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| Greensboro | | If you have noticed that your auto | | Producer: A term applied to an agent, |
| Jonesboro | | insurance rates are still increasing | | solicitor or other person who sells |
| Savannah | | with each renewal, or even have not | | insurance. |
| Lancaster | | gone down even though you have a | | |
| Boulder | | great driving record, this lower pricing | | Coding: A method of putting |
| Cookeville | | trend makes it more important then | | information into a numerical form for |
| Anchorage | | ever that you shop around for auto | | statistical use. Most information on |
| Anaheim | | insurance. | | policies is coded and then put into |
| Bayside | | | | reports. |
| Waco | | Everyone has different needs, and | | |
| Ocala | | not one size fits all when it comes to | | Depreciation: A decrease in the value |
| Detroit | | term life insurance. While it may make | | of any type of tangible property over |
| Mountain View | | sense for people in their 30s and 40s | | a period of time resulting from use, |
| New Port Richey | | to secure a 20-year term length, a | | wear and tear, or obsolescence. |
| Scranton | | 10-year term might be more | | |
| Scottsdale | | appropriate for someone nearing | | Mutualization: The process of |
| Hot Springs | | retirement. | | converting a stock insurer to a mutual |
| Pittsburgh | | | | insurer, accomplished by having the |
| San Antonio | | People who are trying to quit | | insurer buy stock and retire it. |
| Poughkeepsie | | smoking, for example, might be best | | |
| Fairfax | | suited purchasing a shorter term (and | | Endorsement: A written or printed form |
| Fairfax | | then replacing it with a longer term | | attached to the policy which alters |
| Long Beach | | policy when they qualify for | | provisions of the contract. |
| Metairie | | non-tobacco prices). | | |
| Shreveport | | | | Overlapping Insurance: Coverage |
| Acworth | | At InsWeb, you can compare free | | from two or more policies or insurers |
| Dubuque | | online insurance quotes from many of | | which duplicates coverage of certain |
| High Point | | the nations leading insurance | | risks. |
| Alpharetta | | companies. | | |
| Norwalk | | | | Other Insurance: The existence of |
| Rockford | | If you decide to cancel your policy | | other contracts covering the same |
| Arlington | | (after acquiring new coverage) | | interest and perils. |
| Bronx | | outside of the 30-day period, you may | | |
| Worcester | | have to pay a fee or penalty. | | Loss Adjustment Expense: The cost |
| Springfield | | However, you may still save money | | of adjusting losses, excluding the |
| Jacksonville | | after paying the fee if your new policy | | amount of the loss itself. |
| Johnstown | | affords you significant savings. So | | |
| Malden | | while it is best to wait until your | | |
| Baton Rouge | | receive your renewal notice, you CAN | | |
| Santa Clara | | cancel your policy at any time. | | |
