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| Durham | | The quickest and easiest way to | | Tabular Plan: A retrospective rating |
| Boise | | shop for new insurance is by | | plan, which uses tables to furnish the |
| Palo Alto | | comparing rates at InsWebs online | | various values for the rating formula. |
| Minneapolis | | marketplace. If you do it the | | |
| Fullerton | | old-fashioned way (by calling or | | Deficit Carried Forward: The transfer |
| Vineland | | visiting multiple agents or insurance | | of a debit balance from one |
| Davenport | | companies) it could take up a huge | | accounting period to another. |
| Billings | | chunk of your time, which no one | | |
| Kansas City | | wants or needs. By completing | | Gross Premium: The net premium |
| Amarillo | | InsWebs online application, you will | | plus operating expenses, |
| Fullerton | | have rates to compare to your old | | commissions and other expenses. |
| Overland Park | | ones within minutes! | | |
| Macon | | | | Deflation: An economic period |
| Spring Hill | | The best time to switch policies is | | characterized by falling prices, high |
| Conroe | | within one month of receiving your | | unemployment and a generally |
| Sarasota | | policy renewal from your current | | sluggish or slow economy. |
| Lowell | | insurer. You can typically cancel your | | |
| Saginaw | | policy without any fees or penalties if | | Fictitious Groups: Groups formed |
| Augusta | | you act within this time period. | | primarily for the purpose of buying |
| Orlando | | | | insurance. Under the law such groups |
| Topeka | | Everyone has different needs, and | | may not be underwritten. |
| Pompano Beach | | not one size fits all when it comes to | | |
| Torrance | | term life insurance. While it may make | | Commission of Authority: A document |
| Ventura | | sense for people in their 30s and 40s | | outlining the powers delegated to an |
| Chattanooga | | to secure a 20-year term length, a | | agent by an insurer. |
| Charlotte | | 10-year term might be more | | |
| Austin | | appropriate for someone nearing | | Index Bureau Experience: A measure |
| Englewood | | retirement. | | of losses relating to claims reported |
| Athens | | | | through a claim office during a |
| Greensboro | | Why not take advantage of current | | 12-month period. |
| Rome | | low prices? Many auto insurance | | |
| Turlock | | consumers are becoming educated | | Indemnity: Restoration to the victim of |
| Jasper | | on other companies, plans, and rates | | a loss by payment, repair, or |
| Irving | | that are available to them; ones that | | replacement. |
| Alameda | | could afford them significant savings | | |
| Youngstown | | on their auto insurance. | | |
