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| St. Joseph | | The quickest and easiest way to | | Losses Incurred: The total losses, |
| Salt Lake City | | shop for new insurance is by | | whether paid or not, sustained by an |
| Acworth | | comparing rates at InsWebs online | | insurer during a given period, e.g., 12 |
| Bay City | | marketplace. If you do it the | | months. |
| Kansas City | | old-fashioned way (by calling or | | |
| Hickory | | visiting multiple agents or insurance | | Mutualization: The process of |
| Raleigh | | companies) it could take up a huge | | converting a stock insurer to a mutual |
| Torrance | | chunk of your time, which no one | | insurer, accomplished by having the |
| Albuquerque | | wants or needs. By completing | | insurer buy stock and retire it. |
| Stamford | | InsWebs online application, you will | | |
| Naperville | | have rates to compare to your old | | Independent Contractor: One who |
| Wilmington | | ones within minutes! | | agrees to perform according to a |
| Bakersfield | | | | contract and who is not an employee. |
| Salt Lake City | | Why not take advantage of current | | |
| Muncie | | low prices? Many auto insurance | | Retail Credit Company: The former |
| Chula Vista | | consumers are becoming educated | | name of Equifax, a credit reporting |
| Warren | | on other companies, plans, and rates | | organization. See Equifax. |
| Williamsport | | that are available to them; ones that | | |
| Riverside | | could afford them significant savings | | American Risk and Insurance |
| Miami | | on their auto insurance. | | Association: An association of |
| Newark | | | | insurance educators and others |
| New Port Richey | | We offer quotes for auto insurance, | | interested in insurance study and |
| Grand Junction | | life insurance, homeowners | | research. |
| Oxnard | | insurance, health insurance, term life | | |
| Scottsdale | | insurance and more. | | Indemnify: To restore the victim of a |
| York | | | | loss to the same position as before |
| Fremont | | People who are trying to quit | | the loss occurred. |
| Wichita Falls | | smoking, for example, might be best | | |
| Staten Island | | suited purchasing a shorter term (and | | Approved: The condition which exists |
| Hot Springs | | then replacing it with a longer term | | when the person or object to be |
| Las Cruces | | policy when they qualify for | | insured meets the underwriting |
| Irvine | | non-tobacco prices). | | standards of the insurer. |
