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| Tyler | | The quickest and easiest way to | | Preferred Risk: Any risk considered |
| Clearwater | | shop for new insurance is by | | to be better than the standard risk on |
| Gainesville | | comparing rates at InsWebs online | | which the premium rate was |
| Fayetteville | | marketplace. If you do it the | | calculated. |
| West Palm Beach | | old-fashioned way (by calling or | | |
| Texarkana | | visiting multiple agents or insurance | | Shock Loss: A catastrophic loss so |
| Newport Beach | | companies) it could take up a huge | | large that it has a material effect on |
| Cape Coral | | chunk of your time, which no one | | the underwriting results of a company. |
| Tulsa | | wants or needs. By completing | | |
| Tacoma | | InsWebs online application, you will | | Loss Adjustment Expense: The cost |
| Carlsbad | | have rates to compare to your old | | of adjusting losses, excluding the |
| Grand Prairie | | ones within minutes! | | amount of the loss itself. |