River | | old-fashioned way (by calling or | | the loss occurred. |
| Florence | | visiting multiple agents or insurance | | |
| Pembroke Pines | | companies) it could take up a huge | | Society of Insurance Research: An |
| Rome | | chunk of your time, which no one | | organization which encourages |
| Sioux City | | wants or needs. By completing | | insurance research and promotes the |
| Durham | | InsWebs online application, you will | | exchange of ideas and methods of |
| Trenton | | have rates to compare to your old | | research. |
| Toledo | | ones within minutes! | | |
| Charleston | | | | Admitted Company: An insurance |
| Alpharetta | | Individuals who have 30-year | | company authorized and licensed to |
| Waco | | mortgages might want to consider a | | do business in a given state. |
| Albany | | 30-year term to ensure that the house | | |
| Bronx | | is protected throughout the period of | | American Risk and Insurance |
| San Bernardino | | the loan. | | Association: An association of |
| Fredericksburg | | | | insurance educators and others |
| Newburgh | | | | interested in insurance study and |
| Detroit | | | | research. |
