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| Flint | | Shopping around is the best way to | | Foreign Insurer: An insurer domiciled |
| Springfield | | save money on your insurance. | | in a state of the United States other |
| Salem | | | | than the one in which the insured's |
| Winter Haven | | Make sure you have a new policy in | | insurance is written. |
| Anchorage | | place before you cancel your old one | | |
| Mesa | | to avoid a lapse in coverage. This will | | Captive Agent: One who sells |
| Sacramento | | also prevent having to figure out the | | insurance for only one company as |
| Santa Clara | | amount of any unused premium that is | | opposed to an agent who represents |
| Tallahassee | | due to you from your old insurance | | several companies. |
| High Point | | company, or having to spar with your | | |
| South Bend | | agent about exactly when your policy | | Mutualization: The process of |
| Colorado Springs | | was cancelled and how much they | | converting a stock insurer to a mutual |
| Inglewood | | owe you. | | insurer, accomplished by having the |
| Coral Springs | | | | insurer buy stock and retire it. |
| Cincinnati | | The quickest and easiest way to | | |
| Albany | | shop for new insurance is by | | Brick Veneer Construction: Refers to |
| Jacksonville | | comparing rates at InsWebs online | | a building where the outside walls are |
| Albany | | marketplace. If you do it the | | constructed of wood with a facing of a |
| Omaha | | old-fashioned way (by calling or | | single layer of brick. |
| Boynton Beach | | visiting multiple agents or insurance | | |
| Quincy | | companies) it could take up a huge | | Insurance Examiner: The |
| Bay City | | chunk of your time, which no one | | representative of a state insurance |
| Cherry Hill | | wants or needs. By completing | | department assigned to participate in |
| Virginia Beach | | InsWebs online application, you will | | the official audit and examination of |
| Union | | have rates to compare to your old | | an insurer. |
| Buffalo | | ones within minutes! | | |
| Springfield | | | | Lloyd's Broker: A person who has the |
| Harlingen | | People who are trying to quit | | authority to negotiate insurance |
| Anderson | | smoking, for example, might be best | | contracts with the underwriters on the |
| Myrtle Beach | | suited purchasing a shorter term (and | | floor at Lloyd's. |
| Beaumont | | then replacing it with a longer term | | |
| Santa Ana | | policy when they qualify for | | Agent's Balance: A periodic |
| Fayetteville | | non-tobacco prices). | | statement of the sums due and owed |
| Green Bay | | | | to an agent under the agent's contract |
| San Antonio | | | | with an insurer. |
