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| Portsmouth | | Why not take advantage of current | | Net Interest Earned: The average |
| Saginaw | | low prices? Many auto insurance | | interest earned by an insurer on its |
| Westbury | | consumers are becoming educated | | investments after investment expense |
| Sacramento | | on other companies, plans, and rates | | but before federal income taxes. |
| Joliet | | that are available to them; ones that | | |
| Flint | | could afford them significant savings | | Initial Premium: An amount paid at the |
| Rapid City | | on their auto insurance. | | inception of an insurance contract, |
| Mesa | | | | usually subject to adjustment at the |
| Morristown | | If you have noticed that your auto | | end of the policy period. |
| Winter Park | | insurance rates are still increasing | | |
| Englewood | | with each renewal, or even have not | | Appraisal: An evaluation of property |
| Minneapolis | | gone down even though you have a | | made to ascertain either the |
| Warwick | | great driving record, this lower pricing | | appropriate amount of insurance to |
| Columbia | | trend makes it more important then | | be written or the amount of loss to be |
| Lincoln | | ever that you shop around for auto | | paid. |
| Davenport | | insurance. | | |
| Chattanooga | | | | Agency Contract (or Agreement): The |
| Lubbock | | Individuals who have 30-year | | document which establishes the legal |
| Scottsdale | | mortgages might want to consider a | | relationship between an agent and an |
| Memphis | | 30-year term to ensure that the house | | insurer. |
| Warwick | | is protected throughout the period of | | |
| Muncie | | the loan. | | Equity: The money value of an |
| Berkeley | | | | insurance company that is over and |
| Greenville | | People who are trying to quit | | above its liabilities. Liabilities include |
| Newark | | smoking, for example, might be best | | almost all of its reserves. |
| Boise | | suited purchasing a shorter term (and | | |
| Modesto | | then replacing it with a longer term | | Underwriters Laboratories, Inc. (UL): A |
| Miami | | policy when they qualify for | | testing laboratory for manufactured |
| New York | | non-tobacco prices). | | items to determine their safety |
| Rockville | | | | propensities. |
| Trenton | | The quickest and easiest way to | | |
| Palm Desert | | shop for new insurance is by | | Mutualization: The process of |
| Goldsboro | | comparing rates at InsWebs online | | converting a stock insurer to a mutual |
| Dothan | | marketplace. If you do it the | | insurer, accomplished by having the |
| Lake Worth | | old-fashioned way (by calling or | | insurer buy stock and retire it. |
| Sterling Heights | | visiting multiple agents or insurance | | |
| Portland | | companies) it could take up a huge | | |
| Wilmington | | chunk of your time, which no one | | |
| Salt Lake City | | wants or needs. By completing | | |
| Dothan | | InsWebs online application, you will | | |
| Texarkana | | have rates to compare to your old | | |
| Ventura | | ones within minutes! | | |
