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| Pembroke Pines | | The quickest and easiest way to | | Deficit Carried Forward: The transfer |
| Huntington Beach | | shop for new insurance is by | | of a debit balance from one |
| Monroe | | comparing rates at InsWebs online | | accounting period to another. |
| Tuscaloosa | | marketplace. If you do it the | | |
| Cypress | | old-fashioned way (by calling or | | Multi-Peril Policies: Policies which |
| Chandler | | visiting multiple agents or insurance | | cover a number of perils, such as fire, |
| Belleville | | companies) it could take up a huge | | burglary, and liability, in a single |
| Schenectady | | chunk of your time, which no one | | contract. |
| Livonia | | wants or needs. By completing | | |
| Cherry Hill | | InsWebs online application, you will | | Valued: Relating to an agreement by |
| Venice | | have rates to compare to your old | | an insurer to pay a specified amount |
| Lancaster | | ones within minutes! | | of money to or on behalf of the |
| Metairie | | | | insured upon occurrence of a defined |
| Cherry Hill | | If you decide to cancel your policy | | loss. |
| Edmond | | (after acquiring new coverage) | | |
| Westbury | | outside of the 30-day period, you may | | Domestic Insurer (or Company): An |
| Lawrenceville | | have to pay a fee or penalty. | | insurer formed under the laws of the |
| West Palm Beach | | However, you may still save money | | state in which the insurance is written. |
| Houston | | after paying the fee if your new policy | | |
| Greeley | | affords you significant savings. So | | Book Value: Refers to the value of |
| Greeley | | while it is best to wait until your | | assets as shown in the official |
| Pittsburgh | | receive your renewal notice, you CAN | | accounting records of the company. |
| Hendersonville | | cancel your policy at any time. | | |
| Dallas | | | | Operating Expense: The expense of |
| Clinton Township | | Healthy people have the best | | an insurer other than commissions |
| Springfield | | mortality risks and thus are much | | and taxes. Called " and Insurance |
| Savannah | | cheaper for companies to insure. This | | Expense" in the convention statement |
| Walnut Creek | | translates into lower rates for the | | blank. |
| Oklahoma City | | Super Preferred customer than | | |
| Kansas City | | someone with higher risk factors such | | Overlapping Insurance: Coverage |
| Roanoke | | as a heart condition, cancer or | | from two or more policies or insurers |
| Daytona Beach | | diabetes. Conversely, if you were | | which duplicates coverage of certain |
| Akron | | unhealthy when you acquired your | | risks. |
| Lafayette | | policy, and your health has now | | |
| Arlington | | improved, it might be time to shop for | | |
| Tuscaloosa | | a new policy, as your rates are likely | | |
| Florence | | to be lower. | | |
