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| Raleigh | | At InsWeb, you can compare free | | Shock Loss: A catastrophic loss so |
| Billings | | online insurance quotes from many of | | large that it has a material effect on |
| Grand Prairie | | the nations leading insurance | | the underwriting results of a company. |
| Gulfport | | companies. | | |
| Anderson | | | | Net Loss: The amount of loss |
| Virginia Beach | | Individuals who have 30-year | | sustained by an insurer after giving |
| Anaheim | | mortgages might want to consider a | | effect to all applicable reinsurance, |
| Green Bay | | 30-year term to ensure that the house | | salvage, and subrogation recoveries. |
| Trenton | | is protected throughout the period of | | |
| Arlington | | the loan. | | Agent's Qualification Law: Education, |
| Waterloo | | | | experience, and other requirements |
| Boulder | | If you have noticed that your auto | | imposed by the state upon persons |
| Olympia | | insurance rates are still increasing | | desiring to be licensed as agents. |
| Myrtle Beach | | with each renewal, or even have not | | |
| Gainesville | | gone down even though you have a | | Tariff Rate: A rate established by a |
| Riverside | | great driving record, this lower pricing | | rating organization, which comes from |
| Orange | | trend makes it more important then | | the tables, schedules and rules found |
| Belleville | | ever that you shop around for auto | | in the tariff of rates. |
| Sarasota | | insurance. | | |
| Cranston | | | | Provisions: Statements contained in |
| Orange | | People who are trying to quit | | an insurance policy which explain the |
| Oakland | | smoking, for example, might be best | | benefits, conditions and other |
| Virginia Beach | | suited purchasing a shorter term (and | | features of the insurance contract. |
| Indianapolis | | then replacing it with a longer term | | |
| Los Angeles | | policy when they qualify for | | War Risk Insurance: Insurance |
| Cookeville | | non-tobacco prices). | | covering damage caused by war. |
| Plano | | | | Most often written by Ocean Marine |
| Modesto | | Healthy people have the best | | Insurance companies covering |
| Portland | | mortality risks and thus are much | | vessels. |
| Slidell | | cheaper for companies to insure. This | | |
| Lawrenceville | | translates into lower rates for the | | Gross Premium: The net premium |
| Chattanooga | | Super Preferred customer than | | plus operating expenses, |
| Lubbock | | someone with higher risk factors such | | commissions and other expenses. |
| Rochester | | as a heart condition, cancer or | | |
| Stamford | | diabetes. Conversely, if you were | | |
| Hot Springs | | unhealthy when you acquired your | | |
| Midland | | policy, and your health has now | | |
| Walnut Creek | | improved, it might be time to shop for | | |
| Minneapolis | | a new policy, as your rates are likely | | |
| St. Paul | | to be lower. | | |
