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| Pittsburgh | | At InsWeb, you can compare free | | Paid-In Surplus: Surplus paid in by |
| Frederick | | online insurance quotes from many of | | stockholders, as contrasted with |
| Garland | | the nations leading insurance | | surplus earned through the |
| Livonia | | companies. | | operations of a business. |
| Baltimore | | | | |
| Youngstown | | People who are trying to quit | | Producer: A term applied to an agent, |
| Gaithersburg | | smoking, for example, might be best | | solicitor or other person who sells |
| Lakewood | | suited purchasing a shorter term (and | | insurance. |
| Anderson | | then replacing it with a longer term | | |
| Littleton | | policy when they qualify for | | First Party Insurance: Insurance which |
| Denton | | non-tobacco prices). | | applies to coverage for the insured's |
| Bayside | | | | own property or person. Contrast with |
| Cedar Rapids | | The best time to switch policies is | | Third Party Insurance. |
| Gainesville | | within one month of receiving your | | |
| Fort Smith | | policy renewal from your current | | Agency Company: An insurance |
| Lancaster | | insurer. You can typically cancel your | | company that produces business |
| Orange | | policy without any fees or penalties if | | through an agency network. Contrast |
| Zanesville | | you act within this time period. | | with Direct Writer. |
