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| Gaithersburg | | Shopping around is the best way to | | Gain and Loss Exhibit: The portion of |
| Henderson | | save money on your insurance. | | the convention blank which |
| Killeen | | | | represents an analysis of gains, |
| Sarasota | | The quickest and easiest way to | | losses, and surplus during an |
| Pittsburgh | | shop for new insurance is by | | accounting period. |
| Chandler | | comparing rates at InsWebs online | | |
| Arlington | | marketplace. If you do it the | | Standard Industry Code (SIC): This is |
| Whittier | | old-fashioned way (by calling or | | a coding system which assigns |
| Inglewood | | visiting multiple agents or insurance | | separate codes for different types of |
| Palm Harbor | | companies) it could take up a huge | | industries. |
| Stockbridge | | chunk of your time, which no one | | |
| Huntington Beach | | wants or needs. By completing | | Short-Term Policy: A policy written for |
| Bay City | | InsWebs online application, you will | | a period of less time than is normal for |
| Pensacola | | have rates to compare to your old | | that type of policy. |
| Wilmington | | ones within minutes! | | |
| Palm Desert | | | | Premium Receipt: The receipt given |
| Frederick | | Make sure you have a new policy in | | a policy owner for the payment of a |
| Newburgh | | place before you cancel your old one | | premium. |
| Oceanside | | to avoid a lapse in coverage. This will | | |
| Hartford | | also prevent having to figure out the | | Index Bureau Experience: A measure |
| Pittsburgh | | amount of any unused premium that is | | of losses relating to claims reported |
| Palm Harbor | | due to you from your old insurance | | through a claim office during a |
| Livonia | | company, or having to spar with your | | 12-month period. |
| Midland | | agent about exactly when your policy | | |
| Philadelphia | | was cancelled and how much they | | Lloyd's Broker: A person who has the |
| Johnstown | | owe you. | | authority to negotiate insurance |
| Allentown | | | | contracts with the underwriters on the |
| Rochester | | People who are trying to quit | | floor at Lloyd's. |
| Warwick | | smoking, for example, might be best | | |
| Phoenix | | suited purchasing a shorter term (and | | War Risk Insurance: Insurance |
| Las Vegas | | then replacing it with a longer term | | covering damage caused by war. |
| Bay City | | policy when they qualify for | | Most often written by Ocean Marine |
| Newark | | non-tobacco prices). | | Insurance companies covering |
| Chesapeake | | | | vessels. |
