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| Macon | | At InsWeb, you can compare free | | Shock Loss: A catastrophic loss so |
| Council Bluffs | | online insurance quotes from many of | | large that it has a material effect on |
| Saginaw | | the nations leading insurance | | the underwriting results of a company. |
| Jersey City | | companies. | | |
| Durham | | | | Agent's Balance: A periodic |
| Tyler | | Why not take advantage of current | | statement of the sums due and owed |
| Albany | | low prices? Many auto insurance | | to an agent under the agent's contract |
| Bellevue | | consumers are becoming educated | | with an insurer. |
| Venice | | on other companies, plans, and rates | | |
| Decatur | | that are available to them; ones that | | Authorized Insurer: An insurer |
| Gaithersburg | | could afford them significant savings | | authorized by the state to transact |
| Mansfield | | on their auto insurance. | | business in that state for specific |
| Johnson City | | | | types of insurance. |
| Johnstown | | Healthy people have the best | | |
| Asheville | | mortality risks and thus are much | | Earned Income: The money |
| Whittier | | cheaper for companies to insure. This | | individuals earn as a result of working |
| Jackson | | translates into lower rates for the | | at some job or occupation for which |
| Jackson | | Super Preferred customer than | | they are paid a salary. |
| Redlands | | someone with higher risk factors such | | |
| Council Bluffs | | as a heart condition, cancer or | | Provisions: Statements contained in |
| Zanesville | | diabetes. Conversely, if you were | | an insurance policy which explain the |
| Houma | | unhealthy when you acquired your | | benefits, conditions and other |
| Williamsburg | | policy, and your health has now | | features of the insurance contract. |
| Fort Myers | | improved, it might be time to shop for | | |
| Santa Rosa | | a new policy, as your rates are likely | | Initial Premium: An amount paid at the |
| Omaha | | to be lower. | | inception of an insurance contract, |
| Greeley | | | | usually subject to adjustment at the |
| Zanesville | | Make sure you have a new policy in | | end of the policy period. |
| Alameda | | place before you cancel your old one | | |
| Nashville | | to avoid a lapse in coverage. This will | | Loss Frequency: The number of times |
| Waco | | also prevent having to figure out the | | a loss occurs over a specific period |
| Santa Monica | | amount of any unused premium that is | | of time. |
| Tallahassee | | due to you from your old insurance | | |
| Escondido | | company, or having to spar with your | | Deficit Carried Forward: The transfer |
| New Port Richey | | agent about exactly when your policy | | of a debit balance from one |
| Columbia | | was cancelled and how much they | | accounting period to another. |
| Topeka | | owe you. | | |
