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| Santa Ana | | While some companies raise their | | Lloyd's Broker: A person who has the |
| Schenectady | | prices based on your actual age, | | authority to negotiate insurance |
| Metairie | | most companies increase the price of | | contracts with the underwriters on the |
| Minneapolis | | their policies six months before your | | floor at Lloyd's. |
| Long Island City | | birthday. Its a term called Age | | |
| San Antonio | | Nearest in the industry, and that | | Agent's Qualification Law: Education, |
| Denver | | half-year price increase could really | | experience, and other requirements |
| Stockton | | add up over a 20-year term policy. As | | imposed by the state upon persons |
| Philadelphia | | above, the quicker you purchase your | | desiring to be licensed as agents. |
| Tallahassee | | policy the better. | | |
| Yuma | | | | Fictitious Groups: Groups formed |
| Longview | | The quickest and easiest way to | | primarily for the purpose of buying |
| Stockbridge | | shop for new insurance is by | | insurance. Under the law such groups |
| Reno | | comparing rates at InsWebs online | | may not be underwritten. |
| Biloxi | | marketplace. If you do it the | | |
| Muncie | | old-fashioned way (by calling or | | Building Code: This refers to |
| Orange Park | | visiting multiple agents or insurance | | municipal or other governmental |
| Arlington | | companies) it could take up a huge | | ordinances regulating the type of |
| West Chester | | chunk of your time, which no one | | construction of buildings within its |
| Riverside | | wants or needs. By completing | | jurisdiction. |
| Glendale | | InsWebs online application, you will | | |
| Lakeland | | have rates to compare to your old | | Policy Anniversary: The anniversary |
| Washington | | ones within minutes! | | of the date of issue of a policy as |
| Las Vegas | | | | shown in the policy declarations. |
| Oakland | | If you have noticed that your auto | | |
| Irvine | | insurance rates are still increasing | | Independent Contractor: One who |
| Newark | | with each renewal, or even have not | | agrees to perform according to a |
| Pembroke Pines | | gone down even though you have a | | contract and who is not an employee. |
| Vero Beach | | great driving record, this lower pricing | | |
| Jacksonville | | trend makes it more important then | | Brokerage Department: A department |
| Chattanooga | | ever that you shop around for auto | | of an insurer whose purpose is to |
| Southfield | | insurance. | | deal with brokers in the placing of |
| Woodbridge | | | | insurance. |
| Las Vegas | | People who are trying to quit | | |
| Winter Park | | smoking, for example, might be best | | |
| Los Angeles | | suited purchasing a shorter term (and | | |
| Fayetteville | | then replacing it with a longer term | | |
| Flushing | | policy when they qualify for | | |
| Palm Harbor | | non-tobacco prices). | | |
