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| Valdosta | | If you decide to cancel your policy | | Monoline Policy: Any insurance |
| Vancouver | | (after acquiring new coverage) | | coverage written as a single line |
| Irvine | | outside of the 30-day period, you may | | policy. Contrast with Multiple Line or |
| Naperville | | have to pay a fee or penalty. | | Package policy. |
| Salt Lake City | | However, you may still save money | | |
| Malden | | after paying the fee if your new policy | | Independent Contractor: One who |
| Lancaster | | affords you significant savings. So | | agrees to perform according to a |
| Muskegon | | while it is best to wait until your | | contract and who is not an employee. |
| Minneapolis | | receive your renewal notice, you CAN | | |
| Fredericksburg | | cancel your policy at any time. | | Brick Veneer Construction: Refers to |
| Santa Ana | | | | a building where the outside walls are |
| Nashua | | If you have noticed that your auto | | constructed of wood with a facing of a |
| Shreveport | | insurance rates are still increasing | | single layer of brick. |
| San Jose | | with each renewal, or even have not | | |
| Pittsburgh | | gone down even though you have a | | Loss Frequency: The number of times |
| Arlington | | great driving record, this lower pricing | | a loss occurs over a specific period |
| Orlando | | trend makes it more important then | | of time. |
| Rockville | | ever that you shop around for auto | | |
| Scranton | | insurance. | | Effective Date: The date on which the |
| Fort Worth | | | | protection of an insurance policy or |
| El Paso | | Life insurance, specifically Term Life, | | bond goes into effect. |
| Palm Harbor | | is arguably one of the best values in | | |
| Baton Rouge | | the entire financial services arena. | | Incurred Expense: Expenses not yet |
| Daytona Beach | | Where else can you go and get | | paid. Can also include paid |
| Chattanooga | | hundreds of thousands of dollars in | | expenses in some accounting |
| Sacramento | | protection for literally pennies per | | systems. |
| Los Angeles | | day? Rates for Term Life insurance | | |
| Santa Clara | | remain at all-time lows, and now is the | | Provisions: Statements contained in |
| Bethlehem | | time to lock in the best prices. | | an insurance policy which explain the |
| Nashua | | | | benefits, conditions and other |
| Atlanta | | The quickest and easiest way to | | features of the insurance contract. |
| Pasadena | | shop for new insurance is by | | |
| Los Angeles | | comparing rates at InsWebs online | | Burning Ratio: The ratio of losses |
| Louisville | | marketplace. If you do it the | | suffered to the amount of insurance in |
| Eugene | | old-fashioned way (by calling or | | effect. |
| Delray Beach | | visiting multiple agents or insurance | | |
| Newport Beach | | companies) it could take up a huge | | |
| Lakeland | | chunk of your time, which no one | | |
| Atlanta | | wants or needs. By completing | | |
| Fort Smith | | InsWebs online application, you will | | |
| Jersey City | | have rates to compare to your old | | |
| Tuscaloosa | | ones within minutes! | | |
