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| Sarasota | | Individuals who have 30-year | | Commission of Authority: A document |
| Rockville | | mortgages might want to consider a | | outlining the powers delegated to an |
| Oakland | | 30-year term to ensure that the house | | agent by an insurer. |
| Spartanburg | | is protected throughout the period of | | |
| Clarksville | | the loan. | | Claim: A demand made by the |
| Evanston | | | | insured, or the insured's beneficiary, |
| Gainesville | | The best time to switch policies is | | for payment of the benefits provided |
| Albuquerque | | within one month of receiving your | | by the contract. |
| Biloxi | | policy renewal from your current | | |
| Springfield | | insurer. You can typically cancel your | | Monoline Policy: Any insurance |
| Stamford | | policy without any fees or penalties if | | coverage written as a single line |
| Springfield | | you act within this time period. | | policy. Contrast with Multiple Line or |
| Albany | | | | Package policy. |
| Salt Lake City | | The quickest and easiest way to | | |
| Irving | | shop for new insurance is by | | Paid-In Surplus: Surplus paid in by |
| Buffalo | | comparing rates at InsWebs online | | stockholders, as contrasted with |
| Kalamazoo | | marketplace. If you do it the | | surplus earned through the |
| Buffalo | | old-fashioned way (by calling or | | operations of a business. |
| Norfolk | | visiting multiple agents or insurance | | |
| Boise | | companies) it could take up a huge | | Agent's License: A certificate of |
| Sioux Falls | | chunk of your time, which no one | | authority from the state which permits |
| Washington | | wants or needs. By completing | | the agent to conduct business. |
| Denver | | InsWebs online application, you will | | |
| Oxnard | | have rates to compare to your old | | Shock Loss: A catastrophic loss so |
| Melbourne | | ones within minutes! | | large that it has a material effect on |
| Fall River | | | | the underwriting results of a company. |
| Malden | | At InsWeb, you can compare free | | |
| Lubbock | | online insurance quotes from many of | | Society of Insurance Research: An |
| Newport Beach | | the nations leading insurance | | organization which encourages |
| Norwalk | | companies. | | insurance research and promotes the |
| Decatur | | | | exchange of ideas and methods of |
| Des Moines | | If you have noticed that your auto | | research. |
| Kansas City | | insurance rates are still increasing | | |
| Rochester | | with each renewal, or even have not | | Calendar Year Experience: This |
| Tempe | | gone down even though you have a | | measures the premiums and losses |
| Troy | | great driving record, this lower pricing | | entered on accounting records during |
| Stockton | | trend makes it more important then | | the 12-month calendar. |
| Norwalk | | ever that you shop around for auto | | |
| Stockbridge | | insurance. | | |
