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| Cranston | | The quickest and easiest way to | | Policy Anniversary: The anniversary |
| Portland | | shop for new insurance is by | | of the date of issue of a policy as |
| Cherry Hill | | comparing rates at InsWebs online | | shown in the policy declarations. |
| Albany | | marketplace. If you do it the | | |
| Hendersonville | | old-fashioned way (by calling or | | Mutualization: The process of |
| Redlands | | visiting multiple agents or insurance | | converting a stock insurer to a mutual |
| Malden | | companies) it could take up a huge | | insurer, accomplished by having the |
| Evansville | | chunk of your time, which no one | | insurer buy stock and retire it. |
| Charleston | | wants or needs. By completing | | |
| Las Vegas | | InsWebs online application, you will | | Lapsed Policy: One which has been |
| Palm Desert | | have rates to compare to your old | | allowed to expire because of |
| Billings | | ones within minutes! | | nonpayment of premiums. |
