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| Redlands | | Why not take advantage of current | | Preferred Risk: Any risk considered |
| Winter Haven | | low prices? Many auto insurance | | to be better than the standard risk on |
| Peoria | | consumers are becoming educated | | which the premium rate was |
| Beaumont | | on other companies, plans, and rates | | calculated. |
| Jackson | | that are available to them; ones that | | |
| Johnson City | | could afford them significant savings | | Liabilities: Money owed or expected |
| Tempe | | on their auto insurance. | | to be owed. Insurance company |
| Tallahassee | | | | financial statements, for instance, |
| Boise | | The quickest and easiest way to | | show assets and liabilities. |
| New York | | shop for new insurance is by | | |
| Asheville | | comparing rates at InsWebs online | | Agency Company: An insurance |
| Chesapeake | | marketplace. If you do it the | | company that produces business |
| Decatur | | old-fashioned way (by calling or | | through an agency network. Contrast |
| Salem | | visiting multiple agents or insurance | | with Direct Writer. |
| Tempe | | companies) it could take up a huge | | |
| Cypress | | chunk of your time, which no one | | Legislative Risk: A risk faced by |
| Boca Raton | | wants or needs. By completing | | investors whereby changes in tax |
| Bronx | | InsWebs online application, you will | | laws can result in adverse effects on |
| Memphis | | have rates to compare to your old | | the individual's investment results. |
| Trenton | | ones within minutes! | | |
| Albany | | | | Overlapping Insurance: Coverage |
| Montgomery | | The best time to switch policies is | | from two or more policies or insurers |
| Frederick | | within one month of receiving your | | which duplicates coverage of certain |
| Lafayette | | policy renewal from your current | | risks. |
| Lorain | | insurer. You can typically cancel your | | |
| Amarillo | | policy without any fees or penalties if | | FICA. Federal Insurance Contributions |
| Tempe | | you act within this time period. | | Act: A law imposing a payroll tax to |
| Independence | | | | assist in funding Social Security |
| El Cajon | | Individuals who have 30-year | | benefits. |
| Spokane | | mortgages might want to consider a | | |
| Oceanside | | 30-year term to ensure that the house | | Initial Premium: An amount paid at the |
| Kansas City | | is protected throughout the period of | | inception of an insurance contract, |
| Albany | | the loan. | | usually subject to adjustment at the |
| Fremont | | | | end of the policy period. |
